This document discusses a case study of a regional community bank that improved business process efficiency using a logical data warehouse from Denodo. The bank used Denodo to aggregate data from multiple cloud and on-premise sources, which it then used to power self-service reports, dashboards, and real-time operations. This improved reporting turnaround times from 2-3 days to 2 hours and allowed loan processing to be done in real-time. Denodo provided a centralized data platform that was flexible enough to easily incorporate new data sources from acquisitions.

1. Data Virtualization for
Accelerated Digital
Transformation in Banking
and Finance
Chris Day
Director, APAC Sales Engineering
cday@denodo.com
FUTURE OF
FINANCIAL
SERVICES, SYDNEY
4 – 6 NOVEMBER 2020

2. 3
Bank of the West COVID-19 Case Study
• Founded in 1874 as “Farmers National Gold Bank”
• Currently owned by BNP Paribas
• HQ in San Francisco, CA
• 10,000+ Employees in 23 states with over 600
branches
• $80.7 Billion in Assets Under Management
• Lines of Business include Retail Banking, Personal
Finance, Commercial Banking, and Wealth
Management

3. 4
COVID-19 Case Study
Small Business Administration & US Treasury
• Paycheck Protection Program
• Forgivable Loans for small business
• Backed by US Government
• Keep workforce engaged
• Application through your financial institution
Photo by CDC on Unsplash

4. 5
COVID-19 Case Study – Banking Institution
Applications & Processing
• Predicted ~2000
applications in first weeks
0
500
1000
1500
2000
2500
1 2 3 4
APPLICATIONS
WEEKS
Paycheck Protection Program (PPP) Applications

5. 6
COVID-19 Case Study – Banking Institution
0
5000
10000
15000
20000
25000
1 2 3 4
APPLICATIONS
WEEKS
Paycheck Protection Program (PPP) Applications
Applications & Processing
• Predicted ~2000
applications in first weeks
• Actual
• 9000 first days
• > 20,000 first week

6. 7
Data Virtualization
Banking Institution – Solution!
Solution:
Using Data Virtualization (DV)
• Lenders able to access all data
• Quickly able to add new sources
• Leverage existing systems

7. 8
Banking Institution - Data Management Architecture
Logical Data Warehouse
• Data and query optimization
• Data governance
• Unified security management
• API management platform

8. 9
A COVID-19 Case Study – Benefits
• Speed
▪ Started at 8am and finished at 6am the next day
• Flexibility
▪ Problem: business requirements changed in real time as they dealt with the exploding
volume of applications
▪ IT was able to respond in real time as the business requested new data sources be
added to help categorize the applications
• Agility and Time to Market
▪ This requirement is not possible with Traditional ETL as it would be Slow and not
Flexible
▪ Would have required custom coding & taken weeks if not longer (design,
development, test, redesign as add new source, dev, test, redesign next source, …)
▪ Every additional source would have taken significant effort to redo ETL

9. 10
Finance and Banking Sector Data Challenges
10
• Need for faster, more accurate decision making
▪ Significant increase in business speed & complexity of requirements
→ IT struggles to deliver in a timely fashion
• Ensure business continuity amidst technology evolution
▪ Migration of legacy systems to cloud, modernization of data and
applications
• Increased regulatory risk, data privacy and security
▪ Exponential increase in regulations effecting data across
geographies, departments and industries

10. 11
Are Existing Data Architectures Sufficient?
(JSON)
Cloud Data
(JSON) BI / Reporting
CRM JDBC, ODBC,
(MySQL) ADO .NET
Customer Voice ETL
(Internet,
Mainframe Unstruc) SOA, Middleware,
(Batch Jobs) Enterprise Apps
WS – SOAP
Java API
Billing System Big Data
(Web Service - (Hadoop) Web / Mobile
Rest) WS – REST JSON,
Product Catalog Log files XML, HTML, RSS
(Web Service -SOAP) (.txt/.log files)
Too Complex - Costly to Maintain
Rigid – Difficult to Adapt or Evolve
Can’t Scale – Doesn’t Match Speed of Business

11. 12
The Solution – A Data Abstraction Layer
12
Abstracts access to disparate data
sources
Acts as a single repository (virtual)
Makes data available in
real-time to consumers
DATAABSTRACTION LAYER
“Enterprise architects are finding that
traditional data architectures are failing to
meet new business requirements,
especially around data integration for
streaming analytics and real-time
analytics.”
The Forrester Wave: Enterprise Data Virtualization, Jan 12, 2018

12. 13
Data Virtualization as Abstraction Layer
DATA VIRTUALIZATION
CONNECT COMBINE CONSUME
Share, Deliver,
Publish, Govern,
Collaborate
Discover, Transform,
Prepare, Improve
Quality, Integrate
Normalized
Views of
Disparate Data
Agile Development
Performance
Governance
Resource
Management
Metadata
Monitoring
Scheduler Security

13. Source: Gartner 2018 Data Virtualization Market Guide
Through 2022, 60% of all organizations will
implement data virtualization as one key delivery
style in their data integration architecture.

14. 15
Logical Data Architectures in Practice
15
Logical Data Warehouse - a virtual architectural layer that exists on top of a physical data warehouse and
provides a logical layer for accessing data in EDW and joining it with other enterprise data
• Eliminates need to move
data
• Delivers more current data
• Lower latency
• Structure of data is
delivered at run-time
• Complements physical EDW
• without relocating and
transforming data ahead of
view time.
Data Virtualization

15. 16
Abstracting Data Source Security
• Data Virtualization layer provides
single point of control
• Implement security constraints once
• Integrate with existing authentication
system (e.g. LDAP/AD)
• Single point for monitoring/auditing
• Who, what, when, how, …
• Ensure compliance with corporate
policies

16. Case Study

17. Business Need Solution Benefits
Regional Community Bank Improves Business
Process Efficiency Using the Logical Data
Warehouse
Case Study
This regional bank is headquartered in Florida and is one of the largest community banks with approximately $4
billion in assets and $3.2 billion in deposits. The bank provides integrated financial services, including commercial
and retail banking, wealth management, and mortgage services to customers through advanced banking solutions
▪ Accelerate business operations in loans,
deposits, and other departments through use of
self-service reports and dashboards
▪ Establish a central information delivery platform
to easily add new data sources from acquired
companies
▪ Prior cloud-based data warehouse was
inflexible to accommodate new data sources
▪ Denodo used as the enterprise-wide logical data
warehouse for analytical and operational
purposes
▪ Denodo aggregates data across cloud and on-
premise sources – IBM Unica, FIS, …
▪ Denodo feeds data to Tableau, SAS portals,
mobile devices, etc.
▪ Improved efficiency through self-service for
business users in loans, deposits, fraud, credit,
and risk departments
▪ Reporting turnaround time improved from 2-3
days to 2 hours
▪ Business operations such as loan processing is
handled in real-time

18. 19
Architectural Diagrams
Seacoast

19. 20

20. 22
Summary
22
Data virtualization can provide the foundation
for digital transformation.
Helping Companies:
• Create a sophisticated data service to easily share
data within and across facilities in real-time
• Ensure business continuity amidst technology
evolution
• Enable control and governance for data
management

21. Next steps

22. 24
https://denodo.link/348ghv2

23. 25
Virtual Hands-on Lab
Thursday 26 November 2020
8:30am – 12:00pm
https://denodo.link/2Ftpq87

24. Test Drive
Access Denodo Platform in the Cloud!
Take a Test Drive today!
GET STARTED TODAY
https://denodo.link/2SVq2qe

25. Q&A

26. Thanks!
www.denodo.com info@denodo.com
© Copyright Denodo Technologies. All rights reserved
Unless otherwise specified, no part of this PDF file may be reproduced or utilized in any for or by any means, electronic or mechanical, including photocopying and microfilm,
without prior the written authorization from Denodo Technologies.