2. Who We Are
1
Craig Besnoy
Mobile Evangelist, Developer, Architect
@cbesnoy
Craig.besnoy@mindtree.com
Laks Sundararajan
Digital Architect, Developer, IBM
Champion
@lakssundar
Laks.Sundararajan@mindtree.com
3. Agenda
2
Wearables are becoming important
§ Wearable Economy
Using IBM Mobile First for Wearables
Architecture of Wearables
How Wearable's are used today?
Demo Application
Details of architecture for Demo Application
6. Emergence of Wearables
§ Engagement with digital technology is increasing
§ Younger generations are more attracted towards digital technology
§ Rising consumer expectations for digital experiences
§ Digital Fashion Statement
5
Source: The Deloitte Consumer Review. Beyond the hype: The true potential of mobile and Deloitte Media Consumer Survey 2013
8. Wearable Impact on Life, Work, Socialization
7
Source: Report on Future of Wearable Tech, PSFK Labs, 2014
Wearables offer
personalized
touch
Wearables help in
communicating and
sharing details
irrespective of distance
Devices point to increasingly
sophisticated relationship people have
with their technologies
9. Power of Wearables vs. Traditional Digital Channels
Some of the interesting attributes due to which wearables will be preferred over
traditional digital channels
8
Hands-free devices Accessibility of
Augmented Reality
Availability of
Biometric Information
More personalized
10. Opportunity for Financial Institutions
9
Drivers & Enablers
Digital is becoming mainstream
§ Online channel is well established
§ Mobile channel is growing at a fast pace
Emergence of wearables
§ Digital channels are being adopted at a faster pace
§ Wearables have added value to other industries
Future Customer Expectations
§ Initial Demand will come from tech-savvy individuals
§ Expectations will rise with the popularity of the new products that are coming in the market
§ Need for innovation
§ Create brand value and buzz in the market
§ Architect infrastructure to adapt quickly to upcoming opportunities
§ Enable a culture to capitalize on avenues of new revenue streams
Implications
11. How Wearable's are used today?
§ Alerts & Notifications
§ Payments
§ Augmented reality
§ Control
§ Tracking human activity
§ Assistance for the disabled
12. Alerts & Notifications with Wearables
11
Caixa Bank (Financial services company, Spain)
§ Stocks and Equity Tracking via Smart Watch
Westpac (Financial services company, Australia)
§ Created an app that lets consumers check their bank balances on
a Sony SmartWatch
U.S. Bank (Financial services company, US), Wells Fargo (Financial
services company, US) & ING Direct (Financial services company,
Australia)
§ Developing apps for smart watch to check balances, receive fraud
alerts and perform other banking tasks simply by tapping the face
on their watches
13. Payments with Wearables
12
PrivatBank (Commercial Bank, Ukraine)
§ Designed an app for Google Glass
§ To pay bills by taking pictures of them, transfer funds between
accounts, pay for purchases by snapping images of QR codes.
M.J.Bale (Tailor, Japan)
§ Partnered with Heritage Bank and Visa to design suit with a
contactless payment chip and antenna fused into the sleeve
§ Ability to pay for anything effortlessly and without any risk of losing
wallet
14. Augmented reality with Wearables
13
Caixa Bank (Financial services company, Spain) & Banco Sabadell
(Banking Group, Spain)
§ Google Glass used to locate nearby ATM/branches and get
directions
§ Supports 24/7 video conferencing
Virgin Atlantic (Airline, UK)
§ Used Google Glass and Smart Watch to identify & greet upper
class passengers by name
§ Staff will also be able to provide up-to-the-minute information such
as flight updates and destination information using the smart glasses
and watches
15. Control with Wearables
14
Bango plc (Payments Platform, UK)
§ Designed a Smart Belt which would be used to control spending
limits
§ Tightening the belt - reduce spending limits
§ Loosening the belt - increase spending capability
Fujitsu (Information technology equipment and services company,
Japan)
§ Designed Gloves which would be used to take actions using
gestures
§ NFC tag reader and gesture-based input for maintenance and other
on-site operations
16. Low Lying Fruits in Banking Use cases
Categorization of Potential Wearable banking
Use Cases using the framework
17. 16
Concept-BusinessAttractiveness
LowHighMedium
"Quick Wins" - Invest now
§ Bank balance (Smartwatch)
§ Track Equities (Smartwatch)
§ Fraud Alerts (Smartwatch)
§ Transaction Alerts (Smartwatch)
§ Bill payments (Smartwatch)
"Low hanging fruits" –
Experiment & build capability
§ Notifications (Smartwatch)
§ Payment due date reminder (Loan/Bill)
(Smartwatch)
"Probable future big hitters" - Keep a
close eye
§ Locate branch/ATM (Goggle glass)
§ Contextual offers through augmented
reality (Goggle glass)
"Money Pits" – Ignore
§ Control actions using gesture-based
input or voice using NFC tag reader
(Smart Glove, Ring)
For instance - Customer signs by
drawing letters in the air with his finger.
Low HighMedium
Concept - Implementation Complexity
19. IBM Mobile First Foundation
18
§ IBM® MobileFirst Platform Foundation,
formerly known as IBM Worklight, helps
organizations extend their business to mobile
devices
§ It provides an open and comprehensive
platform to not only build, but test, run and
manage native, hybrid and mobile web apps
§ Available as an on premises or private cloud
solution, IBM MobileFirst Foundation can help
reduce both application development and
maintenance costs, improve time-to-market
and enhance mobile application governance
and security
20. IBM Mobile First Foundation
19
IBM MobileFirst Foundation comprises of following components:
§ IBM MobileFirst Studio
§ IBM MobileFirst Server
§ IBM MobileFirst Device Runtime Components
§ IBM MobileFirst Application Center
§ IBM MobileFirst Console
21. § Application Scanning – Detect
code security vulnerabilities at the
time of deployment
§ Quality Assurance – Collect beta
test feedback, crashes and analyze
user sentiment
§ Foundation – Development
environment, continuous delivery,
operations, security and integration
§ Services – Cloud APIs, Cloudant
NoSQL DB, Workflow Business
Analytics and more
IBM Mobile First Foundation - Capabilities
20
22. MobileFirst - High Level Architecture
21
MobileFirst
Studio
Developer Tool
MobileFirst SDK
F
I
R
E
W
A
L
L
End Point
Manager
MobileFirst
Platform Server
Platform
Foundation
Application
Scanning
Quality
Assurance
E
S
B
Enterprise Data
26. Architecture – Concept Smartwatch Banking App
25
Worklight
Server
HTML 5, JS, CSS
Third party
plugins
IBM worklight JS API
IBM worklight Native API
Native Device API’s
Common Control
JS/Native Bridge PhoneGap
Worklight API
IBM Worklight Application
Android Phone
Background application
Android Watch
Google Glass
Bank Premise
Core Banking
Server
Banking DB
Support &
Self Service
Dashboard & Reports
FIREWALL
Carrier
Bank Data centre
27. Wearables - Demo
§ ING Vysya Smartwatch App
§ Concept Smartwatch Banking App
§ Concept Google Glass Banking App
