This document discusses a case study of ING Card's implementation of a service-oriented architecture (SOA) for their credit card application system. The system, called the New Card System (NCS), was built to address ING Card's needs for agility, multi-channel support, and flexibility for international expansion. NCS uses three design principles - layered architecture, a service concept, and parameterized business classes - to deliver loose coupling and reusability. The service concept in particular enhances agility by providing a consistent interface for business logic that can be easily adapted for new processes, products, or countries. The case study illustrates how even an initial implementation of SOA principles can improve a business's flexibility and ability to
This presentation is an overview of my past professional and academic experience in the banking industry with regards to controlling and finance functions in various divisions from 2008 to 2010.The topics mentioned here all purely based on my experience and knowledge of how the retail banking functions, what are its main activities, tools and techniques and what I learnt from their implementation in day to day working life during my tenure in the retail banking area as an Analyst/Branch officer
This presentation is an overview of my past professional and academic experience in the banking industry with regards to controlling and finance functions in various divisions from 2008 to 2010.The topics mentioned here all purely based on my experience and knowledge of how the retail banking functions, what are its main activities, tools and techniques and what I learnt from their implementation in day to day working life during my tenure in the retail banking area as an Analyst/Branch officer
What will digitalisation do for Banking. Which mistakes from the past can still be fixed and how can banks prepare for the future. This presentation gives a high level overview on why banks are struggling with digitalisation and what the challenges are.
Due to dissatisfaction with customer service, analysts’ surveys advise that over a third of global retail banking customers moved providers in 2011. Losing this segment of customers reduces the opportunity to sell more financial products at the branch, negatively impacting profitability and growth. For more details: www.nafcu.org/ncr
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This documents highlights the importance of Digital banking for PSU banks in India. In this digitally enhanced age, it is of utmost importance for PSU banks to be up to date with the latest technology.
Banking and the way people handle their finances are evolving rapidly but banks aren't necessarily following. Fintechs and Big Tech companies like Google, Facebook and Apple are offering more and more services that were exclusively done by banks even less than 10 years ago. New laws like GDPR and Mifid2 are making life even harder for banks, and PSD2 forces banks to open up their data to 3rd parties.
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The payments industry has advanced remarkably during the last decade. With the new technologies and increasing mobility, payments can be realized much more efficiently, and the trend is growing rapidly. Advanced e-payment systems are not just helping current businesses to offer better service for their customers but also thanks to e-payments systems it is much easier to build a company from scratch, supply chain finance is much more manageable, sustainability is achieved on a completely different edge that companies willing introduce e-invoicing systems for their customers and much more. However, despite the new developments in the payments industry, for the business-to-business (B2B) transactions, the industry response in much slower compared to business-to-customer (B2C). Introducing electronic payment systems to B2B commerce is increasing visibility and connectivity as well as the simplicity of the transaction process, and this is a radical change for an industry whose major challenges are inefficiency and poor information. This paper is designed to present the compressive benefit analysis of electronic payment systems for B2B industries and motivations and possible barriers for its future applications in the industry.
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What will digitalisation do for Banking. Which mistakes from the past can still be fixed and how can banks prepare for the future. This presentation gives a high level overview on why banks are struggling with digitalisation and what the challenges are.
Due to dissatisfaction with customer service, analysts’ surveys advise that over a third of global retail banking customers moved providers in 2011. Losing this segment of customers reduces the opportunity to sell more financial products at the branch, negatively impacting profitability and growth. For more details: www.nafcu.org/ncr
Digital Banking for PSU banks in IndiaRohan Bharaj
This documents highlights the importance of Digital banking for PSU banks in India. In this digitally enhanced age, it is of utmost importance for PSU banks to be up to date with the latest technology.
Banking and the way people handle their finances are evolving rapidly but banks aren't necessarily following. Fintechs and Big Tech companies like Google, Facebook and Apple are offering more and more services that were exclusively done by banks even less than 10 years ago. New laws like GDPR and Mifid2 are making life even harder for banks, and PSD2 forces banks to open up their data to 3rd parties.
We will cover the changes that banking is going through and how we can help make the transition to new ways of banking as smooth as possible for both Users and companies.
E-payment systems in B2B commerce: A supply Chain Management Perspective.
The payments industry has advanced remarkably during the last decade. With the new technologies and increasing mobility, payments can be realized much more efficiently, and the trend is growing rapidly. Advanced e-payment systems are not just helping current businesses to offer better service for their customers but also thanks to e-payments systems it is much easier to build a company from scratch, supply chain finance is much more manageable, sustainability is achieved on a completely different edge that companies willing introduce e-invoicing systems for their customers and much more. However, despite the new developments in the payments industry, for the business-to-business (B2B) transactions, the industry response in much slower compared to business-to-customer (B2C). Introducing electronic payment systems to B2B commerce is increasing visibility and connectivity as well as the simplicity of the transaction process, and this is a radical change for an industry whose major challenges are inefficiency and poor information. This paper is designed to present the compressive benefit analysis of electronic payment systems for B2B industries and motivations and possible barriers for its future applications in the industry.
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At the BIAN Open Day in NYC November 12, 2019, we shared our thoughts on how BIAN Value Chain business areas, Channels, Customers, Products and Operations, provide a context for addressing Open Banking capabilities in a more systematic way, and the implications the decoupled Value Chain have on business models and reference architecture. Sample use cases such as account information and account aggregation, their mapping to related BIAN service domains, and implementation using microservices and pattern for performance are also discussed.
In this file are two documents. The first is a copy of the California Business and Professions Code, Chapter 2908. This is the exemption from the requirement for license as a psychologist for persons practicing non therapeutic hypnosis. This has been the law in effect for many years. The second document is a copy of Senate Bill 577,which has recently become law in California.
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Transformation is difficult and digital transformation is even harder.
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Master card 11
1. SOA Case Study: Agility in Practice
As boundaries within and between enterprises become increasingly permeable, there is a
greater need for information flow. This is inhibited by the "information silos" formed by
traditional software applications. Service oriented architecture (SOA) replaces these silos
with loosely-coupled services, enabling information to flow as needed, and delivering
enterprise agility.
This is a case study from ING Card, a division of the ING Group, member of the Jericho
Forum of The Open Group. It describes the first phase of their SOA implementation, with
services that are hard-wired rather than dynamically discoverable. It illustrates how even this
stage of SOA can deliver real business agility, and contains some interesting lessons for SOA
implementation.
The case study was written by Alcedo Coenen. Alcedo has built his experience in IT since
1987, although he originally graduated in musicology in 1986. He has been working as
programmer, information analyst, and since 1997 as (information) architect for ING and
other companies in the Netherlands. Within ING Alcedo has been working on multi-channel
architecture, a global SOA for ING Europe, a credit card system and on knowledge systems.
Recently he has established a working group on the Business Rules Approach, producing
articles and presentations for several architecture conferences and meetings.
Open Group SOA Case Study http://www.opengroup.org