Intelligente industriløsninger til den finansielle sektor

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Intelligente industriløsninger til den finansielle sektor

  1. 1. Banking Industry Framework Industry solutions for a Smarter Bank Henrik Koch, Industry Solutions Executive, IBM Software Group
  2. 2. Agenda 1. Introducing IBM Industry Framework for Banking • The market demand for Banking Industry Frameworks • Definitions and key benefits 2. Industry Framework and Industry Solutions for Banking • Corebanking Modernisation • Payments and Securities • Customer care & Insight • Integrated Risk • Financial Markets Framework 3. Closing remarks • Where to get new collateral and information • Who to contact • Questions
  3. 3. Agenda 1. Introducing IBM Industry Framework for Banking • The market demand for Banking Industry Frameworks • Definitions and key benefits 2. Industry Framework and Industry Solutions for Banking • Corebanking Modernisation • Payments and Securities • Customer care & Insight • Integrated Risk • Financial Markets Framework 3. Closing remarks • Where to get new collateral and information • Who to contact • Questions
  4. 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 vendor Our 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 expertise
  5. 5. Levelofadoption Representative Industries Electronics Chemicals & Petroleum High-Tech Manufacturing Automotive Banking Healthcare Government Financial Markets Insurance Media & Entertainment Representative Industries Today Future Custom (Legacy) Environment Integrated Solutions ISV-dominated Environment Client buying behaviors are shifting towards an integrated solution which combines existing assets and new of the shelf-services The market has requested: More standardised solutions, easy to integrate and more service oriented
  6. 6. With a framework approach, organisations can progressively transform to a more simplified, strategic infrastructure Achieve a simplified and agile strategic infrastructure 3 Pick a framework project and start rationalizing to deliver a quick ROI1 Build on the value of previous projects and reuse assets2 Increasing reuse and business agility along the way!
  7. 7. IBM Industry Frameworks - deliver the full power of IBM software to industry solutions Frameworks deliver technology in an industry context, aligning IT to business needs
  8. 8. Industry Solutions Commerce B2B & Commerce Enterprise Content Management Enterprise Marketing Management Industry Order management Optimization & logistics Commerce Marketing 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. 9. IBM Banking Industry Framework Information Insight Financial Risk Financial Crimes Governance & Compliance Operational & IT risk Interaction PaymentsTransactionPlatform Consumer Payments Commercial Payments Compliance & Risk Architecture Transformation Application Modernization Process Agility A Foundation for a Smarter Bank: Actionable Innovation
  10. 10. Speed solution deployment with foundational and domain-specific software extensions and accelerators IBM Banking Industry Framework IBM industry solutions Integrated Risk Management Information FrameWork (IFW) & Banking Data Warehouse (BDW) Process and Data Models IBMFoundational CoreBankingTransformation COGNOS Banking Performance Blueprints COGNOS Banking Risk Performance – Credit Risk Entity Analytics and Global Name Recognition Finance and Integrated Risk Management (FIRM) COGNOS Risk Adjusted Profitability Blueprint IntegratedRiskManagement SOA Banking Scenarios Payments&Securities WTX Industry Packs EPP Assets pureXMLTM Payments Bundles WebSphere BI for FN Corporate Payments Scenario Solution Templates Banking Vocabulary Design Rules Banking Message Model CustomerCare&Insight COGNOS Banking Performance Blueprints Customer Identification Solution Common Business Language Services Accelerator Banking Data Integration Accelerators WebSphere Multichannel Bank Transformation Toolkit Account Opening Scenario Common Shared ServicesBanking Extensions for MDM Server Services Component Building Blocks Refer ence Paym ents Servi ces Interfa ces Ti m er Se rvi ce s Sta te En gin e Pa y m en ts O bj ec ts U se r Int erf ac e Flow Coord inator Development Tools / Methodology WebSphere Modeler with IFW Rational Software Architect with IFWWebSphere Banking Content Pack IBM Service Management for IRM
  11. 11. Theme 4: Acquisitions expand business value Banking Industry Framework – Themes behind V2 IT Systems and Operations Merchandising and Product Management Store and Channels Theme 2: Shaped by industry software strategies and capabilities Theme 1: A more unified framework Core Banking Transformation Customer Care and Insight Payments & Transaction Services Integrated Risk Management IBM DYNAMIC INFRASTRUCTURE IBM SOFTWARE FOUNDATION ENGAGEMENT EXPERIENCES CUSTOMER POCS/FOAKS EARLY ADOPTERS INDUSTRY STANDARDS METHOD & TOOL METHOD & TOOL ARCHITECTURE ARCHITECTURE ACCELERATORS ACCELERATORS INTEGRATION PLT INTEGRATION PLT IBM BANKING INDUSTRY FRAMEWORK ISV & SI PARTNERS SERVICES ENABLEMENT IBM DYNAMIC INFRASTRUCTURE IBM SOFTWARE FOUNDATION ENGAGEMENT EXPERIENCES CUSTOMER POCS/FOAKS EARLY ADOPTERS INDUSTRY STANDARDS METHOD & TOOL METHOD & TOOL ARCHITECTURE ARCHITECTURE ACCELERATORS ACCELERATORS INTEGRATION PLT INTEGRATION PLT IBM BANKING INDUSTRY FRAMEWORK IBM DYNAMIC INFRASTRUCTURE IBM SOFTWARE FOUNDATION ENGAGEMENT EXPERIENCES CUSTOMER POCS/FOAKS EARLY ADOPTERS INDUSTRY STANDARDS METHOD & TOOL METHOD & TOOL ARCHITECTURE ARCHITECTURE ACCELERATORS ACCELERATORS INTEGRATION PLT INTEGRATION PLT IBM BANKING INDUSTRY FRAMEWORK ISV & SI PARTNERS SERVICES ENABLEMENT ISV & SI PARTNERS SERVICES ENABLEMENT Head of Retail Banking Head of Retail Banking Chief Marketing Officer (CMO) IndustrySolutionsGroup Advanced Case Mgmt Workforce Optimization Financial Operations Smarter Commerce Customer Care & Insight Smarter Physical Infra Priority IndustriesPriority Industries S&D and GBS AlignmentS&D and GBS Alignment Priority Industries E&U Retail Health Telco Govt O&G Banking Electr Transport IndustrySolutionsGroup Advanced Case Mgmt Workforce Optimization Financial Operations Smarter Commerce Customer Care & Insight Smarter Physical Infra Priority IndustriesPriority Industries S&D and GBS AlignmentS&D and GBS Alignment Priority Industries IndustrySolutionsGroup Advanced Case Mgmt Workforce Optimization Financial Operations Smarter Commerce Customer Care & Insight Smarter Physical Infra Priority IndustriesPriority Industries S&D and GBS AlignmentS&D and GBS Alignment Priority Industries E&U Retail Health Telco Govt O&G Banking Electr Transport Theme 5: Tuned for LOB Buyer Chief Risk OfficerChief Risk Officer Theme 3: Incorporating key SW growth trends BAO
  12. 12. Banking Industry Framework Benefits A Foundation for a Smarter Bank: Actionable Innovation • Mitigate 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. 13. Agenda 1. Introducing IBM Industry Framework for Banking • The market demand for Banking Industry Frameworks • Definitions and key benefits 2. Industry Framework and Industry Solutions for Banking • Corebanking Modernisation • Payments and Securities • Customer care & Insight • Integrated Risk • Financial Markets Framework 3. Closing remarks • Where to get new collateral and information • Who to contact • Questions
  14. 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 & Scalability Simplification Componentization Integration Optimization Collaboration Security Resiliency Process Agility Application Modernization Architecture Transformation Core Banking Transformation Banking Industry Framework - Core Banking Transformation Projects
  15. 15. Start transforming core banking capabilities with a framework Project  Improve 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 Transformation Process Agility  Transition 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 approach Application Modernization Core Banking Transformation Project Areas  Transform 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 components Business Partners Content Validated on Framework
  16. 16. What are the key drivers for banks to modernize their core banking systems? Technology Drivers Product Innovation Revenue Growth Efficiency Improvement Regulations Workforce Optimization Architectural Simplicity Drivers for Core Systems Modernization M&A Modularity SMEs Retiring Monitoring Globalization Operating Cost Time To Market Customer Centricity Business Drivers Regulatory Drivers Enterprise Leverage Asset Rationalization Shared Services SOA Compliance Auditing ReportingFading Skills Banks are looking at core systems modernization in response to specific business, technology and regulatory drivers
  17. 17. Solution Component Use: ‘Arrangement’ Service Model for Client Relationship and Offer Optimisation BIS System Role Development ExecuteAdvise ServiceMarketing Termination 2 IBM ILog Bus Rules Engine Extract & Analyse 4 3 1 Group Business Dev Business AdvisorsShared Service Center IBM Industry Process & Service Models 3 BIS System & Product Factory Role InfoSphere MDM Server for PIM InfoSphere MDM ServerInfoSphere MDM Server CRM Systems Use/Consolidate Product Factory Role InternetMobile Banking MDM Server for PIM
  18. 18. IBM Master Data Management Product Portfolio Collaborative Authoring Create Maintain Update Govern Deliver MDM Domains Business Services Pre-built Customizable Data Stewardship Party Account Product Custom Integration Content Data Analytics InfoSphere MDM Server MDM Custom-Built Domains Business Process workflow NPI Multi-Commerce Collaborative Authoring Product Location Supplier Others Catalog Mgt InfoSphere MDM Server for PIM
  19. 19. 19 Nordic Bank Financial Services •Growth 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 Challenge Solution Benefits  A 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. 20. Customer Care and Insight Core Banking Transformation Payments and Transaction Services Integrated Risk Management Interaction Insight Information Banking Industry Framework – Customer Care and Insight Projects  Multi-Channel Transformation  Interactive Marketing  Sales and Advisory Transformation  Onboarding a nd Origination Optimization  Customer Care and Servicing  Customer Analytics  Business Performance Analytics  Single View of Customer  Customer Data Warehouse Integration Optimization Analytics Collaboration Security Resiliency
  21. 21. Get started with a Customer Care and Insight project Information Insight Interaction  Optimize 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 results  Understand 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 warehouse  Extract 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 projects Customer Care and Insight Project Areas Content Validated on Framework Business Partners
  22. 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 time Interactive Marketing bringing science to the art of marketing Interactive Marketing
  23. 23. Delivering personalized offers across channels in real time turns inbound interactions into profitable communications Business 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 costs Real 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 weeks Interactive Marketing
  24. 24. Mobile Web  ...mobile Web applications or content for virtually any mobile device browser Need 8,400 Devices Solutions Mobile Portal Accelerator Portal 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 more Web Experience Factory - Portal Mobile Webkit Themes -- WAS 8.0 - Dojo -- Hybrid
  25. 25. Supporting smartphone and multi-channel application capabilities Smartphones WebSphere Portal WebSphere Application Server Tablets Desktop Browsers Use one common set of tools, techniques, application code (models)... ...and generate applications for multiple client devices WebSphere Experience Factory ...deploy to multipleplatforms... Legacy (WS / REST) Sharepoint (CMIS / REST) CRM & SQL
  26. 26. IBM has a broad portfolio of Mobile Enablement offerings
  27. 27. Banking Industry Framework - Integrated Risk Management Projects  Compliance 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 Security  Customer 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 Analysis Payments and Transaction Services Governance and Compliance Operational and IT risk Financial Risk Financial Crimes Core Banking Transformation Customer Care and Insight Integrated Risk Management Integration Optimization Analytics Collaboration Security Resiliency
  28. 28. Start small and grow with an Integrated Risk Management project Financial Crimes Operational & IT Risk Governance & Compliance  Integrate 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 costs  Enable monitoring of internal processes, people and systems for improve operational risk management  Implement early warning systems, IT and crises management processes and business recovery planning  Improve 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 requirements Financial Risk  Connect 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-making Integrated Risk Management Project Areas Content Validated on Framework Business Partners Open Pages, Algorithmics, SPSS, Cognos, IFW, DB2
  29. 29. Flexible model leverages the strengths of leading technologies by adopting best of breed systems and processes 1. Consolidates alerts across channels 2. Conducts cross-LOB analytics 3. Automates, standardizes, and documents analysis and investigation Consolidated and integrated operational organization (where feasible) addresses customer-based alerts and enhances efficiency Generates improved business intelligence for executives, benefiting tactical functions and enables strategic thinking 1. Implements top down policy based on organization risk tolerance 2. Consolidates accountability and direction of resources 3. Prioritizes and manages initiatives 4. Collaborates with other stakeholders to drive a safer business Integrated Financial Crimes Center of Excellence Putting IBM’s Proposed Architecture into the Context of Our Recommended Target Operating Model Financial Crimes
  30. 30. Solution Overview Financial 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. 31. 31 Major North American Bank Financial Services • Create 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 Challenge Benefits  BASEL 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. 32.  Channel Integration  Banking data Warehouse  Financial Network Gateways  Managed File Transfers  Bulk de-bulk, Transformation and Entry / Repair Consumer Payments  Check Processing  Payments online  Mobile Payments  Low Value high volume (i.e., cards) Customer Care and Insight Core Banking Transformation Integrated Risk Management Payments & Transaction Services Banking Framework for Payments and Transaction Services Projects Commercial Payments  High Value low volume  Cross border  Corporate services / Payment factory / Cash Management Payments transaction Platform  CARD / Durbin / Regulation E (US based), Basel III, PSD, SEPA  Payment Transparency, Liquidity,, AML, CTF, Embargo Check,  Adaptive Risk / Regulation capableCompliance and Risk
  33. 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 Platform Restructure 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 regulations Consumer Payments Integrated, 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 LOBs Commercial Payments project areas Process payments, serve corporate customers and manage internal treasury services; manage payments bank to bank, bank to clearing house or central bank, or country to country Compliance and Risk Business Partners Content Validated on Framework Payments and transaction services projects – address business needs across the enterprise
  34. 34. Financial Transaction Manager in Payments Transaction Platform IBM 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. 35. IBM 3rd Party Legend Risk & Regulation Payment Schemes &Types Gateway Adapters Origination Systems Financial Business Solutions InvoicePresentment OFAC Anti-MoneyLaundering ACH:NACHA Checks Credit&DebitCards Contactless Financial Transaction Manager Gateway Services Network Adapters System Adapters Financial Transactions Integration Message mapping & Validation Channel Management Monitoring & Logging Transaction Warehouse Reporting & Dashboards Lifecycle Management Core Services Object Model Interface Data ModelFlow Coordinator Printing & Validation Customer Profile Management, Security, Auditing State Engine Configuration E-Commerce Internal Banking Systems Corporate Payment Systems External Payment Networks Consumer Channels NOSTRO TradeFinance GlobalDisbursement TransactionAnalytics Exception&Investigations CashManagement TARGET2 CHIPS SWIFT ... MobileSolutions LiquidityManagement SEPACreditTransfer SEPADirectDebit ... Financial Transaction Manager -- direction IBM Confidential
  36. 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 months Client 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 engine Project Use Case – DnB NOR
  37. 37. 37 How we can help: Sterling Integrator in banking Content-based routing Translation Mailbox Bulking / de-bulking Business rules processing Validation SWIFT NACHA Domestic Standards libraries Visibility EBA STEP2 SWIFT NACHA Domestic TARGET2 TSU
  38. 38. January 30, 2015 38 Content-based routing Translation Mailbox Bulking / de-bulking Business rules processing Validation SWIFT NACHA Domestic Standards libraries Visibility EBA STEP2 SWIFT NACHA Domestic TARGET2 TSU Sterling Integrator – Features Community Management • Registration and activation • Change management • Self service • Support Secure Exchange • Perimeter security • Authentication & encryption • Mail boxing Translation and Integration • Adapters • Mapping • Financial services standards • Translation services Process Automation • Process modelling • File and message routing • Automated exception handling Visibility Management • Monitoring and management • Notifications and alerts • Audit and reporting
  39. 39. Banking Framework for Payments and Securities – Nordic Reference examples Customer name Value proposition Solution content Platform Dansk Bank Solution for SWIFT and Peyments Gateway WBI FN DB2, WAS, MQSeries Websphere Message broker SW Services and PM Z/OS DnB NOR Solution for SEPA Credit Transfer and Corporate B2B Payments Liquidity Manager EPP using DB2, WAS, MQSeries Websphere Message broker, SW Services and PM Z/OS DnB NOR SWIFT Gateway Merva Using WBI FN at EDB BP Z/OS EDB BP SWIFT Gateway WBI FN Z/OS VPS Solution for Funds and new SWTFT formats for securities EPP using DB2, WAS, MQSeries Websphere Message broker, SW Services Intel VP Solution for Funds and new SWTFT formats for securities EPP using DB2, WAS, MQSeries Websphere Message Broker, SW Services Z/OS Swedbank Solution for Funds and new SWTFT formats for securities EPP using DB2, WAS, MQSeries Websphere Message Broker, SW Services UNIX
  40. 40. WebSphere BI for FN – Structure Business Application SWIFTAlliance Gateway (SAG) DB2,WebSphereMQ, WebSphereApplicationServer Accounting Timer Service WebSphere Message Broker Message Management Message Entry and Repair GUI, Printing, Routing, … Messaging Services for SWIFTNet InterAct and FileAct WebSphere BI for FN V3.1.1 FIN Financial Message Transfer Centralized Operating Configuration Security / Access Control Event handling Monitoring Auditing Message Warehouse SAG AddOn Message Validation WebSphere BI for FN - Base Financial Transaction Manager Data model, message model, state machine, configuration and administrative interface, … Relationship Management Application New
  41. 41. IBM Financial Markets Framework Buy Side Sell Side Financial Risk Management Back Office Risk Market Data Solution * Algorithmic Trading * Portfolio Optimization and Trade Analytics Trade Process Transformation Market Infrastructure Risk Next Generation Trading Infrastructure * Market Surveillance and Trade Monitoring Post Trade Infrastructure Settlement Risk Management Back Office Risk Back Office Risk Front Office Front Office * Project includes WebSphere Front Office
  42. 42. Execution Strategy and Order Routing Gateway WebSphere MQ Low Latency Messaging Market Data Distribution Feed Handlers Platform eXtreme Scale Streams Analytics Order Generation FIX EngineProcessing Rules Market Data Analytics IDS Market Book and Market History Reference data Routing Engine Exchanges, ATS, ECN Analysis, Pricing and Order Generation Monitor Desktop Data Feeds (NYSE) Simulated Venue for Order execution Gateway Data Feed (NASDAQ) Data Feed (IDC) Market Data Distribution Front Office v3.0
  43. 43. Low Latency and High Performance Computing Ultra-low Latency Transport In-memory Database Wire speed Transformation Maximum security MQ Low Latency Messaging WebSphere Front Office for Financial Markets DataPower Appliances Infosphere Streams Solid DB Business Activity Monitoring Cognos Now! Stream Processing Low Latency Market Data Platform IBM Offerings for Financial Markets
  44. 44. Agenda 1. Introducing IBM Industry Framework for Banking • The market demand for Banking Industry Frameworks • Definitions and key benefits 2. Industry Framework and Industry Solutions for Banking • Corebanking Modernisation • Payments and Securities • Customer care & Insight • Integrated Risk • Financial Markets Framework 3. Closing remarks • Where to get new collateral and information • Who to contact • Questions
  45. 45. Banking Industry Frameworks and Industry Solutions • IBM 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/
  46. 46. Questions?
  47. 47. 48 Henrik Koch IBM Software Group, Nordic 2800 Lyngby Mobile: + 45 28803658 hkoch@dk.ibm.com
  48. 48. Primary target buyers and usage scenarios for CC&I Head of Retail Banking Chief Marketing Officer Head of Commercial Banking  Head 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 Subsidiary Head of Private Banking or Wealth Mgmt
  49. 49. IBM Financial Crimes Reference Architecture Internal / External Scores Branch / Field Referrals Credit/Risk Systems Account Applications Operational Risk Systems DataIntegration&FrameworkTechnologies Corporate Security / Audit Process Product System Process Compliance Processes Remediat-ion / Recovery Process Integrated Alert & Case Management Platform Cross Enterprise Analytics Op. Risk Process Transaction Channels Customers and Accounts Events Events Events Events Mass Compro- mise Cross Channel/ Product Analytics Entity Resolution Alert Rollup Link Analysis / Data Visualization Workflow Metrics, Reporting, Dashboards Prioritization Audit Policy ManagementRisk Assessment Procedures Training Control Internal / External Lists Anti-Money Laundering and Terrorist Finance Customer Authentication Risk-Based KYC, CDD, and EDD Fraud Profiling, Prevention and Detection AML Transaction Monitoring Large Cash Reporting Market Surveillance Suitability Watch Lists (Sanctions) Lifecycle Customer Scoring Initial Customer Scoring High Risk Monitoring EDD Processes Merchant / Device Identity / Online Products (card, deposit, mortgage, etc) Internal Investment Claims Application Device Profiling Identity Management Channels (ATM, POS, Branch, Online, Mobile, etc) Federation Compromise Surveillance Authentication Security Policy Management Auto-Disposition Financial Crimes

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