IBM金融服务咨询

TheIBMFinancialServicesSector

ConsultingApproach

IBM金融服务咨询March2001APBISFSSOrganizationFINANCIALMKTSVBalasubramanian

SegmentExecutiveLamWeiChoongBISExecutiveBANKINGElieAgzarianSegmentExecutiveINSURANCEPaulMillerSegmentExecutiveARCHITECTUREShermanLauPrincipalCoreBankingDeliniJayatilakaPrincipalR/M&AElieAgzarianPrincipalCRMDorothyBeagleyPrincipalRM/TradingPhilipStraleyPrincipalSTP/Ops/E-MktsAndrewBremnerSTP/EmktsLeaderBI/DWKennethChouPrincipalWimalaWidjayaManagerPaulJohnstonMgingConsultantRGovidarajooExecConsultantR/M&AJudyKonPrincipalR/M&APaulTanPrincipalDavidChanJuliaChecchiaDeniseHohYeoSiokYongOngWeeLingSureshKetharamNgShuHannRosianiGunawanKatrinaKonNgTockSoonArryLatiefVarunSabhlokDaudSetiwanPremwatKusollerkdeeLohKahLeeCarolTeoYohikaMinowaRyojiTakeuchiAtsushiFukudaTaoSunIanGohMaliniTharumalingamPaulWRobinsonColinStewartGaryGohDavidWangSamuelChanJohnChiahRajeshVenkartarmanLauWengFattJonYeoDanielNgMadelineYapStellaLumBenjieCastroClaudiaLohJohnMcBainR/M&AIchioSuzukiJapanLeaderNgTockSoonChangKamLanDavidBrisbaneSubjectMatterExperts行业专家Deepindustryspecializationanddomainknowledge深入的行业专向及领域知识Ex-bankersturnedconsultants具备多年银行从业经验的专家ProvengoodsynergywhencombinedwithIBMITarchitects团队协助精神结合IBM的IT专家DEPOSITS/LOAN/CIF存款/贷款/客户信息系统Custody/Securities托管/证券TradeFinance贸易项金融ElectronicBankingSystem电子银行系统LEGACYSYSTEMS传统系统FundsTransfer转帐CorporateBanking–WhereItUsedToBe对公银行-过去Telephone电话Fax传真Overthecounter柜台CUSTOMERACCESSCHANNELS客户渠道MiddlewareDeposits/Loans/CIFFundsTransferCustody/SecuritiesTradeFinanceEXTERNALNETWORKSBACK-ENDLEGACYSYSTEMSApplicationServerInternetServerBrowser-basedInquire&initiatetransactionsInternetCallCentreCorporateNetworkDATAACCESSLAYER数据层SERVICESLAYER服务层CUSTOMERACCESSCHANNELS客户渠道TerminalWAPGateway/ServerMobilePhonePhoneBankingIVRPSTNCorporateBanking–WhereItIsHeading对公银行-将来多渠道电子银行IT架构图主机/核心业务系统客户服务中心柜员网上银行移动银行自助式信息亭手机银行InternetGatewayUP/WAPGatewayInternetGatewayPBXCTIIVRDatebaseServerTransactionGatewayMQseriesServerWebsphereApplicationservere-Business

BankingAapplication(WSBCC)CIF/客户信息系统Datewarehouse决策支持系统数据挖掘/决策支持VisalwarehouseDB2OLAPServerWebsphereIntelligentMiner支行系统DB2办公自动化其它业务DB2BITheIBMConsultingApproachIBM咨询方法CORPORATEBANK对公银行C/ALoansFundsTransferTradeGL/MISDISCOVERYPACKAGESELECTIONIMPLEMENTOPERATECurrentStateAnalysis现状分析ProcessRedesign流程再设计FutureStateProjections未来规划StrategicGapAnalysis战略差距分析

RequestforInformation请求信息RequestforProposal请求建议ConferenceRoomPilot模拟实施TestofAssumptions设想测试

ProjectOfficeManagement项目管理SystemsIntegration系统集成EnterpriseApplicationIntegration企业应用集成

ManagedIToperations管理ITHelpdeskSupportHelpdesk支持ConsultingdownstreamBISStrategicOutsourcingIBM’sEnd-to-EndMethodology

IBM端到端方法论TheExampleusedinthefollowingslidesisofaBanksettingupanewline-of-business–PaymentsandCashManagementItillustratesourend-to-endmethodology-fromvisiontobusinessandITsolutionandfinallyimplementation.Thesamemethodologycanbeappliedtoadifferentlineofbusinesse.g.Loans,TradeFinanceortheentireCorporateBankfamilyofproducts.Wecantakeaconsultingrecommendationfrom30,000feetandimplementitatgroundlevelExample-BankA‘sVision

例：A银行的期望BackinSep2000BankA’sseniormanagementteamcommunicatedthefollowingreasonsforchangingitscorepaymentssystem:-Todefenditsdominantpositionincrossborderandvostroclearingbusiness.Tolaytheinfrastructureforbuildingandgrowingitsannuityincomelinesofbusiness:>Domesticlocalhigh-valueclearing>CashManagement>e-Commerce

UpdateMeetingConvertVisionintoSpecificObjectives将期望转变为实际目标Specificsgoals具体目标-Startupnewline-of-business-Increasefeebasedannuityincometohelp decliningmarginsinloans.Approach方法-CentralizedversusDe-centralized?Constraints制约条件-Branchinfrastructure.-Communicationsnetwork,bandwidth

-Solution(Business&IT)解决方案-Selectafundstransferbusinessapplication-Overallfitintobank’sITenvironment

TheproposedFundsTransfersystemwillbringaboutsignificantbenefitstoBankA:建议的转帐系统将给A银行带来巨大的利益BenefitsOfFTSystemGreaterAutomation加大自动控制ReducedOperationalRisk降低运作风险SophisticatedcustomerCIFforFundsTransferRule-basedrouting/processingInterfacestootherexistingsystemsinthebankInterfacewithCashManagementHigherSTPComprehensiveAuditTrailMultipleauthorization/paymentdiscretionDuplicatecheckingDisasterRecoveryTheproposedFundsTransfersystemwillbringaboutsignificantbenefitstoBankA:建议的转帐系统将给A银行带来巨大的利益BenefitsOfFTSystemCredit&LiquidityControl贷款及偿债力控制Product&ClientServiceDifferentiation区分产品与客户服务QueuingandprioritizationIntra-daycreditlineBilaterallimit/netdebitcapSophisticatedCIFforFundsTransferclientsBetterinfrastructurefornewcashmanagementande-commercebusinessCentralization集中模式InputfrombranchesviaFaxandWebTheFundsTransfersystemwillbeabletoautomateanumberofexistingmanualprocesses:利用转帐系统自动化手工流程BenefitsOfFTSystemAutomate自动化

Messagesortingandrouting(paper-based)ManualadvisingofincomingpaymentstoclientsviaphoneFXContract:ManualoperationinanothersystemToptiercustomerstreatedasexceptionitems(specialFXrate/fee)

FundsControl:ManualcheckingManualcreditfornon-residentFCDaccountsManualProcess手工流程

Auto-routingbasedoninformation(electronic)Auto-fax/e-mailadvice“One-stopprocessing”:linktoFXContractsystemTieredpricingappliedautomatically“Auto-release”ofpaymentsbasedonrulesandpriorityassignmentsAuto-creditfornon-residentFCDaccountsCurrentState现状FutureState将来SelectionProcess选定流程

FundsTransferSystemProjectTwoRequestForInfo.DevelopRTTScriptsStudy&DesignProcessesRoundTableTestRequestforProposalSiteVisitFinalRecommen-dation25Sep20002Mar2001WorkflowProcess工作流RecapStudyProcessesInterviewedusersfromvariousdepartmentsStudiedandanalysedthecurrentstateoperationsofpayments.Designedthefuturestateoperations,withthenewFTapplicationinmind,bybenchmarkingcurrentworkflowtoleadingmarketpractices.Identifiedgapsinherentinthecurrentstateoperationsinordertofacilitatethechangemanagementprocess.ConfirmedwithBankAontheirreadinesstoacceptnewworkflowandwillingnessandabilityofITtoincorporatethenewfundstransfer

applicationintotheexistingITinfrastructure.DesignofFutureStateProcessesSelectionProcess选定流程

Fromtheoriginallistoffourteenvendors,fourwereeliminatedvia RFI(请求信息)processThefourparticipatedinastructuredscriptdriven,ConferenceRoom Pilotselectionexercise.VendorA&VendorBmetourrequirementsandreceivedRFPs(请求建议).FundsTransferSystemDevelopRTTScriptsRTTScriptWithanunderstandingoftheworkflow,designedaRoundTableTestScript.TheRTTScriptwascloselymodelledafterBankA’sfuturestateoperationstoensurethatthesystemwillmeetBankA’srequirements.Variousscenarioswereset-upanddistributedtothevendorsfordemonstration.RecapRoundTableTest(RTT)“会议室”测试4VendorsparticipatedRequestForProposalTableofContentsPageBackground 6 VendorProfile12Business&FunctionalRequirements14TechnicalSolution33Implementation&Trg46Support&Maintenance

49Pricing51AppA–TransactionVol57AppB-StandingData58AppC-TechnicalSystemInfo61AppD–NetworkDiagram62RFPContentsRFPwasissuedtoVendorAandVendorBfor

responsetothefollowingsections:为取得以下建议，RFP被派发到供应商A和BRequirementsfinalizedandValidatedbasedoninputsfromGlobalPaymentServices,Treasury,Audit&ITDepartmentsBenefitstotheBank

为银行带来的利益Helpcustomertransformtheirvision,ofbecomingthenumberonepaymentsandcashmanagementbank,intorealityinquicktime.迅速帮助客户转变构想成为支付和现金管理第一的银行Translatedintospecificobjectives:--lowcost,highvolumeproducerofpayments转变成具体目标：低成本、高效快速的大批量支付

-multiplechannelaccessforcustomerandbranches为用户及分行提高多渠道

SecuredFaxBrowserBasedTransactionInitiationPhone-alloweasyaccessofrealtimeinformation方便、实时获取信息

RFPEvaluation

多渠道电子银行IT架构图主机/核心业务系统客户服务中心柜员网上银行移动