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It 2 bian case studies june 2013 k_ketels

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Presentation from the Swiss Standards Forum in October 2013

Presentation from the Swiss Standards Forum in October 2013

Published in: Economy & Finance, Business

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  • 1. Selected Case Studies Kris Ketels SWISS forum for financial standards Oct 17th 2013
  • 2. Agenda  SunGard  IBM (BIAN - IFW)  Microsoft  ING - Infosys  SAP (2x)  Scotiabank  Singapore Management University 2 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 3. Ambit Core Banking is based on the Banking Industry Architecture Network (BIAN) standards and built using a componentized service-orientated architecture, allowing banks to implement only the functionality they require in a manageable and phased way. This approach also enhances a bank’s organizational agility as it helps the bank to adapt more quickly to market changes 3 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 4. Service Orientated Discovery & Analysis = SODA www.sungard.com
  • 5. What is SODA? • SunGard’s Service-Oriented Discovery and Analysis (SODA) is an approach based on BIAN’s methodology and approach, to discover services by mean of finding the right model for a complex problem • SODA consists of the following: 1. A set of templates that are based on AMBIT Reference Architecture and BIAN’s Methodology and Standards: 2. A Service Landscape 3. A unify semantics that is used to govern the methodology www.sungard.com
  • 6. SunGard’s adoption of SOA & BIAN’s service Landscape Subject Characteristics Business Domain • • • • Grammar for organizing service domains Arbitrary, but necessary for conversation Meaning is context driven Multiple responsibilities, 1 business purpose Service Domain • • • • • One focus object Unique responsibility, collection of capabilities Business separable organization unit Handles ever relevant occurrence – “complete” End-to-end lifecycle Service • Single activity in a business function • Distinct purpose • Fails the sub-domain test Service Operations & Components • • • • www.sungard.com Utility / tool No independent business value Inherently re-useable Loosely coupled to business actions
  • 7. SunGard’s service identification approach BIAN Sungard Business Area Existing assets Business Domain Business Functions Service Domain Responsibility Service Groups Capabilities Service operations www.sungard.com Service Repository
  • 8. Putting it all together with BIAN www.sungard.com
  • 9. The BIAN Service Landscape Reference Data Sales & Service Party Channel Specific Marketing Party Data Management Party Profile Call Center Management Branch Network Mgmt E-Branch Management PBX Management ATM Network Management Call Center Operations Branch Network Operations E-Branch Operations PBX Operations ATM Network Operations Branch Currency Management Branch Currency Distribution Product Inventory Item Mgmt Product Inventory Distribution Business Development Policies Business Development Brand Management Advertising Promotional Events Prospect Campaign Mgmt Prospect Campaign Design Customer Campaign Mgmt Customer Campaign Design Customer Surveys External Agency Credit Agency Service Agmt Syndicate Management Correspondent Bank Rel Mgmt Correspondent Bank Data Mgmt Sub Custodian Agreement Product Service Agency Product Broker Agreement Contractor/Supplier Agreement Market Data Market Feed Administration Market Feed Operation Market Information Mgmt Financial Market Analysis Financial Market Research Quantitative Analysis Market Data Dissemination Adm Market Data Dissemination Ops Financial Instrument Maint. Counterparty Administration Credit Agency Service Ops Reference/Directory Mgmt Product Management Product Design Product Combination Product Deployment Product Training Product Quality Assurance Product Pricing Facility Cross Channel Servicing Position Servicing Event History Servicing Activity Analysis Contact Routing Contact Dialogue Interactive Help Sales Prospect Campaign Execution Prospect Management Customer Campaign Execution Offer Management Sales Planning Underwriting Commission Agreement Commission Transaction Product Matching Product Expert Sales Support Customer Mgmt Customer Relationship Mgmt Customer Agreement Customer Product Coverage Customer Behavioral Insights Customer Credit Rating Account Recovery Customer Event History Operations & Execution Consumer Products Financial Markets Corporate Products Consumer Loans & Deposits Investment Management Trade Finance Secured Loans Unsecured Loans Consumer Finance Current Account Deposit Account Investment Portfolio Planning Investment Portfolio Analysis Investment Portfolio Mgmt eTrading Cards Card Facility Card Authorization Card Capture Card Billing & Payments Merchant Relations Consumer Services Trust Services Remittance Services Currency Exchange Bank Drafts & T Checks Brokered Product Consumer Investments Trading Book Oversight Dealer Workbench Market Making Assisted Trading Program Trading Market Trading Order Management Market Operations Mutual Fund Administration Hedge Fund Administration Unit Trust Administration Order Allocation Clearing & Settlement Securities Fails Processing Trade/Price Reporting Custody Administration Customer Entitlement Admin. Securities Valuation Corporate Banking Products Corporate Credit Facility Corporate Loan Cash Mgmt & Account Svs Cheque Lock Box Corporate Financing & Advisory Services Corporate Finance Services M&A Advisory Services Corporate Tax Advisory Svs Public Offering Private Placement Treasury Management Treasury Administration Asset Securitization Factoring Asset & Liability Management Bank Portfolio Analysis Bank Portfolio Administration Stock Lending/Repos Models Market Risk Models Valuation Models Gap Analysis Credit Risk Models Liquidity Risk Models Economic Capital Business Risk Models Customer Behavior Models Fraud Models Credit/Margin Policies Production Risk Models Operational Risk Models Segment Plan Product Portfolio Customer Portfolio Branch Portfolio Channel Portfolio Competitor Analysis Market Research Market Analysis Account Management Operational Services Payments Execution Wire Room Cheque Processing Cash/Currency Inventory Cash Account Record Reward Points Account Accounts Receivable Account Reconciliation Counterparty Risk Position Management Fraud Detection Transaction Engine Card Issuance Billing Services Rewards Points Administration Consolidated Customer Activity Collateral Administration Bank Portfolio & Treasury Business Planning Payments Collateral Management Collateral Asset Administration Collections www.sungard.com Area Business Wholesale Trading Letter of Credit Bank Guarantee Trade Finance Services Cross Product Operations Servicing Servicing Issue Case Management Case Resolution Analysis Customer Case Card Case Analytics Business Domain Business Support IT Management Finance IT Policies & Plan IT Arch Stds & Guidelines Systems Administration Development Environment System Development Production Release System Deployment Systems Operations Platform Operations Systems Help Desk Systems Assurance Internal Network Operations Financial Statements Financial Control Financial Compliance Resolution Tax Administration Non IT and HR Enterprise Services Legal Assurance Internal Audit Security Services Security Assurance Supplier Management Procurement Company Billing & Payments Fixed Asset Register Buildings, Equipment and Facilities Property Portfolio Site Operations Site Administration Equipment Administration Equipment Maintenance Utilities Administration Building Maintenance Regulations & Compliance Business Command & Control Guideline Compliance Regulatory Compliance Compliance Reporting Fraud/AML Resolution Financial Accounting Organizational Model Business Unit Budget Business Unit Financial Analysis Business Unit Financial Ops Business Unit Accounting Business Unit Management Business Unit Operations Human Resource Management HR Policies & Plan Employee Assignment Employee Record Employee/Contractor Contract Employee Certification Employee Assessment Employee Payroll & Incentives Travel & Expenses Employee Access Profile Employee Benefits Workforce Training Recruitment Knowledge & IP Management Management Manual Intellectual Property Portfolio Knowledge Exchange Corporate Relations Corporate Communications Corporate Alliance/Stakeholder Corporate Relationship Regulatory & Legal Authority Investor Relations Business Direction Corporate Strategy Corporate Policies Product & Service Policies Business Architecture Continuity Planning Document Mgmt & Archive Document Services Archive Services Correspondence Service Domain 9
  • 10. SODA Methodology & Vocabulary SODA methodology: Defines the process and the necessary templates required for Service-Oriented Discovery and Analysis. SODA Vocabulary: Defines the vocabularies within the unify language that will be used as a basis for semantic interoperability of EBS 3. Related documents: 1. BIAN Service Discovery Meta-model • Defines the process and the principles for service discovery and modeling. www.sungard.com
  • 11. Service Landscape Service Landscape: Illustrates how the business is modeled, and the SL will be the main functional reference model for the EBS 3 project. Related documents: 1. Business Areas Definitions • Defines the role of each of the Business Area in the Service Landscape, also the business functions, products or activities that are not covered by the business area. 2. Business Domains Definitions • Defines the business specialty that each Domain is focusing on, within the Business Area. www.sungard.com
  • 12. Business Objects Definitions Business Objects: Represents the entities in the business domain that the program is designed to support. For example, an order entry program might have business objects to represent each order, line items, and invoices. Business Objects are not necessary a physical object in the real world. Business Objects Definitions: This definition specifies the structure and organization of the business object's attributes, values, and metadata. View Objects: The view object made up of one or more entity objects. Entity Objects: The entity object is similar to a table. Focus Objects: The object to be used in the subject of discussion or conversation. In this case, it refers to the object to be used in the sub-domain level definition. Semantic: The business object definitions has to follow the SODA vocabulary, to ensure interoperability. www.sungard.com
  • 13. Business Scenarios Business scenarios are an important technique to derive the characteristics of the architecture directly from the high-level requirements of the business. They are used to help identify and understand business needs, and thereby to derive the business requirements that the architecture development has to address. A business scenario describes: 1. A business process, application, or set of applications that can be enabled by the architecture 2. The business and technology environment 3. The people and computing components (called "actors") who execute the scenario 4. The desired outcome of proper execution www.sungard.com
  • 14. All Combine to give us Ambit Core Banking SL BIAN ARCH CBS 9.x www.sungard.com
  • 15. Ambit Core Banking: Reference Architecture Simple BIAN Business Scenario Scenario: The customer makes a transfer payment from their current account to a savings account Current Account Customer Agreement Product Design Customer Account Payments Execution Deposit Account Fraud Detection Correspondence Capture transfer request details Is transfer to facility allowed? Customer initiates payment transfer (from any channel) The target facility is checked for any payment restrictions/rules (minimum/maximum) The current account balance is then checked Funds are available so the transfer fee is levied to the customer and profit posted The transfer initiated with a payment transaction The appropriate payment channel is selected and the transaction tested for fraud/AML purposes The customer current account is debited and the saving deposit account credited Provide facility payment rules Check current balance Provide current a/c statement Check transfer terms Provide facility details and terms Charge service fee Post charge to current a/c Book service charge Post fee to P&L a/c Initiate transfer Capture payment & mechanism (inter a/c) Invoke fraud/AML test Execute fraud/AML transfer test Debit customer a/c Process debit Credit customer savings a/c Post transfer debit to current a/c Process credit Post transfer credit to deposit a/c A transaction notification message is generated for the customer Initiate notification Generate transfer notification message The BIAN Service Landscape Reference Data Sales & Service Party Channel Specific Marketing Party Data Management Party Profile Call Center Management Branch Network Mgmt E-Branch Management PBX Management ATM Network Management Call Center Operations Branch Network Operations E-Branch Operations PBX Operations ATM Network Operations Branch Currency Management Branch Currency Distribution Product Inventory Item Mgmt Product Inventory Distribution Business Development Policies Business Development Brand Management Advertising Promotional Events Prospect Campaign Mgmt Prospect Campaign Design Customer Campaign Mgmt Customer Campaign Design Customer Surveys External Agency Credit Agency Service Agmt Syndicate Management Correspondent Bank Rel Mgmt Correspondent Bank Data Mgmt Sub Custodian Agreement Product Service Agency Product Broker Agreement Contractor/Supplier Agreement Market Data Market Feed Administration Market Feed Operation Market Information Mgmt Financial Market Analysis Financial Market Research Quantitative Analysis Market Data Dissemination Adm Market Data Dissemination Ops Financial Instrument Maint. Counterparty Administration Credit Agency Service Ops Reference/Directory Mgmt Cross Channel Servicing Position Servicing Event History Servicing Activity Analysis Contact Routing Contact Dialogue Interactive Help Operations & Execution Consumer Products Investment Portfolio Planning Investment Portfolio Analysis Investment Portfolio Mgmt eTrading Wholesale Trading Cards Sales Trading Book Oversight Dealer Workbench Market Making Assisted Trading Program Trading Market Trading Order Management Card Facility Card Authorization Card Capture Card Billing & Payments Merchant Relations Prospect Campaign Execution Prospect Management Customer Campaign Execution Offer Management Sales Planning Underwriting Commission Agreement Commission Transaction Product Matching Product Expert Sales Support Consumer Services Trust Services Remittance Services Currency Exchange Bank Drafts & T Checks Brokered Product Consumer Investments Customer Mgmt Product Design Product Combination Product Deployment Product Training Product Quality Assurance Product Pricing Facility Investment Management Secured Loans Unsecured Loans Consumer Finance Current Account Deposit Account Customer Relationship Mgmt Customer Agreement Customer Product Coverage Customer Behavioral Insights Customer Credit Rating Account Recovery Customer Event History Product Management Financial Markets Consumer Loans & Deposits Market Operations Mutual Fund Administration Hedge Fund Administration Unit Trust Administration Order Allocation Clearing & Settlement Securities Fails Processing Trade/Price Reporting Custody Administration Customer Entitlement Admin. Securities Valuation Analytics Corporate Banking Products Corporate Credit Facility Corporate Loan Cash Mgmt & Account Svs Cheque Lock Box Corporate Finance Services M&A Advisory Services Corporate Tax Advisory Svs Public Offering Private Placement Business Domain Focus Object The focus object URL URL URL ID URL ID Result - - URL ID Result - - URL - - URL - - URL - - URL Make payments corresponding to standing orders Update the tax accumulated positions for the account Identify a customer account matching given details Payment Execution Process Payments for Standing Orders Payment execution NA NA NA NA NA NA Assemble and respond to a read account request NA NA NA Read Account NA NA NA Read Account Report NA NA NA C C C C Assemble a report covering many customer accounts Notify subscribers on the event of an account change Query Account A service used to identify/query a customer account A service used to read a customer account A service to read a report covering customer accounts ID Execute Standing Orders Maintain account tax position Query Customer Account Read Customer Account Get Customer Account Report Notify Account Update D ID Post fees to the account Post charges ReferenceReference Customer Account ID Determine and apply fees to the current account ID D Calculate and apply fees ID Report on account ID Payment request Get account statement for the day Reference Make a transfer Customer Account C www.sungard.com - Withdrawal to account NA Payment Execution D Report & Notify - Result Process Transfer - - ID Process Payment NA Age NA NA Make a withdrawal Make an inter-account transfer Get the account activity and calculate and apply end of day interest ID NA Customer Account Report NA Capture and verify a payment request Transfer payment Calculate daily interest ID Capture and verify a withdrawal request A service used to make a deposit to the account A service used to make a payment from the account A service used to make a transfer from the account - - ID Process Deposit Age NA Report NA View NA Session Caller ID Caller ID Control Date Date Status Active Active NA Capture and verify a deposit request Postcondi tions Create customer account NA Precondi tions Analysis Set up a new account NA Depiction Address Address Customer Account URL Output Parameters Identifiers Arrange for the set-up of a supporting customer account for the facility Check history to see if a similar application has been processed/rejected ID Create Focus Object D Maintain & Analyze Corporate Strategy Corporate Policies Product & Service Policies Business Architecture Continuity Planning Document Mgmt & Archive Reference Object(s) Reference Objects Amount Amount Amount NA ID NA Description Age NA Service Operation A service used to set up a new instance A service used to set up a new instance Report The primary activity setting up a new record Check and extract amount from the balance Service Operation Name ID Debit the account Create Focus Object Age Age D NA Report C M/C Delegated Service Operation NA View C Delegated Service Description NA Session Caller ID Caller ID Control Date Date Status Active Active C Delegated Service Domain The primary activity setting up a new record Responsibility Description Analysis D Business Direction Service Domain Depiction Address Address M/C Process New Record Request Process New Record Request Request customer account Check for possible duplicates Process Deposit Request Process Withdrawal Request Process Transfer Request Knowledge & IP Management Management Manual Intellectual Property Portfolio Knowledge Exchange Corporate Relations Corporate Communications Corporate Alliance/Stakeholder Corporate Relationship Regulatory & Legal Authority Investor Relations Business Command & Control Identifiers M/C C HR Policies & Plan Employee Assignment Employee Record Employee/Contractor Contract Employee Certification Employee Assessment Employee Payroll & Incentives Travel & Expenses Employee Access Profile Employee Benefits Workforce Training Recruitment Organizational Model Business Unit Budget Business Unit Financial Analysis Business Unit Financial Ops Business Unit Accounting Business Unit Management Business Unit Operations Input Parameters Capability/ Responsibility Name Delegation Human Resource Management Document Services Archive Services Correspondence An outline of the business role taken from the V1.5 definition, expanded as necessary Invocation & Execution Property Portfolio Site Operations Site Administration Equipment Administration Equipment Maintenance Utilities Administration Building Maintenance Regulations & Compliance Card Issuance Billing Services Rewards Points Administration Consolidated Customer Activity Service Domain Name Description Initialize & Register Buildings, Equipment and Facilities Guideline Compliance Regulatory Compliance Compliance Reporting Fraud/AML Resolution Financial Accounting Operational Services Cash Account Record Reward Points Account Accounts Receivable Account Reconciliation Counterparty Risk Position Management Fraud Detection Transaction Engine Business Area Non IT and HR Enterprise Services Segment Plan Product Portfolio Customer Portfolio Branch Portfolio Channel Portfolio Competitor Analysis Market Research Market Analysis Account Management Finance Financial Statements Financial Control Financial Compliance Resolution Tax Administration Legal Assurance Internal Audit Security Services Security Assurance Supplier Management Procurement Company Billing & Payments Fixed Asset Register Business Planning Payments Collateral Administration Responsibility Category Models Market Risk Models Valuation Models Gap Analysis Credit Risk Models Liquidity Risk Models Economic Capital Business Risk Models Customer Behavior Models Fraud Models Credit/Margin Policies Production Risk Models Operational Risk Models Corporate Financing & Advisory Services Payments Execution Wire Room Cheque Processing Cash/Currency Inventory Collateral Management Collateral Asset Administration Collections IT Management IT Policies & Plan IT Arch Stds & Guidelines Systems Administration Development Environment System Development Production Release System Deployment Systems Operations Platform Operations Systems Help Desk Systems Assurance Internal Network Operations Treasury Management Treasury Administration Asset Securitization Factoring Asset & Liability Management Bank Portfolio Analysis Bank Portfolio Administration Stock Lending/Repos Trade Finance Letter of Credit Bank Guarantee Trade Finance Services Cross Product Operations Servicing Servicing Issue Case Management Case Resolution Analysis Customer Case Card Case Business Support Bank Portfolio & Treasury Corporate Products
  • 16. Agenda  SunGard  IBM (BIAN - IFW)  Microsoft  ING - Infosys  SAP (2x)  Scotiabank  Singapore Management University 16 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 17. BIAN Core Team Meeting – IBM La Gaude, June 2013 Using IFW Models for Overall Application Development The Issue Understand and Scope FSDM FSFM FSWM CBPs FS-BOM Specify and Design BSTs BDWM FS-IDM CBP’s Expanded Construct The Solution © 2013 International Business Machines Corporation 17
  • 18. BIAN Core Team Meeting – IBM La Gaude, June 2013 Positioning: IFW & BIAN Service Landscape IFW Foundation Models overlaps with BIAN Service Landscape in scope. FSDM & FSWM define the vocabulary (nouns & verbs respectively). FSFM defines the functional decomposition. Process & Integration Models and Data Models are not only complimentary, but essential to implementing BIAN Service Landscape. © 2013 International Business Machines Corporation IFW FOUNDATION MODELS FSDM FSFM FSWM IFW DATA MODELS IFW PROCESS & INTEGRATION MODELS BDWM PROCESS MODELS BSTs FS-BOM WCC FS-IDM 18
  • 19. BIAN Core Team Meeting – IBM La Gaude, June 2013 IFW FOUNDATION MODELS FSDM FSFM FSWM IFW DATA MODELS IFW PROCESS & SERVICE MODELS BDWM APM BSTs BOM ASTs IFW Foundational Models overlap with BIAN Service Landscape IDM IFW Process & Service Models complement BIAN Service Landscape IT Implementations conforming to BIAN Service Domains © 2013 International Business Machines Corporation 19
  • 20. BIAN Core Team Meeting – IBM La Gaude, June 2013 Positioning: IFW Process Models & BIAN Service Landscape For a given BIAN Service Operation, APM provides the detailed activity flow model that describes the high level service behavior. IFW FOUNDATION MODELS FSDM FSFM FSWM IFW DATA MODELS The activity flow model includes the activities that are performed when the service is executed as well as the control flow and data flow defined over the set of activities © 2013 International Business Machines Corporation IFW PROCESS & INTEGRATION MODELS BDWM PROCESS MODEL BSTs FS-BOM WCC FS-IDM 20
  • 21. BIAN Core Team Meeting – IBM La Gaude, June 2013 Positioning: IFW BOM & BIAN Service Landscape BOM provides the detailed structural definition in the form of class diagrams for the Focal Object in Service Landscape. IFW FOUNDATION MODELS FSDM FSFM FSWM IFW DATA MODELS Note that the Focal Object defines the context for the BIAN Service Operations. BOM also describes the set of services signatures, in the form of use cases, for the set of automatable activities defined in the APM © 2013 International Business Machines Corporation IFW PROCESS & INTEGRATION MODELS BDWM PROCESS MODELS BSTs FS-BOM WCC FS-IDM 21
  • 22. BIAN Core Team Meeting – IBM La Gaude, June 2013 Positioning: IFW IDM & BIAN Service Landscape IDM provides the detailed specifications for the participating IT services defined in the BOM. IFW FOUNDATION MODELS FSDM BIAN Service Operations help define the boundary of business components in the business architecture whereas the IDM services define the interfaces of IT components in an SOA solution. FSFM FSWM IFW DATA MODELS IFW PROCESS & INTEGRATION MODELS BDWM PROCESS MODELS BSTs FS-BOM WCC FS-IDM IDM provides a sequence diagram for composite services helping to identify the constituent atomic services and their sequencing. © 2013 International Business Machines Corporation 22
  • 23. Agenda  SunGard  IBM (BIAN - IFW)  Microsoft  ING - Infosys  SAP (2x)  Scotiabank  Singapore Management University 23 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 24. Microsoft and BIAN 24 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 25. Microsoft and BIAN 25 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 26. Microsoft and BIAN 26 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 27. Agenda  SunGard  IBM (BIAN - IFW)  Microsoft  ING - Infosys  SAP (2x)  Scotiabank  Singapore Management University 27 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 28. Based on a Proof of Concept end 2011 ING – INFOSYS CASE STUDY 28 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 29. Scenario: Selection Infosys and ING jointly agreed to carry out a pilot implementation of a BIAN use-case to  Manage fund transfer from Current A/C to Saving A/C The delivery of this pilot has been done according to the agreed acceptance criteria (see appendix) This particular scenario was chosen because:  It is simple to be delivered within the timeline  It is implementable in the near future in the ING Express program  It covers a number of business domains defined in BIAN and hence the pilot can showcase BIAN coverage The scenario is implementable in ING, and it is comprehensive enough to showcase BIAN coverage but is still simple enough to meet the timeline Copyright BIAN 2013 | Banking Industry Architecture Network
  • 30. Approach Scope • Internal payment transfer was selected as the business use case • As process needed to be generic, the actual implementation might need rearrangement of orchestration as per requirement ING • Requirement Analysis was carried out • Multiple sessions conducted with ING architects/business analysts to gather and validate the requirements BIAN • BIAN documentations relevant to the usecase were analysed • Gaps between BIAN and ING use case were identified (Service Operations) Mapping ING Requirements to BIAN • Identified the BIAN service domains needed to fulfil the business use case. • Conducted iterative demos for continuous feedback and revision mechanism from ING and BIAN architects. Service Design • Pilot needed to keep service operation definitions as generic and reusable as possible (BIAN L3 still in work in progress state) • Use standard format (ISO20022) and minimize message translation Implementation • Use simple set of SOA/TIBCO products to achieve timeline and also to have wider acceptance • Use ING Lab to test & deploy the pilot Copyright BIAN 2013 | Banking Industry Architecture Network
  • 31. Payments Use Case – Payments Part 1 Scenario: The customer makes a transfer payment from their current account to a second account and then then wires a remittance to an overseas account Current Account Customer Agreement Customer at the teller makes a funds transfer 4 1 Account balance checked for funds 5 Inter account transfer initiated 9 2 Payments Execution 6 Account balance provided Remittance Services Correspondent Bank Wire Room Customer at the branch asks to transfer funds between two active accounts. The balance availability is checked and an internal transfer initiated Payment Execution transfers the balance between the two accounts and post the fee to the product P&L account 7 10 13 Creditor account debited amount + fee 16 Beneficiary account credited 19 Customer next makes 21 a remittance Fraud Detection 3 Agreement terms checked for pricing 8 Customer Account Fees booked to product account 14 Transfer executed 11 12 Creditor account debited (includes fees) Beneficiary account 15 Fees booked to 18 17 updated 20 product P&L account 22 Cross border details captured 23 Corresponded Bank SSI’s obtained 24 25 Payment parties and mechanism defined International payment 28 transaction initiated 27 29 Transaction checked for possible fraud 30 Transfer executed 34 Creditor account 35 33 36 Creditor account debited amount + fee 39 Correspondent Vostro/Nostro posted transfer 42 Fees booked to product account 26 31 Fraud scanners run 32 37 debited (includes fees) Vostro/Nostro account 38 40 updated Fees booked to 41 Payment S.W.I.F.T. message generated 44 43 product P&L account Copyright BIAN 2013 | Banking Industry Architecture Network 45 Payment S.W.I.F.T. message generated 46 31 The customer wants to continue by remitting funds to an overseas account. The customer balance is sufficient and the identification has already been satisfied. A remittance product is initiated and the creditor/payee accounts captured. The appropriate correspondent banks and their SSIs, obtained. As the transaction is executed, fraud scanners are invoked and the SWIFT payment message generated
  • 32. Payments Use Case – Payments Part 2 Scenario: A customer check is processed and the customer account credited. Then a payment is made under an existing Direct Debit mandate Check Processing Batch of paper checks 47 read for execution Payment Execution Current Account Customer Account Correspond ence Customer Agreement Direct Debit Wire Room A batch of checks is processed for deposits to current customers For each the status of the account is checked before an internal transfer moves the funds from the ACH account to the customer account. 48 Payment deposit initiated for customer 49 Status of current Account checked 50 Account credited 53 54 ACH account debited 56 57 51 52 Account active Payment deposited 55 ACH balance debited 58 for deposited payment Receive DD payment request 59 60 DD payment matched 61 to customer, agreement checked 64 Customer account balanced checked Provide current Account balance Transfer executed 70 71 72 Customer account debited (includes fee) Direct Debit fee posted 77 ACH based payment Pending debit posted 80 ACH DD payment made 83 67 65 Initiate funds transfer 66 A Direct debit request is received and routed for processing, the mandate is found and the corresponding customer agreement checked for direct debit processing. the balanced is checked before a debit payment is initiated, 62 Mandate covered under agreement 63 69 68 73 Unscheduled account 74 withdrawal 75 Debit posted to the account 76 Fees booked to product account 79 ACH account debit posted 82 The payment is made to the vendors account through an ACH payment 78 81 84 Copyright BIAN 2013 | Banking Industry Architecture Network ACH payment message generated 85 32
  • 33. How identified services mapped to BIAN service landscape Referenc e Data Sales and Service Consumer Products Operation & Execution Corporat Financial Cross Products e Market Operations Products Analytic s Business Support Customer Management Consumer Loans and Deposits Payments IT Management Customer Agreement Current Account Payment Execution System Assurance Deposit Account Account Management Document Mgmt & Archive Customer Account Correspondenc e Fraud Detection The services identified are mapped across multiple Business & Service domains in BIAN Service Landscape Copyright BIAN 2013 | Banking Industry Architecture Network
  • 34. Involved Service Domains Operations & Execution Reference Data Sales & Service Party Party Data Management Party Profile External Agency Credit Agency Service Sub. Syndicate Management Correspondent Bank Sub Custodian Product Broker Product Service Agency Contractor/Supplier Agreement Market Data Market Feed Administration Market Feed Operation Market Information Management Credit Agency Svs.Operations Financial Market Analysis Financial Market Research Quantitative Analysis Market Data Dissemination Admin Market Data Dissemination Ops Financial Instrument Maint. Reference/Directory Management Counterparty Administration Product Management Product Design Product Combination Product Deployment Product Training Product Quality Assurance Product Pricing Facility Channel Specific Channel Management Channel Operations Branch Currency Distribution Distribution Operations eTrading Product Inventory Item Mgmt Product Inventory Distribution Cross Channel Servicing Position Servicing Activity Analysis Contact Routing Contact Dialogue Interactive Help Marketing Business Development Policies Business Development Brand Management Advertising Promotional Events Prospect Campaign Portfolio Prospect Campaign Design Prospect Campaign Execution Customer Campaign Portfolio Customer Campaign Design Customer Campaign Execution Prospect Management Customer Surveys Consumer Products Financial Markets Corporate Products Cross Product Operations Consumer Loans & Deposits Investment Management Trade Finance Payments Secured Loans Unsecured Loans Consumer Finance Current Account Deposit Account Investment Portfolio Planning Investment Portfolio Analysis Investment Portfolio Mgmt Cards Card Facility Card Authorization Card Capture Merchant Relations Consumer Services Trust Services Remittance Services Currency Exchange Brokered Product Consumer Investments Bank Drafts & T Checks Trading Trading Book Oversight Dealer Workbench Market Making Assisted Trading Program Trading Market Trading Order Management Market Operations Mutual Fund Administration Hedge Fund Administration Unit Trust Administration Order Allocation Clearing & Settlement Securities Fails Processing Trade/Price Reporting Custody Administration Customer Entitlement Admin. Securities Valuation Letter of Credit Bank Guarantee Trade Finance Services Corporate Banking Products Corporate Credit Facility Corporate Loan Cash Mgmt & Accounting Svs Cheque Lock Box Corporate Financing & Advisory Services Taxation Services Corporate Finance Services M&A Advisory Services Corporate Tax Advisory Svs Public Offering Private Placement Payments Execution Check Processing Cash/Currency Inventory Wire Room Collateral Administration Collateral Management Collateral Asset Administration Collections Account Management Customer Account Position Management Accounts Receivable Account Reconciliation Fraud Detection Rewards Points Account Transaction Engine Operational Services Card Issuance Consolidated Customer Activity Rewards Points Agreement Billing Services Sales Offer Management Underwriting Commission Agreement Commission Transaction Product Matching Sales Planning Product Expert Sales Support Analytics Bank Portfolio & Treasury Treasury Management Treasury Administration Asset Securitization Factoring Stock Lending/Repos Asset & Liability Committee Bank Portfolio Analysis Bank Portfolio Administration Models Market Models Gap Analysis Credit Risk Liquidity Risk Economic Capital Business Risk Cust. Behavior Model Portfolio Customer Behavior Model Credit/Margin Policies Production Risk Models Operational Risk Models Fraud Models Fraud Detection Business Planning Segment Plan Segment Assessment Product Portfolio Customer Portfolio Branch Portfolio Channel Portfolio Competitor Analysis Market Research Market Analysis Customer Mgmt Regulations & Compliance Customer Relationship Plan Customer Agreement Customer Product Coverage Customer Event History Customer Behavioral Insights Customer Credit Rating Account Recovery Guideline Compliance Regulatory Compliance Compliance Reporting Fraud/AML Resolution Financial Accounting Servicing Servicing Issue Case Management Case Resolution Analysis Customer Case Card Case Copyright BIAN 2013 | Banking Industry Architecture Network Business Support IT Management Systems Administration IT Policies & Plan IT Arch Stds & Guidelines Development Environment System Development Production Release System Deployment Systems Operations Platform Operations Systems Help Desk Systems Assurance Internal Network Operations Non IT and HR Enterprise Services Legal Assurance Internal Audit Supplier Management Procurement Company Billing & Payments Fixed Asset Register Buildings, Equipment and Facilities Property Portfolio Site Operations Site Administration Equipment Administration Equipment Maintenance Utilities Administration Maintenance Finance Financial Statements Financial Control Financial Compliance Resolution Tax Administration Business Command & Control Organizational Model Business Unit Budget Business Unit Financial Analysis Business Unit Financial Ops Business Unit Accounting Business Unit Operations Business Unit Administration Human Resource Management HR Policies & Plan Employee Assignment Employee Record Employee/Contractor Contract Employee Certification Employee Assessment Employee Payroll & Incentives Travel & Expenses Employee Access Profile Employee Benefits Workforce Training Recruitment Knowledge & IP Management Management Manual Intellectual Property Portfolio Knowledge Exchange Corporate Relations Corporate Communications Corporate Alliance/Stakeholder Corporate Relationship Regulatory & Legal Authority Investor Relations Business Direction Corporate Strategy Corporate Policies Product & Service Policies Business Architecture Continuity Planning Document Mgmt & Archive Document Services Archive Services Correspondence
  • 35. Key Achievements – Leveraging BIAN Service Landscape Able to narrow down on the actual business process in a short duration of time Able to define a common process that was acceptable to both ING Belgium and Netherlands The design was completed in a short period The services components built are easily reusable in other ING projects BIAN provides standard uses cases that can be used as starting points The standard uses cases provided by BIAN helps when discussing with SMEs BIAN provides the service landscape view that greatly helps in reducing design effort BIAN encapsulates capabilities within services to facilitate reusability Copyright BIAN 2013 | Banking Industry Architecture Network
  • 36. Conclusion BIAN Service landscape is a step forward for common understanding across banks and has the potential to open-up the banking service landscape in a standardized way. Copyright BIAN 2013 | Banking Industry Architecture Network
  • 37. Agenda  SunGard  IBM (BIAN - IFW)  Microsoft  ING - Infosys  SAP (2x)  Scotiabank  Singapore Management University 37 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 38. Based on a BIAN – SAP Webinar Summer 2011 SAP CASE STUDY 38 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 39. 39 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 40. 40 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 41. 41 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 42. 42 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 43. Agenda  SunGard  IBM (BIAN -IFW)  Microsoft  ING - Infosys  SAP  Scotiabank  Singapore Management University 43 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 44. Project “One Voice Banking” Future setup for higher value and scalability along the SAP value chain Solutions Business Model Industry Value Map Biz Networks & Value Chains 1 Business Process Models E2E Solution Implementation 2 1. HARMONIZE: Solutions and Business processes 2. STANDARDIZE: services and service domains Service Landscape Models 3 1:n Message Flow Models 4 SAP Product Architecture Non SAP Product Models 3. CONNECT: Business and IT 4. INTEGRATE: SAP and non SAP Products © 2013 SAP AG. All rights reserved. 44
  • 45. Central Content Management in PowerDesigner Seamless navigation from value positioning to realization along the SAP Value Chain Industry Value Map Reduce costs and increase quality E2E Solution Answer more questions faster Business Process Models Service Landscape Models Message Flow Models Harmonized tool for consistency and scalability © 2013 SAP AG. All rights reserved. SAP Architecture Models 45
  • 46. © 2013 SAP AG. All rights reserved. 46
  • 47. © 2013 SAP AG. All rights reserved. 47
  • 48. © 2013 SAP AG. All rights reserved. 48
  • 49. Agenda  SunGard  IBM (BIAN - IFW)  Microsoft  ING - Infosys  SAP  Scotiabank  Singapore Management University 49 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 50. Scotiabank Scotiabank’s usage of BIAN Service Landscape as a functional classification scheme for SOA Services Scotiabank has set up a repository for storing metadata of SOA services and the BIAN Service Landscape has been configured to be the main functional classification scheme in the repository (refer to Figure 30 below). The benefit is that an open and comprehensive standard is leveraged so that services can be classified consistently. Without the BIAN Service Landscape, the bank would have to resort to either creating our own proprietary classification scheme or using a vendor provided scheme. The natural consequence of classifying services consistently is to enable the ability to analyze gaps and overlaps as more and more services are developed. 50 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 51. Agenda  SunGard  IBM (BIAN - IFW)  Microsoft  ING - Infosys  SAP  Scotiabank  Singapore Management University 51 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 52. SINGAPORE MANAGEMENT UNIVERSITY CASE STUDY 52 Copyright BIAN 2013 | Banking Industry Architecture Network
  • 53. SMU Bank The implementation of a banking enterprise architecture, as an evolving platform for learning Developed and Managed by The School of Information Systems Singapore Management University Presented by: Alan Megargel, Senior Lecturer of Information Systems
  • 54. SMU Bank • SMU as embarked on a multiyear programme entitled “SMU Bank for Financial Services Education”, referred to as “SMU Bank“. • Starting from a clean sheet, we are building a “teaching bank” from the ground up, using today’s architecture best practices. “The mission of SMU Bank is to become a world class ‘teaching bank’, generating an on-going supply of undergrad and postgrad student projects whereby classroom learning outcomes can be put into practice, leveraging industry leading banking software and enterprise platforms.” 54
  • 55. SMU Bank Guiding Principles 1. SMU Bank shall exist for academic purposes only, to support banking related coursework, labs, and student projects. 2. SMU Bank shall align to, and inform, SMU’s Unified Banking Process Framework. 3. SMU Bank shall be assembled using a mixture of vendor products, in order to demonstrate real world change scenarios: – – A core banking system replacement A bank merger, whereby multiple vendor products need to coexist 4. SMU Bank shall be a platform for collaboration with banks and product vendors, for incubating new innovations. 55
  • 56. SMU Bank Conceptual Model Banking apps to be developed through student projects Existing platforms available at SMU can be integrated into a teaching bank Internet Banking Mobile Banking Teller Payment Gateway Core Banking System A Core Banking System B Algorithmic Trading System Content Management System (Flexcube) 56
  • 57. SMU Bank Architecture Layers Channels • Solution Architecture specified by postgrad students • Prototypes developed by undergrad students • Consume services via the ESB using SMU Bank standard data semantics and WS-* standards • Used to support hands-on labs for both undergrad and postgrad course modules 57
  • 58. Thank You! 58 Copyright BIAN 2013 | Banking Industry Architecture Network

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