Managing the SEPA/ISO 20022 archiving challenge

1. Solution Brief
IBM Analytics Enterprise Content Management
IBM Content
Manager OnDemand
Managing the SEPA/ISO 20022 archiving challenge
The financial services industry is undergoing radical change to identify and
promote interoperable business processes that contain risk, reduce costs
and deliver effective products and solutions. One example of this change is
in the European Union, where the Single Euro Payments Area (SEPA) has
replaced the legacy domestic retail credit transfers and direct debits with
standardized European payments based on XML ISO 20022 messages.
ISO 20022 provides a more efficient way of developing and implementing
messaging standards that financial institutions and clients use to exchange
massive amounts of transactional information. SEPA may be viewed
primarily as a standardization project, but it is important to look beyond
the compliance and standards aspects and leverage SEPA to make treasury
operations more efficient and effective. With improved efficiencies, the
European Commission, Banking and Finance, estimates that the overall
gains expected from SEPA for all stakeholders to be $21.9 billion euros
(about USD $25 billion) per year.1
Highlights
• Optimizes for high volume batch archiving
of XML, Batch PDF, AFP, Line Data and
Check Images
• Allows for rapid increase in archiving
mandatesbasedonISO20022standards
with XML (including SEPA in Europe)
• Providesimprovedcustomerand24x7
self-service access to customer
communications including statements,
bills and correspondence on their personal
devices- laptop, tablets and smartphones
• Eliminates costly print output by capturing,
indexing and archiving communications
to customers without the need to store or
send paper
• Helps quickly resolve inquiries while
improving customer satisfaction and
retention

2. Solution Brief
IBM Analytics Enterprise Content Management
With the introduction of extended dispute settlement periods
and as new and more diverse payment methods become
available, including a multitude of mobile payment services,
financial institutions need to efficiently and securely store
increasing volumes of transactional messages and statements
for longer periods of time. They must also be able to quickly
comply with audit requests and legal holds, all while seeking
to minimize IT and storage costs for this data.
IBM®
Content Manager OnDemand is a highly scalable and
optimized batch archival solution used by thousands of
organizations for data and documents of record. Document
display of XML data can be automatically optimized by
device — mobile, tablet or laptop — all while meeting
accessibility requirements. You are only storing the data,
while display format options are left open to business owners.
XML indexing and archiving
XML Indexing enables you to automatically batch index and
archive XML transactional messages and statements into the
Content Manager OnDemand repository. Documents are
identified and extracted during indexing. Resources are
extracted, and, together with the data, compressed and archived.
Multiple style sheets may be specified to meet device and
accessibility requirements.
XML stylesheet (resource) archiving is critical. Content Manager
OnDemand optimizes the storage of XML data by only storing
a single version of a resource and then associating it with all the
archived documents. Document resources can be automatically
collected and managed.
By storing ISO 20022 SEPA data in Content Manager
OnDemand, financial institutions can meet multiple goals at
once, including:
• All data is securely retained to meet legal, compliance and
operational requirements.
• Data can be reproduced for use by banking systems at
any time.
• Very high compression rates and a highly efficient architecture
minimize storage costs and system footprint, keeping core
banking systems lean.
Content Manager OnDemand is designed to efficiently store
XML and textual mass data. This design provides organizations
with an automated archive that is optimized in terms of systems
and database requirements.
2

3. Solution Brief
IBM Analytics Enterprise Content Management
3
Conclusion
Built on a robust, scalable and security-rich platform, Content
Manager OnDemand software supports new levels of
connectivity and information access. It helps organizations
effectively utilize information and quickly respond to consumer
and marketplace needs without burdening the IT organization
and infrastructure.
IBM regularly releases new versions of Content Manager
OnDemand. Added to a feature and capabilities set that is among
the industry’s leaders are:
• OnDemand Distribution Facility
• XML Indexing
• Enhanced Retention Management (holds)
• Full Text Search
• Broad platform support and exceptional compression
for XML, AFP, line, PDF data, and IBM patented
Why IBM
Enterprise Content Management (ECM) solutions from IBM
help the world’s top companies make better decisions, faster. As a
marketplace leader in content, process and compliance software,
IBM delivers a broad set of mission-critical ECM solutions that
help solve today’s most difficult challenges: managing content,
optimizing business processes and helping satisfy complex
requirements through an integrated information infrastructure.
Content Manager OnDemand is optimized for superior
performance for high volume archival of XML as well as
security-rich online e-presentment of biling data and reports.
For more information
To learn more about IBM Content Manager OnDemand,
contact your IBM Sales Representative or IBM Business
Partner, or visit: ibm.com/software/data/ondemand
The OnDemand User Group (ODUG) is a well-established
group of Content Manager OnDemand customers who share
best practices and communicate features as well as improvements
to IBM management and development teams. To participate in
ODUG, visit: odusergroup.org
For more information on ISO 20022 standard messaging and
SEPA, visit: www.iso20022.org

4. © Copyright IBM Corporation 2015
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January 2015
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1 European Commission, 2014. “Single Euro Payments Area (SEPA).” (http://
ec.europa.eu/finance/payments/sepa/index_en.htm)
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