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Mobile Development
                         at Credit Suisse




CREDIT SUISSE GROUP AG
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




                                                        Produced by:
                             CREDIT SUISSE LEGAL NAME   Date: Slide 2
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


                                                                      Produced by:
                              CREDIT SUISSE LEGAL NAME                Date: Slide 3
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


                                                        Produced by:
                             CREDIT SUISSE LEGAL NAME   Date: Slide 4
2001
– WAP is at its peak


– Trading was popular for private clients


– Credit Suisse introduces the Mobile Trading
  Solution


                  Youtrade for WAP
                                                                5




                                                     Produced by:
                          CREDIT SUISSE LEGAL NAME   Date: Slide 5
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




                                                      Produced by:
                           CREDIT SUISSE LEGAL NAME   Date: Slide 6
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




                                                   Produced by:
                        CREDIT SUISSE LEGAL NAME   Date: Slide 7
2011 Direct Net Mobile Banking




                                                 Produced by:
                      CREDIT SUISSE LEGAL NAME   Date: Slide 8
Innovative Greenfield Development

        No restrictions                       Free choice of
                                               Technologies



                                                     Chance to
                                                      Create
         No code to                                  Something
          Maintain                                   Truly New




                                                               ... its fun...         9




                                                                           Produced by:
                          CREDIT SUISSE LEGAL NAME                         Date: Slide 9
But...

          No Guidelines                                   No Examples




  Nobody to blame
    it on if it goes
         wrong...


                    ...it is also enough rope to hang yourself!
                                                                                   10




                                                                         Produced by:
                               CREDIT SUISSE LEGAL NAME                 Date: Slide 10
In a Post PC World paradigms change quickly!
And New Technologies of Today...




                                                            11




                                                  Produced by:
                      CREDIT SUISSE LEGAL NAME   Date: Slide 11
In a Post PC World paradigms change quickly!
And New Technologies of Today...




             ...become the Legacy Systems of Tomorrow!
                                                            12




                                                  Produced by:
                      CREDIT SUISSE LEGAL NAME   Date: Slide 12
1 -- Enterprise Architecture Landscape

                    Client



                    Entry
                    Server


                  XML/HTML
                    Server




                   Business         Authentication
                    Server               Server


                                                     IBM
                                                     Host


                                                       Produced by:
                        CREDIT SUISSE LEGAL NAME      Date: Slide 13
1 – Clean Enterprise Architecture Allows Reuse




                                                  Produced by:
                      CREDIT SUISSE LEGAL NAME   Date: Slide 14
2 -- Application Design

               Data
              Caching                                      UIs


                                                                                   Input
   Network
                              Business                                           Validation
    Access
                               Logic                               Error
                                                                  Handling
             Security



                                                                     UI
                                                                 Navigation
                    Authentication


                                                                      Application Behaviors


                                                                                        Produced by:
                                CREDIT SUISSE LEGAL NAME                               Date: Slide 15
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




                                                                                 Produced by:
                             CREDIT SUISSE LEGAL NAME                           Date: Slide 16
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




                                                                                     Produced by:
                          CREDIT SUISSE LEGAL NAME                                  Date: Slide 17
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




                                                                                    Produced by:
                            CREDIT SUISSE LEGAL NAME                               Date: Slide 18
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




                                                                                 Produced by:
                             CREDIT SUISSE LEGAL NAME                           Date: Slide 19
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




                                                                                    Produced by:
                                CREDIT SUISSE LEGAL NAME                           Date: Slide 20
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


                                                                                     Produced by:
                                  CREDIT SUISSE LEGAL NAME                          Date: Slide 21
Directnet Mobile Banking




                                                  Produced by:
                      CREDIT SUISSE LEGAL NAME   Date: Slide 22
iCP Interactive Client Presentations




                                                   Produced by:
                       CREDIT SUISSE LEGAL NAME   Date: Slide 23
Outlook to the Future Technologies




                                                  Produced by:
                      CREDIT SUISSE LEGAL NAME   Date: Slide 24
A Post PC World




                                              Produced by:
                  CREDIT SUISSE LEGAL NAME   Date: Slide 25
DXI
                                 MCP
                                           WES

                                  D-Line
                       Data                  M-Tan
                                   XML
                      Services              P.Security
                                   Layer




                                                          Produced by:
CREDIT SUISSE LEGAL NAME                                 Date: Slide 26
We are ready for the Future of Mobile




                                                   Produced by:
                       CREDIT SUISSE LEGAL NAME   Date: Slide 27

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Mobile Banking 2011: Credit Suisse

  • 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 Produced by: 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 Produced by: 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 Produced by: 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 Produced by: 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 Produced by: 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 Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 7
  • 8. 2011 Direct Net Mobile Banking Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 8
  • 9. Innovative Greenfield Development No restrictions Free choice of Technologies Chance to Create No code to Something Maintain Truly New ... its fun... 9 Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 9
  • 10. But... No Guidelines No Examples Nobody to blame it on if it goes wrong... ...it is also enough rope to hang yourself! 10 Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 10
  • 11. In a Post PC World paradigms change quickly! And New Technologies of Today... 11 Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 11
  • 12. In a Post PC World paradigms change quickly! And New Technologies of Today... ...become the Legacy Systems of Tomorrow! 12 Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 12
  • 13. 1 -- Enterprise Architecture Landscape Client Entry Server XML/HTML Server Business Authentication Server Server IBM Host Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 13
  • 14. 1 – Clean Enterprise Architecture Allows Reuse Produced by: 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 Produced by: 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 Produced by: 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 Produced by: 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 Produced by: 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 Produced by: 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 Produced by: 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 Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 21
  • 22. Directnet Mobile Banking Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 22
  • 23. iCP Interactive Client Presentations Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 23
  • 24. Outlook to the Future Technologies Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 24
  • 25. A Post PC World Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 25
  • 26. DXI MCP WES D-Line Data M-Tan XML Services P.Security Layer Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 26
  • 27. We are ready for the Future of Mobile Produced by: CREDIT SUISSE LEGAL NAME Date: Slide 27