Partner with SAP to develop mobile apps and capture the mobile
market opportunity for financial services
SAP PartnerEdge p...
Agenda










Introduction
Ÿ
M
Ÿ obile Market Opportunity
Omnichannel Banking
Partner Use-case
SAP Mobile Plat...
Speakers

Haridas Nair
VP Product and Solutions,
Omnichannel Banking, SAP

© 2014 SAP AG or an SAP affiliate company. All ...
Omnichannel Banking
Haridas Nair, VP Product and Solutions, Omnichannel Banking, SAP
Digital technology is changing banking

40%

of customers sign up for new
product online – same as in-branch

50%

of bank...
Growth in spending on digital channels
•

Global Spend in Banking on Internet and
Mobile Channels is growing at a healthy
...
Research Substantiates the Digital Trend & Highlights concerns
•

Mobile Banking usage is rising
rapidly

•

Customers are...
Banks with innovative digital strategies will reap the benefits
And drive business results

More than 2x the products are ...
However banks have their challenges

Fragmentation

Fragmentation in dealing with set of services, multiple
channels, diff...
And achieving innovation across channels is challenging

Increases costs of building and supporting new channels
A complex...
SAP facilitates faster cross-channel innovation
•

Leadership in mobile
• Digital sales migration
• Self-service enablemen...
SAP Omnichannel Banking Components
Solutions for bank customers

Digital Retail Banking

Digital Corporate Banking

Mobile...
SAP delivers value for retail and corporate banking
Challenges
•

Needed a mobile banking presence after
core banking refr...
MFA, Secure Session
and Public Information

Access to Internal
and External
Accounts

Retail
Banking

Bill Pay, Account an...
Cash Management

ACH / Wires

Corporate Banking

Approvals and Releases

Payment & Transfer
Scheduling
© 2014 SAP AG or an...
Desired Target State
Integrated Omnichannel Experience
Consistent Omni-Channel User experience
 Create and deploy beautif...
Target state of a layered architecture

Business
Functionality

Collaboratio
n/
Process
Mgmt

Front end /
Omni channel

As...
Desired Target State
High Level Reference Architecture
User Interface

UI Libraries

Customer/Employees UIs (SDK)
Inspect
...
Omnichannel Platform:
Key Elements For Commercial & Retail Banking, Mobile Commerce
Applications/Apps provided by Partners...
Channel
Interaction

Technical Architecture Overview
Channel Source
Users

Corporate
Systems

Business
Network
Services

U...
Partner : Maihiro – Mobile Consumer Loan Origination
•

•


maihiro specializes in CRM
and Business Analytics



100+ em...
SAP Mobile Platform
An open platform for user-centric apps
Guru Shetti, Sr. Director - Mobile, Corporate Business Developm...
SAP Mobile Platform

© 2014 SAP AG or an SAP affiliate company. All rights reserved.

23
Benefits of a Platform Approach - CIO
Protect the enterprise

CIO view
End user security
Device security
Application Secur...
Industry’s first unified mobile application development platform

Apps for: Employees
Partners
Customers

B2E
B2B
B2C

Fro...
SAP Mobile Platform 3.0 – An Open Platform

OSGi Spring

HTTP REST

HTML5

reuse dynamic updates,
versioning, and models t...
SAP Mobile Platform – Client

Native

SMP Client Core components

LCM
(Resource
provisioning)

Logging/Tracing

Kapsel

Pl...
Support for all major operating systems*
SAP Windows 8 apps running on SMP

SDK available

REST API only

iOS 6.x

Win8

A...
Mobile Analytics Kit
Mobile Analytics Kit
 Developers have two choices for embedding analytics in their apps:
– Use XML d...
SAP Mobile Secure
Industry’s First Comprehensive Mobile Security and Management Suite

SAP Mobile Secure

Device

Applicat...
SAP: Only Vendor named a leader in both of Gartner’s
Mobile Magic Quadrants

Magic Quadrant for
Mobile Application Develop...
Demo - Appbuilder

© 2014 SAP AG or an SAP affiliate company. All rights reserved.
SAP PartnerEdge for Application
Development
Thorsten Leiduck, VP Platform Ecosystem & eChannels, SAP
MONETIZE

Build and monetize your business solutions leveraging
SAP PartnerEdge program for Application Development
Sell
1...
Six reasons to join
SAP PartnerEdge progam for Application Development
1

One global contract
– all-inclusive, partner own...
Application Development Partner Center
One gateway to SAP
 Full lifecycle coverage
 Hot topics and news
 Onboarding too...
SAP Store
Expand your market reach
Status: July 2013

 Full self-service via "My Account"
functionality

2,200+

4,500

S...
Next Steps

Turn business trends and
innovative technologies into
new sales opportunities

Ready to take off?
Visit the pa...
Resources
Resources for Partners

Resources for Developers

SAP Application Development Partner Center

SAP Mobile Platfor...
Questions
Visit www.sapadpc.com to get started
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Partner with SAP to Develop Mobile apps and capture the Mobile Market Opportunity for Financial Services

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Agenda:
Introduction
Mobile Market Opportunity
Omnichannel Banking
Partner Use-case
SAP Mobile Platform 3.0 Overview and Demo
SAP PartnerEdge for Application Development
Next Steps
Partner and Developer Resources
Questions and Answers

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Partner with SAP to Develop Mobile apps and capture the Mobile Market Opportunity for Financial Services

  1. 1. Partner with SAP to develop mobile apps and capture the mobile market opportunity for financial services SAP PartnerEdge program for Application Development February 3, 2014
  2. 2. Agenda          Introduction Ÿ M Ÿ obile Market Opportunity Omnichannel Banking Partner Use-case SAP Mobile Platform 3.0 Overview and Demo SAP PartnerEdge for Application Development Next Steps Partner and Developer Ÿ esources R Questions and Answers © 2014 SAP AG or an SAP affiliate company. All rights reserved. 2
  3. 3. Speakers Haridas Nair VP Product and Solutions, Omnichannel Banking, SAP © 2014 SAP AG or an SAP affiliate company. All rights reserved. Guru Shetti Sr. Director - Mobile, Corporate Business Development (Strategic Partnerships), SAP Thorsten Leiduck VP Platform Ecosystem & eChannels, SAP 3
  4. 4. Omnichannel Banking Haridas Nair, VP Product and Solutions, Omnichannel Banking, SAP
  5. 5. Digital technology is changing banking 40% of customers sign up for new product online – same as in-branch 50% of banks’ total customers (88% of digital customers) regularly use more than one channel 70% of banks believe that multi-channel customers are more valuable © 2014 SAP AG or an SAP affiliate company. All rights reserved. 5
  6. 6. Growth in spending on digital channels • Global Spend in Banking on Internet and Mobile Channels is growing at a healthy rate of 9.27% CAGR - IDC 1,600.00 Global Spending on Internet and Mobile Channels 1,400.00 1,200.00 • • More than 50% of consumers are expected to become mobile bankers by 2016 - Javelin With 92% of the top 25 banks now offering mobile banking, smaller banks and credit unions risk losing valuable customers to these institutions and must focus on building out their mobile banking capabilities in order to compete - Javelin 1,000.00 800.00 600.00 400.00 200.00 Y2012 Y2013 Y2014 Y2015 Y2016 Y2017 IDC Javelin: Mobile Banking, Smartphone and Tablet Forecast 2011‐2016: Mobile Banking Moves Mainstream to Mid‐sized, Community Banks and Credit Unions © 2014 SAP AG or an SAP affiliate company. All rights reserved. 6
  7. 7. Research Substantiates the Digital Trend & Highlights concerns • Mobile Banking usage is rising rapidly • Customers are increasingly opting to buy products online • However cross selling is a challenge Source:http://www.accenture.com/SiteCollectionDocuments/PDF/Accenture-Consumer-US-Retail-Banking-Survey.pdf © 2014 SAP AG or an SAP affiliate company. All rights reserved. 7
  8. 8. Banks with innovative digital strategies will reap the benefits And drive business results More than 2x the products are sold per customer in an integrated, Increase Revenue multi-channel environment compared to a traditional, siloed bank. Wow factor Twice the profitability and higher loyalty from multi-channel customers. Boost Profitability & Loyalty $1.5 billion industry cost savings from switching mobile bankers’ one in-person deposit to mobile per month Reduce Costs © 2014 SAP AG or an SAP affiliate company. All rights reserved. 8
  9. 9. However banks have their challenges Fragmentation Fragmentation in dealing with set of services, multiple channels, different look and feel, different on-boarding and support processes Complexity Systems landscape has become complex thro the years, cost to run and change, difficult to integration product or services from 3rd parties Agility Customers are imposing their standards, so need agility and flexibility to adapt. Speed to deliver change is key Self Serve Driven by experience in personal lives, customer expectations revolve around personalization & control © 2014 SAP AG or an SAP affiliate company. All rights reserved. 9
  10. 10. And achieving innovation across channels is challenging Increases costs of building and supporting new channels A complexity that grows exponentially across Limits ability to introduce new capabilities multiple silos… Results in inconsistent customer experiences Retail Banking Credit Card © 2014 SAP AG or an SAP affiliate company. All rights reserved. Mortgage Brokerage Corporate Banking 10
  11. 11. SAP facilitates faster cross-channel innovation • Leadership in mobile • Digital sales migration • Self-service enablement • Customer loyalty and engagement • Eliminate duplication across silos SAP Omnichannel Banking Retail Banking Credit Card © 2014 SAP AG or an SAP affiliate company. All rights reserved. Mortgage Brokerage Corporate Banking 11
  12. 12. SAP Omnichannel Banking Components Solutions for bank customers Digital Retail Banking Digital Corporate Banking Mobile Money Cash2Mobile Empower retail customers to manage their finances, anytime and anywhere. Offer the simplicity of a consumer solution plus the reporting and approval flows a corporation requires. Expand banking services to the unbanked and under-banked. Provide a safe, reliable way for delivery drivers to receive funds via mobile. ATM Call Center Manage millions of transactions, dispense cash and market additional targeted offers and products. Empower agents to effectively respond to inquiries with access to communication tools from any location. Received Message Thanks. The payment was successfully made. INVOICE #: 102938 AMOUNT: $10,000.98 NAME: ANDRZEJ SUPE… © 2014 SAP AG or an SAP affiliate company. All rights reserved. 12
  13. 13. SAP delivers value for retail and corporate banking Challenges • Needed a mobile banking presence after core banking refresh • Needed a competitive corporate offering to drive revenue • Wanted leadership position in corporate mobile banking • • Lacked a full featured multi-language, multi-currency corporate banking offering • Wanted to reach rural customers who didn’t have access to a branch • © 2013 SAP AG. All rights reserved. Wanted to reduce cost of maintaining multiple mobile apps Results • Leadership in mobile • Digital sales migration • Migration to selfservice • Eliminate duplication across silos • Customer loyalty and engagement Needed to breakdown silos to reduce the cost of introducing new features Internal 13
  14. 14. MFA, Secure Session and Public Information Access to Internal and External Accounts Retail Banking Bill Pay, Account and P2P Transfers Remote Deposit Capture © 2014 SAP AG or an SAP affiliate company. All rights reserved. Offers and Loyalty 14
  15. 15. Cash Management ACH / Wires Corporate Banking Approvals and Releases Payment & Transfer Scheduling © 2014 SAP AG or an SAP affiliate company. All rights reserved. 15
  16. 16. Desired Target State Integrated Omnichannel Experience Consistent Omni-Channel User experience  Create and deploy beautiful engaging UI’s consistently across Mobile, Tablet, Online Open Standards based future proof platform  Develop new & extend existing capabilities faster for revenue generation  Manage upgrade costs more efficiently Integration with complementary SAP technologies  Leverage value-add technologies like SAP RTOM, HANA, SAP Analytics for differentiated market presence © 2014 SAP AG or an SAP affiliate company. All rights reserved. 16
  17. 17. Target state of a layered architecture Business Functionality Collaboratio n/ Process Mgmt Front end / Omni channel As starting point to define an omnichannel adoption roadmap Channel Clients Manages customer interaction Offers input sequence and validation Omni Channel Foundation Focuses on capabilities for customer interaction Business Process Mgmt Offers cross channel capabilities Supports cross channel processes Process Object Layer Handles work in progress Provides services ready for channel consumption Ensures transaction integrity; enables automization Areas of Responsibility © 2014 SAP AG or an SAP affiliate company. All rights reserved. Offers elemantory services Acts channel agnostic Includes reference data & product systems 17
  18. 18. Desired Target State High Level Reference Architecture User Interface UI Libraries Customer/Employees UIs (SDK) Inspect View Act Provided by Partners Customers SAP Applications provided by • SAP • Partners • Customers People Centric Shared Services Business Services, e.g. Sales Payments Account Info Product Content Wallet Funds Movement Business Services consumed by Partners Customers Consistent Usage of • Business Services • Foundation Services Foundation Services, e.g. Security Logging Lifecycle Mgmt POL providing Business Services Customer Systems SAP Applications © 2014 SAP AG or an SAP affiliate company. All rights reserved. POL Libraries Provided by Partners Customers SAP Open to • Integrate with other technologies • Adopt innovations • Support customer individual roadmap 18
  19. 19. Omnichannel Platform: Key Elements For Commercial & Retail Banking, Mobile Commerce Applications/Apps provided by Partners, Customers, SAP Containing UIs and Business Services based on SMP and POL SAP Mobile Platform (SMP) UI Libraries Customer/Employees UIs (SDK) View Inspect Act Provided by Partners Customers SAP Existing Examples: Business Services Account Information Funds Movement Mobile Wallet Foundation Services Mobile Payments • • Business Services consumed • by Partners Customers • POL Libraries • Bank Communication Personal Finance Customer Service POL providing Business Services Customer Systems • Provided by Partners Customers SAP Clear separation between Presentation and Business Logic. UI Development Kit (SDK) provided by SAP Mobile Platform for Native, Hybrid and HTLM5 UIs Business Services provided by SMP based on Process Builder (POL) SMP supports seamless B2E & B2C processes Productized mobile and internet applications provided by Partners, Customers and SAP. Apps based on SAP Omnichannel platform with SMP and POL SAP Applications © 2014 SAP AG or an SAP affiliate company. All rights reserved. 19
  20. 20. Channel Interaction Technical Architecture Overview Channel Source Users Corporate Systems Business Network Services UI Libraries Provided by Partners Customers SAP Business Services consumed by Partners Customers POL Libraries Provided by Partners Customers SAP © 2014 SAP AG or an SAP affiliate company. All rights reserved. 20
  21. 21. Partner : Maihiro – Mobile Consumer Loan Origination • •  maihiro specializes in CRM and Business Analytics  100+ employees  It enables customers to get a loan at the point of sale and directly pay using the disbursed loan amount. Hq: Germany  The maiConsumerLoan application showcases a mobile consumer loan origination scenario. 200+ clients & 400 CRM projects © 2014 SAP AG or an SAP affiliate company. All rights reserved. 21
  22. 22. SAP Mobile Platform An open platform for user-centric apps Guru Shetti, Sr. Director - Mobile, Corporate Business Development, SAP
  23. 23. SAP Mobile Platform © 2014 SAP AG or an SAP affiliate company. All rights reserved. 23
  24. 24. Benefits of a Platform Approach - CIO Protect the enterprise CIO view End user security Device security Application Security Transport Security  End to end encryption: Device to Platform  Secure data access to back-end, encryption for data in motion and at rest      Multi-level authentication (device, platform, source) Multiple user authentication options Single sign-on capabilities Robust tracing and logging capabilities: end-to-end; ability to monitor Automate as many security measures as possible MEAP Security Backend Security © 2014 SAP AG or an SAP affiliate company. All rights reserved. 24
  25. 25. Industry’s first unified mobile application development platform Apps for: Employees Partners Customers B2E B2B B2C From proprietary to open-standards and open-source Standards-based approach Tools, components, SDKs to speed development The right tool for the right job Protect the enterprise OData, MDD and MBOs for offline support Tools for rapid development Native Hybrid MDD Mobile Web SMS Common auth framework Offline with sync SAP Mobile Platform App Services Platform Services © 2014 SAP AG or an SAP affiliate company. All rights reserved. Linux and Windows OS Back-end Agnostic Simplified Admin Analytics and Reporting 25
  26. 26. SAP Mobile Platform 3.0 – An Open Platform OSGi Spring HTTP REST HTML5 reuse dynamic updates, versioning, and models to simplify complexity standard protocol that decouples the dependency on SAP released SDKs use any web tooling you want on SMP3 OData standard model that decouples backend and frontend developers © 2014 SAP AG or an SAP affiliate company. All rights reserved. Cordova combine SAP’s enterprise plugins with any other plugins from 3rd party 26
  27. 27. SAP Mobile Platform – Client Native SMP Client Core components LCM (Resource provisioning) Logging/Tracing Kapsel Player Data Access Layer Security (Vault/AES 256-bit Encryption) Persistence (OData Doc Cache handling with delta support) Synch Support Offline DB and Outbound Queue Push Notifications Authentication (SSO2 , Certificates) Connectivity © 2014 SAP AG or an SAP affiliate company. All rights reserved. 27
  28. 28. Support for all major operating systems* SAP Windows 8 apps running on SMP SDK available REST API only iOS 6.x Win8 Android 4.x BlackBerry 10 *Mobiliser apps continue to support older versions and feature phones and Agentry apps continue to be supported on ruggedized devices. Details will be published in the support matrix on service.sap.com/pam at product release © 2014 SAP AG or an SAP affiliate company. All rights reserved. 28
  29. 29. Mobile Analytics Kit Mobile Analytics Kit  Developers have two choices for embedding analytics in their apps: – Use XML document to automatically configure a chart or dashboard, map the data series, and pick from out-of-box controls – Use the library to construct charts from components—allows even greater degree of customization  Extra Features (out-of-box controls) – Drill-down (tap to zoom) – Semantic Zoom (pinch to zoom; axes automatically drill-down to narrower data series) Mobile Analytics Kit (MAKit) is a set of charting libraries co-developed with the Business Objects and SAP UX teams for the development of the ‘Mobile BI’ application release © 2014 SAP AG or an SAP affiliate company. All rights reserved. 29
  30. 30. SAP Mobile Secure Industry’s First Comprehensive Mobile Security and Management Suite SAP Mobile Secure Device Application Content Services Mobile Security Enterprise Mobility Management System On Premise © 2014 SAP AG or an SAP affiliate company. All rights reserved. Hybrid Cloud 30
  31. 31. SAP: Only Vendor named a leader in both of Gartner’s Mobile Magic Quadrants Magic Quadrant for Mobile Application Development Platforms Authors: Ian Finley, Van L. Baker, Ken Parmelee, David Mitchell Smith, Ray Valdes, Gordon Van Huizen Gartner, 7 August 2013 ID:G00248487 Magic Quadrant for Mobile Device Management Authors: Phillip Redman, John Girard, Terrence Cosgrove, Monica Basso Gartner, 23 May 2013 ID:G00249820 This graphic was published by Gartner, Inc. as part of a larger research document and should be evaluated in the context of the entire document. The Gartner document s are available upon request from SAP . Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings. Gartner research publications consist of the opinions of Gartner's research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose. © 2014 SAP AG or an SAP affiliate company. All rights reserved. 31
  32. 32. Demo - Appbuilder © 2014 SAP AG or an SAP affiliate company. All rights reserved.
  33. 33. SAP PartnerEdge for Application Development Thorsten Leiduck, VP Platform Ecosystem & eChannels, SAP
  34. 34. MONETIZE Build and monetize your business solutions leveraging SAP PartnerEdge program for Application Development Sell 15% rev share Set your price Application-specific runtime licensing % of application price Reach out to SAP’s customers List on SAP Store Application integration Embed technology into solution (planned) Leverage SAP’s GTM services Offer services Choose your innovation packs On premise INNOVATE Bundle your application with the technology SAPStore.com SAP HANA and databases 25 development licenses SAP Business One Enterprise support2) Mobile Cloud resources Business intelligence On demand SAP HANA Cloud Platform Enablement Application reviews Partner with SAP in a global program DISCOVER One global agreement 1) Your IP SAP partner status Partner management www.sapadpc.com SAP PartnerEdge for Application Development | Exploration member Base enablement Exploration packs Community support Developers (community) © 2014 SAP AG or an SAP affiliate company. All rights reserved. 1) For add-on functionalities; 2) Respectively, SAP Business One support Low annual fee First pack: €2500 Each additional pack: €500 (SAP HANA Cloud Platform: €3500 / €1500) FREE 1 year only FREE 34
  35. 35. Six reasons to join SAP PartnerEdge progam for Application Development 1 One global contract – all-inclusive, partner owns IP1), custom development included2) 2 Effective enablement – same structure across all technologies 3 Partner Center (www.SAPadpc.com) – all information and interaction in one place 4 Packaged apps available in the SAP Store – access to SAP customer base 5 Selling with application-specific runtime-license – one-stop-shop for the customer 6 Low fees – SAP earns when partner sells © 2014 SAP AG or an SAP affiliate company. All rights reserved. 1) for add-on functionalities; 2) except for modifications of SAP back-end software 35
  36. 36. Application Development Partner Center One gateway to SAP  Full lifecycle coverage  Hot topics and news  Onboarding tools  Quality-assured enablement assets  Access to self-service and remote services  Process wizards  Community access www.SAPAppsDevelopmentPartnerCenter.com www.sapadpc.com/ © 2014 SAP AG or an SAP affiliate company. All rights reserved. 36
  37. 37. SAP Store Expand your market reach Status: July 2013  Full self-service via "My Account" functionality 2,200+ 4,500 Solutions on eChannels/ SAP Store from SAP and Partners  Ability to sell as agent Online transactions YTD The SAP Store  PayPal option for collection  Available in 23 countries  Listing of all partner apps  Federated search across SAP and partner apps  Success sharing (15% share on transactions closed) © 2014 SAP AG or an SAP affiliate company. All rights reserved. 32,000 App downloads (SAP and partner apps) 515,000 Online visits YTD 37
  38. 38. Next Steps Turn business trends and innovative technologies into new sales opportunities Ready to take off? Visit the partner center and sign up now! www.sapadpc.com © 2014 SAP AG or an SAP affiliate company. All rights reserved. 38
  39. 39. Resources Resources for Partners Resources for Developers SAP Application Development Partner Center SAP Mobile Platform 3.0 Ramp-up (for existing SAP partners only) Join SAP PartnerEdge program for Application SAP Mobile Academy Development SAP Store for Mobile Apps SAP Mobile Developer Forum on SCN Meet SAP at Mobile world Congress SAP Mobile Platform 3.0 Boot Camps (Barcelona February 24-27) Other upcoming Mobile Workshops and Events © 2014 SAP AG or an SAP affiliate company. All rights reserved. 39
  40. 40. Questions Visit www.sapadpc.com to get started

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