- 1. Banking Industry Framework Industry solutions for a Smarter Bank
Henrik Koch, Industry Solutions Executive, IBM Software Group
- 2. AgendaIntroducing IBM Industry Framework for Banking
The market demand for Banking Industry Frameworks
Definitions and key benefits
Industry Framework and Industry Solutions for Banking
Corebanking Modernisation
Payments and Securities
Customer care & Insight
Integrated Risk
Financial Markets Framework
Closing remarks
Where to get new collateral and information
Who to contact
Questions
- 3. AgendaIntroducing IBM Industry Framework for Banking
The market demand for Banking Industry Frameworks
Definitions and key benefits
Industry Framework and Industry Solutions for Banking
Corebanking Modernisation
Payments and Securities
Customer care & Insight
Integrated Risk
Financial Markets Framework
Closing remarks
Where to get new collateral and information
Who to contact
Questions
- 4. Clients value IBM's ability to deliver integrated solutions Client buying behaviors are shifting:
Customers are looking for their business commitments to be met at market speed, or better
Managing project costs into bite-sized bits is now a requirement
Customers want to utilize the technology that best supports their strategy, independent of vendorOur Strategy:
Combine industry assets and best practices into offerings focused on core and connected business problems
Design for re-use
Incubate an ecosystem of industry ISVs, pre-integrate
Be prescriptive about a platform, emphasize best practices, better utilize our industry expertiseInnovation for a Smarter Planet
- 5. Level of adoptionRepresentative IndustriesElectronics
Chemicals & Petroleum
High-Tech Manufacturing
AutomotiveBanking
Healthcare
Government
Financial Markets
Insurance
Media & Entertainment Representative IndustriesTodayFutureCustom (Legacy) EnvironmentIntegrated Solutions ISV-dominated EnvironmentClient buying behaviors are shifting towards an integrated solution which combines existing assets and new of the shelf-servicesThe market has requested: More standardised
solutions, easy to integrate and more service oriented
- 6. With a framework approach, organisations can progressively transform to a more simplified, strategic infrastructureAchieve a simplified and agile strategic infrastructure3Pick a framework project and start rationalizing to deliver a quick ROI1Build on the value of previous projects and reuse assets2 Increasing reuse and business agility along the way!
- 7. IBM Industry Frameworks - deliver the full power of IBM software to industry solutions
- 8. Industry Solutions CommerceB2B &
CommerceEnterprise
Content
ManagementEnterprise
Marketing
ManagementIndustry
Order management
Optimization & logistics CommerceMarketing Process & Demand Generation Solutions
Industry Frameworks
& Industry Assets
Essential Content
Advanced Case Mgmt
Content Analytics
Information Lifecycle Including:
Energy and Utilities
Retail
Government/Defense
Manufacturing
Health Integration
Media Physical Meets Digital
Customer Care & Insight
Workforce Optimization
Financial Transaction Management
Financial Operations
IBM Payments Director
IBM Electronic Payments Platform
Industry Solutions Structure
- 9. IBM Banking Industry Framework InformationInsightFinancial RiskFinancial CrimesGovernance & ComplianceOperational & IT riskInteractionPayments Transaction PlatformConsumer PaymentsCommercial PaymentsCompliance & RiskArchitecture TransformationApplication ModernizationProcess Agility A Foundation for a Smarter Bank: Actionable Innovation
- 10. Speed solution deployment with foundational and domain-specific software extensions and acceleratorsIBM Banking Industry FrameworkIBM industry solutionsIntegrated Risk ManagementInformation FrameWork (IFW) & Banking Data Warehouse (BDW) Process and Data ModelsIBM FoundationalCore Banking TransformationCOGNOS Banking Performance BlueprintsCOGNOS Banking Risk Performance – Credit RiskEntity Analytics and Global Name RecognitionFinance and Integrated Risk Management (FIRM) COGNOS Risk Adjusted Profitability BlueprintIntegrated Risk ManagementSOA Banking ScenariosPayments & SecuritiesWTX Industry PacksEPP AssetspureXMLTM Payments BundlesWebSphere BI for FNCorporate Payments ScenarioSolution TemplatesBanking VocabularyDesign RulesBanking Message ModelCustomer Care & InsightCOGNOS Banking Performance BlueprintsCustomer Identification SolutionCommon Business Language Services AcceleratorBanking Data Integration AcceleratorsWebSphere Multichannel Bank Transformation ToolkitAccount Opening ScenarioCommon Shared ServicesBanking Extensions for MDM ServerServices Component Building BlocksReference Payments Services InterfacesTimer ServicesState EnginePayments Objects User InterfaceFlow CoordinatorDevelopment Tools / MethodologyWebSphere Modeler with IFWRational Software Architect with IFWWebSphere Banking Content PackIBM Service Management for IRM
- 11. Theme 4: Acquisitions expand business valueBanking Industry Framework – Themes behind V2IT Systems
and OperationsMerchandising and Product ManagementStore and ChannelsTheme 2: Shaped by industry software strategies and capabilitiesTheme 1: A more unified framework Core Banking
TransformationCustomer
Care and
InsightPayments &
Transaction
ServicesIntegrated
Risk
ManagementChief Marketing Officer (CMO)Theme 5: Tuned for LOB BuyerTheme 3: Incorporating key SW growth trends
BAO
- 12. Banking Industry Framework Benefits
A Foundation for a Smarter Bank: Actionable InnovationMitigate Risk (De-Risk)
Accelerate & Expedite a Successful Implementation using accellerators and competency centers
Reduce cost
Future Proofing
Backed up by IBM’s long term commitment to industry standards and R&D
- 13. AgendaIntroducing IBM Industry Framework for Banking
The market demand for Banking Industry Frameworks
Definitions and key benefits
Industry Framework and Industry Solutions for Banking
Corebanking Modernisation
Payments and Securities
Customer care & Insight
Integrated Risk
Financial Markets Framework
Closing remarks
Where to get new collateral and information
Who to contact
Questions
- 14. Model Driven Development
Business process transformation
Business rules and logic management
Solution Template Driven Transformation
Performance Monitoring
Legacy application modernization and renovation
Develop next generation applications
Replace legacy application with package solutions
Data migration from legacy systems Banking reference architecture
Master data Management
Process Integration
Information Integration
Infrastructure Management, Security & ScalabilitySimplification
Componentization
Integration
Optimization
Collaboration
Security
ResiliencyProcess AgilityApplication ModernizationArchitecture TransformationCore Banking TransformationBanking Industry Framework - Core Banking Transformation Projects
- 15. Start transforming core banking capabilities with a framework ProjectImprove profitability by expanding into new markets faster, bringing innovative products to market quickly, and differentiating pricing and terms for maximum customer satisfaction with flexible and efficient processes for account opening and management, product bundling, and dynamic relationship pricing Architecture TransformationProcess AgilityTransition from existing core banking applications in a staged and modular way with near term payback and reduced risk and disruption; integrate best-of-breed application components, buy new packaged applications and integrate with enterprise systems, or build new SOA components for a customized, lower cost, and less risky approachApplication ModernizationCore Banking Transformation Project AreasTransform your core banking platform, reduce operational cost and risk, and improve core banking process efficiency with projects addressing fundamental capabilities including a simplified IT infrastructure, platform scalability, enterprise-wide master data management for customer contract, and product data, and model driven development to build business service componentsBusiness PartnersContent Validated on Framework
- 16. What are the key drivers for banks to modernize their core banking systems? Technology DriversProduct InnovationRevenue GrowthEfficiency ImprovementRegulationsWorkforce OptimizationArchitectural SimplicityDrivers for Core Systems ModernizationM&AModularitySMEs RetiringMonitoringGlobalizationOperating CostTime To MarketCustomer CentricityBusiness DriversRegulatory DriversEnterprise LeverageAsset RationalizationShared ServicesSOAComplianceAuditingReportingFading SkillsBanks are looking at core systems modernization in response to specific business, technology and regulatory drivers
- 17. Solution Component Use: ‘Arrangement’ Service Model for Client Relationship and Offer Optimisation BIS System Role 2IBM ILog Bus Rules Engine Extract & Analyse 431Group Business DevBusiness AdvisorsShared Service Center
IBM Industry Process & Service Models
3BIS System & Product Factory Role InfoSphere MDM Server for PIMInfoSphere MDM ServerInfoSphere MDM ServerCRM Systems Use/ConsolidateProduct Factory Role InternetMobile BankingMDM Server
for PIM
- 18. IBM Master Data Management Product PortfolioCollaborative Authoring Create Maintain Update Govern Deliver MDM DomainsBusiness ServicesPre-builtCustomizableData StewardshipPartyAccountProductCustomIntegrationContentDataAnalyticsInfoSphere MDM ServerMDM Custom-Built DomainsBusiness Process workflowNPIMulti-CommerceCollaborative Authoring ProductLocationSupplierOthersCatalog Mgt InfoSphere MDM Server for PIM
- 19. 19Nordic Bank Financial ServicesGrowth through mergers and acquisitions had created a bank with multiple lines of business and countries that were operating with different processes and systems.
Needed to streamline business ChallengeSolutionBenefitsA cross-enterprise transformation program that would ultimately streamline all business processes and integrate system
An IT platform totally adaptive to changing business needs, embracing SOA strategy and master data management
A cross-line of business customer view to continue to grow business and improve customer satisfaction
A MDM solution to enable cross-selling and up-selling, M&A integration, compliance (Basel II, MiFID) and operational efficiency
APPROVED FOR EXTERNAL USE IBM® InfoSphere MDM Server
IBM InfoSphere QualityStage
IBM Rational Application Developer
IBM InfoSphere MDM Server for PIM
IBM WebSphere Application Server
SWG Lab Services for implementation
- 20. Customer
Care and
InsightCore Banking
TransformationPayments and
Transaction ServicesIntegrated
Risk ManagementInteractionInsightInformationBanking Industry Framework – Customer Care and Insight ProjectsMulti-Channel Transformation
Interactive Marketing
Sales and Advisory Transformation
Onboarding a nd Origination Optimization
Customer Care and ServicingCustomer Analytics
Business Performance AnalyticsSingle View of Customer
Customer Data WarehouseIntegration
Optimization
Analytics
Collaboration
Security
Resiliency
- 21. Get started with a Customer Care and Insight projectInformationInsightInteractionOptimize marketing, sales and customer service processes; include single view of customer and deeper insight at the point of interaction across all channels
Transform multiple channels for improved customer experience, consistency across different channels, more engaging customer dialogs, and ultimately better business resultsUnderstand customer data across all systems and build common customer data definitions
Integrate operational customer data to achieve a enterprise single customer view
Consolidate operational and historical customer data into a common data warehouseExtract valuable customer insight such as segmentation, value, needs, behavior, etc. from the integrated customer data to help business retain and grow its customer base
Provide the business a real-time view of performance by channel, product, customer segments, geographies, campaign, etc. CC&I capabilities are the foundation for all front-office projectsCustomer Care and Insight Project AreasContent Validated on FrameworkBusiness Partners
- 22. REAL-TIME MARKETING software:Presents personalized messages in real-time during inbound interactions
Personalization based on:
Existing customer data and new information gained during the interaction
Or, behavioral targeting of anonymous visitors
Designed for easy deployment and management (“so easy a marketer can do it”)
Meets the most rigorous performance requirements. Up to:
1,000s of transactions per second
Half-second average response timeInteractive Marketing bringing science to the art of marketing Interactive
Marketing
- 23. Delivering personalized offers across channels in real timeturns inbound interactions into profitable communicationsBusiness Need
Outbound campaigns were ineffective – not taking advantage of customer initiated interactions
Needed to create a single, cross-channel, relationship with each customer
Disparate teams managed customer dialogs
Needed to reduce marketing costsReal Results
Relevant, real-time campaigns drive higher response rates
85M targeted offers served each day across 5 channels – direct mail, email, web, call center, and branches
€20M increase in earnings expected
Lowered direct marketing cost 35%
Faster campaign cycle times: from 26 weeks per campaign to just 4 weeksInteractive
Marketing
- 24. Mobile Web ...mobile Web applications or content for virtually any mobile device browserNeed8,400 DevicesSolutionsMobile Portal AcceleratorPortal Mobile Webkit Themes
Available today for iPhone
Coming soon for Android, Blackberry, iPad
...extend a Web experience to mobile devices for specific mobile browsers ..rapidly develop & deploy web & hybrid mobile applications that have a native smart phone, look and feel
..write once, run on many devices – tablets, kiosks, web, PDA and moreWeb Experience Factory
- Portal Mobile Webkit Themes
- WAS 8.0
Dojo
- Hybrid
- 25. Supporting smartphone and multi-channel application capabilities SmartphonesWebSphere PortalWebSphere
Application Server
TabletsDesktop
BrowsersUse one common set of tools,
techniques, application
code (models)......and generate applications for multiple client
devicesWebSphere Experience Factory...deploy to multipleplatforms...Legacy
(WS / REST) Sharepoint
(CMIS / REST) CRM & SQL
- 26. IBM has a broad portfolio of Mobile Enablement offerings
- 27. Banking Industry Framework - Integrated Risk Management ProjectsCompliance Information Lifecycle Management
Corporate Governance and Internal Control
Sales and Market Conduct Compliance
Regulatory Compliance
Prudential Compliance
Collaboration for Legal and Compliance
Operational Risk Platform
Comprehensive Security Control, Enforcement, Management
Trusted Identity Management
Configuration/Incident/Problem/Change/Release Management
Continuous, comprehensive fault monitoring
Data Protection
Application Integrity and SecurityCustomer Screening and watch-list filtering
Transaction monitoring for Suspicious Activity
Case Management, Transaction blocking & Suspicious Activity Reporting
Get Your Risk Data in Order
Risk Insight and Control
Real Time Risk Insight and Control
Risk Optimization
Risk Modeling and Scenario AnalysisPayments and
Transaction ServicesGovernance and
ComplianceOperational and IT riskFinancial
RiskFinancial
CrimesCore Banking
TransformationCustomer
Care and
InsightIntegrated
Risk ManagementIntegration
Optimization
Analytics
Collaboration
Security
Resiliency
- 28. Start small and grow with an Integrated Risk Management projectFinancial CrimesOperational & IT RiskGovernance & ComplianceIntegrate disparate fraud platforms to move towards real-time and proactive monitoring and improve investigations
Leverage tools to identify fraudulent activity before it happens
Automate fraud prevention to reduce costsEnable monitoring of internal processes, people and systems for improve operational risk management
Implement early warning systems, IT and crises management processes and business recovery planningImprove your ability to respond to regulatory scrutiny
Accurately report risk exposure
Standardize and automate compliance processes
Get the flexibility to respond dynamically to changing regulatory requirementsFinancial RiskConnect market, credit counter-party and liquidity risk to business and finance information systems
Enable risk reporting across and at different levels of the enterprise to enable better risk decision-makingIntegrated Risk Management Project AreasContent Validated on FrameworkBusiness PartnersOpen Pages, Algorithmics, SPSS, Cognos, IFW, DB2
- 29. Flexible model leverages the strengths of leading technologies by adopting best of breed systems and processesConsolidates alerts across channels
Conducts cross-LOB analytics
Automates, standardizes, and documents analysis and investigationConsolidated and integrated operational organization (where feasible) addresses customer-based alerts and enhances efficiencyGenerates improved business intelligence for executives, benefiting tactical functions and enables strategic thinkingImplements top down policy based on organization risk tolerance
Consolidates accountability and direction of resources
Prioritizes and manages initiatives
Collaborates with other stakeholders to drive a safer businessIntegrated Financial Crimes Center of Excellence
Putting IBM’s Proposed Architecture into the Context of Our Recommended Target Operating Model Financial
Crimes
- 30. Solution OverviewFinancial
Crimes
Sanctions Screening and Transactions Filtering: A regulatory requirement to stop activity in real time financial transactions (wire activity) or to block opening an account, the sanctions list details the blocked entities and is updated daily.
Know Your Customer: A regulatory requirement for better customer identification and knowledge at the account opening phase. Helps preventing possible threats of AML / Fraud.
Enhanced Due Diligence for High-Risk Customers: For customers deemed to pose a high-risk, the financial institute “should consider” obtaining, both at account opening and throughout the relationship.
Suspicious Behavior Monitoring (AML): A regulatory requirement to detect suspicious AML transaction patterns and report it to the central bank.
Case Management: Investigation tools and case management to support multiple levels of review, investigation, approvals, filing, reporting of above cases.
FACTA: A US regulatory requirement
- 31. 31Major North American Bank Financial ServicesCreate robust, streamlined and scaleable infrastructure that provides an enterprise client view, impacts the quality of the enterprise data and enables the assessment of operational and credit risk
Reduce IT costs
Build a consolidated reporting infrastructure supported by a 360-degree view of customer ChallengeBenefitsBASEL II and management reporting requirements satisfied within tight management timelines, while improving data quality using an enterprise data infrastructure
Used IBM Information FrameWork (IFW), Banking Data Warehouse (BDW) and InfoSphere™ MDM Server as focal points for information consolidation and governance of data across thirty systems.
The data models enabled development standard- ization and identified project reuse opportunities.
Used InfoSphere DataStage to form a common
ETL hub for MDM Server and BDW to create a
single view of customers across the enterprise
and accurate data for satisfying Basel II, and
management reporting requirements.
Solution
- 32.
Channel Integration
Banking data Warehouse
Financial Network Gateways
Managed File Transfers
Bulk de-bulk, Transformation and Entry / RepairConsumer PaymentsCheck Processing
Payments online
Mobile Payments
Low Value high volume (i.e., cards)Customer
Care and
InsightCore Banking
TransformationIntegrated
Risk ManagementPayments &
Transaction
Services
Banking Framework for Payments and Transaction Services Projects Commercial PaymentsHigh Value low volume
Cross border
Corporate services / Payment factory / Cash ManagementPayments transaction PlatformCARD / Durbin / Regulation E (US based), Basel III, PSD, SEPA
Payment Transparency, Liquidity,, AML, CTF, Embargo Check,
Adaptive Risk / Regulation capableCompliance and Risk
- 33. Process, manage, measure and monitor high volume low value payments from individual consumers including check / check images, online payments, mobile or smart phone payments; digital signatures for online applications, and payments from credit / debit cards, ATMs, etc.Payments Transaction PlatformRestructure payments operations to comply with regulations and schemes: e.g. SEPA Direct Debit, SEPA Credit Transfer, card regulations, payments reporting and transparency, liquidity, AML, CTF, and embargo check. Adapts to address new risks and regulationsConsumer PaymentsIntegrated, horizontal, and reusable payments and treasury capabilities relevant across all payment products within a bank. Core payment processing functions and integrated toolset. Transaction warehouse and analytics for all LOBsCommercial Paymentsproject areasProcess payments, serve corporate customers and manage internal treasury services; manage payments bank to bank, bank to clearing house or central bank, or country to countryCompliance and RiskBusiness PartnersContent Validated on FrameworkPayments and transaction services projects – address business needs across the enterprise
- 34. Financial Transaction Manager in Payments Transaction PlatformIBM FTM in payments transaction platform projects:
Provides the common integration capabilities to be reused for managing financial transactions
Built on the industry standard of ISO 20022 that aids the integration with new and existing back-office processing
Creates a commonly defined runtime environment which standardized integration to regulatory, checking, AML, reporting, and other needs
Operational database holds status and integrates with enterprise data management solutions for archival
Sample processes on which to build include SWIFTNet Funds, corporate payments and others – allowing a standard definition for orchestration"We've chosen ... the adoption of SOA into the core of our business. It’s given us a clear advantage in the kinds of attributes ... to excel –speed, flexibility and efficiency.“
-- Wells Fargo
- 35. IBM3rd PartyLegendRisk &
RegulationPayment
Schemes &TypesGateway AdaptersOrigination SystemsFinancial Business
SolutionsInvoice PresentmentOFACAnti-Money Laundering ACH: NACHAChecksCredit & Debit CardsContactlessFinancial Transaction ManagerGateway ServicesNetwork AdaptersSystem AdaptersFinancial Transactions IntegrationMessage mapping & ValidationChannel
ManagementMonitoring & LoggingTransaction WarehouseReporting & DashboardsLifecycle ManagementCore ServicesObject Model InterfaceData ModelFlow CoordinatorPrinting & ValidationCustomer Profile Management, Security, AuditingState EngineConfigurationE-CommerceInternal Banking SystemsCorporate Payment SystemsExternal Payment NetworksConsumer ChannelsNOSTROTrade FinanceGlobal DisbursementTransaction AnalyticsException & InvestigationsCash ManagementTARGET2CHIPSSWIFT...Mobile SolutionsLiquidity ManagementSEPA Credit TransferSEPA Direct Debit...Financial Transaction Manager -- directionIBM Confidential
- 36. Smarter Business Outcomes
Ability to accommodate payments network / gateway changes without costly changes to back-end applications
Enhanced monitoring of payments processes
Transparent payments rules that business users can comprehend; rules can be changed in hours or days vs. weeks or monthsClient Challenges
The bank needed a payments message hub that could send and receive SEPA Credit Transfers from the European Bankers Association
Solution
Implemented a payments mediation, monitoring and management infrastructure across the DnB NOR SEPA payments business
The solution has a base common product with industry specific SEPA processing engineProject Use Case – DnB NOR
- 37. 37How we can help: Sterling Integrator in bankingContent-based routingTranslationMailboxBulking / de-bulkingBusiness rules processingValidationWebsphere MQSAPConnect:DirectBack officeFile systemSWIFTNACHADomesticStandards librariesVisibilityEBA STEP2SWIFTNACHADomesticTARGET2TSU
- 38. June 8, 201838Content-based routingTranslationMailboxBulking / de-bulkingBusiness rules processingValidationWebsphere MQSAPConnect:DirectRTGSBack officeFile systemSWIFTNACHADomesticStandards librariesVisibilityEBA STEP2SWIFTNACHADomesticTARGET2TSUSterling Integrator – FeaturesCommunity Management
Registration and activation
Change management
Self service
SupportSecure Exchange
Perimeter security
Authentication & encryption
Mail boxingTranslation and Integration
Adapters
Mapping
Financial services standards
Translation servicesProcess Automation
Process modelling
File and message routing
Automated exception handling
Visibility Management
Monitoring and management
Notifications and alerts
Audit and reporting
- 39. Banking Framework for Payments and Securities – Nordic Reference examples Customer nameValue propositionSolution contentPlatformDansk BankSolution for SWIFT and Peyments GatewayWBI FN DB2, WAS, MQSeries
Websphere Message broker SW Services and PMZ/OSDnB NORSolution for SEPA Credit Transfer and
Corporate B2B Payments
Liquidity ManagerEPP using DB2, WAS, MQSeries
Websphere Message broker, SW Services and PMZ/OSDnB NORSWIFT Gateway Merva
Using WBI FN at EDB BPZ/OSEDB BPSWIFT GatewayWBI FNZ/OS
VPSSolution for Funds and new SWTFT formats for securities EPP using DB2, WAS, MQSeries
Websphere Message broker,
SW Services IntelVPSolution for Funds and new SWTFT formats for securities EPP using DB2, WAS, MQSeries
Websphere Message Broker,
SW Services Z/OSSwedbankSolution for Funds and new SWTFT formats for securities EPP using DB2, WAS, MQSeries
Websphere Message Broker,
SW Services UNIX
- 40. WebSphere BI for FN – Structure Business ApplicationSWIFTAlliance Gateway (SAG) DB2, WebSphere MQ, WebSphere Application ServerAccountingTimer ServiceWebSphere Message BrokerMessage Management Message Entry and Repair GUI, Printing, Routing, …Messaging Services for SWIFTNet InterAct and FileActWebSphere BI for FN V3.1.1 FINFinancial Message Transfer Centralized OperatingConfigurationSecurity / Access ControlEvent handlingMonitoringAuditingMessage WarehouseSAG AddOnMessage ValidationWebSphere BI for FN - BaseFinancial Transaction Manager Data model, message model, state machine, configuration and administrative interface, … Relationship Management ApplicationNew
- 41. IBM Financial Markets FrameworkBuy Side
Sell SideFinancial Risk ManagementBack
OfficeRiskMarket Data Solution *
Algorithmic Trading *
Portfolio Optimization and Trade AnalyticsTrade Process Transformation
Market
InfrastructureRiskNext Generation Trading Infrastructure *
Market Surveillance and Trade MonitoringPost Trade InfrastructureSettlement Risk ManagementBack
OfficeRiskBack
OfficeRiskFront
OfficeFront
Office* Project includes WebSphere Front Office
- 42. (本页无文本内容)
- 43. Execution Strategy and Order RoutingGatewayWebSphere MQ Low Latency MessagingMarket Data DistributionFeed HandlersPlatformeXtreme Scale Streams AnalyticsOrder GenerationFIX EngineProcessing
RulesMarket Data
AnalyticsIDS
Market
Book and Market HistoryReference
dataRouting
EngineExchanges, ATS, ECNAnalysis, Pricing and Order GenerationMonitor
DesktopData Feeds (NYSE)Simulated Venue for
Order executionGatewayData Feed (NASDAQ)Data Feed (IDC)Market Data DistributionFront Office v3.0
- 44. Low Latency and High Performance ComputingUltra-low Latency TransportIn-memory DatabaseWire speed Transformation Maximum securityMQ Low Latency MessagingWebSphere Front Office for Financial MarketsDataPower Appliances Infosphere StreamsSolid DBBusiness Activity MonitoringCognos Now!Stream ProcessingLow Latency Market Data PlatformIBM Offerings for Financial Markets
- 45. AgendaIntroducing IBM Industry Framework for Banking
The market demand for Banking Industry Frameworks
Definitions and key benefits
Industry Framework and Industry Solutions for Banking
Corebanking Modernisation
Payments and Securities
Customer care & Insight
Integrated Risk
Financial Markets Framework
Closing remarks
Where to get new collateral and information
Who to contact
Questions
- 46. Banking Industry Frameworks and Industry SolutionsIBM Industry Solutions:
http://www-01.ibm.com/software/data/content-management/industry-solutions/
Smarter Commerce: http://www.ibm.com/smarterplanet/dk/da/smarter_commerce/overview/index.html?re=spf
Banking Industry Frameworks:
http://www-935.ibm.com/services/us/gbs/industries/banking/
- 47. Questions?
- 48. 48Henrik KochIBM Software Group, Nordic
2800 Lyngby
Mobile: + 45 28803658
hkoch@dk.ibm.com
- 49. (本页无文本内容)
- 50. Primary target buyers and usage scenarios for CC&IHead of Retail BankingChief Marketing OfficerHead of Commercial BankingHead of Retail Banking (or Chief Retail Banking Officer, EVP of Consumer Banking, Head of Retail and Small Business Banking)
Lead and direct retail banking including consumer current accounts (checking), cards (credit and debit), savings, consumer lending – installment (i.e., auto loans, student loans, etc.), home loans (mortgages) and home equity loans as well as various investment products such as annuities, mutual funds, insurance etc.
Activities are coordinated over all channels including branches, call centers, ATMs, web and mobile.
Head of Commercial Banking (or Chief of Commercial Banking, EVP of Wholesale Banking, Lending and Treasury Mgmt)
Responsible for managing relationships and servicing large corporate clients, mid-sized companies, real estate developers and investors, international trade finance businesses, institutional customers (such as pension funds and government entities/agencies), and services offered to other banks or other financial institutions.
Services include lending, treasury management, correspondent services, dealer commercial services, foreign exchange, government banking, mutual funds, asset-based lending, financing and leasing, commercial real estate, corporate and institutional trust services, and investment banking.
Head of Private Banking, Head of Wealth Management
Oversee all aspects of banking activities targeted at high net-worth customer segments to provide investment management, retail banking, estate planning, legal and trust resources and tax advise all to build deposits, fee income, and overall asset growth through cross sales of bank products and services, retention, relationship management and community involvement.
Work closely with all other business line leaders to facilitate the development of new relationships as well as provide bank wide financial solutions to higher net worth clients by acting as a portal across the bank bringing together the right resources, providing convenience to clients, and providing bank wide solutions to clients.
Head of Geographical Subsidiary (or EVP of Banking in a geography, President for a Region, VP of a Branch or Branches)
Responsible for all facets of performance of regional and branch offices for a designated geographic area. Develops policies, objectives, initiatives for region and is responsible for making sure the region meets its goals and objectives across all products and services of the organization.
Chief Marketing Officer (or SVP of Marketing, Chief Marketing and Client Experience Officer, Head of Marketing)
Design, operate and execute marketing plans aligned with business priorities to achieve the bank’s goals.
Establish long-term marketing objectives, branding and strategies to ensure continued brand growth and differentiation, while collaborating directly with business lines and the executive management team.Head of Geographical SubsidiaryHead of Private Banking or Wealth Mgmt
- 51. IBM Financial Crimes Reference Architecture Internal / External ScoresBranch / Field ReferralsCredit/Risk SystemsAccount ApplicationsOperational Risk Systems Data Integration & Framework TechnologiesCorporate Security / Audit ProcessProduct System ProcessCompliance ProcessesRemediat-ion / Recovery Process
Integrated Alert & Case Management Platform
Cross Enterprise Analytics
Op. Risk ProcessTransaction ChannelsCustomers and AccountsEventsEventsEventsEventsMass Compro-miseCross Channel/ Product AnalyticsEntity ResolutionAlert Rollup
Link Analysis / Data Visualization
WorkflowMetrics, Reporting, DashboardsPrioritizationAuditPolicy ManagementRisk AssessmentProceduresTrainingControl Internal / External ListsAnti-Money Laundering and Terrorist FinanceCustomer AuthenticationRisk-Based KYC, CDD, and EDDFraud Profiling, Prevention and DetectionAML Transaction MonitoringLarge Cash ReportingMarket SurveillanceSuitabilityWatch Lists (Sanctions)Lifecycle Customer ScoringInitial Customer ScoringHigh Risk MonitoringEDD ProcessesMerchant / DeviceIdentity / OnlineProducts (card, deposit, mortgage, etc)InternalInvestmentClaimsApplicationDevice ProfilingIdentity ManagementChannels (ATM, POS, Branch, Online, Mobile, etc)FederationCompromise SurveillanceAuthenticationSecurity Policy ManagementAuto-DispositionFinancial
Crimes
