Gartner EA 2006-12 -..


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  • Need to get more loans through the system, since the margin per loan has gone down. Need a smarter lending application to bring efficiency to the lending process. Efficiency examples. Example. Smarter UI that’s FLEXIBLE so a front office worker talking to the customer doesn’t can spend as little time as possible in the UI, and enter data once and once only in a natural way. Example. Workflow managing where the loan is in the lending process. Lending is very workflow intensive, and if a loan stays in a queue too long, someone needs to know about it.
  • You can’t just walk in and reengineer the lending department. This may be a slide that get’s left out of a customer presentation.
  • Speaker Notes Today, when we build distributed applications, we have a choice of programming models. Each programming model has a different set of APIs, different feature sets, and a different core set of scenarios: ASP.NET Web Services (ASMX) – Our current Web services stack provides basic Web services support and interoperability with Web services running on non-Microsoft platforms. Web Services Enhancements (WSE) – A supported extension to the .NET Framework that provides end-to-end standards-based security for Web services. System.Messaging – This namespace in the .NET Framework provides managed APIs to MSMQ, enabling developers to build asynchronous reliable distributed applications. Enterprise Services – Provided through the System.EnterpriseServices namespace in the .NET Framework, Enterprise Services (or “ES”) provides managed APIs to COM+. COM+ provides component-based programming for doing enterprise critical functionality such as transactions. Remoting – Provided through the System.Remoting namespace in the .NET Framework, .NET Remoting exposes the CLR type system remotely and provides location transparency for objects. While these technologies provide a wide range of functionality, they were all built for specific (different) tasks. This makes it difficult to combine functionality across the technologies. For example, if you started writing a web service today, you might use ASMX for its interoperability. Farther in your development, you might realize that you need rich security, or to flow a transaction. Unfortunately, that functionality lives in other technology spaces. Now, you not only have to learn a new programming model for another technology, you have to make those different technologies work together. <click> That’s where WCF comes in. WCF provides you with a unified programming model that offers all the functionality of existing Microsoft technologies. It doesn’t wrap any of these technologies; instead, WCF was built from the ground up to provide all the functionality you need. With WCF, you no longer need to learn different programming models. You also don’t need to wonder which technology to use when building a connected system – WCF will support your application end to end. Since WCF provides all of the features of these existing Microsoft technologies, WCF supports all of the scenarios currently supported by these technologies. In addition, WCF enables new scenarios that are currently not possible or very hard to implement with existing technologies because WCF allows you to combine functionality across these existing technologies. For example, this means that you’ll be able to achieve secure, reliable, transacted Web services by combining the functionality that previously existed in silos. We’re also working to preserve your existing investments in ASMX, ES, and other existing technologies, which we’ll talk about later in the presentation. Another aspect of productivity is simply writing less code. WCF offers standard implementations of features like security, reliable messaging, and transaction support. Previously, you’d have to roll your own system for each of these, which might take thousands of lines of code and be difficult to maintain. Now, you can simply use an attribute to invoke the WCF standard implementation. Transition : In addition to making you more productive, WCF is designed to enable you to build applications that communicate across platforms. Let’s see how that works.
  • Business Silos can start to be broken down Reduction of duplicate interfaces Increased reuse Support costs can be lowered Existing assets can be leveraged
  • Many other vendors are also implementing WS-* specs in their products. A very busy slide, but illustrates the breadth and depth of industry support for WS-* specs. Data collected from attendance at WS-* Interop Workshops, public demos and/or product datasheets / announcements.
  • Gartner EA 2006-12 -..

    1. 1. Gartner EA Conference / December 7 th , 2006 Authored by Mike Walker Financial Services Architecture Strategist [email_address] •
    2. 2. / Agenda / <ul><li>Microsoft’s Vision for Financial Services </li></ul><ul><li>Business Challenges </li></ul><ul><li>Technical Challenges </li></ul><ul><li>Enterprise Integration </li></ul><ul><li>Financial Services Solution Architectures </li></ul><ul><li>Conclusion </li></ul>
    3. 3. / The analysts have this to say about Microsoft / 1. Tower Group - April 2006 – “.NET vs. J2EE: Does the Future of Service-Oriented Architecture Hang on Myth and Misconception?” 2. AITE Group – February 2006 – “Financial Services Caught in the .NET - Practical Lessons from the Trenches” 3. Celent – February 2006 – “Insurance CIO/CTO Pressures, Priorities, Projects, and Plans 2003-2005 Survey Results” “ .NET leads J2EE in ease, speed, and ( lower ) cost of development. The level of abstraction built into .NET means that programmers work with much larger &quot;blocks&quot; when developing new solutions. IT professionals need to worry less about the low-level details of system programming than they would under a J2EE paradigm.” “ As more firms look at efforts to remove data silos, migrate dated functionality, or to create agile infrastructures, Microsoft’s .NET platform will be a natural choice for many. To date, the biggest growth impediment has been more a combination of large financial services firms, hesitant to run enterprise applications on Wintel platforms, and the historical perception of SQL Server as a second-tier database server. This has changed…” <ul><li>“ Overall, Celent sees the growth of Windows in the insurance industry as a result of several trends: </li></ul><ul><li>The increasing viability and acceptance of Windows as an enterprise platform </li></ul><ul><li>The growth of Services-Oriented Architectures , which reduce the value of technical monocultures </li></ul><ul><li>The increasing maturity of .NET as a development environment </li></ul><ul><li>The growth of .NET-based vendor solutions.” </li></ul>
    4. 4. / Mission Critical Applications in Financial Services / <ul><li>London Stock Exchange – 97,000 terminals receiving real-time Market Data </li></ul><ul><li>SWIFT - Gold Certified </li></ul><ul><li>Central Bank of Spain - High Value Payments </li></ul><ul><li>CheckFree – 1000 tps and 24% less TCO </li></ul><ul><li>Nasdaq – Market Data Service handles 5,000 tps at market open </li></ul><ul><li>70 percent of all new ATMs shipped are Windows-based </li></ul><ul><li>Banco Azteca - 64-bit Platform for Bank’s Core Transactions </li></ul><ul><li>Equifax - move to Windows Datacenter and .NET saved millions </li></ul><ul><li>Citigroup – CitiVision Integrates 270 Different Sources of Information for 12,000+ Global Investment Bankers </li></ul><ul><li>SAP Core Banking Benchmark 8,279,000 postings to bank accounts per hour </li></ul><ul><li>Nationwide (UK) - Basel II Compliance Solution with SQL 2005 consolidating 80 different systems data and storing for 7 years </li></ul><ul><li>Commonwealth Bank of Australia – CommSee Branch of the Future Solution </li></ul><ul><li>SberBank – largest bank in Russia – all applications on SQL 60,000 docs per hour </li></ul><ul><li>Bank of Montreal : 18,000 users on .NET Smart Client for Branch (.NET Framework) </li></ul><ul><li>Merrill Lynch : 1-800-Merrill is one .NET IVR platform that serves 75m transaction a day </li></ul><ul><li>Bank of America automates customer call center – 15,000 agents using Microsoft Customer Care Framework (CCF) </li></ul><ul><li>Cheshire UK – core banking with Fincentric </li></ul><ul><li>Interpay (Netherlands) 25 TB Payment System </li></ul><ul><li>JPMorganChase – equities trading platform </li></ul><ul><li>Allstate – Producer Connectivity network leverages .NET while helping enable Policy Management solution in record time. </li></ul><ul><li>Barclays Trade and Positioning System processing 200 trades/sec up to 1000 trades/sec </li></ul><ul><li>First American Title Company - Title and Escrow System consolidated 50 systems to one, 12,000 concurrent users, 64-bit capabilities </li></ul><ul><li>Citigroup TreasuryVision - Managing Corporate Cash Around the World </li></ul>
    5. 5. / Current Industry Challenges / <ul><li>Customer satisfaction and retention </li></ul><ul><li>Growth and quality of business </li></ul><ul><li>Human-intensive, paper-bound workflows </li></ul><ul><li>Poor distribution channel integration </li></ul><ul><li>Regulatory compliance pressures </li></ul><ul><li>High Operational Costs </li></ul>
    6. 6. / Current Technology Issues / <ul><li>Technology Sprawl </li></ul><ul><li>High-cost of maintenance/development </li></ul><ul><li>Business demands now exceed capacity to deliver regularly </li></ul><ul><li>Workflow desires meet temporal roadblocks … A dictatorial platform </li></ul><ul><li>Innovation and differentiation are prevented </li></ul>
    7. 7. / Snapshot of Microsoft in Financial Services / <ul><li>Qualitative shift in our business – into more and more “mission critical” transactional roles </li></ul><ul><li>Focus on Industry Solutions to solve real Business Problems (Industry Priority Solution Scenarios (IPSS)) </li></ul><ul><li>Scaling to the enterprise is “now” a reality with the Microsoft Platform </li></ul><ul><li>People are noticing; Analysts, customers, and partners </li></ul><ul><li>Increasingly influential in Microsoft’s core technology, marketing and product direction </li></ul><ul><li>Increasing importance of Financial Services Industry partners </li></ul>
    8. 8. / Microsoft is focused on the financial services industry / Payments <ul><li>ATM/POS switch </li></ul><ul><li>Corp2Bank </li></ul><ul><li>Check Processing </li></ul><ul><li>SWIFT Connectivity </li></ul><ul><li>Treasury / Cash Management </li></ul><ul><li>EBPP </li></ul><ul><li>Credit Card Processing </li></ul><ul><li>Mobile payments </li></ul><ul><li>High and Low Value payments </li></ul><ul><li>Security Settlem’t </li></ul><ul><li>Fraud Mgmt </li></ul><ul><li>Advisor platform / Portal </li></ul><ul><li>Company and Industry Provided Services </li></ul><ul><li>Advisory Management </li></ul>Advisor Platforms <ul><li>POS and Multi channel delivery </li></ul><ul><li>Underwriting </li></ul><ul><li>Prod Dev and Configuration </li></ul><ul><li>Core Policy and Admin </li></ul><ul><li>Claims Processing </li></ul><ul><li>Re-insurance </li></ul>Insurance Value Chain <ul><li>Audit and Controls </li></ul><ul><li>Doc and Records Management </li></ul><ul><li>Corp Governance </li></ul><ul><li>Reporting and Analytics </li></ul><ul><li>Privacy and Security </li></ul><ul><li>KYC/CIP </li></ul><ul><li>Risk Management and Comp </li></ul><ul><li>Certification </li></ul><ul><li>Documentation </li></ul>Risk Management And Compliance <ul><li>Branch Seller </li></ul><ul><li>Branch Teller </li></ul><ul><li>Loan </li></ul><ul><li>ATM </li></ul><ul><li>Internet </li></ul><ul><li>IVR </li></ul><ul><li>Call Center </li></ul><ul><li>Customer Knowledge </li></ul><ul><li>Mobile </li></ul>Channel Renewal
    9. 9. / Financial Services Architecture Guidance / <ul><li>Launch was a huge success </li></ul><ul><li>Lot’s of buzz in the blogosphere & press </li></ul><ul><li>Sub-sites being developed to address: </li></ul><ul><ul><li>Banking </li></ul></ul><ul><ul><li>Insurance </li></ul></ul><ul><ul><li>Capital Markets </li></ul></ul>
    10. 10. Microsoft Patterns & Practices Financial Services Architecture Guidance MSDN Solution Architecture Center Architecture Journal
    11. 11. SOA – It’s About Business! <ul><li>Business  Information  Technology </li></ul><ul><ul><li>IT exists to support business </li></ul></ul><ul><ul><li>We are looking for an overarching architecture that supports the business needs of IT </li></ul></ul><ul><li>Businesses have huge existing investments in IT </li></ul><ul><ul><li>These investments: </li></ul></ul><ul><ul><ul><li>Fill different needs, </li></ul></ul></ul><ul><ul><ul><li>Are implemented on different platforms, and </li></ul></ul></ul><ul><ul><ul><li>Are of different vintages </li></ul></ul></ul><ul><ul><li>No one in their right mind believes these huge investments will be discarded! </li></ul></ul><ul><li>Businesses are evolving to be IT centric </li></ul><ul><ul><li>More and more virtual businesses are emerging </li></ul></ul><ul><ul><li>Information is their key to survival… </li></ul></ul>
    12. 12. / Business Architecture with Microsoft MOTION / EXAMPLE DECOMPOSITION HIGH-LEVEL VIEW DECOMPOSITION FRAMEWORK Motion starts with a high-level, objective view of business, and allows capability decomposition
    13. 13. Systems Management Server Microsoft Operations Manager Windows System Update Service Microsoft Operations Framework Integrated Management & Governance Integrated Tools & Modeling
    14. 14. .NET Framework 3.0 <ul><li>Windows Presentation Foundation </li></ul><ul><li>Vector-based </li></ul><ul><li>Resolution independent </li></ul><ul><li>Rich media </li></ul><ul><li>3D user interfaces </li></ul><ul><li>Windows Communication Foundation </li></ul><ul><li>Secure Web services </li></ul><ul><li>Reliable transacted distributed apps </li></ul><ul><li>Interoperability with WS-* protocols </li></ul><ul><li>Any transport and any host </li></ul><ul><li>Windows Workflow Foundation </li></ul><ul><li>Engine built into platform </li></ul><ul><li>System and human workflow </li></ul><ul><li>Composite apps </li></ul><ul><li>Windows CardSpace </li></ul><ul><li>Streamlines user registration and one-click login </li></ul><ul><li>Mitigates common attack vectors (Phishing) </li></ul><ul><li>Seamless integration with WCF </li></ul>
    15. 15. Unified Programming Model Interop with other platforms ASMX Attribute- Based Programming Enterprise Services WS-* Protocol Support WSE Message- Oriented Programming System.Messaging Extensibility Location transparency .NET Remoting / Unified Programming Model /
    16. 16. / ESB Guidance / <ul><li>Pre-built, reusable code, patterns, and guidance </li></ul><ul><li>Accelerates implementations </li></ul><ul><li>Early adopter program available to partners now </li></ul>Service-Oriented Architecture Service Registry Service Management Security Enterprise Service Bus ESB Core Engine Transformation Routing Exception Management Orchestration Adaptation B2B Gateway Provisioning Framework Adaptation Supported Service Consumer Native Supported Service Provider Native Standard Service Consumer SOAP Standard Service Provider SOAP
    17. 17. Enterprise Connectivity BizTalk Server – “In the Box” More BizTalk Server 2006 Adapters PeopleSoft JD Edwards OneWorld XE JD Edwards Enterprise1 Oracle ODBC Siebel TIBCO Rendezvous TIBCO EMS POP3 Windows SharePoint Services SQL Host Integration Server <ul><li>BizTalk Server 2004 Adapters/ Accelerators MQ 2.0 MSMQ/MSMQT WSE HTTP SMTP Base EDI SQL File FTP SOAP SAP SWIFT HL7 RosettaNet HIPAA </li></ul><ul><li>BizTalk Adapters for Host Systems </li></ul><ul><li>Host Applications </li></ul><ul><ul><li>IBM mainframe zSeries (CICS and IMS) </li></ul></ul><ul><ul><li>Midrange iSeries (AS/400) </li></ul></ul><ul><li>IBM DB2 </li></ul><ul><ul><li>Mainframe DB2 for z/OS </li></ul></ul><ul><ul><li>Midrange DB2/400 </li></ul></ul><ul><ul><li>DB2 Universal Database for open platforms (AIX, Linux, Solaris, and Windows) </li></ul></ul><ul><li>Host Files </li></ul><ul><ul><li>Mainframe zSeries VSAM datasets </li></ul></ul><ul><ul><li>Midrange iSeries AS/400 physical files </li></ul></ul><ul><li>BizTalk Server 2006 R2 </li></ul><ul><li>WCF Adapter </li></ul><ul><li>EDI / AS2 </li></ul><ul><ul><li>X12 and EDIFACT support </li></ul></ul><ul><ul><li>Drummond Interoperability Certification </li></ul></ul><ul><li>BizTalk RFID </li></ul><ul><ul><li>Device Abstraction and Mgmt Tools </li></ul></ul><ul><ul><li>Event Processing for Filters, Alerts and Transforms </li></ul></ul><ul><ul><li>Design, Runtime, Mgmt APIs </li></ul></ul><ul><ul><li>Back-office Integration </li></ul></ul><ul><li>BizTalk Adapter Pack </li></ul><ul><ul><li>Universal access to LOB apps through WCF </li></ul></ul>
    18. 18. / How do these technologies come together in Banking? / PORTAL SharePoint Excel Services WCF & WF SQL Server & Analysis Services BizTalk Server WS Third Party Relationships: Credit, MI, etc. Existing Systems & Workflow Sales, Loan Admins, Underwriters
    19. 19. / Key Components of Interoperability / <ul><li>Agreed syntax representations </li></ul><ul><ul><li>E.g. XML </li></ul></ul><ul><li>Agreed protocols </li></ul><ul><ul><li>E.g. SOAP + WS-* specs (such as WS-ReliableMessaging) </li></ul></ul><ul><li>Agreed payload schemas </li></ul><ul><ul><li>E.g. IFX for banking data </li></ul></ul><ul><li>Profiled composition </li></ul><ul><ul><li>E.g. Pre-defined options to ensure functionality </li></ul></ul><ul><li>Agreed business scenarios </li></ul><ul><ul><li>E.g. Well defined interaction scenarios / use cases </li></ul></ul>
    20. 20. / Industry Standards are Key as Well / <ul><li>SWIFT </li></ul><ul><li>IFX </li></ul><ul><li>NACHA </li></ul><ul><li>MISMO </li></ul><ul><li>X9 </li></ul><ul><li>FIX </li></ul><ul><li>ACORD </li></ul><ul><li>TWIST </li></ul>
    21. 21. / Microsoft is the clear leader in WS-* adoption / WS-Policy Messaging Security Assurances Mgmt Metadata WS-XFer / Enum WS-Fed WS-SecureConv WS-Security WS-Trust WS-RM WS-AT MEX WS-Management SOAP / WSDL MTOM Microsoft   Intel   Sun   Dell   AMD A CA A Sonic A gSOAP  Systinet A WEBM   NetIQ    Released product  Public interop A Co-Author Only Microsoft   IBM   BEA  A Cape Clear  Systinet  Blue Titan  Rogue Wave  Sonic  IONA  Arjuna  Choreology  Apache   Tibco  Microsoft     IBM     BEA  A  A RSA    A Systinet    Apache    Layer7  A  DataPower   CA  A A SUN  SAP  Tibco  IONA  WebMethods  Nokia  Cape Clear  gSOAP  Ping ID  A   Netegrity  A A  Verisign  A A A OpenNetwork A A A  Oracle/Oblix     Microsoft   IBM  BEA  SUN   Google  Amazon  eBay  Apache   Whitemesa   gSOAP   Ricoh   Epson   HP   Xerox   Fuji-Xerox   Intel   Canon   Microsoft   IBM A  BEA A  SAP A  Sun A Verisign A Sonic A CA A WebMethods A gSOAP 
    22. 22. / Conclusion / <ul><li>Most tooling is based on Industry Standards </li></ul><ul><ul><li>Support for Heterogeneous Environments is less of a concern </li></ul></ul><ul><li>Next Generation SOA concepts are supported with the implementation of WS-* </li></ul><ul><li>Unified Framework for developing: </li></ul><ul><ul><li>Workflow Services </li></ul></ul><ul><ul><li>Communications Services </li></ul></ul><ul><ul><li>Presentation Services </li></ul></ul><ul><ul><li>Message Bus Technologies </li></ul></ul><ul><li>Composite style architecture support </li></ul><ul><li>A scalable business platform </li></ul>