Mobile development at Credit Suisse has evolved over the past 20 years from introducing the first online banking in 1997 to developing mobile apps. They now recognize the importance of having a clean enterprise architecture and modular application design to allow for reuse and reduce total cost of ownership. Their past innovations include online banking, mobile trading, and mobile banking apps, and they are focused on building for the post-PC world through innovative greenfield development while establishing architectural guidelines.

1. Mobile Development
at Credit Suisse
CREDIT SUISSE GROUP AG

2. AGENDA
– Past
Innovations
– Present - The Importance of Architecture
Innovative Development
The Importance of Architecture
Modular Design and Re-usable Components
Total Cost of Ownership: Silo vs Framework
Application Landscape
Recap
– Future
Post PC World 2
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CREDIT SUISSE LEGAL NAME Date: Slide 2

3. 1997
> The Netscape/IE War was raging
– The public was flocking on to the new "information superhighway"
– Credit Suisse introduces the first Internet Online Banking to Switzerland
Direct Net
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CREDIT SUISSE LEGAL NAME Date: Slide 3

4. 1999
– Online Banking bound to your PC
– Mobiles and fix phones are regularly available
– Credit Suisse introduces banking services over
touch-tone telephones including mobile phones
Direct Line
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CREDIT SUISSE LEGAL NAME Date: Slide 4

5. 2001
– WAP is at its peak
– Trading was popular for private clients
– Credit Suisse introduces the Mobile Trading
Solution
Youtrade for WAP
5
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CREDIT SUISSE LEGAL NAME Date: Slide 5

6. 2007
– Smartphones exceed the capabilities of
the PCs available at the introduction of
Online Banking
– Mobile data connectivity becomes
available
– Credit Suisse builds a fully working
Prototype
Direct Net Mobile Banking for Smartphones
6
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CREDIT SUISSE LEGAL NAME Date: Slide 6

7. 2011
– iPhone changed the game for
mobiles
Usability takes a giant leap
Connectivity becomes available to the
masses
Massive customer uptake of the
App Store distribution model
7
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CREDIT SUISSE LEGAL NAME Date: Slide 7

8. 2011 Direct Net Mobile Banking
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9. Innovative Greenfield Development
No restrictions Free choice of
Technologies
Chance to
Create
No code to Something
Maintain Truly New
... its fun... 9
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10. But...
No Guidelines No Examples
Nobody to blame
it on if it goes
wrong...
...it is also enough rope to hang yourself!
10
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11. In a Post PC World paradigms change quickly!
And New Technologies of Today...
11
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12. In a Post PC World paradigms change quickly!
And New Technologies of Today...
...become the Legacy Systems of Tomorrow!
12
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13. 1 -- Enterprise Architecture Landscape
Client
Entry
Server
XML/HTML
Server
Business Authentication
Server Server
IBM
Host
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CREDIT SUISSE LEGAL NAME Date: Slide 13

14. 1 – Clean Enterprise Architecture Allows Reuse
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CREDIT SUISSE LEGAL NAME Date: Slide 14

15. 2 -- Application Design
Data
Caching UIs
Input
Network
Business Validation
Access
Logic Error
Handling
Security
UI
Navigation
Authentication
Application Behaviors
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CREDIT SUISSE LEGAL NAME Date: Slide 15

16. 2 -- Application Design
Application Plug-in Layer
Business Custom
Logic UIs
Network Data Application Framework Layer
Access Caching
UI Error Input
Security Authentication
Navigation Handling Validation
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CREDIT SUISSE LEGAL NAME Date: Slide 16

17. 3 -- Total Cost of Ownership: Silo vs Framework
1/2: Silo Applications
Mobile
TCO Project 1, 2
Assumes 6 year App lifetime
and maintenance costs of 16%
Maintenance Maintenance
Project 1 Project 2
Development Development
Project 1 Project 2
No Savings from Scale
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CREDIT SUISSE LEGAL NAME Date: Slide 17

18. 3 -- Total Cost of Ownership: Silo vs Framework
2/2: FW Based Applications with FW Support
Mobile
TCO Project 1
Maintenance
For simplicity this assumes that
Project 1 Saving per project
all FW development and
maintenance is taken by one
Maintenance project.
FW Lifecycle TCO Project 2
TCO savings come from
maintenance and initial cost
Development Maintenance reductions.
Project 1 Project 2
Some additional cost may come
from lifecycle migrations - but
Development Development lifecycle changes will be
FW Project 2 required for iOS version
upgrades
e.g. 35pd for Mobile Banking
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CREDIT SUISSE LEGAL NAME Date: Slide 18

19. 2 -- Application Design
Application Plug-in Layer
Business Custom
Logic UIs
Network Data Application Framework Layer
Access Caching
UI Error Input
Security Authentication
Navigation Handling Validation
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CREDIT SUISSE LEGAL NAME Date: Slide 19

20. 2 -- Application Design – Plugin Concept
Functional Plugins
Functional Plugin
Functional Plugins
Functional Plugin
Functional Plugin Application Plug-in Layer
Business
Business Custom
Business
Business Custom
Business Custom
Logic Business Custom
Logic Custom
Logic Logic UIs UIs
Logic UIs UIs
Logic UIs
Network Data Application Framework Layer
Access Caching
UI Error Input
Security Authentication
Navigation Handling Validation
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CREDIT SUISSE LEGAL NAME Date: Slide 20

21. 4 -- Application Landscape Today
iPhone – Sollution 3 iPad – Sollution 3
iPhone – Sollution 2 iPad – Sollution 2
iPhone – Sollution 1 iPad – Sollution 1
Mobile Framework – iOS Clients
Mobile Framework - XML Service
MCP WS Bus
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22. Directnet Mobile Banking
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23. iCP Interactive Client Presentations
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24. Outlook to the Future Technologies
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25. A Post PC World
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26. DXI
MCP
WES
D-Line
Data M-Tan
XML
Services P.Security
Layer
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CREDIT SUISSE LEGAL NAME Date: Slide 26

27. We are ready for the Future of Mobile
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CREDIT SUISSE LEGAL NAME Date: Slide 27