RETAIL TRADING RISK MANAGEMENT TREASURY & CASH & COMPLIANCE MANAGEMENT The document discusses technology trends in the financial services industry. It notes increasing pressures from greater regulatory requirements, sophisticated cyber attacks, demands for improved customer experience and lower costs. Emerging technologies like cloud computing, big data, social media and mobility are shaping the industry response to these pressures by enabling greater transparency, security, cost efficiency and customer centricity. The amount of digital data and connected devices is also rapidly growing and transforming how financial institutions operate and engage with consumers and businesses.

1. Technology Trends
in the
Financial Service Industry
y
Larry Ryan
June 22nd, 2012
J d
Chief Technologist, Financial Service Industry
© Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.

2. Increasing Pressure on Financial Firms
Financial System Soundness:
Capital, quality, liquidity, & risk
Increasing regulatory pressure:
greater levels of transparency
Sophisticated b
S hi ti t d cyber attacks:
tt k
secure infrastructure, data & apps
Customer experience:
agility to retain and grow market
share
Shareholder Demand:
cost control & operational efficiency
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The information contained herein is subject to change without notice.

3. Increasing Pressure on Financial Firms
Top Bank Efficiency Raio and ROE
Financial System Soundness: 100
Capital, quality, liquidity, & risk
80
Increasing regulatory pressure:
greater levels of transparency 60
Sophisticated b
S hi ti t d cyber attacks:
tt k 40
secure infrastructure, data & apps
20
Customer experience:
agility to retain and grow market 0
share
‐20
Shareholder Demand:
cost control & operational efficiency Efficiency Ratio ROE Source: www.bankregdata.com (2011Q4 Data)
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The information contained herein is subject to change without notice.

4. Technologies Impacting Financial Services
Focus on customer experience and
agility to retain and grow market
share
Cloud • Market place for Shared agile services
Shareholder Demand for cost and
operational efficiency Security • Pervasive and end-to-end
Increasing regulatory scrutiny requires
greater levels of transparency Big Data • Derive meaning from the digital world
Sophisticated cyber attacks require
Social Media
stronger secure infrastructure
• Th di it l culture
The digital lt
• Anywhere computing: markets, apps,
Improve soundness by increasing
capital and i
it l d improving li idit
i liquidity Mobility payments
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The information contained herein is subject to change without notice.

5. The Digital Life
2020 4B people online, 31B connected d i
2020: l li t d devices, 25M apps
Consumer CHANNEL SERVICES
CHANNELS
USER SECURITY SERVICES (SSO, Authorization and Access Control)
CHANNEL INTEGRATION
Professional
SERVICE SECURITY (Authentication, Authorization and Access Control)
BUSINESS SERVICES
CORE BANKING OPERATIONS
WEALTH
CORPORATE
MANAGEMENT
INFORMATION
EXTERNAL ENTERPRISE
MANAGEMENT &
INTERFACES SYSTEMS RETAIL TRADING
DATA SERVICES
RISK MANAGEMENT TREASURY & CASH
& COMPLIANCE MANAGEMENT
PLATFORM SECURITY (Authentication, Authorization and Access Control)
PLATFORMS
INFRASTUCTURE SECURITY
SERVICE SECURITY (Authentication, Authorisation and Access Control)
IT INFRASTRUCURE
HYBRID DELIVERY CLOUD
Mobile Datacenter
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The information contained herein is subject to change without notice.
Source: IDC, ICT Outlook: Recovering Into a New World, #DR2010 GS2 JG, March 2010

6. The Digital Life: Data
2020 4B people online, 31B connected d i
2020: l li t d devices, 25M apps
Transactions Social Interactions
Payments Personal
Photos Exhaust Data
Movies/Videos Maps
Music
M i Location
L ti
Books Scientific Data
Magazines Life Footprint
Consumer Professional CHANNEL SERVICES
Newspapers Biological
CHANNELS
USER SECURITY SERVICES (SSO, Authorization and Access Control)
CHANNEL INTEGRATION
SERVICE SECURITY (Authentication, Authorization and Access Control)
BUSINESS SERVICES
CORE BANKING OPERATIONS
WEALTH
CORPORATE
MANAGEMENT
INFORMATION
EXTERNAL ENTERPRISE
MANAGEMENT &
INTERFACES SYSTEMS RETAIL TRADING
DATA SERVICES
Art Environmental
RISK MANAGEMENT TREASURY & CASH
& COMPLIANCE MANAGEMENT
PLATFORM SECURITY (Authentication, Authorization and Access Control)
PLATFORMS
INFRASTUCTURE SECURITY
SERVICE SECURITY (Authentication, Authorisation and Access Control)
IT INFRASTRUCURE
Public Records
HYBRID DELIVERY CLOUD
Mobile Datacenter
6 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.
Source: IDC, ICT Outlook: Recovering Into a New World, #DR2010 GS2 JG, March 2010

7. Cloud
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The information contained herein is subject to change without notice.

8. Cloud computing types for financial service firms
Core Attributes
Elastic
Pay-per-
Pay-per-use Banker
Networked
Shared
On-
On-demand
Trusted external
service providers
Markets/Communities
/
Software Services (SaaS)
(SaaS)
Platform Services (PaaS)
(PaaS)
Infrastructure Services (IaaS)
(IaaS)
8
How is it used?
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What is delivered?
The information contained herein is subject to change without notice.

9. The Financial Service Marketplace evolves
NASDAQ
Market Replay
Expanding into
cloud services
Attacking legacy
business models
b i d l
9 © Copyright 2012 Hewlett-Packard Development Company, L.P.
Legacy Services
The information contained herein is subject to change without notice. “Cloud” Services

10. Value of Cloud in FSI
Top Challenges Faced by Banks
h ll db k
Manage Recovery Grow Customer Base
Handle host of New & Changed Regulations Absorb Acquisitions
Three Key Drivers for Cloud Adoption
Cost Reduction Speed to Deliver Agility
Ovverall cost reduction through – With technology innovation becoming more of Banks looking at Agility specifically with
• SaaS - Avoidance of infrastructure cost an enabler of new banking products and reference to IaaS
• PaaS - Quicker development cycles channel innovations as well as increased Large-tier banks &"megabanks" have extremely
regulatory changes expected, a bank's ability to large sets of data and very high transaction
• IaaS - Increasing utilization of infrastructure
components reducing total infrastructure needs
quickly adapt to the changing landscape or volumes in solution areas that are load-
overall become a market innovator by leveraging
y g g intensive and read-intensive such as risk
read intensive,
technology is a distinct competitive advantage management, trading algorithms, pricing,
Enable banks to increase control over IT
infrastructure with regard to fixed vs. variable Cloud computing can offer faster initial quantitative analysis and payments processing
costs and opex vs. capex implementations by eliminating the need for Megabanks are adopting or considering private
lengthy hardware acquisition cycles or capital cloud (internal to bank) IaaS to reduce overall
Flexibility and control over costs to react to what
investment project reviews infrastructure cost through consolidation of
is becoming an increasingly volatile economic
condition
diti servers,
servers data centers and higher utilization of
their server footprint
Source: Market Insight: The Impact of Cloud Computing on Vendors in Banking – Gartner June 2010
10 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.

11. HP Converged Cloud Portfolio
CONSUME
BUILD, MANAGE & Off-premise services
SECURE INFORMATION Managed Cloud
APPLICATIONS
(across all models) INFRASTRUCTURE • Enterprise Cloud Services
• CloudSystem • IT Performance Suite Services
• IT Performance Suite • A t
Autonomy Protect & P
P t t Promote
t
Traditional Public Services
• Converged Infrastructure
Private Cloud Managed Cloud Cloud
Public Cloud
• HP Cloud Services
PROFESSIONAL SERVICES
Consulting & implementation Financing Education
11
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The information contained herein is subject to change without notice.

12. HP banking service center
S
Servicing multiple b k i S it
i i lti l banks in Switzerland
l d
Bern Banking Service Center
•Core banking services Large
Locations
•Single application instance Liebefeld
Office
Medium Space
Locations
WAN
•Service delivery model
•Usage-based pricing
Small
Data
Locations
Center
•Consistent compliance Public
Internet
•Innovative product design tool External Gateways
Bulgaria
Bank Other Client
Customers Networks HP Services
•Transaction hub Network
Second Data
•Real-time multi-channel operations
Center
Data Slovakia
Center
Large
•365x24 operations
Locations
Small HP Global
Medium Locations Network
Locations Operations Global Apps
Center Capabilities
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The information contained herein is subject to change without notice.

13. Global bank use case
Delivering a hybrid d li
D li i h b id delivery cloud
l d
•DeliverIT as a service
•Co-branded
•HP designed, built, delivered, and operated
•Engaged risk management, compliance,
and security officers
•Regulatory Compliance a key driver
•Expandable service catalog and price list
•Provision in hours as opposed to days
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The information contained herein is subject to change without notice.

14. Key take-aways
1 Cloud is an emerging disruptive force; a strategic transformation and journey
2 Cloud decreases time to market, increases agility, reduces cost, and enables new
business models
3 Assess what assets can move to cloud and start with an internal IaaS as a
foundation towards a service ecosystem
4 HP recommends a hybrid delivery framework to integrate all sources and automate
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The information contained herein is subject to change without notice.

15. Security
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The information contained herein is subject to change without notice.

16. Top 5 Global Risks in Terms of Likelihood
16 © Copyright 2012 Hewlett-Packard Development Company, L.P. Global Risks 2012 Seventh Edition, World Economic Forum,
The information contained herein is subject to change without notice. http://www3.weforum.org/docs/WEF_GlobalRisks_Report_2012.pdf

17. The Threat
•SWIFT: The operator of the world’s largest messaging
network for financial transactions said its communications
systems are facing record levels of aggression from cyber
hackers and attackers *
attackers.
•38% of financial services respondents say they have
been hit by cyber crime of one sort or another. **
y y
•Ponemon Institute found that >1 successful
attack/week/company (44% increase).***
* http://www.securitiestechnologymonitor.com/news/swift-terrorism-at-new-peak-shah-30120-1.html?zkPrintable=true
17 © Copyright 2012 Hewlett-Packard Development Company, L.P. ** Cybercrime: protecting against the growing threat, Global Economic Crime Survey, Nov 2011, PWC.
The information contained herein is subject to change without notice. *** Second Annual Cost of Cyber Crime Study, August 2011, Ponemon Institue.

18. Example Breaches
Global Banks
Community Bank
Bank Outsourcer
Exchange
Payment Networks
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The information contained herein is subject to change without notice.

19. HP’s Framework Embodies End-to-End
S
Security
it INFORMATION SECURITY MANAGEMENT
Security Security
Policy and Compliance Threat & Risk Security Training and
Supplier Performance
Risk and Audit HP Secure Boardroom
Management Architecture Awareness
Management Management
SECURITY OPERATIONS
Risk Accreditation & Identity and Security
Monitoring and Universal Log Incident
Assessment Acceptance Access HP ArcSight SIEM Change
HP IT Performance Suite
Alerting Management Management
and Mitigation Testing Management Control
DATA CENTER NETWORK APPLICATION END-POINT
Data & Content Security Securing Data in Motion Securing Data in Use Securing Data at Rest
HP Enterprise Secure Key Mgr
Business Recovery &
IDS/IPS Application Delivery Mobile Security
Continuity Services HP Tipping Point
Data C t S
D t Center Security
it Network Security
N t kS it Application Security
A li ti S it A t E d i tS it
Asset, Endpoint Security
HP Fortify Security Center
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The information contained herein is subject to change without notice.

20. Key take-aways
1 Security and risk management alignment
2 Security and IT operations integration
3 Situational Awareness / Rapid response
4 Actively and Continuously monitor and evolve
22 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.

21. Big Data
a sub-category of
Information Management
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The information contained herein is subject to change without notice.

22. Definition
Social networking
Uploading video In Germany Researching in
in the US China
Of the 6.9 billion people in the world,
Chatting in India
only 2.3 billion are online.
Blogging in Brazil
2020
25 million apps http://www.internetworldstats.com/stats.htm
4 billion people online
31 billion connected devices
Speed
450 billion online interactions, per day
1.3 trillion tags/sensors Complexity
50 t illi gigabytes of d t created
trillion i b t f data t d
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The information contained herein is subject to change without notice.

23. Big Data valuable to Financial Services
25 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.
“Big Data: The next frontier for innovation, competition, and Productivity, McKinsey
Global Institute, Presented at SIBOS, September 20, 2011

24. What are Banks doing?
"Our top business
•Track behaviour challenges are optimizing
•Adjust risk exposure customer relationships,
optimizing financial functions,
•Correlate with transaction
Reducing business risk and
•Understand
U d t d ensuring regulatory
•Predict and influence compliance. Our prioritization
is around our customer and
then
revenue / profits."
– C Level Executive
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The information contained herein is subject to change without notice.

25. Benefits for Banks
•Customer behaviour
•Multichannel Customer Interaction
Multichannel
•Product Innovation
•Risk Management and Compliance
•Strategy and brand marketing
•Archiving & eDiscovery
Archiving
•Information Management
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The information contained herein is subject to change without notice.

26. From Information to Insight
Making the most of structured and unstructured data
g
DATA: BIG, FAST, TOTAL
• Big streams of rich data
• Fast insight on data in motion (e.g., sensors)
• Across Total relevant data sets
Data
D t Insights
I i ht
INSIGHT @ SPEED OF BUSINESS
sources & actions
Next wave of analytics apps in connected
world – high scalability, least energy
29 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.

27. HP: THE NEXT GEN INFORMATION PLATFORM
Transactional Data IT/OT Email Audio Video Texts Mobile Documents Search Engine Images Social Media
THE NEXT GEN INFORMATION PLATFORM – IDOL 10 / Vertica
CONTEXT-AWARE COMPUTING PATTERN-BASED STRATEGY INFORMATION SHARING MONETIZING INFORMATION
• Provides the ability for enterprise to leverage and • Understands the meaning and context of
use 100% of their structured and unstructured Human and Extreme information
business relevant information • Ability to process information i l
f in-place or in a
• Performs advanced analytics and applies pattern- data warehouse
based strategy in real-time • Makes information accessible to all enterprise
• Designed to p
g provide unprecedented speed,
p p , applications
pp
simplicity and scalability
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The information contained herein is subject to change without notice.

28. Key take-aways
1 New Architecture
2 Enables transparency
3 Enables experimentation, analysis, value creation, and new business models
4 Data Policy
32 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.

29. Social Media
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30. Social Media
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31. Social Networks Demographics
Population/Registered Users
1,600,000,000
1,400,000,000
1 400 000 000
1,200,000,000
1,000,000,000
800,000,000
800 000 000
600,000,000
400,000,000
200,000,000
0
35 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.

32. Corporates embracing social media
36 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice. Source: “How social technologies are extending the organization”, McKinsey Quarterly, November, 2011,
http://www.mckinseyquarterly.com/High_Tech/Strategy_Analysis/How_social_technologies_are_extending_the_organiz
ation_2888

33. Examples in Financial Services
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The information contained herein is subject to change without notice.

34. Virtual Currencies & Loyalty Programs
Frequent Flyer
F t Fl
Programs
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The information contained herein is subject to change without notice.

35. Key take-aways
1 Reach and learn from customers
2 Mange brand
3 Drive campaigns
4 Govern appropriate usage
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The information contained herein is subject to change without notice.

36. Mobility
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The information contained herein is subject to change without notice.

37. Mobility becomes part of life for everyone
... A d th scale i enormous
And the l is
•Instant connections, communication & collaboration is changing people’s behavior
•Access y y y y g
to on line services is part of daily activity – Mobility First is quickly becoming the
business top priority
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The information contained herein is subject to change without notice.

38. Online and Mobile Banking Transactions
Continue to Increase R idl
C ti t I Rapidly
US Self-Service Banking Transactions by Channel (In Billions)
100 ATM
(CAGR = 0.8%)
0 8%)
80 Online
(CAGR = 20.1%)
60 Mobile
M bil 14.0
14 0
3.0 9.4
(CAGR = 84.8%) 1.2 5.6
40
30.0 33.3 35.0
23.3
23 3 26.8
20 11.8 15.3 18.6
18 6
5.6 7.3 9.1
14.0 14.2 14.3 14.4 14.5 14.6 14.6 14.7 14.8 15.0 15.1
0
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013
42 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice. Source: TowerGroup
42

39. US Branch Transactions Are Declining
(2010–14P)
(2010 14P)
Transactions (In Billions)
15 14.70
14 70
14.11
14 13.69
13 69
13.28
13 12.88
12
2010 2011 2012 2013 2014
43 © Copyright 2012 Hewlett-Packard Development Company, L.P. Source: TowerGroup
The information contained herein is subject to change without notice.

40. Mobile Payments Landscape
Physical Location / POS Online Mobile
P2P Transfers
(Domestic and
International)
Payments to
Merchants
44 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice. * Updated version of table from Edgar, Dunn & Company
Slide 44

41. Example Mobile Applications
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The information contained herein is subject to change without notice.

42. Bring Your Own Device
Balancing choice while protecting corporate assets
Benefits
• Employees and customers use
p y
•Shift cost to users
Shift tt
their own device •Increasing employee satisfaction
•Accelerate technology adoption
• How to: Concerns
•E b
Embrace •Acceptable U P li
A t bl Use Policy
• Minimum security policy
• Govern usage • Company mandated security tools
•Compliance and data ownership
• Protect assets and data •Retrieving company data on separation
g p y p
Risks
• Path towards pervasive computing •Unencrypted information
•Consumer Applications
•Weak passwords and security
p y
46 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.

43. Key problems for IT
Management of different platforms
2007 2010 2013
• From a single client OS to multiple OS
• Different devices, different form
factors, different update and life
y
cycles ?
• How to manage migration of existing
platforms
• What about current desktop /Laptop
strategy
Own vs BYOD
47 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.

44. Key issues for IT
Security and risk management – Is it safe?
Device Overload
 Ever-Changing Types,
OSs and Security App Threats
h
Features  Insecure Access
to Corporate Network Threats
Apps  Usage of Many Secure Data Threats
and Unsecure Networks  Sensitive Data Leakage
 Lack of Reliability
 Lack of Mobile Network  Device Lost or
Visibility Employee Leaves
User Th t
U Threats  Corporate Network
 Acting in Non- Vulnerability to Mobile
Compliant / Threats
Wrongful Ways
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The information contained herein is subject to change without notice.

45. BYOD Considerations
• Trust Model
• Remediation options
• Ti
Tiered policy
d li
• User experience vs. security exposure tradeoff
• Corporate data protection (in transit, on device)
p p ( , )
• Device control
• Acceptable use policy (cloud services)
• Li bilit assessment
Liability t
• Education
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The information contained herein is subject to change without notice.

46. Hp Enterprise Mobility Services
Framework
Mobility Apps Platform Unified Communication
• App Virtualization • Voice Transformation
• Desktop Virtualization • Virtual Workplace
• Mobile Apps – Native, Web • Unified Messaging
Mobility Device Management Mobility Protection
• Infrastructure Mgt • Network Protection
• Mobile Device Mgmt PROSUMER • Cloud Protection
• Mobile Data Protection
• Mobile Access Protection
Mobile Data Mobile Applications
• Storage Consulting • Performance Engineering
• Mobile Data Trans. • App Transformation
• Enterprise Data Sharing • Mobile App Management
• Analytics/BI • Windows 7/8 Migration
GRC - MoC Collaboration Enterprise Connectivity
• Education Services (UC) • Search/ Information • Network Transformation
• Education Services (Mobility) • Document Management • Voice over Wi-Fi
50 © Copyright 2012 Hewlett-Packard Development Company, L.P.
• Mobility Policies (BYOD) • Social Collaboration • Fixed Mobile Convergence
The information contained herein is subject to change without notice.
• Mobile Process Enablement • Cloud Services Integration

47. Key take-aways
1 Mobility is the transaction platform of the future
2 Expect rapid technology innovations in near term
3 Enables innovation business models
4 HP recommends an encompassing platform
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48. Summary
© Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.

49. Positioned for the Future
Mobile Social 10 Billion 10 Billion
Network Mobile Devices Human Decisions People
• Personal
• Organizational
Sea of 1 Trillion Insights &
10 Billion
Sensors Sensors Actions
Processes
Process Control
• Machinery
Enterprise & 1024 bytes of • Workflow 100 Million
o
1 Billion
Consumer Data Stored Data Services Entities
OUR ARCHITECTURE YOUR BENEFITS
• Data and transform co-located • Fastest time to insight
• Distributed and interdependent • Most connection to sources and actions
• Secure and auditable • Isolation between circles of interest
53 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.

50. Key Takeaways for Financial Institutions
2020 4B people online, 31B connected d i
2020: l li t d devices, 25M apps
Corporate and cons mers al a s online
consumers always
Everything digital
Service-
Service-based economy
Data in motion architecture
Consumer Marketplace growth Professional CHANNEL SERVICES
CHANNELS
USER SECURITY SERVICES (SSO, Authorization and Access Control)
CHANNEL INTEGRATION
SERVICE SECURITY (Authentication, Authorization and Access Control)
Agility & Speed to Market
BUSINESS SERVICES
CORE BANKING OPERATIONS
WEALTH
CORPORATE
MANAGEMENT
INFORMATION
EXTERNAL ENTERPRISE
MANAGEMENT &
INTERFACES SYSTEMS RETAIL TRADING
DATA SERVICES
RISK MANAGEMENT TREASURY & CASH
& COMPLIANCE MANAGEMENT
PLATFORM SECURITY (Authentication, Authorization and Access Control)
PLATFORMS
INFRASTUCTURE SECURITY
GRC: Governance, Risk, and Compliance
SERVICE SECURITY (Authentication, Authorisation and Access Control)
IT INFRASTRUCURE
HYBRID DELIVERY CLOUD
Mobile Datacenter
54 © Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.
Source: IDC, ICT Outlook: Recovering Into a New World, #DR2010 GS2 JG, March 2010

51. Thank you
© Copyright 2012 Hewlett-Packard Development Company, L.P.
The information contained herein is subject to change without notice.