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Microsoft Industry Reference ArchitectureMicrosoft Industry Reference Architecturefor Banking (MIRA-B)for Banking (MIRA-B)May 2012May 2012
MicrosoftMicrosoft®® Corporation Corporation
Microsoft Microsoft Industry Industry Reference Reference Architecture Architecture for for Banking Banking Worldwide Worldwide Financial Financial ServicesServices
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The intended audience of this document includes financial institution CTOs, The intended audience of this document includes financial institution CTOs, technical and businesstechnical and business
architects, consultants, financial services technology vendors and others who architects, consultants, financial services technology vendors and others who are involved inare involved in
making technology decisions within the banking industry. It assumes the reader is fammaking technology decisions within the banking industry. It assumes the reader is familiar withiliar with
business and IT operations in the banking business and IT operations in the banking industry.industry.
For further information and updates related to MIRA-B, please visitFor further information and updates related to MIRA-B, please visit www.microsoft.com/mira-bwww.microsoft.com/mira-b..
Microsoft welcomes feedback and suggestions related to Microsoft welcomes feedback and suggestions related to MIRA-B. Please email us atMIRA-B. Please email us at
[email protected]@microsoft.com..
Microsoft Microsoft Industry Industry Reference Reference Architecture Architecture for for Banking Banking Worldwide Worldwide Financial Financial ServicesServices
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ContentsContents
ForewordForeword .................................................................................................................................................................................................................................................. ............ 44
Introduction and Executive SummaryIntroduction and Executive Summary ....................................................................................................................................................................... . 55
Traditional Silos vs. Shared Service Integration ApproachTraditional Silos vs. Shared Service Integration Approach ................................................................................... 6................. 6
Microsoft Capabilities and Solutions in the Microsoft Capabilities and Solutions in the Financial Services IndustryFinancial Services Industry ...................... ............................... ......... 66
Microsoft Industry Reference Architecture for Banking (MIRA-B)Microsoft Industry Reference Architecture for Banking (MIRA-B) ........................................................................ 7...... 7
MIRA-B Business ViewMIRA-B Business View .............................................................................................................................................................................................................. ........ 88
Alignment of Business View to Solutions Alignment of Business View to Solutions and Capabilitiesand Capabilities ................................................................................. ............... 1010
Technology Forces Driving ArchitectureTechnology Forces Driving Architecture ................................................................................................................................................ ............ 1212
Framework for Banking SolutionsFramework for Banking Solutions ......................................................................................................................................................................... ....... 1515
Example scenariosExample scenarios............................................................................................................................................................................................................... ......... 1717
MIRA-B and Microsoft Platform CapabilitiesMIRA-B and Microsoft Platform Capabilities .......................................................................................................................................... ...... 2222
Technology Capabilities View of Microsoft Enterprise PlatformTechnology Capabilities View of Microsoft Enterprise Platform .......................................................................... ...... 2222
End User End User ExperienceExperience ......................................................................................................................................................................................................... . 2323
Application ServicesApplication Services ......................................................................................................................................................................................................... . 2525
Data ServicesData Services .................................................................................................................................................................................................................... ............ 2828
Infrastructure ServicesInfrastructure Services ..................................................................................................................................................................................... ............... 3030
Lifecycle ManagementLifecycle Management ..................................................................................................................................................................................... ............... 3333
Technology Capabilities ViewTechnology Capabilities View –– Microsoft Azure Platform Microsoft Azure Platform ................................................................................. ............... 3434
New Paradigms for Delivering Banking ApplicationsNew Paradigms for Delivering Banking Applications.............................................................................................................. .......... 3636
Industry Standardization of Banking ServicesIndustry Standardization of Banking Services ..................................................................................................................................... . 3636
Extending Application Architectures to the CloudExtending Application Architectures to the Cloud .............................................................................................................. .......... 3838
MIRA-BMIRA-B –– Developing a Services View of Developing a Services View of ArchitectureArchitecture ........................................................................................................ .... 3939
Microsoft Capabilities as Microsoft Capabilities as an Enabler of an Enabler of Industry-stanIndustry-standard Banking Servicesdard Banking Services ..................... 43 ..................... 43
Why Microsoft?Why Microsoft? ....................................................................................................................................................................................................................... ............... 4646
SummarySummary ................................................................................................................................................................................................................................................ .......... 4747
Appendix AAppendix A –– Big Data Big Data ......................................................................................................................................................................................................... . 4949
Appendix BAppendix B –– Innovative End User Experience Innovative End User Experience ................................................................................................................................... . 5050
Appendix CAppendix C –– Detailed Capability View Detailed Capability View .............................................................................................................................................. ............ 5454
Appendix DAppendix D –– Approach to Approach to Mission Critical ArchitecturesMission Critical Architectures ................................................................................................ .. 5757
Appendix EAppendix E –– Integrated Security Services Integrated Security Services .......................................................................................................................................... ...... 5858
Appendix FAppendix F –– Rapid Provisioning with Cloud Rapid Provisioning with Cloud ComputingComputing .......................... ................................................................... ....... 6060
Appendix GAppendix G –– BIAN Service Landscape BIAN Service Landscape .............................................................................................................................................. ............ 6161
Microsoft Microsoft Industry Industry Reference Reference Architecture Architecture for for Banking Banking Worldwide Worldwide Financial Financial ServicesServices
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Section ISection I
ForewordForeword
Yoshio Taniguchi, the famous Japanese architect who redesigned the Museum of Modern Art inYoshio Taniguchi, the famous Japanese architect who redesigned the Museum of Modern Art in
New York, was quoted as saying: “Architecture is basically a New York, was quoted as saying: “Architecture is basically a container ofcontainer of something. I hope theysomething. I hope they
will enjoy not so much the teacup, but the tea.”will enjoy not so much the teacup, but the tea.”11
Microsoft and its technology partners provide horizontal computing solutions and vertical industryMicrosoft and its technology partners provide horizontal computing solutions and vertical industry
applications to major financial services institutions around the world. As applications to major financial services institutions around the world. As our worldwide financialour worldwide financial
services team at Microsoft engages customers, partners, and industry analysts around services team at Microsoft engages customers, partners, and industry analysts around the worldthe world
we have derived a simple vision. That is: we have derived a simple vision. That is: “looking forward, financial institutions must be present in“looking forward, financial institutions must be present in
the financial lives of the financial lives of their customers any time, any place, on any their customers any time, any place, on any device, and across any channel,device, and across any channel,
and deliver value-added services in real-and deliver value-added services in real-time.”time.”
I want to I want to thank our valued customers, partners and analysts who we are privileged to serve on thank our valued customers, partners and analysts who we are privileged to serve on aa
daily basis. With your continued support we will daily basis. With your continued support we will together redefine the value being realized in thetogether redefine the value being realized in the
industry as we innovate together in financial services. The by-product of industry as we innovate together in financial services. The by-product of sound architecture is asound architecture is a
seamless customer expeseamless customer experience. As a result of our rience. As a result of our banking architecture work, I hope that ourbanking architecture work, I hope that our
banking customers as well as their customers enjoy not banking customers as well as their customers enjoy not so much the teacup, but so much the teacup, but the tea!the tea!
Joseph PaganoJoseph Pagano
Managing Director, Worldwide Banking & Capital Managing Director, Worldwide Banking & Capital MarketsMarkets
Microsoft CorporationMicrosoft Corporation
Supporting organisationsSupporting organisations
The following firms The following firms have provided endorsement for the MIRA-B have provided endorsement for the MIRA-B framework:framework:
11 Time Time magazine, 22 Nov 2004 magazine, 22 Nov 2004
Microsoft Microsoft Industry Industry Reference Reference Architecture Architecture for for Banking Banking Worldwide Worldwide Financial Financial ServicesServices
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Section IISection II
Introduction and Executive SummaryIntroduction and Executive Summary
The banking industry The banking industry is experiencing unprecedentis experiencing unprecedented change with ed change with some even questioning whethersome even questioning whether
it is it is possible for financial institutions to effectively serve customers, meet new regulatorypossible for financial institutions to effectively serve customers, meet new regulatory
requirementrequirements, and create is, and create innovative new business models and solutions nnovative new business models and solutions while sustainingwhile sustaining
profitability. Financial institutions are facing profitability. Financial institutions are facing competition from non-traditional players; for example,competition from non-traditional players; for example,
global retailers providing in-store banking global retailers providing in-store banking services, phone companies providing mobile financialservices, phone companies providing mobile financial
services, P2P payments firms taking services, P2P payments firms taking increasing share of the lucrative increasing share of the lucrative payments market, P2P onlinepayments market, P2P online
lending firms becoming more lending firms becoming more popular, and personal financial management firms offeringpopular, and personal financial management firms offering
aggregation solutions that sit between the customer and the financial institution. Suchaggregation solutions that sit between the customer and the financial institution. Such
disintermediation puts the financial institution further away disintermediation puts the financial institution further away from managing the customerfrom managing the customer
experience across channels.experience across channels.
It is safe to It is safe to say that with increasing Tier 1 say that with increasing Tier 1 capital requirementscapital requirements, declining margins, and increasing, declining margins, and increasing
operational costs, economics of operational costs, economics of the banking business must change. the banking business must change. ResearResearch from ch from Temenos hasTemenos has
shown that banking has the highest IT shown that banking has the highest IT cost as a percentage of total costs. cost as a percentage of total costs. This research estimateThis research estimatess
that 14% of costs in banking are IT related compared to a cross industry average of 7% caused bythat 14% of costs in banking are IT related compared to a cross industry average of 7% caused by
multiple factors including multiple factors including redundantredundant, outdated, and/or siloed , outdated, and/or siloed applications.applications.
22
In In response, Microsoftresponse, Microsoftsees a number of financial institutions deploying shared resource models, removing silos andsees a number of financial institutions deploying shared resource models, removing silos and
consolidating business processeconsolidating business processes, applications, and data to help bring s, applications, and data to help bring costs more in line andcosts more in line and
dramatically impact the cost income ratio. This is dramatically impact the cost income ratio. This is a major rationale for the creation of a major rationale for the creation of the Bankingthe Banking
Industry Architecture Network (BIAN) which Microsoft co-founded in 2008 along with Industry Architecture Network (BIAN) which Microsoft co-founded in 2008 along with banks suchbanks such
as ING and Credit Suisse. BIAN is as ING and Credit Suisse. BIAN is focused on creating an industry-standard by defining commonfocused on creating an industry-standard by defining common
business services for banking to simplify integration and reduce technology costs. Althoughbusiness services for banking to simplify integration and reduce technology costs. Although
increasing operational efficiency is a good business practice, it only increasing operational efficiency is a good business practice, it only buys time. Innovation whichbuys time. Innovation which
creates differentiatcreates differentiated customer experiences at scale must ed customer experiences at scale must be an equal be an equal partner on the agenda.partner on the agenda.
Reference architeReference architectures are an important tool ctures are an important tool that can help financial institutions modularize andthat can help financial institutions modularize and
align business and technology assets in a predictable way. By developing business referencealign business and technology assets in a predictable way. By developing business reference
architecturearchitectures, financial institutions are in s, financial institutions are in a position to start rationalizing and assigning a position to start rationalizing and assigning rolerole
ownership to various banking services which can then be ownership to various banking services which can then be consumed by other areas of the financialconsumed by other areas of the financialinstitution as needed.institution as needed. Such repeatability and modularity removes redundancy and as Such repeatability and modularity removes redundancy and as a resulta result
lowers costs and speeds up the flow lowers costs and speeds up the flow of information. It can also of information. It can also result in faster delivery of productsresult in faster delivery of products
to market, reduce operational risk, and improve the ability to market, reduce operational risk, and improve the ability to listen to customers. Rapidto listen to customers. Rapid
deployments for example, of multi-channel customer facing solutions can help capture newdeployments for example, of multi-channel customer facing solutions can help capture new
customers and perhaps entire new markets as they emerge.customers and perhaps entire new markets as they emerge.
Repeatable architeRepeatable architectures allow financial ctures allow financial institutions to diinstitutions to differentiafferentiate their products te their products and services andand services and
reuse commodity resources where efficiencies can be gained. Within the context of a commonreuse commodity resources where efficiencies can be gained. Within the context of a common
architecturaarchitectural framework this l framework this provides new levels of provides new levels of data, application, and business processdata, application, and business process
transparetransparency. ncy. Such Such transparetransparenncy significantly improves a financial institution’s ability cy significantly improves a financial institution’s ability to manageto manage
risk and understand the needs and wants of risk and understand the needs and wants of its customers.its customers.
22 Source: Tackling the Productivity Paradox (Temenos White Paper) Source: Tackling the Productivity Paradox (Temenos White Paper)
Microsoft Microsoft Industry Industry Reference Reference Architecture Architecture for for Banking Banking Worldwide Worldwide Financial Financial ServicesServices
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Traditional Silos vs. Shared Service Integration ApproachTraditional Silos vs. Shared Service Integration Approach
Application, data, and process silos still exist in Application, data, and process silos still exist in many banks. This increases the number of movingmany banks. This increases the number of moving
parts, results in inconsistent customer experiences, and increases operational risk as parts, results in inconsistent customer experiences, and increases operational risk as well aswell as
operational costs.operational costs.
Figure 1: Traditional Silo Figure 1: Traditional Silo vs. Shared Service Integrationvs. Shared Service Integration
An integrated platform aligned to a holistic An integrated platform aligned to a holistic architecture view can help break down process,architecture view can help break down process,
application, and data silos across the bank by application, and data silos across the bank by fostering a shared services and resource capability.fostering a shared services and resource capability.
The result can drive cross divisional insights The result can drive cross divisional insights and upsell capabilities, reduce cost and risks, andand upsell capabilities, reduce cost and risks, and
improve customer satisfaction.improve customer satisfaction.
Microsoft Capabilities and Solutions in the Microsoft Capabilities and Solutions in the Financial Services IndustryFinancial Services Industry
Microsoft is uniquely positioned to help Microsoft is uniquely positioned to help financial institutions address industry challengefinancial institutions address industry challenges ands and
opportunities by providing a comprehensive array of mission-critical IT solutions and capabilitiesopportunities by providing a comprehensive array of mission-critical IT solutions and capabilities
which span from the back-office to which span from the back-office to the front-office, device to the datacenter, on-premise, and inthe front-office, device to the datacenter, on-premise, and inthe cloud. Microsoft’s technologies are built for mission critical the cloud. Microsoft’s technologies are built for mission critical operations and are successfullyoperations and are successfully
deployed throughout many of deployed throughout many of the world’s largest financial institutions. These capabilities includethe world’s largest financial institutions. These capabilities include
highly scalable server and highly scalable server and client infrastructure, secure data and application platforms, Big client infrastructure, secure data and application platforms, Big DataData
and predictive customer analytics, ultra-low land predictive customer analytics, ultra-low latency OS-level support, productivity, CRM/xRM,atency OS-level support, productivity, CRM/xRM,
workflow and collaboration, as well as the connected workflow and collaboration, as well as the connected user experience both on premise and in user experience both on premise and in thethe
cloud. Such capabilities are the foundation for Microsoft and cloud. Such capabilities are the foundation for Microsoft and its extensive ecosystem of industryits extensive ecosystem of industry
partners in the areas of Sales & Service, Digital Marketing, Governance, Risk, & Compliance,partners in the areas of Sales & Service, Digital Marketing, Governance, Risk, & Compliance,
Business Insights and Business Insights and Operations.Operations.
Microsoft Microsoft Industry Industry Reference Reference Architecture Architecture for for Banking Banking Worldwide Worldwide Financial Financial ServicesServices
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Figure 2: Alignment of Microsoft Platform to Partner SolutionsFigure 2: Alignment of Microsoft Platform to Partner Solutions
Microsoft Industry Reference Architecture for Banking (MIRA-B)Microsoft Industry Reference Architecture for Banking (MIRA-B)
The Microsoft Industry Reference Architecture for Banking The Microsoft Industry Reference Architecture for Banking (MIRA-B) depicts a banking (MIRA-B) depicts a banking architecturearchitecture
based-based-on Microsoft’s technology platform andon Microsoft’s technology platform and services. MIRA-B provides a logical services. MIRA-B provides a logical architecturaarchitecturallpoint of view point of view for financial institutions to use for financial institutions to use for planning purposes. This begins with a businessfor planning purposes. This begins with a business
architecture view (aligned to the work of architecture view (aligned to the work of BIAN) of the vertical lines of BIAN) of the vertical lines of the banking business andthe banking business and
aligns those to aligns those to a logical banking a logical banking technology architecture leveratechnology architecture leveraging platform ging platform and infrastructureand infrastructure
services for on-premise and cloud services for on-premise and cloud deployments of banking application services.deployments of banking application services.
Figure 3: MIRA-B Document FlowFigure 3: MIRA-B Document Flow
Beyond the elements of Beyond the elements of the MIRA-B reference architecture, Microsoft also recognizes that missionthe MIRA-B reference architecture, Microsoft also recognizes that mission
critical solution deployments in financial services require much more than just critical solution deployments in financial services require much more than just technical capability.technical capability.
Microsoft advocates that the appropriate process, people and Microsoft advocates that the appropriate process, people and governance around financialgovernance around financial
services solutions is also vital. This topic is explored in more detail inservices solutions is also vital. This topic is explored in more detail in Appendix DAppendix D –– Approach to Approach to
Mission Critical Mission Critical ArchitecturesArchitectures
Microsoft Microsoft Industry Industry Reference Reference Architecture Architecture for for Banking Banking Worldwide Worldwide Financial Financial ServicesServices
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Section IIISection III
MIRA-B Business ViewMIRA-B Business View
This section of the This section of the architecture presarchitecture presents a technology agnostic, business view of ents a technology agnostic, business view of bankingbanking
operations. This business view is used in operations. This business view is used in this document as a backdrop to this document as a backdrop to highlight Microsofthighlight Microsoft
platform and partner capabilities and how they can be platform and partner capabilities and how they can be used within a financial institution’sused within a financial institution’s
technology architecture framework.technology architecture framework.
It is vitally It is vitally important to recognize the interrelation of business operations with technologyimportant to recognize the interrelation of business operations with technology
architecturearchitecture. The two . The two cannot be considered in isolation; they are very tightly cannot be considered in isolation; they are very tightly connected. Inconnected. In
accordance with the practices set forward by BIAN, Microsoft also accordance with the practices set forward by BIAN, Microsoft also recommends that financialrecommends that financial
institutions first consider a business architecture view of the banking environment. Optimalinstitutions first consider a business architecture view of the banking environment. Optimal
efficiencies and savings occur efficiencies and savings occur when the business processes are transformed and supported by when the business processes are transformed and supported by thethe
new technology new technology architecturearchitecture..
The business architecture maps out a view of The business architecture maps out a view of banking capabilities and services that will allow forbanking capabilities and services that will allow for
strategic growth. In this it strategic growth. In this it is important to recognize that the nature of is important to recognize that the nature of banking and the waybanking and the way
banking products are delivered has shifted dramatically since the 1980s and early banking products are delivered has shifted dramatically since the 1980s and early 1990s. In the1990s. In the
past products were typically defined by the capabilities of past products were typically defined by the capabilities of legacy banking systems, with the branchlegacy banking systems, with the branchbeing the service channel. Financial institutions offered services based on what could bebeing the service channel. Financial institutions offered services based on what could be
processed rather than what customers needeprocessed rather than what customers needed. That has now d. That has now changed with the ability changed with the ability to deliverto deliver
banking services through multiple channels and devices; and as a result a plethora of banking services through multiple channels and devices; and as a result a plethora of newnew
channels and banking products have been created within any given ichannels and banking products have been created within any given institution since the latenstitution since the late
1990s.1990s.
Microsoft recognizes that no two financial institutions are the same in Microsoft recognizes that no two financial institutions are the same in terms of market focus,terms of market focus,
segmentation, nor the respective deployment of technology. However, the logicsegmentation, nor the respective deployment of technology. However, the logical diagram inal diagram in
figure 4 shows a figure 4 shows a layered architecture for a ‘Universal Banking’ business that covers five mainlayered architecture for a ‘Universal Banking’ business that covers five main
market segments. This is shown for completeness, but few financial institutions in market segments. This is shown for completeness, but few financial institutions in any givenany given
market will operate in all market will operate in all five segments.five segments.
Market Market Segment Segment DescriptionDescriptionInvestment Investment Banking Banking This This segment segment services services corporations, corporations, other other financial financial institutions institutions andand
governments with raising funds via capital markets. Additional offerings includegovernments with raising funds via capital markets. Additional offerings include
trading and investment services.trading and investment services.
Commercial Commercial and and Business Business Banking Banking These These services services are are offered offered to to larger larger domestic domestic and and multi-namulti-national tional commercialcommercial
clients and include payments and cash management, trade services, andclients and include payments and cash management, trade services, and
liquidity management.liquidity management.
Retail Retail Banking Banking This This represents represents the the mainstream mainstream consumer consumer banking banking segment segment for for individuals individuals andand
small businesses. Typical products are checking (current) accounts and savings,small businesses. Typical products are checking (current) accounts and savings,
credit and debit cards and consumer loans.credit and debit cards and consumer loans.
Wealth Wealth Management Management This This represents represents private private banking banking and and wealth wealth management management services services for for high high netnet
worth clients. Typical products offered are portfolio management andworth clients. Typical products offered are portfolio management and
investment serviceinvestment services as s as well as financial planning and well as financial planning and advice.advice.
Life Life and and Annuity Annuity Insurance Insurance Products Products and and services services would would typically typically include include life life insurance, insurance, accident, accident, healthhealth
and annuities.and annuities.
Non-Life Non-Life Insurance Insurance Non-life Non-life insurance insurance products products and and services services would would typically typically include include property property andandcasualty, and be offered to consumers and corporations.casualty, and be offered to consumers and corporations.
Microsoft Microsoft Industry Industry Reference Reference Architecture Architecture for for Banking Banking Worldwide Worldwide Financial Financial ServicesServices
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Figure 4: MIRA-B Business ViewFigure 4: MIRA-B Business View
Microsoft Microsoft Industry Industry Reference Reference Architecture Architecture for for Banking Banking Worldwide Worldwide Financial Financial ServicesServices
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Referring to figure 4, the business architecture of a Referring to figure 4, the business architecture of a financial institution is effectively segmentedfinancial institution is effectively segmented
into four groups: Sales and Service, Governance Risk and Compliance (GRC), Core Processing, andinto four groups: Sales and Service, Governance Risk and Compliance (GRC), Core Processing, and
Corporate Operations. This refers to products, functions Corporate Operations. This refers to products, functions and business services rather than specificand business services rather than specific
processing applications or technology environments. For this processing applications or technology environments. For this reason, delivery channels are notreason, delivery channels are not
explicitly identified at this level although the explicitly identified at this level although the function of channel management is.function of channel management is.
Business Business ArchitectuArchitecturere
StrataStrata
DescriptionDescription
Sales, Service,Sales, Service,
Marketing, andMarketing, and
Product ManagementProduct Management
This layer defines the products and services offered to customer entities by a financialThis layer defines the products and services offered to customer entities by a financial
institution, and isinstitution, and is also referred to here as the “front office”, or “order placement” Figure 4also referred to here as the “front office”, or “order placement” Figure 4
shows how the products are aligned across distinct banking segments and customers.shows how the products are aligned across distinct banking segments and customers.
This list includes (but is not limited to): consumers, corporations, public sectorThis list includes (but is not limited to): consumers, corporations, public sector
departments and agencies, broker/dealers, and other financial institutions. Each customerdepartments and agencies, broker/dealers, and other financial institutions. Each customer
group will be offered a different suite of products and delivery channelsgroup will be offered a different suite of products and delivery channels
Risk ManagementRisk Management
and GRCand GRC
Often referred to as the “midOften referred to as the “mid--office,” this layer consists of common business supoffice,” this layer consists of common business supportport
services for risk management, governance, operational security and compliance. Theseservices for risk management, governance, operational security and compliance. These
services have an enterprise focus regardless of industry segment, product offerings andservices have an enterprise focus regardless of industry segment, product offerings and
operational processes.operational processes.
Core Core Processing Processing This This layer layer of of the the business business architecture architecture defines defines operational operational functions, functions, those those essential essential to to thethe
business of financial services. Functions in this segment are not customer-facing. Thesebusiness of financial services. Functions in this segment are not customer-facing. These
are business operations areas focused on transaction processing and execution. Someare business operations areas focused on transaction processing and execution. Some
services are vertical specific (such as insurance policy admin and claims processing),services are vertical specific (such as insurance policy admin and claims processing),
whereas others are functionally common across different vertical segments (such as G/Lwhereas others are functionally common across different vertical segments (such as G/L
posting and billing) but in reality would likely require separate instantiations. Additionalposting and billing) but in reality would likely require separate instantiations. Additionalcommon functions and processing services (such as customer management andcommon functions and processing services (such as customer management and
payments processing) will support all vertical lines of business.payments processing) will support all vertical lines of business.
Corporate Operations Corporate Operations These functions These functions have less have less to to do do with the with the business of business of banking and banking and are focused are focused onon
corporate support functions within the organization. As such these services are verycorporate support functions within the organization. As such these services are very
horizontal in nature and include the horizontal in nature and include the financial institution’s ERP functions, HR, vendorfinancial institution’s ERP functions, HR, vendor
management etc.management etc.
By developing business reference architeBy developing business reference architectures, financial institutions are in a position ctures, financial institutions are in a position to startto start
rationalizing and assigning role ownership to various banking services which can then berationalizing and assigning role ownership to various banking services which can then be
consumed by other areas of the financial institution as consumed by other areas of the financial institution as needed. This supports the concept ofneeded. This supports the concept of
shared services. Shareshared services. Shared services are commonly thought of d services are commonly thought of in technical terms (e.g. XML webin technical terms (e.g. XML web
services), but are just as important in operations functions, processes, and the allocation ofservices), but are just as important in operations functions, processes, and the allocation of
resources. Business transforresources. Business transformation and technology architecture go mation and technology architecture go hand in hand in hand.hand.
Alignment of Business View to Alignment of Business View to Solutions and CapabilitiesSolutions and Capabilities
Microsoft and its financial services technology partners offer solutions for the business areas ofMicrosoft and its financial services technology partners offer solutions for the business areas of
Sales & Service, GRC, Sales & Service, GRC, Core Processing and Corporate Services. Every one oCore Processing and Corporate Services. Every one of these businessf these business
Shared Service ExampleShared Service Example
In many countries certain banking transactions must be screened against a government issued list of blockedIn many countries certain banking transactions must be screened against a government issued list of blocked
customers and counterparties. In the USA this is known as the Office of Foreign Assets Control (OFAC) watch list.customers and counterparties. In the USA this is known as the Office of Foreign Assets Control (OFAC) watch list.
Business processes to which this screening process applies include deposit account opening, credit card issuing,Business processes to which this screening process applies include deposit account opening, credit card issuing,
and high and low value payment processing. In the past multiple applications from various business units wouldand high and low value payment processing. In the past multiple applications from various business units would
have performed this task, leading to redundancy in processing, and a high chance of inconsistency. By assigninghave performed this task, leading to redundancy in processing, and a high chance of inconsistency. By assigning
this as a shared service, an enterprise-wide view of screening can be made available to departments (andthis as a shared service, an enterprise-wide view of screening can be made available to departments (and
systems) as needed. As discussed earlier, reaping the benefits requires a service-based approach to businesssystems) as needed. As discussed earlier, reaping the benefits requires a service-based approach to business
operations and technology.operations and technology.
Microsoft Microsoft Industry Industry Reference Reference Architecture Architecture for for Banking Banking Worldwide Worldwide Financial Financial ServicesServices
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solutions is enabled by the Microsoft solutions is enabled by the Microsoft platform capabilities from systems developmeplatform capabilities from systems development tont to
managementmanagement, data, applications, and , data, applications, and user experience. This is iluser experience. This is il lustrated in the following lustrated in the following diagram.diagram.
Figure 5: Microsoft Capabilities Mapped to Figure 5: Microsoft Capabilities Mapped to Business Solution AreasBusiness Solution Areas
This is another area where Microsoft and its This is another area where Microsoft and its partners deliver key differentiatpartners deliver key differentiation; the ability ion; the ability toto
provide end to end provide end to end platform services and business solutions baseplatform services and business solutions based-on a cod-on a cost-efficienst-efficient, highly-t, highly-
integrated Microsoft platform. Microsoft and its partners can deliver mission critical bankingintegrated Microsoft platform. Microsoft and its partners can deliver mission critical banking
operations at scale that operations at scale that provide the optimized customer experience, enhanced insight andprovide the optimized customer experience, enhanced insight and
collaboration capabilities intended to lower TCO.collaboration capabilities intended to lower TCO.
Microsoft Microsoft Industry Industry Reference Reference Architecture Architecture for for Banking Banking Worldwide Worldwide Financial Financial ServicesServices
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Section IVSection IV
Technology Forces Driving ArchitectureTechnology Forces Driving Architecture
Financial services industry institutions are under Financial services industry institutions are under significant pressure to modernize due to significant pressure to modernize due to businessbusiness
and technology drivers. Encumbering these efforts is the fact that many financial and technology drivers. Encumbering these efforts is the fact that many financial institutions areinstitutions are
constrained by outdated, inflexible and constrained by outdated, inflexible and redundant technology architectureredundant technology architectures and s and systems whichsystems which
were built over-time to were built over-time to support silo operations processes and data. Microsoft believes support silo operations processes and data. Microsoft believes that thethat the
majority of technology funding for majority of technology funding for banking applications is allocated to integration andbanking applications is allocated to integration and
maintenance theremaintenance therefore leaving little budget or fore leaving little budget or time for innovation and new time for innovation and new product development.product development.
In addition to In addition to legacy challenges, the pace of change in technology continuously accelerates, andlegacy challenges, the pace of change in technology continuously accelerates, and
so the following trends must also be so the following trends must also be accommodateaccommodated by d by the reference architethe reference architecture:cture:
Progression of banking architectures to Progression of banking architectures to industry standards and cloud computingindustry standards and cloud computing
Microsoft sees the next architecture wave asMicrosoft sees the next architecture wave as standardizing banking IT services with an industrystandardizing banking IT services with an industry
view and extending architectures through the use view and extending architectures through the use of cloud of cloud computing. These are fundamentalcomputing. These are fundamental
drivers in banking drivers in banking reference architereference architecture as they cture as they enable processes and services to beenable processes and services to be
distributed at an industry level, not just within the walls of a datacenter or confines of adistributed at an industry level, not just within the walls of a datacenter or confines of a
financial institution’s network. As financial institutions focus on strategic priorities, anfinancial institution’s network. As financial institutions focus on strategic priorities, anarchitecture that enables industry standard services and integration of architecture that enables industry standard services and integration of cloud-based servicescloud-based services
will facilitate the strategic sourcing of business functions. For will facilitate the strategic sourcing of business functions. For more information seemore information see Section VIISection VII
- New Paradigms for - New Paradigms for Delivering Banking ApplicationsDelivering Banking Applications..
oo Development of Industry Standard Service DefinitionsDevelopment of Industry Standard Service Definitions –– First generation SOA initiatives First generation SOA initiatives
in the banking industry helped to in the banking industry helped to reduce integration cost and complexity, but thereduce integration cost and complexity, but the
benefits were limited because the resulting services which were defined in eachbenefits were limited because the resulting services which were defined in each
financial institution were essentially “proprietary” instead of financial institution were essentially “proprietary” instead of aligned with an aligned with an industryindustry
standard. With this approach SOA standard. With this approach SOA initiatives have, in essence, been reinvented forinitiatives have, in essence, been reinvented for
each financial institution due to limited each financial institution due to limited best practices for guidance and nobest practices for guidance and no
standardized integration of packaged standardized integration of packaged solutions.solutions.
Microsoft advocates the development of iMicrosoft advocates the development of industry-wide architecture standandustry-wide architecture standards forrds forbanking IT services to promote interoperability and to reduce integration costs acrossbanking IT services to promote interoperability and to reduce integration costs across
the banking industry. To this the banking industry. To this end, Microsoft is a founding member and end, Microsoft is a founding member and activeactive
contributor of two contributor of two key industry architecture bodies: the Banking key industry architecture bodies: the Banking Industry ArchitectureIndustry Architecture
Network (BIAN) and the Interactive eXchange Forum (IFX). In concert, these twoNetwork (BIAN) and the Interactive eXchange Forum (IFX). In concert, these two
standards organizations provide complementastandards organizations provide complementary capabilities and ry capabilities and roadmap to enableroadmap to enable
an industry standard banking integration architecture.an industry standard banking integration architecture.
oo Progression to Cloud-based platformsProgression to Cloud-based platforms –– The highly The highly automateautomated, self-service, andd, self-service, and
elastic-scaling characteristielastic-scaling characteristics ocs of cloud f cloud technology creates unprecedentedtechnology creates unprecedented
opportunities for cost savings and efficiency for infrastructure and bankingopportunities for cost savings and efficiency for infrastructure and banking
applications. The cloud also enables new business models and access to new applications. The cloud also enables new business models and access to new marketmarket
segments or ultra-low margin businesses that may segments or ultra-low margin businesses that may have been cost-prohibitive in have been cost-prohibitive in thethe
past. However, based-on evolving past. However, based-on evolving regulatorregulatory and y and business requirements, financialbusiness requirements, financial
institutions need the flexibility to leverage different combinations of public cloud,institutions need the flexibility to leverage different combinations of public cloud,
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private cloud, as private cloud, as well traditional datacenter computing services. Microsoft provideswell traditional datacenter computing services. Microsoft provides
financial institutions with an integrated, and growing, set of financial institutions with an integrated, and growing, set of capabilities that can becapabilities that can be
developed, deployed, and managed consistently across on-premise and cloud developed, deployed, and managed consistently across on-premise and cloud basedbased
computing resources to provide flexibility and a compelling TCO.computing resources to provide flexibility and a compelling TCO.
Data ExplosionData Explosion –– big data, big data, big challenges, and big opportunitiesbig challenges, and big opportunities
Financial services is one of the Financial services is one of the most data-intensive industries. Inmost data-intensive industries. In addition to the addition to the retentionretention
requiremerequirements for application data and nts for application data and the electronic imaging and storage of paper substitutesthe electronic imaging and storage of paper substitutes(billions of checks, for example), financial institutions must deal with (billions of checks, for example), financial institutions must deal with and manage data fromand manage data from
externaexternal l sources. Financialsources. Financial institutions also need to institutions also need to see ‘between the applications’see ‘between the applications’ and and
interpret unstructureinterpret unstructured and d and social data to social data to gain advanced operational insights. Huge quantitiesgain advanced operational insights. Huge quantities
of data, the of data, the disparate applications and systems, latent information delivery and error-pronedisparate applications and systems, latent information delivery and error-prone
manual processes impede financiamanual processes impede financial institutions from gaining l institutions from gaining a holistic view of a holistic view of the business, itsthe business, its
risk exposure, and customers. For information regarding Microsoft Big Data solutions, visitrisk exposure, and customers. For information regarding Microsoft Big Data solutions, visit
online atonline at http://www.microshttp://www.microsoft.com/sqlseroft.com/sqlserver/en/us/sver/en/us/solutions-technologiesolutions-technologies/business-/business-
intelligence/big-data-solution.aspxintelligence/big-data-solution.aspx..
The ‘ConsumerizationThe ‘Consumerization’ of ’ of IT (CoIT)IT (CoIT)
Enterprises have fallen behind in Enterprises have fallen behind in technology innovations compared to consumers who technology innovations compared to consumers who areare
adopting technology at a record pace, and demanding to adopting technology at a record pace, and demanding to use their personal devices in theuse their personal devices in the
workplace. With this rapid technology workplace. With this rapid technology adoption by consumers, new expectations have adoption by consumers, new expectations have spreadspreadto the enterprise to provide technologies that enable employees to perform their job with ato the enterprise to provide technologies that enable employees to perform their job with a
myriad of devices and in myriad of devices and in a more natural, collaborative working model. This is not a more natural, collaborative working model. This is not easilyeasily
accomplished since many devices used are for consumers and not designed for accomplished since many devices used are for consumers and not designed for the rigors ofthe rigors of
banking data security banking data security requiremerequirements. However, Microsoft has nts. However, Microsoft has cross-platform development toolscross-platform development tools
and productivity applications (e.g. Office, Lync and productivity applications (e.g. Office, Lync Mobile communicator, SharePoint) as well asMobile communicator, SharePoint) as well as
capabilities and guidance for supporting CoIT in capabilities and guidance for supporting CoIT in the banking enterprise with secure Windowsthe banking enterprise with secure Windows
devices as well devices as well as other, non-Windows consumer devices. For detailed planning as other, non-Windows consumer devices. For detailed planning informationinformation
seesee Appendix B - Innovative End User ExperienceAppendix B - Innovative End User Experience,, or v or visit Windows Enterprise online atisit Windows Enterprise online at
http://www.http://www.microsoft.com/en-us/microsoft.com/en-us/windows/entwindows/enterprise/customeerprise/customer-stories/consur-stories/consumerization-of-merization-of-
it.aspxit.aspx and download the white paperand download the white paper Strategies for Embracing Strategies for Embracing ConsumerizaConsumerization tion at at
http://downloahttp://download.microsoft.com/dowd.microsoft.com/download/E/F/5/EF5nload/E/F/5/EF5F8B95-5E27-4CDB-860F-F8B95-5E27-4CDB-860F-
F982E5B714B0/StraF982E5B714B0/Strategies%20for%tegies%20for%20Embracing%20Consu20Embracing%20Consumerization.pdf merization.pdf ..
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Figure 6: Access Management Solutions for Remote DevicesFigure 6: Access Management Solutions for Remote Devices
Expanded and Integrated Platform CapabilitiesExpanded and Integrated Platform CapabilitiesThis is the foundation that enables collaborative applications to be This is the foundation that enables collaborative applications to be developed across thedeveloped across the
widest possible base of users, and supports the development and integration of cloud widest possible base of users, and supports the development and integration of cloud and on-and on-
premise technologies.premise technologies. Microsoft’s innovative enterprise platform enables more Microsoft’s innovative enterprise platform enables more actionable andactionable and
collaborative business processescollaborative business processes. A . A keykey differentiator is the breadth of capabilities and level ofdifferentiator is the breadth of capabilities and level of
pre-built integration within Microsoft products pre-built integration within Microsoft products . The Microsoft . The Microsoft platform has extendedplatform has extended
capabilities at each layer of the technology stack capabilities at each layer of the technology stack whethewhether it is r it is for lifecycle management,for lifecycle management,
mission critical OLTP, high-volume mission critical OLTP, high-volume integration, enhanceintegration, enhanced application services includingd application services including
collaboration, productivity, and data insights, or collaboration, productivity, and data insights, or delivering a modern end-user experiencedelivering a modern end-user experience
across devices. For example; integrated communication and social across devices. For example; integrated communication and social collaboration, near real-collaboration, near real-
time analytics, integrated security models etc.time analytics, integrated security models etc. To compare this to To compare this to other industries, theother industries, the
automotive industry learnautomotive industry learned a long time ago that they do not need to ed a long time ago that they do not need to build all the parts of abuild all the parts of a
product in order to sell product in order to sell it. In banking, project finance and it. In banking, project finance and re-insurance are examplere-insurance are examples of shareds of shared
services. In such an services. In such an environment, integraenvironment, integration tools tion tools and standards like SWIFT enable integrationand standards like SWIFT enable integrationof shared financial services.of shared financial services. To learn more about how To learn more about how Microsoft’s capabilities, serMicrosoft’s capabilities, services andvices and
partners are powering banking enterprises worldwide, visit online atpartners are powering banking enterprises worldwide, visit online at
www.microsoft.com/financialserviceswww.microsoft.com/financialservices..
As a consequence of these challenges and trends financial institutions need to rethink technologyAs a consequence of these challenges and trends financial institutions need to rethink technology
investments to keep up investments to keep up with market pressures.with market pressures.
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Section VSection V
Framework for Banking SolutionsFramework for Banking Solutions
Reducing cost and complexity in the Reducing cost and complexity in the banking enterprise and introducing new technologybanking enterprise and introducing new technology
capabilities can be achieved by leveraging Microsoft platform and partner ecosystem. This sectioncapabilities can be achieved by leveraging Microsoft platform and partner ecosystem. This section
will highlight the capabilities and differentiation of the will highlight the capabilities and differentiation of the Microsoft platform and highlight how theMicrosoft platform and highlight how the
Microsoft platform “stack” aligns into a Microsoft platform “stack” aligns into a Logical Banking Technology ArchitectureLogical Banking Technology Architecture. Sample process. Sample process
scenarios are included to provide examples of how banks scenarios are included to provide examples of how banks can leverage capabilities to improve thecan leverage capabilities to improve the
customer experience while increascustomer experience while increasing insights from data and reducing ing insights from data and reducing risk and complexity. Thisrisk and complexity. This
section helps align the technology architectures and positions the reader for deeper details ofsection helps align the technology architectures and positions the reader for deeper details of
Microsoft platform capabilities which follow in subsequent sections of this Microsoft platform capabilities which follow in subsequent sections of this document. To seedocument. To see
Microsoft products mapped to this diagram, refer to Appendix C.Microsoft products mapped to this diagram, refer to Appendix C.
Figure 7: MIRA-B Logical Technology ArchitectureFigure 7: MIRA-B Logical Technology Architecture
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Figure 8: Figure 8: Logical Banking Technology ArchitectureLogical Banking Technology Architecture
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The platform enables integration to other systems through a wide-array ofThe platform enables integration to other systems through a wide-array of industry-standardindustry-standard
integration integration interfaces and techniques. By aligning to industry interfaces and techniques. By aligning to industry standards such as ISO, BIAN, andstandards such as ISO, BIAN, and
IFX, Microsoft believes the cost and complexity of IFX, Microsoft believes the cost and complexity of integrating, managing and maintainingintegrating, managing and maintaining
business solutions can be further reduced in the banking business solutions can be further reduced in the banking industry.industry.
Robust capabilities in the Microsoft platform are industry leading. The Microsoft platform andRobust capabilities in the Microsoft platform are industry leading. The Microsoft platform and
partners provide a robust set ofpartners provide a robust set of capabilities across the IT lifecycle capabilities across the IT lifecycle –– spanning from the spanning from the
mission-critical datacenmission-critical datacenter to the end-user device both ter to the end-user device both in bank datacenters and the cloud.in bank datacenters and the cloud.
Microsoft’s core infrastructure services provide the foundation ofMicrosoft’s core infrastructure services provide the foundation of Enterprise IT lifecycleEnterprise IT lifecycle
management and computing operations management and computing operations while the cutting while the cutting edge application services, businesedge application services, businesss
productivity, and data services provide the platform for creating the applications that deliversproductivity, and data services provide the platform for creating the applications that delivers
thethe next-genernext-generation ation customer experience customer experience ..
Microsoft products areMicrosoft products are highly highly integrateintegrated d , making the value of the holistic platform much more, making the value of the holistic platform much more
valuable than the individual valuable than the individual components. Since most business solutions require multiplecomponents. Since most business solutions require multiple
capabilities to address a capabilities to address a specific challenge, often the integration of specific challenge, often the integration of these capabilities becomesthese capabilities becomes
a key cost a key cost and time factor both initially and time factor both initially and over the long-term. Microsoft delivers a keyand over the long-term. Microsoft delivers a key
differentiatdifferentiator by or by having the broad set of chaving the broad set of capabilities it possesses in a highly-integratedapabilities it possesses in a highly-integrated
platform. This can reduce the matrix of integration points an platform. This can reduce the matrix of integration points an enterprise neeenterprise needs to ids to implementmplement
and maintain, thus freeing up more budget for and maintain, thus freeing up more budget for innovation.innovation.
MicrosoftMicrosoft Mission-critical data platform Mission-critical data platform can support very-large transaction volumes for the can support very-large transaction volumes for the
mission critical workloads in banking. The economics of mission critical workloads in banking. The economics of running mission critical processes andrunning mission critical processes and
transaction are very compelling on the Microsoft platform; which is transaction are very compelling on the Microsoft platform; which is being used to run stockbeing used to run stock
exchanges such asexchanges such as DirectEdgeDirectEdge in the US, and to in the US, and to replace mainframereplace mainframes for core s for core banking such asbanking such as
in the case of in the case of SDCSDC and in aand in a growing number of mission critical solutions across the industrygrowing number of mission critical solutions across the industry..
The SQL Server 2012 pre-release version wasThe SQL Server 2012 pre-release version was recently benchmarked with Temenos T24 corerecently benchmarked with Temenos T24 core
banking and HPbanking and HP delivering 11,500 transactions per second odelivering 11,500 transactions per second on commodity hardware.n commodity hardware.
Microsoft is aMicrosoft is a leading provider of Data leading provider of Data and Business Intelligence platformsand Business Intelligence platforms providing a robust,providing a robust,
end-to-end data, analytics and collaboration platform. The platform end-to-end data, analytics and collaboration platform. The platform provides Master Dataprovides Master Data
Management (MDM), Data Quality Services (DQS) and pre-defined BI sematic metadataManagement (MDM), Data Quality Services (DQS) and pre-defined BI sematic metadata(BISM) which overlay BI (BISM) which overlay BI capabilities delivered via pre-tuned data warehouse configurations,capabilities delivered via pre-tuned data warehouse configurations,
near real-time analytics delivered through High-Performance technical Computing (HPC) andnear real-time analytics delivered through High-Performance technical Computing (HPC) and
Complex Event ProcessComplex Event Processing (CEP), and the platform is pre-integrated ing (CEP), and the platform is pre-integrated into the scorecard andinto the scorecard and
collaboration platform (SharePoint) that helps collaboration platform (SharePoint) that helps data consumers discover, understand, sharedata consumers discover, understand, share
and collaborate related to specific data. In addition, a Hadoop distribution and and collaborate related to specific data. In addition, a Hadoop distribution and connectorsconnectors
running on Windows and on running on Windows and on Windows Azure (public cloud) are onWindows Azure (public cloud) are on Microsoft’s roadmap toMicrosoft’s roadmap to
effectively analyze Big Data such as social feeds and other sources of effectively analyze Big Data such as social feeds and other sources of big data.big data.
Example scenariosExample scenarios
The following scenarios provide examples how The following scenarios provide examples how banks can leverage capabilities to banks can leverage capabilities to improve theimprove the
customer experience, while increasing insights from data, and customer experience, while increasing insights from data, and reducing risk and reducing risk and complexity. Thecomplexity. The
following scenarios will help to following scenarios will help to highlight how Microsoft and partner capabilities are leveraged tohighlight how Microsoft and partner capabilities are leveraged to
address next-geaddress next-generation banking scenarneration banking scenarios. ios. The first scenario is an enhanced multichanneThe first scenario is an enhanced multichannellcustomer experience and the second scenario exemplifies how customer experience and the second scenario exemplifies how Microsoft technologies can helpMicrosoft technologies can help
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banks leverage and manage the exploding banks leverage and manage the exploding volume of volume of data produced across the transactional,data produced across the transactional,
analytical, and reference data.analytical, and reference data.
Scenario OneScenario One –– Enhancing the Enhancing the Multichannel Customer ExperienceMultichannel Customer Experience
Excellent customer service is at the center of growth strategies for banks Excellent customer service is at the center of growth strategies for banks globally. Banks aspire toglobally. Banks aspire to
improve existing sales and servicing improve existing sales and servicing processes and implement new capabilities to be processes and implement new capabilities to be moremore
relevant and accommodating to customers. Significant focus is being placed on providingrelevant and accommodating to customers. Significant focus is being placed on providing
seamless and immersive experiences across multiple channels while capturing data about seamless and immersive experiences across multiple channels while capturing data about thetheinteraction, customer intentions and preferences to be interaction, customer intentions and preferences to be more relevant in customer interactions.more relevant in customer interactions.
Jane, a homeowner is shopping to refinance her home. She begins her experience online on a slate, moves to aJane, a homeowner is shopping to refinance her home. She begins her experience online on a slate, moves to a
contact center via chat session, and concludes the experience with a loan advisor in a local branch.contact center via chat session, and concludes the experience with a loan advisor in a local branch.
STEP STEP Process Process Description Description Capabilities Capabilities & & Microsoft Microsoft SolutionSolution
ComponentsComponents
1 1 Jane Jane is is browsing browsing the the internet internet to to shop shop for for a a refinance refinance on on herher
home to take advantage of the favorable interest rates. Shehome to take advantage of the favorable interest rates. She
does a search and finds options for mortgages anddoes a search and finds options for mortgages and
refinancing. Jane selects a bank whose link is near the top ofrefinancing. Jane selects a bank whose link is near the top of
the search results.the search results.
Search Engine Optimization Search Engine Optimization capabilitiescapabilities
provided by Web Development tools.provided by Web Development tools.
Microsoft Web PlatformMicrosoft Web Platform
Application PlatformApplication Platform
Internet ExplorerInternet Explorer
Visual StudioVisual Studio
Bing SearchBing Search
2 2 Jane Jane clicks clicks the the link link to to a a banking banking site site for for more more information.information.
When she lands on the banking site, she is presented with anWhen she lands on the banking site, she is presented with anadvertisemeadvertisement offering a nt offering a re-finance which is the topic shere-finance which is the topic she
searched online-for. While shesearched online-for. While she could could go directly to this offer, go directly to this offer,
she wants to explore the site and see if she can find moreshe wants to explore the site and see if she can find more
information before applying for the offerinformation before applying for the offer
Personalization Personalization parameters are derived parameters are derived
from online search referral. Thefrom online search referral. Theparameters are passed to theparameters are passed to the online portalonline portal
technology technology which serves-up the which serves-up the
personalized content as part of a seamlesspersonalized content as part of a seamless
online experience.online experience.
SharePoint for Internet SitesSharePoint for Internet Sites
Bing SearchBing Search
3 3 With With customers customers like like Jane Jane accustomed accustomed to to searching searching online,online,
she notices a clearly marked search window on the bankshe notices a clearly marked search window on the bank
website and uses this to search for re-financing options atwebsite and uses this to search for re-financing options at
the bank.the bank.
The website’s superiorThe website’s superior search capabilities search capabilities
help users find the information they seekhelp users find the information they seek
before abandoning purchases. A superiorbefore abandoning purchases. A superior
search experience provides the ability tosearch experience provides the ability to
quickly find results, refine and quickly find results, refine and expandexpand
searches, as well as provide feedback onsearches, as well as provide feedback on
the effectiveness of the searches.the effectiveness of the searches.
FAST SearchFAST Search
4 4 The The customer customer clicks clicks a a link link to to go go to to the the mortgage mortgage homepagehomepageand spends a long and spends a long time on the time on the page. page. Sensing that aSensing that a
customer could be ready to abandon the purchase, ancustomer could be ready to abandon the purchase, an
instant chat is offered to help the customer and avoidinstant chat is offered to help the customer and avoid
abandoninabandoning the g the refinance.refinance.
IM Chat, Voice calls, andIM Chat, Voice calls, andvideoconferencing videoconferencing provided by software- provided by software-
based communications capabilities.based communications capabilities.
LyncLync / / SkypeSkype
ExchangeExchange
5 5 Jane Jane sees sees each each product product contains contains reviews reviews as as well well as as ratingsratings
and comments from other consumers. This is influential inand comments from other consumers. This is influential in
the salethe sale as the “transparency” it provides between the bankas the “transparency” it provides between the bank
and the customer helps build trust with the customer.and the customer helps build trust with the customer.
Community forums Community forums can target any can target any
department in the bank. Thereforedepartment in the bank. Therefore
moderating the banks’ community forummoderating the banks’ community forum
requires approval and escalation workflowsrequires approval and escalation workflows
to properly route requests to manyto properly route requests to many
different stakeholders and approversdifferent stakeholders and approvers
SharePoint for internet Sites/ ECMSharePoint for internet Sites/ ECM
66 The The customer customer decides decides on on a a refinance refinance product product and and begins begins anan
online application process. Multiple steps guide the customeronline application process. Multiple steps guide the customer
through gathering required information for the transaction.through gathering required information for the transaction.
The customer reaches a point where she has someThe customer reaches a point where she has some
documentation to gather and she is delighted to see she candocumentation to gather and she is delighted to see she can
save the application and proceed in any channel when she issave the application and proceed in any channel when she is
State ManagementState Management capabilities arecapabilities are
required to enable multichannelrequired to enable multichannel
experiences.experiences.
Windows ServerWindows Server / / Windows AzureWindows Azure oror
IISIIS oror
Dynamics CRMDynamics CRM oror
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ready.ready. SQL ServerSQL Server / / SQL AzureSQL Azure depending upondepending upon
requirementsrequirements
77 Jane’s online experience has been great. But she feels betterJane’s online experience has been great. But she feels better
about meeting with an advisor at a branch for such anabout meeting with an advisor at a branch for such an
important purchase. She is able to book times from anyimportant purchase. She is able to book times from any
channel to meet with an advisor, either via a web conferencechannel to meet with an advisor, either via a web conference
or in-personor in-person..
AppointmeAppointment nt scheduling capabilities arescheduling capabilities are
provided by CRM/ sales automation andprovided by CRM/ sales automation and
enterprise messaging. Web conferencingenterprise messaging. Web conferencing
capabilities are provided bycapabilities are provided by
communication and collaborationcommunication and collaboration
software.software.
Dynamics CRMDynamics CRM ExchangeExchange
OutlookOutlook
8 8 Jane Jane books books a a time time to to meet meet an an advisor advisor at at a a local local branch branch viavia
instant messaging with a contact center representative andinstant messaging with a contact center representative and
receives an SMS confirmation. Regardless of channel orreceives an SMS confirmation. Regardless of channel or
different systems in-which data exists, a bank representativedifferent systems in-which data exists, a bank representative
can view a 360° profile of the customer, the status of thecan view a 360° profile of the customer, the status of the
loan application, select a person in the right location with theloan application, select a person in the right location with the
right skills, and remind the customer of documentation stillright skills, and remind the customer of documentation still
needed.needed.
SMS SMS capabilities provided by enterprise capabilities provided by enterprise
messaging.messaging. 360° customer profile 360° customer profile provided provided
by CRM by CRM and Business Intelligenceand Business Intelligence
capabilities.capabilities.
Exchange ServerExchange Server
Dynamics CRMDynamics CRM
SQL Server BI platformSQL Server BI platform
9 9 When When Jane Jane visits visits the the branch branch she she notices notices it it appears appears rich rich withwith
technology, yet subtle and professional. Touch walls andtechnology, yet subtle and professional. Touch walls and
slate devices are available for customers to explore productsslate devices are available for customers to explore products
and even browse the web. Slate devices and Microsoft’sand even browse the web. Slate devices and Microsoft’s
multi-user tabletop cmulti-user tabletop computer “Microsoft Surface” are greatomputer “Microsoft Surface” are great
tools to enable advisors to have engaging interactions withtools to enable advisors to have engaging interactions withcustomers.customers.
SoftwareSoftware capabilities for branch devices capabilities for branch devices
provided by operating system and coreprovided by operating system and core
infrastructure.infrastructure.
WindowsWindows
Microsoft SurfaceMicrosoft Surface
System CenterSystem Center
10 10 When When Jane Jane meets meets the the lending lending advisor advisor David, David, she she does does notnot
have to explain the application status or the intent of her visithave to explain the application status or the intent of her visit
–– it is all captured in a CRM platform designed for it is all captured in a CRM platform designed for
performing sales, service, and performing sales, service, and other tracking other tracking activities. activities. JaneJane
and David use a Surface computer to compare loan productsand David use a Surface computer to compare loan products
and perform what-if scenarios. The experience is engagingand perform what-if scenarios. The experience is engaging
yet fun where both the customer and the bank employee areyet fun where both the customer and the bank employee are
viewing and navigating the same screens together.viewing and navigating the same screens together.
SoftwareSoftware capabilities for branch devices capabilities for branch devices
provided by operating system and coreprovided by operating system and core
infrastructure.infrastructure.
WindowsWindows
Microsoft SurfaceMicrosoft Surface
System CenterSystem Center
11 11 During During the the branch branch appointment, appointment, Jane Jane has has a a question question whichwhich
the loan agent is unsure of the answer. The agent canthe loan agent is unsure of the answer. The agent can
leverage a variety of tools to save time and avoid a costly callleverage a variety of tools to save time and avoid a costly call
to the helpdesk. This includes the knowledge portal withto the helpdesk. This includes the knowledge portal with
search capabilities for policy and procedure documentation.search capabilities for policy and procedure documentation.
It also includes skill-based search capabilities which provide aIt also includes skill-based search capabilities which provide alist of experts and their online availability. The loan agentlist of experts and their online availability. The loan agent
finds a remote expert who can help immediately and shefinds a remote expert who can help immediately and she
initiates a web conference so the expert, the customer, andinitiates a web conference so the expert, the customer, and
the loan agent can resolve the issue immediately on the firstthe loan agent can resolve the issue immediately on the first
call.call.
Knowledge portalKnowledge portal andand search search capabilities capabilities
provided by collaboration portalprovided by collaboration portal. Skills. Skills
based-searchbased-search capabilities provided bycapabilities provided by
collaboration portal, communication andcollaboration portal, communication and
enterprise messaging. Web Conferencingenterprise messaging. Web Conferencing
capabilities provided by capabilities provided by software-basesoftware-baseddcommunications.communications.
SharePoint for Internet SitesSharePoint for Internet Sites
LyncLync
ExchangeExchange
1212 The engaging and seamless experience has led to Jane’sThe engaging and seamless experience has led to Jane’s
decision to proceed with the refinance. Jane is offered to setdecision to proceed with the refinance. Jane is offered to set
alerts to contact her if there are any important events likealerts to contact her if there are any important events like
interest rate change, etc. She can be contacted via herinterest rate change, etc. She can be contacted via her
preferred channel including being called on her phone usingpreferred channel including being called on her phone using
a voice IVR such as Microsoft’s clouda voice IVR such as Microsoft’s cloud--based “Tellme” voicebased “Tellme” voice
IVR.IVR.
Alerting Alerting capabilities provided by enterprise capabilities provided by enterprise
messaging.messaging. Contact preferences Contact preferences provided provided
within CRM.within CRM. Automated Voice response Automated Voice response
provided by Voice IVR.provided by Voice IVR.
ExchangeExchange
Dynamics CRMDynamics CRM
TellmeTellme
END END End End of of ProcessProcess
Summary -Summary - This scenario provides many opportunities for theThis scenario provides many opportunities for the
customer to stop the purchasing process and choose acustomer to stop the purchasing process and choose acompetitor instead. However, the proper combination ofcompetitor instead. However, the proper combination of
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tools can help mitigate customer abandonment at each steptools can help mitigate customer abandonment at each step
by anticipating the needs of the customer and removingby anticipating the needs of the customer and removing
complexity and delays in the process. Ultimately thecomplexity and delays in the process. Ultimately the
application is processed and the associated transactions areapplication is processed and the associated transactions are
completed.completed.
Scenario TwoScenario Two –– Optimizing operations and improving insights from Optimizing operations and improving insights from datadata
As we move from batch As we move from batch to real-time process integration in financial services, the requirement forto real-time process integration in financial services, the requirement for
real time analytics and real time analytics and business intelligence becomes more acute. Operations managers need tobusiness intelligence becomes more acute. Operations managers need toknow about the state of operations regardless of client, transaction type, delivery channel or, forknow about the state of operations regardless of client, transaction type, delivery channel or, for
example in the case of example in the case of payments, settlepayments, settlement method. This is particularly so because clients havement method. This is particularly so because clients have
higher expectations about the level of service demanded from their banks.higher expectations about the level of service demanded from their banks.
In addition to In addition to reliable and timely transaction processing, the data produced from the transactionreliable and timely transaction processing, the data produced from the transaction
can be more valuable to can be more valuable to the business than merely an official transaction record. The datathe business than merely an official transaction record. The data
produced provides keyproduced provides key business insightsbusiness insights for operations, marketing, risk for operations, marketing, risk managememanagement, etc.nt, etc.
however the data is very-large volume, often exists in business silos, is however the data is very-large volume, often exists in business silos, is structured andstructured and
unstructured, and exists inside the bank and on the unstructured, and exists inside the bank and on the internet.internet.
Banks realize the ability to discover, trust, combine and Banks realize the ability to discover, trust, combine and analyze data can be a differentiator toanalyze data can be a differentiator to
their business. They also need to meet increasing regulatory requirements via a holistic view their business. They also need to meet increasing regulatory requirements via a holistic view ofof
business exposure and reserves. Whether the goals are to reduce risk or identify revenuebusiness exposure and reserves. Whether the goals are to reduce risk or identify revenue
potential, it is increasingly difficult and potential, it is increasingly difficult and costly to try costly to try to leverage the new volumes of data withto leverage the new volumes of data with
traditional business intelligence tools and ltraditional business intelligence tools and legacy reports. Microsoft brings proven, cutting edge,egacy reports. Microsoft brings proven, cutting edge,
next-genernext-generation BI capabilities that can help banks ation BI capabilities that can help banks gain a better view of gain a better view of their business overall,their business overall,
reduce risk, and reduce risk, and identify new revenue potential.identify new revenue potential.
The transactions generated by Jane’s refinance in ScenThe transactions generated by Jane’s refinance in Scenario One results in transactions that generate data pointsario One results in transactions that generate data points
throughout the bank’s operations areas and systems.throughout the bank’s operations areas and systems.
STEP STEP Process Process Description Description Capabilities Capabilities & & Microsoft Microsoft SolutionSolution
ComponentsComponents
11 The transactions generated by Jane’s refinance in scenarioThe transactions generated by Jane’s refinance in scenario
one are mission-critical records which are posted at high-one are mission-critical records which are posted at high-
volumes. Because of the importance of the transactionvolumes. Because of the importance of the transaction
records in the core systems, the systems that hold theserecords in the core systems, the systems that hold theserecords are operated for records are operated for high-availability, transactionhigh-availability, transactionalal
integrity, data security and integrity, data security and recoverabilitrecoverability.y.
Technical capabilities forTechnical capabilities for mission-criticalmission-critical
operations operations are provided by data and are provided by data and
application platformapplication platforms as s as well as well as corecore
infrastructure and systems managementinfrastructure and systems managementand and monitorinmonitoring.g.
Microsoft SQL ServerMicrosoft SQL Server is built for the rigorsis built for the rigors
of of mission-crimission-critical operations. However,tical operations. However,
Microsoft believes that technologyMicrosoft believes that technology
capabilitiescapabilities, while , while very important, are onlyvery important, are only
one piece of supporting mission-criticalone piece of supporting mission-critical
systems; people, process, policy,systems; people, process, policy,
governance are also paramount togovernance are also paramount to
operations. For more information onoperations. For more information on
Microsoft capabilities in Mission criticalMicrosoft capabilities in Mission critical
operations, refer to Section VI and alsooperations, refer to Section VI and also
Appendix D in this document.Appendix D in this document.
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22 The transactions from Jane’s branch activity create “events”The transactions from Jane’s branch activity create “events”
that initiate actions in near real-time to assess thethat initiate actions in near real-time to assess the
transacttransaction’s validity ion’s validity (for example, anti(for example, anti-fraud measures) and-fraud measures) and
the impact on risk exposure in the lending portfolio.the impact on risk exposure in the lending portfolio.
Near real-time analytics Near real-time analytics capabilities are capabilities are
provided via Complex Event Processingprovided via Complex Event Processing
(CEP) and High-Performance technical(CEP) and High-Performance technical
Computing (HPC), as well as end-userComputing (HPC), as well as end-user
analytics and certain LOB analytics and certain LOB applicatioapplications.ns.
Microsoft SQL Server StreamInsight (CEP)Microsoft SQL Server StreamInsight (CEP)
Microsoft Windows High-PerformanceMicrosoft Windows High-Performance
Computing ServicesComputing Services
Microsoft ExcelMicrosoft Excel
.NET framework.NET framework
3 3 The The data data is is also also leveraged leveraged for for extensive extensive business business analysis analysis andand
reporting. Data is provisioned by IT as trusted data “cubes”reporting. Data is provisioned by IT as trusted data “cubes”
and analysts consume these on a and analysts consume these on a self-service basis.self-service basis.
The data is analyzed directly in Excel’s PowerPivot and thenThe data is analyzed directly in Excel’s PowerPivot and then
built into a dynamic report via Power View and shared withbuilt into a dynamic report via Power View and shared with
other analysts responsible for risk management.other analysts responsible for risk management.
Multi-dimensMulti-dimensional ional Analytics Analytics provided by provided by
Data and Business Intelligence solutions.Data and Business Intelligence solutions.
Self-service BI Self-service BI capabilities provided by capabilities provided by
end-user analytics provided by Data,end-user analytics provided by Data,
collaboratiocollaboration and n and end-user analytical tools.end-user analytical tools.
Master Data Management and BI semanticMaster Data Management and BI semantic
models models are provided by data and analytics are provided by data and analytics
platform.platform.
Microsoft SQL Server BI platformMicrosoft SQL Server BI platform
SQL Server Reporting Service includingSQL Server Reporting Service including
Power ViewPower View
SharePointSharePoint
4 4 For For Marketing Marketing purposes purposes some some internal internal data data is is combined combined withwith
external “bigexternal “big--data” from social feeds to monitor socialdata” from social feeds to monitor social
sentiment related to the bank brand.sentiment related to the bank brand.
Big-data Big-data capabilities provided by data and capabilities provided by data and
analytics platform. Capabilities includeanalytics platform. Capabilities include
support forsupport for Hadoop Hadoop and and associatedassociatedconnectors connectors between Hadoop, Data between Hadoop, Data
warehouses, and end-user analytic tools.warehouses, and end-user analytic tools.
Microsoft SQL Server Big Data AnalyticsMicrosoft SQL Server Big Data Analytics
Microsoft SQL Server ParallelMicrosoft SQL Server Parallel
DatawarehouseDatawarehouse
Microsoft ExcelMicrosoft Excel
5 5 Finally Finally these these insights insights are are delivered delivered to to business business lineline
stakeholders via role-based scorecards and reports. Typicalstakeholders via role-based scorecards and reports. Typical
user roles would include:user roles would include:
Branch management and performance measurementBranch management and performance measurement
Product profitabilityProduct profitability
Credit and operational risk managementCredit and operational risk management
Lending portfolio analysisLending portfolio analysis
Basel III compliance analysisBasel III compliance analysis
Marketing analysis for Marketing analysis for additionaadditional l cross-sell/upcross-sell/up-sell-sell
opportunities based on the product selected (e.g.;opportunities based on the product selected (e.g.;
insurance)insurance)
Scorecards and dynamic reports Scorecards and dynamic reports provided provided
by data, analytics and by data, analytics and collaboratcollaborationion
platform. This enables the discovery,platform. This enables the discovery,
management, security and distribution ofmanagement, security and distribution of
reports and scorecardsreports and scorecards
Microsoft SQL ServerMicrosoft SQL Server
SharePointSharePoint
Microsoft ExcelMicrosoft Excel
END END End End of of ProcessProcess
SummarySummary Microsoft’s Data platform is built for missionMicrosoft’s Data platform is built for mission--
critical operations and facilitates high-availability and critical operations and facilitates high-availability and high-high-
performance. However, people, process, policy, governanceperformance. However, people, process, policy, governance
are all critical pillars are all critical pillars to mission-critical operationsto mission-critical operations. Traditional. Traditional
BI and Analytics are not feasible for harvesting insights formBI and Analytics are not feasible for harvesting insights form
the massive volumes of data being produced within thethe massive volumes of data being produced within the
banks as well as in the public domain. Microsoft platformbanks as well as in the public domain. Microsoft platform
provides economic benefits while delivering cutting-edgeprovides economic benefits while delivering cutting-edge
tools to transform banking into the next-generationtools to transform banking into the next-generation
operations that will be required for banks to thrive in the newoperations that will be required for banks to thrive in the new
economic models within the banking industry.economic models within the banking industry.
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Section VISection VI
MIRA-B and Microsoft PlatformMIRA-B and Microsoft Platform
CapabilitiesCapabilities
Microsoft provides an industry-leading, highly-integrated, mission-critical technology platform atMicrosoft provides an industry-leading, highly-integrated, mission-critical technology platform atcommoditized pricing. commoditized pricing. The platform delivers the end-to-enThe platform delivers the end-to-end infrastructure, applicatid infrastructure, application and dataon and data
platform, and business productivity capabilities needed to enable a modern, agile bankingplatform, and business productivity capabilities needed to enable a modern, agile banking
enterpriseenterprise. It . It provides a highly-integrated environment spanning back, middle and provides a highly-integrated environment spanning back, middle and front-officefront-office
operations and can operoperations and can operate on-premiseate on-premises or in public or private cloud. s or in public or private cloud. The technology capabilityThe technology capability
view shows the capabilities of the underlying view shows the capabilities of the underlying technology platform to support the financialtechnology platform to support the financial
institution’s enterprise; from external customer solutions to internal user institution’s enterprise; from external customer solutions to internal user desktop anddesktop and
collaboration; from security to data management; and from new product development tocollaboration; from security to data management; and from new product development to
managing mission critical operations.managing mission critical operations.
Technology Capabilities View of Microsoft Enterprise PlatformTechnology Capabilities View of Microsoft Enterprise Platform
The capabilities of Microsoft’s software portfolio are both deep and wide. The capabilities of Microsoft’s software portfolio are both deep and wide. The TechnologyThe Technology
Capabilities View as shown in Figure 9 Capabilities View as shown in Figure 9 is intended to highlight is intended to highlight capabilities of the Microsoftcapabilities of the Microsoft
platform and serve as a reference in enterprise planning.platform and serve as a reference in enterprise planning.
Figure 9: Simplified Capabilities View of Microsoft PlatformFigure 9: Simplified Capabilities View of Microsoft Platform
Microsoft platform capabilities span the breadth of the IT Microsoft platform capabilities span the breadth of the IT lifecyclelifecycle –– Development, Operations Development, Operations
Management, Systems Management, Integration, Data Management, Applications, and BusinessManagement, Systems Management, Integration, Data Management, Applications, and Business
Productivity. It is effectively too large toProductivity. It is effectively too large to list list all of the capabilities into the body of this all of the capabilities into the body of this document,document,
please refer toplease refer to Appendix CAppendix C for detailed capabilities views. These detailed capabilities views for detailed capabilities views. These detailed capabilities views cancan
serve as an effective serve as an effective reference for planning and reference for planning and researesearch purposes when financial rch purposes when financial institutions areinstitutions are
planning innovation of planning innovation of their operations.their operations.
The combination of The combination of highly integrated core infrastructure, application services and businesshighly integrated core infrastructure, application services and business
productivity is a significant differentiator of the Microsoft productivity is a significant differentiator of the Microsoft stack. The combination provides a robuststack. The combination provides a robust
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platform designed to enhance the effectiveness of the people, processes and applications byplatform designed to enhance the effectiveness of the people, processes and applications by
leveraging solutions based-on Microsoft technologieleveraging solutions based-on Microsoft technologies as it s as it is one of is one of the most comprehensivethe most comprehensive
enterprise platforms in the industry. A more detailed view of enterprise platforms in the industry. A more detailed view of technology capabilities is shown intechnology capabilities is shown in
the following diagram and is followed the following diagram and is followed by additional layers of detail for by additional layers of detail for the following segments:the following segments:
End-user ExperienceEnd-user Experience
Application ServicesApplication Services
Data ServicesData Services
InfrastructurInfrastructure e ServicesServices IT Lifecycle IT Lifecycle ManagemeManagement.nt.
Figure 10: Technology Capabilities ViewFigure 10: Technology Capabilities View
End User ExperienceEnd User Experience
Consider the following scenarios. A wealth advisor uses a slate device to Consider the following scenarios. A wealth advisor uses a slate device to review the customerreview the customer
profile of her next appointment and research product performance before traveling to theprofile of her next appointment and research product performance before traveling to the
customer’s location to provide customer’s location to provide banking services. A trader uses transparenbanking services. A trader uses transparent displays andt displays and
virtualization to work efficiently while sharing real-time data with other virtualization to work efficiently while sharing real-time data with other traders. A temporarytraders. A temporary
branch is set-up at a branch is set-up at a community event with specialized advisors and supervisors available bycommunity event with specialized advisors and supervisors available by
video conference. A mobile phone provides treasury services for large corporations and bankingvideo conference. A mobile phone provides treasury services for large corporations and banking
services to a services to a previously unbanked village. A branch window previously unbanked village. A branch window displays gesture-based, interactdisplays gesture-based, interactiveive
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signage. Microsoft has delivered innovative end-user capabilities and signage. Microsoft has delivered innovative end-user capabilities and applications for years.applications for years.
Microsoft uses its research tools and methodologies to understand and test usage in order toMicrosoft uses its research tools and methodologies to understand and test usage in order to
improve user efficiency. The Microsoft platform delivers capabilities to Windows and non-improve user efficiency. The Microsoft platform delivers capabilities to Windows and non-
Windows devices with rich end user functionality through a Windows devices with rich end user functionality through a consistent, secure and well-managedconsistent, secure and well-managed
infrastructurinfrastructure, allowing e, allowing financial institutions to financial institutions to explore new access channels and devices, such explore new access channels and devices, such asas
the TV and gaming the TV and gaming systems to reach customers in any situation. Scenarios like those above aresystems to reach customers in any situation. Scenarios like those above are
enabled by Microsoft technology and are changing the end-user and customer experience inenabled by Microsoft technology and are changing the end-user and customer experience in
banking to one that is banking to one that is more interactive, insightful, and collaborative.more interactive, insightful, and collaborative.
Applications deliver expanded functionality including Applications deliver expanded functionality including real-time insights, collaboration,real-time insights, collaboration,
communication and social networking capabilities.communication and social networking capabilities.
New user interfaces are supported including touch, gestures and voice; or pen/stylus support forNew user interfaces are supported including touch, gestures and voice; or pen/stylus support for
electronic signature capture.electronic signature capture.
Influxes of consumer-based electronics are finding their way into the enterprise and it has cInfluxes of consumer-based electronics are finding their way into the enterprise and it has createdreated
new challenges which have been referred to as the consumerization of IT new challenges which have been referred to as the consumerization of IT (CoIT). Considering the(CoIT). Considering the
diversity of Windows diversity of Windows and non-Windows-basand non-Windows-based consumer devices, CoIT ed consumer devices, CoIT has introduced newhas introduced new
application development, compatibility, security and management challenges to the enterprise.application development, compatibility, security and management challenges to the enterprise.
Figure 11: Technology CapabilitiesFigure 11: Technology Capabilities –– End-user Experience End-user Experience
When considering the end user When considering the end user experience in the context of experience in the context of customer-facing banking experiences,customer-facing banking experiences,
the Microsoft end-user experience capabilthe Microsoft end-user experience capabilities can be deployed to ities can be deployed to provide a wide array ofprovide a wide array of
innovative channels for delivering online, host-to-host and mobile financial services to retail orinnovative channels for delivering online, host-to-host and mobile financial services to retail or
commercial customers alike.commercial customers alike.
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Figure 12: Example Delivery ChannelsFigure 12: Example Delivery Channels
FurthermoreFurthermore, R&D investments in , R&D investments in Microsoft’s consumer devices such as Microsoft’s consumer devices such as the Xbox gaming the Xbox gaming systemsystem
and Kinect for Windows are now and Kinect for Windows are now being leveraged by partners to deliver financial servicesbeing leveraged by partners to deliver financial services
capabilities.capabilities.
Application ServicesApplication Services
Financial institutions’ requirements for application services are expanding. Leveraging theFinancial institutions’ requirements for application services are expanding. Leveraging the
application services in the Microsoft platform can reduce time application services in the Microsoft platform can reduce time to delivery and provide newto delivery and provide new
capabilities as part of the platform capabilities as part of the platform which can be the key which can be the key to building better business processesto building better business processeswithin the financial institution. Capabilities such as workflows and within the financial institution. Capabilities such as workflows and alerts for exceptionalerts for exception
managementmanagement; communications enabled applications that ; communications enabled applications that connect customers to remote advisors;connect customers to remote advisors;
embedded data analytics to provide decision support for front line employees, such as embedded data analytics to provide decision support for front line employees, such as next-next-
product suggestions. Finally, location based services help build applications such as ATM locatorproduct suggestions. Finally, location based services help build applications such as ATM locator
applications in online and mobile banking applications in online and mobile banking applications.applications.
The application services layer within The application services layer within the capabilities view separates application services into the capabilities view separates application services into threethree
logical categorieslogical categories –– Core Application Core Application services, services, Productivity Application Productivity Application services, and services, and IntegrationIntegration
ServicesServices both on-premise and into the cloud.both on-premise and into the cloud.
Figure 13: Technology CapabilitiesFigure 13: Technology Capabilities –– Application Services (High Level) Application Services (High Level)
The level of these capabilities in The level of these capabilities in Microsoft’s application services is large. The broad functionality inMicrosoft’s application services is large. The broad functionality in
the platform can accelerate time to market for the platform can accelerate time to market for banking applications while providing differentiatebanking applications while providing differentiatedd
functionality to the functionality to the end-user, whetheend-user, whether employee or r employee or customer.customer.
Core application Core application services provides the APIs and runtimes to provide services provides the APIs and runtimes to provide low-level applicationlow-level application
capabilities like caching, state management, parallel programming, media delivery, andcapabilities like caching, state management, parallel programming, media delivery, and
location based services. It supports location based services. It supports the remainder of the application the remainder of the application services layer andservices layer andprovides the foundation for provides the foundation for development of business applications on Microsoft’s development of business applications on Microsoft’s platform.platform.
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The businessThe business productivity application services productivity application services layer augments the platform with layer augments the platform with
specialized, higher-order application services. Leverspecialized, higher-order application services. Leveraging these types of aging these types of highly functionalhighly functional
applications services and even the finished applications services and even the finished software it provides can software it provides can significantly reduce thesignificantly reduce the
development and integration work by leveraging these capabilities as part of thedevelopment and integration work by leveraging these capabilities as part of the
enterprise platform;enterprise platform;
oo Collaboration services - enable the composition Collaboration services - enable the composition of applications and of applications and processes forprocesses for
delivery to the end user via delivery to the end user via portals. Enables social networking in the enterprise asportals. Enables social networking in the enterprise as
well as workflow and well as workflow and alertingalertingoo CRM and XRM tools CRM and XRM tools and frameworksand frameworks –– track and manage customer information track and manage customer information
oo Business insight services - utilize data services and collaboration to deliverBusiness insight services - utilize data services and collaboration to deliver
interactive visualizationinteractive visualizations for the best pos for the best possible insights to the end user. This wouldssible insights to the end user. This would
include corporate performance managementinclude corporate performance management, risk , risk analysis, customer insight andanalysis, customer insight and
broad operations managemenbroad operations management functions t functions that replace many traditional reportingthat replace many traditional reporting
methods.methods.
oo Enterprise searEnterprise search - ch - locate and find documents, people and data.locate and find documents, people and data.
oo Unified communication services - provide Unified communication services - provide the integration of presence, voice,the integration of presence, voice,
messaging, email and video to the desktop and devices. Instead of messaging, email and video to the desktop and devices. Instead of ‘telephony’‘telephony’
being managed separately it is being managed separately it is integrated to the end-user experience to integrated to the end-user experience to supportsupport
VOIP, instant messaging and video across the desktop and devices.VOIP, instant messaging and video across the desktop and devices.
oo Content management services form an important element of Content management services form an important element of document anddocument and
records management and records management and regulatory compliance.regulatory compliance.
Integration services provide integration capabilities that connect to Integration services provide integration capabilities that connect to legacy systems, acrosslegacy systems, across
platforms and to the cloud. Integration capabilities ranging from low-level data access toplatforms and to the cloud. Integration capabilities ranging from low-level data access to
low-latency Message Passing Interface (MPI), Complex low-latency Message Passing Interface (MPI), Complex Event Processing (CEP), messageEvent Processing (CEP), message
queuing, ETL and SOA processes. It is the queuing, ETL and SOA processes. It is the area where Enterprise serarea where Enterprise services bus andvices bus and
payments hubs operate. These leverage industry standard interfaces like SWIFT and payments hubs operate. These leverage industry standard interfaces like SWIFT and ISOISO
via Microsoft’s BizTalk Server and the Accelerator for SWIFT which connects to via Microsoft’s BizTalk Server and the Accelerator for SWIFT which connects to paymentspayments
networks to create a networks to create a rationalized payment “hub”.rationalized payment “hub”.
Figure 14 breaks these capabilities down into more granular detail which Figure 14 breaks these capabilities down into more granular detail which exemplifies the depthexemplifies the depth
and breadth of capabilities in the applications services.and breadth of capabilities in the applications services.
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Figure 14: Technology Capabilities - Application Figure 14: Technology Capabilities - Application Services (Detail View)Services (Detail View)
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Data ServicesData Services
Financial institutions seek to perform more transactions, reliably for less cost while improving Financial institutions seek to perform more transactions, reliably for less cost while improving thethe
access employees have to insights to help execute on the business strategy. In the context ofaccess employees have to insights to help execute on the business strategy. In the context of
financial services application architecture, the following are financial services application architecture, the following are examples of the data examples of the data servicesservices
provided; transactional databases of service provided; transactional databases of service factories, data warehousing, reference and marketfactories, data warehousing, reference and market
data, analytics and reporting.data, analytics and reporting.
Figure 15: Technology Capabilities - Data Figure 15: Technology Capabilities - Data Services (High Level)Services (High Level)
The following diagram highlights the breadth of Microsoft’s data & The following diagram highlights the breadth of Microsoft’s data & BI platform capabilities in theBI platform capabilities in the
areas of Online Transaction Processing (OLTP), Enterprise Data Warehouse (EDW), Analytics, andareas of Online Transaction Processing (OLTP), Enterprise Data Warehouse (EDW), Analytics, and
Information Delivery. Key capabilities to note for Banking are Information Delivery. Key capabilities to note for Banking are the extensive mission criticalthe extensive mission critical
capabilities which are a foundation of capabilities which are a foundation of the data platform. Some key highlights include high-scalethe data platform. Some key highlights include high-scale
analytics with Massively Parallel Processing (MPP), High analytics with Massively Parallel Processing (MPP), High Performance DistributPerformance Distributed computinged computing
(HPC), (HPC), Complex Event ProceComplex Event Processing (CEP), column storssing (CEP), column store indexing, horizontal scae indexing, horizontal scale-out and cloud-le-out and cloud-
based SQL Azure Data Platform which, for example, is used by based SQL Azure Data Platform which, for example, is used by Temenos to run T24 Core BankingTemenos to run T24 Core Banking
to support Microfinance in Mexico.to support Microfinance in Mexico.
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Figure 16: Figure 16: Technology ServicesTechnology Services –– Data Services (Detailed View) Data Services (Detailed View)
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Online Transaction Processing (OLTP)Online Transaction Processing (OLTP) –– Financial institutions’ core operations dependFinancial institutions’ core operations depend
upon reliable transaction processing and can upon reliable transaction processing and can face adverse consequences from outages orface adverse consequences from outages or
unreliable processing. Howeveunreliable processing. However, because these services are commoditized r, because these services are commoditized they must bthey must bee
delivered at scale with the best TCO delivered at scale with the best TCO possible. Microsoft Windows and SQL Server providepossible. Microsoft Windows and SQL Server provide
mission-critical scale, performance and reliability for OLTP mission-critical scale, performance and reliability for OLTP workloads.workloads.
Insight and AnalyticsInsight and Analytics –– The demand for information in banking is surging in many areas The demand for information in banking is surging in many areas
including historical including historical analysis, performance budgeting, business performance analytics,analysis, performance budgeting, business performance analytics,
executive dashboards, marketing and sales executive dashboards, marketing and sales automation, product innovation, customerautomation, product innovation, customer
profitability, regulatory compliance and risk managementprofitability, regulatory compliance and risk management. There are so many . There are so many sources ofsources of
data and so many people that need access data and so many people that need access to analytics, the delivery paradigms forto analytics, the delivery paradigms for
information and decision support must change. The Microsoft platform strategy forinformation and decision support must change. The Microsoft platform strategy for
addressing big data is to support massive scale in addressing big data is to support massive scale in the back-end for OLTP and Datathe back-end for OLTP and Data
Analytics and support new Analytics and support new delivery paradigms like self-service and near real-time analyticsdelivery paradigms like self-service and near real-time analytics
in the front-end. An example of this can be found in the Appendix A.in the front-end. An example of this can be found in the Appendix A.
Infrastructure ServicesInfrastructure Services
InfrastructurInfrastructure Services provide e Services provide networking, identity managemennetworking, identity management and t and access, core computingaccess, core computing
services via on-premise, virtualized, or cloud-based infrastructure. This layer is services via on-premise, virtualized, or cloud-based infrastructure. This layer is the foundationthe foundation
providing core services to the other layers of providing core services to the other layers of the architecture; such as data interaction, scale andthe architecture; such as data interaction, scale and
security, application and productivity services, etc. As with other elements of the security, application and productivity services, etc. As with other elements of the MicrosoftMicrosoft
platform, this layer is built with platform, this layer is built with security and integrity as essential considerations. Figure 17 belowsecurity and integrity as essential considerations. Figure 17 below
breaks these services into more granular services that enable capabilities such as server andbreaks these services into more granular services that enable capabilities such as server and
desktop virtualization and server applications and desktop virtualization and server applications and workloads.workloads.
OLTP Example:OLTP Example: Temenos, an Temenos, an alliance gold partner providing industry leading core banking solutions,alliance gold partner providing industry leading core banking solutions,
takes advantage of the SQL platform to run their core banking suite T24. takes advantage of the SQL platform to run their core banking suite T24. In partnership, Temenos andIn partnership, Temenos andMicrosoft have optimized T24 for the Microsoft Windows and SQL platform. Public benchmarks areMicrosoft have optimized T24 for the Microsoft Windows and SQL platform. Public benchmarks are
available demonstrating performanavailable demonstrating performance and near linear ce and near linear scalability for models up to scalability for models up to 25 million accounts.25 million accounts.
For more information, refer to For more information, refer to www.temenos.cwww.temenos.com.om.
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Figure 17: Figure 17: Technology ServicesTechnology Services –– Infrastructure Services (Detail View) Infrastructure Services (Detail View)
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Infrastructure ServicesInfrastructure Services –– Deployment Scenarios Deployment Scenarios
Scenario One; Private, Public, and/or Hybrid CloudScenario One; Private, Public, and/or Hybrid Cloud
A highly topical A highly topical infrastructurinfrastructure service requirement is the ability to e service requirement is the ability to extend computing to the cloud.extend computing to the cloud.
Financial institutions are very interested in cloud computing because of the Financial institutions are very interested in cloud computing because of the opportunities theyopportunities they
bring for innovation and cost. There is bring for innovation and cost. There is a particular interest by financial institutions to a particular interest by financial institutions to implementimplement
private cloud in their datacenters, due to data privacy private cloud in their datacenters, due to data privacy and other business factors which preventand other business factors which prevent
certain uses of public cloud certain uses of public cloud resources today. The goal that is achieved with private cloudresources today. The goal that is achieved with private cloud
deployments is efficiency and cost savings via deployments is efficiency and cost savings via a highly elastic, highly automated and self-servicea highly elastic, highly automated and self-servicecomputing environment. The Infrastrcomputing environment. The Infrastructure Services layer lays the foundation for ucture Services layer lays the foundation for private cloud byprivate cloud by
providing a highly virtualized and automated private cloud implementation in the financialproviding a highly virtualized and automated private cloud implementation in the financial
institution’s institution’s datacentedatacenter.r.
The foundation is built oThe foundation is built on Microsoft Hyper-v which provides virtualization services withinn Microsoft Hyper-v which provides virtualization services within
Microsoft’s platform. The Lifecycle Management layer of Microsoft’s platform. The Lifecycle Management layer of the architecture provides highlythe architecture provides highly
automated operations and includes self-service provisioning through a automated operations and includes self-service provisioning through a service-portservice-portal in al in order toorder to
realize the potential cost savings of the private cloud realize the potential cost savings of the private cloud model. To help with model. To help with the journey to cloud,the journey to cloud,
Microsoft has a Microsoft has a number of professional services offerings, SI number of professional services offerings, SI partners, and architectural guidancepartners, and architectural guidance
((http://www.micrhttp://www.microsoft.com/en-us/seosoft.com/en-us/server-cloud/privarver-cloud/private-cloud/hyperv-te-cloud/hyperv-cloud-deploymencloud-deployment.aspxt.aspx))
specializing in Private cloud specializing in Private cloud implementaimplementations.tions.
Figure 18: Private Cloud configuration with the Microsoft platformFigure 18: Private Cloud configuration with the Microsoft platform
Microsoft Reference Architecture for Private CloudMicrosoft Reference Architecture for Private Cloud ––
http://socihttp://social.technet.mical.technet.microsoft.com/wrosoft.com/wiki/conteniki/contents/articles/381ts/articles/3819.reference-arc9.reference-architecturehitecture-for-private-clou-for-private-cloud.aspxd.aspx
Scenario Two: Branch RenewalScenario Two: Branch Renewal
As another usage example, this layer provides key capabilities to enable branch renewal in theAs another usage example, this layer provides key capabilities to enable branch renewal in thewave of branch modernization that is occurring. wave of branch modernization that is occurring. It provides computing services in centralized,It provides computing services in centralized,
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distributed and hybrid branch topologies and provides the services needed to run technology fordistributed and hybrid branch topologies and provides the services needed to run technology for
the branch including specialty banking peripheral support, file, print, network access andthe branch including specialty banking peripheral support, file, print, network access and
compression services, and security/encryption. Microsoft provides compression services, and security/encryption. Microsoft provides the infrastructure and systemsthe infrastructure and systems
management to deliver a secure, efficient, and management to deliver a secure, efficient, and agile branch infrastructure that enables financialagile branch infrastructure that enables financial
institutions to deliver enhanced customer service at lower TCO. There are many choices institutions to deliver enhanced customer service at lower TCO. There are many choices neededneeded
for renewing branch for renewing branch infrastructureinfrastructuress –– depending upon the bandwidth, costs, employees and depending upon the bandwidth, costs, employees and
customer volumes, etc. Microsoft provides specific planning and design tools for your customer volumes, etc. Microsoft provides specific planning and design tools for your branchbranch
infrastructurinfrastructure called e called “Branch Office Infrastructure Solutions“Branch Office Infrastructure Solutions v3.0”v3.0”http://www.micrhttp://www.microsoft.com/downloaosoft.com/download/en/detad/en/details.aspx?displails.aspx?displaylang=en&id=ylang=en&id=2219922199.. It helps the It helps the
architect understand the depth of architect understand the depth of services available in the infrastructure and services available in the infrastructure and what considerationswhat considerations
one must make one must make when planning branch modernization.when planning branch modernization.
Figure 19: Source BOIS v3.0Figure 19: Source BOIS v3.0 –– Depicting high level branch infrastructure deployment Depicting high level branch infrastructure deployment
Lifecycle ManagementLifecycle Management
IT Lifecycle Management involves the management of IT planning, operations and delivery.IT Lifecycle Management involves the management of IT planning, operations and delivery.
Governance plays a huge role Governance plays a huge role in Financial Services since in Financial Services since there are many operational requirementsthere are many operational requirements
to comply with, and to comply with, and managing compliance of the systems supporting the business can be amanaging compliance of the systems supporting the business can be a
daunting. Microsoft provides GRC compliance libraries and controls to daunting. Microsoft provides GRC compliance libraries and controls to help insure the system arehelp insure the system are
running in a compliant running in a compliant and dependable fashion.and dependable fashion.
Microsoft enables low cost Microsoft enables low cost operations through highly automated management processes. Theseoperations through highly automated management processes. These
are key capabilities to enable private cloud services since the mare key capabilities to enable private cloud services since the management and systemanagement and systemorchestration within our management platform, System Center, is responsible for orchestration within our management platform, System Center, is responsible for the enabling thethe enabling the
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self-service provisioninself-service provisioning and dynamic scaling g and dynamic scaling propertieproperties that make the private cls that make the private cloud sooud so
compelling to financial institutions. The lifecycle compelling to financial institutions. The lifecycle managememanagement layer also provides endpointnt layer also provides endpoint
protection and encryption management to protect systems from data loss or productionprotection and encryption management to protect systems from data loss or production
interruptions and alleviates some of the hassles with cross-platform data protection through itsinterruptions and alleviates some of the hassles with cross-platform data protection through its
ability to ability to manage devices across technology platforms.manage devices across technology platforms.
Technology Capabilities ViewTechnology Capabilities View –– Microsoft Azure Platform Microsoft Azure Platform
Microsoft’s development and management tools address cloud scenarios, on Microsoft’s development and management tools address cloud scenarios, on premise and hybridpremise and hybrid
scenarios within the same suite of tools.scenarios within the same suite of tools.
When looking at the Azure Public When looking at the Azure Public Cloud Platform and at our Private Cloud Cloud Platform and at our Private Cloud guidance, there isguidance, there is
focus on connectivity, development, and management across cloud and datacenter. It also hasfocus on connectivity, development, and management across cloud and datacenter. It also has
core capabilities that are well aligned with on core capabilities that are well aligned with on premise capabilities. The following graphic depictspremise capabilities. The following graphic depictscloud capabilities for each layer of cloud capabilities for each layer of the Microsoft platform.the Microsoft platform.
Trustworthy Computing and Security Development LifecycleTrustworthy Computing and Security Development Lifecycle
The Microsoft platform is developed based on Microsoft’s Trustworthy Computing initiative which includes theThe Microsoft platform is developed based on Microsoft’s Trustworthy Computing initiative which includes theMicrosoft Security Development Lifecycle plan to guide the development and implementation of secure software.Microsoft Security Development Lifecycle plan to guide the development and implementation of secure software.
The Microsoft portfolio is built with these guidelines and has returned positive results in maintaining security inThe Microsoft portfolio is built with these guidelines and has returned positive results in maintaining security in
the platform. For example, SQL Server had no critical vulnerabilities in 2010 . The the platform. For example, SQL Server had no critical vulnerabilities in 2010 . The SDL artifacts are available forSDL artifacts are available for
use in the banking enterprise for governance and management of development and IT operations of businessuse in the banking enterprise for governance and management of development and IT operations of business
applications. Information regarding the SDL visit online at www.microsoft.com/twc.applications. Information regarding the SDL visit online at www.microsoft.com/twc.
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Figure 20: Figure 20: End-to-End CapabilitiesEnd-to-End Capabilities –– Cloud Platform Cloud Platform
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Section VIISection VII
New Paradigms for Delivering New Paradigms for Delivering BankingBanking
ApplicationsApplications
Microsoft sees the next architecture wave as standardizing the banking services with an industry-Microsoft sees the next architecture wave as standardizing the banking services with an industry-view and extending component-based architectures to leverage cloud computing. These view and extending component-based architectures to leverage cloud computing. These areare
fundamental drivers in banking fundamental drivers in banking referereference architecture as they enable nce architecture as they enable processes and services to beprocesses and services to be
distributed at an industry level, not just within the walls of a datacenter or confines of a financialdistributed at an industry level, not just within the walls of a datacenter or confines of a financial
institution’s networkinstitution’s network. As financial institutions focus . As financial institutions focus on strategic priorities, an architecture thaton strategic priorities, an architecture that
enables industry standard services and cloud-based integrated business and technology servicesenables industry standard services and cloud-based integrated business and technology services
will facilitate the strategic sourcing of business functions.will facilitate the strategic sourcing of business functions.
Industry Standardization of Banking Industry Standardization of Banking ServicesServices
When considering reference architectureWhen considering reference architectures, financial institutions s, financial institutions must also consider the must also consider the timelinetimeline
and progression of application architectures since the 1970s and 1980s. Over and progression of application architectures since the 1970s and 1980s. Over time the industrytime the industry
has seen a progression from monolithic applications deployed on mainframes, through client-has seen a progression from monolithic applications deployed on mainframes, through client-
server in the 1990s, to server in the 1990s, to more composite applications on-premise; and now leveraging the scale ofmore composite applications on-premise; and now leveraging the scale of
the cloud.the cloud.
Figure 21: Progression of Application Figure 21: Progression of Application ArchitecturesArchitectures
Banking solutions delivered as Banking solutions delivered as componentizecomponentized sets of d sets of business services have now becomebusiness services have now become
commonplace within the application vendor commonplace within the application vendor community and in-house development (as depictedcommunity and in-house development (as depicted
by the red box by the red box in figure 21). However, the definitions of in figure 21). However, the definitions of these services arethese services are not not standardized standardized across across
industry vendors and financial industry vendors and financial institutions.institutions.
When tackled in isolation, initiatives to transform the Financial Services enterprise toWhen tackled in isolation, initiatives to transform the Financial Services enterprise to
componentized services can prove to be daunting to undertake, challenging to complete andcomponentized services can prove to be daunting to undertake, challenging to complete and
provide less than optimal reuse across the enterprise or the banking provide less than optimal reuse across the enterprise or the banking industry. This is whereindustry. This is where
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collaborative efforts from BIAN and IFX can collaborative efforts from BIAN and IFX can add value to enabling standardized services within theadd value to enabling standardized services within the
banking banking enterpriseenterprise..
BIAN (whose membership includes major global financial BIAN (whose membership includes major global financial institutions, software vendors andinstitutions, software vendors and
solution integrators) is focused-on the standardization of solution integrators) is focused-on the standardization of Service Oriented ArchitecturesService Oriented Architectures
across the banking industry. BIAN is in across the banking industry. BIAN is in the iterative process of defining common, industry-the iterative process of defining common, industry-
standard banking services at a business standard banking services at a business semantics level and creating guidance for semantics level and creating guidance for thethe
implementation of these services in the banking enterprise. An example of the current BIANimplementation of these services in the banking enterprise. An example of the current BIANService Landscape (versiService Landscape (version 1.5) can be on 1.5) can be found in Appendix G. Please also found in Appendix G. Please also refer torefer to
www.bian.orgwww.bian.org for future versions of BIAN for future versions of BIAN architecture documearchitecture documents and a full nts and a full list of members.list of members.
Figure 22: BIAN Figure 22: BIAN Industry DeliverablesIndustry Deliverables
Microsoft also collaborates closely with Interactive eXchange Forum (IFX). IFX is Microsoft also collaborates closely with Interactive eXchange Forum (IFX). IFX is an open,an open,
interoperainteroperable financial messaging standard for ble financial messaging standard for defining financial message payloads. IFXdefining financial message payloads. IFX
message specificatmessage specification and object oriented design makes it ion and object oriented design makes it well-suited to be leveraged in awell-suited to be leveraged in a
web-serviceweb-service. IFX is . IFX is designed for SOA but the IFX designed for SOA but the IFX Forum mission does not focus onForum mission does not focus on definingdefining
standardizestandardized services. Conversely, BIAN does not d services. Conversely, BIAN does not define low-level financial messaging. Thisdefine low-level financial messaging. This
makes IFX messaging and BIAN’s Service Definitions a good complement to each other. Themakes IFX messaging and BIAN’s Service Definitions a good complement to each other. The
diagram below gives a simplistic example of diagram below gives a simplistic example of that complement of the two standards. Pleasethat complement of the two standards. Please
also refer toalso refer to www.ifxforum.orgwww.ifxforum.org for more information relatefor more information related to IFX d to IFX and the IFX Forum.and the IFX Forum.
Figure 23: Alignment of BIAN and IFXFigure 23: Alignment of BIAN and IFX
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MIRA-B complements the value proposition of MIRA-B complements the value proposition of industry architecture bodies and extends thoseindustry architecture bodies and extends those
elements to a reference architecture based on and deployed with Microsoft technology.elements to a reference architecture based on and deployed with Microsoft technology.
Extending Application Architectures to the CloudExtending Application Architectures to the Cloud
Cloud computing, and the ability Cloud computing, and the ability to efficiently access cloud resources is now to efficiently access cloud resources is now as important asas important as
application composition and SOA for improving time to application composition and SOA for improving time to market and reach, while reducing cost ofmarket and reach, while reducing cost of
operations. As we move into the future, the ioperations. As we move into the future, the industry will provide more and more specializedndustry will provide more and more specialized
services which are designed to be iservices which are designed to be integrated into a financial institution’s ntegrated into a financial institution’s business processes asbusiness processes asapplication ‘building blocks’. This application ‘building blocks’. This componentized approach can enable more ‘applicationcomponentized approach can enable more ‘application
composition’ in lieu of composition’ in lieu of every bank building redundant and often commoditized capabilities. Cloudevery bank building redundant and often commoditized capabilities. Cloud
computing and Services Oriented Architecture (SOA) will play an increasingly important role sincecomputing and Services Oriented Architecture (SOA) will play an increasingly important role since
many of these services will run in many of these services will run in the cloud and financial services institutions will the cloud and financial services institutions will leverage SOAleverage SOA
patterns as a primary mechanism to interact with these services. Aspatterns as a primary mechanism to interact with these services. As depicted below, Microsoft’sdepicted below, Microsoft’s
platform provides cloud-based computing, application, data and platform provides cloud-based computing, application, data and virtualization services for Publicvirtualization services for Public
cloud. For connecting them together, Microsoft Windows and Azure provides the ability to cloud. For connecting them together, Microsoft Windows and Azure provides the ability to quicklyquickly
and securely integrate public cloud resources into the enterprise including service bus and secure,and securely integrate public cloud resources into the enterprise including service bus and secure,
IPSec networking (via Windows Azure Connect, IPSec networking (via Windows Azure Connect, Service Bus Relay) and Service Bus Relay) and FederatFederated Claims-baseded Claims-based
Identity (via Active Identity (via Active Directory).Directory).
Figure 24: Sample Cloud Integration Figure 24: Sample Cloud Integration ModelModel
An architecture designed for leveraging cloud services enables more flexibility for financialAn architecture designed for leveraging cloud services enables more flexibility for financial
institutions to leverage business solutions and services that are built in-house as well as institutions to leverage business solutions and services that are built in-house as well as making itmaking it
easier to leverage an ISV or SI easier to leverage an ISV or SI solutions as well.solutions as well.
As with other computing models, adoption of cloud computing is not an all or nothingAs with other computing models, adoption of cloud computing is not an all or nothing
proposition. To benefit from cloud proposition. To benefit from cloud computing, financial institutions can take ancomputing, financial institutions can take an incremental incremental
approach to adoption as is suitable for approach to adoption as is suitable for that institution. Cloud adoption will ultimately span a that institution. Cloud adoption will ultimately span a rangerange
of scenarios from development and testing to production tier-1 of scenarios from development and testing to production tier-1 applications and will leverage aapplications and will leverage abroad set of capabilities ranging from highly broad set of capabilities ranging from highly automateautomated, elastic private cloud d, elastic private cloud infrastructinfrastructuresures
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(provided by Windows and System Center) to public, multi-tenant cloud p(provided by Windows and System Center) to public, multi-tenant cloud platforms (such aslatforms (such as
Windows Azure). For example, many benefits can be gained for development, test and/orWindows Azure). For example, many benefits can be gained for development, test and/or
production but it does not have to be all pproduction but it does not have to be all projects at once. The same goes for adopting cloudrojects at once. The same goes for adopting cloud
capabilitiescapabilities –– all capabilities and data storage need-not be migrated to all capabilities and data storage need-not be migrated to the public cloud at-once.the public cloud at-once.
For example customer data can be left on For example customer data can be left on premises but cloud computing power can be used premises but cloud computing power can be used forfor
analytics and high performance computing or perhaps leverage the simplified connectivity andanalytics and high performance computing or perhaps leverage the simplified connectivity and
caching capabilities in the cloud caching capabilities in the cloud for connecting systems together. Therfor connecting systems together. There are many differente are many different
strategies that can be used for migration to strategies that can be used for migration to the cloud. Microsoft provides many options the cloud. Microsoft provides many options to helpto helpyou in the you in the cloud journey including partners, professional services, as well as great self-servicecloud journey including partners, professional services, as well as great self-service
resources at Azure.com and MSDN.com. Additionally books such asresources at Azure.com and MSDN.com. Additionally books such as To the Cloud: CloudTo the Cloud: Cloud
Powering an Enterprise Powering an Enterprise by authors Pankaj Arora, Raj by authors Pankaj Arora, Raj Biyani, and Dave Salil provide references andBiyani, and Dave Salil provide references and
high-level process guide for cloud migration.high-level process guide for cloud migration. http://www.http://www.tothecloudguide.cotothecloudguide.com/the_book.am/the_book.aspxspx
MIRA-BMIRA-B –– Developing a Services View of Architecture Developing a Services View of Architecture
A critical challenge for A critical challenge for financial institutions is integrating new channels, applications, data flowsfinancial institutions is integrating new channels, applications, data flows
and operational processes into the traditional back office. Financial institutions must recognizeand operational processes into the traditional back office. Financial institutions must recognize
that the driving forces of that the driving forces of the product development and delivery channels versus the back officethe product development and delivery channels versus the back office
are very different, and the are very different, and the reference architecturreference architecture must e must accommodate this reality.accommodate this reality.
Front-office Front-office and Baand Back-office ck-office Different Different Focus Focus and Opand Operating erating ModelsModels
Front office and delivery channels (customer experience and product delivery)Front office and delivery channels (customer experience and product delivery)
This is the point of differentiation in the marketplace, where financial institutions compete onThis is the point of differentiation in the marketplace, where financial institutions compete on
functionalitfunctionality of y of products and serviceproducts and service
The primary point of customer experienceThe primary point of customer experience
Major driving forces being innovation, agility for Major driving forces being innovation, agility for rapid product delivery, and customer service.rapid product delivery, and customer service.
Operations (traditionallOperations (traditionally, y, the back office)the back office)
The commoditized area of banking and should be a black-box to customersThe commoditized area of banking and should be a black-box to customers
New channels create stress and change on operations; an area that demands stability and aNew channels create stress and change on operations; an area that demands stability and a
slow rate of changeslow rate of change
The major drivers are stability, efficiency and reuse of shared services.The major drivers are stability, efficiency and reuse of shared services.
To enable agility, To enable agility, reduce integration cost, and increase reuse across reduce integration cost, and increase reuse across the enterprise, financialthe enterprise, financial
institutions must decouple the rapid change cycle of institutions must decouple the rapid change cycle of the channels from the stable processing ofthe channels from the stable processing of
the back office. the back office. To achieve this To achieve this state, a multi-layered modular approach to state, a multi-layered modular approach to enterprise architectuenterprise architecturereis recommended to decouple is recommended to decouple business services from front-end processes.business services from front-end processes.
The MIRA-BThe MIRA-B services viewservices view highlights the integration capabilities of the Microsoft platform whichhighlights the integration capabilities of the Microsoft platform which
enables banks to implement modern-day integration including the integration of cloud computingenables banks to implement modern-day integration including the integration of cloud computing
resources into the banking architecture. The services view also shares Microsoft’s vision of howresources into the banking architecture. The services view also shares Microsoft’s vision of how
banking industry-specific service definitions and messaging standarbanking industry-specific service definitions and messaging standards like BIAN, ISO, and ds like BIAN, ISO, and IFX fitIFX fit
into the reference architecture and how they could provide a into the reference architecture and how they could provide a foundation for building repeatablefoundation for building repeatable
and standardized softwareand standardized software, not only , not only across the banking enterprise, but across the bankingacross the banking enterprise, but across the banking
industry. Figure 25 shows the simplified industry. Figure 25 shows the simplified capabilities view, introduces the typical workloads found incapabilities view, introduces the typical workloads found in
each layer and shows how these capabilities support theeach layer and shows how these capabilities support the services view services view of banking application of banking application
architecture.architecture.
The MIRA-BThe MIRA-B services view services view is segmented into the following is segmented into the following three strata: Business Service Factoriesthree strata: Business Service Factories
(Service Providers), Product Assembly (Service (Service Providers), Product Assembly (Service Composition), and Delivery (Service Consumption).Composition), and Delivery (Service Consumption).
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Figure 25: MIRA-B Services ViewFigure 25: MIRA-B Services View
The provider/composerThe provider/composer/consumer model is one of /consumer model is one of many ways to logically many ways to logically depict bankingdepict banking
integration, and it is an integration, and it is an appropriate view for demonstrating the points mentioned above includingappropriate view for demonstrating the points mentioned above including
the alignment to the BIAN Service Landscape within the architecture. The three strata are furtherthe alignment to the BIAN Service Landscape within the architecture. The three strata are further
defined (bottom up) as follows:defined (bottom up) as follows:
1. Business Service Factories (Service Provider)1. Business Service Factories (Service Provider)
The Business Service Factories (Service Providers) are to The Business Service Factories (Service Providers) are to all intents and all intents and purposes operationapurposes operational blackl blackboxes. The Business Service Factories (Service Providers) tend to boxes. The Business Service Factories (Service Providers) tend to perform data intensive processesperform data intensive processes
dedicated to specific applications and functions of business operations; such as Payments,dedicated to specific applications and functions of business operations; such as Payments,
Lending, Enterprise Risk and Customer. Each service provider will contain only the Lending, Enterprise Risk and Customer. Each service provider will contain only the applicationsapplications
and services specific to the nature of and services specific to the nature of that service factory’s (provider’s) business. These servicethat service factory’s (provider’s) business. These service
factories provide functions that are exposed for reuse, by multiple consumers of the services. Thisfactories provide functions that are exposed for reuse, by multiple consumers of the services. This
loose coupling helps to iloose coupling helps to isolate the services provided by back office operations from the vast solate the services provided by back office operations from the vast rangerange
of user-specific requirements in the diof user-specific requirements in the different end-user applications.fferent end-user applications.
The service provider’s services are consumed directly The service provider’s services are consumed directly or via or via an intermediary “product assembly”an intermediary “product assembly”
(services composition) layer. All factories may provide and consume services either directly or via(services composition) layer. All factories may provide and consume services either directly or via
the product assembly (services composition) layer.the product assembly (services composition) layer.
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2. Product Assembly (Service Composition)2. Product Assembly (Service Composition)
The service composition layer combines dThe service composition layer combines discreet services into business processes and applicationsiscreet services into business processes and applications
for consumption by service consumers. This is the for consumption by service consumers. This is the logical layer where standardized application,logical layer where standardized application,
integration and collaboration technology is integration and collaboration technology is used to define processes and used to define processes and workflows between theworkflows between the
delivery channels and core banking delivery channels and core banking applications. This layer enables channels to integrate verticallyapplications. This layer enables channels to integrate vertically
to core banking applications and also to core banking applications and also provides platform services for application enrichment suchprovides platform services for application enrichment such
as using as using itinerary-baitinerary-based workflow, sed workflow, orchestratorchestration, data ion, data transformattransformation, collaboration, andion, collaboration, and
productivity toolsproductivity tools –– thus producing a more valuable “composite application” for consumption andthus producing a more valuable “composite application” for consumption andreuse by the reuse by the Delivery (Services Consumption) layer. The Product Assembly (Service Composition)Delivery (Services Consumption) layer. The Product Assembly (Service Composition)
layer is the point in the service view at which multi-channel delivery begins to diverge and it islayer is the point in the service view at which multi-channel delivery begins to diverge and it is
logically where the Enterprise Services Bus as well as distributed services such logically where the Enterprise Services Bus as well as distributed services such as those built withas those built with
Windows Communication FoundationWindows Communication Foundation ((WCF ServicesWCF Services)) resides. resides.
3. Delivery (Service Consumption)3. Delivery (Service Consumption)
Consumers of the enterprise services are typically applications supporting the front-office, mid-Consumers of the enterprise services are typically applications supporting the front-office, mid-
office, or delivery office, or delivery channels; or another service (provider or channels; or another service (provider or composer). The Delivery (Servicescomposer). The Delivery (Services
Consumption) Layer of the MIRA-B services view defines the applications and devices thatConsumption) Layer of the MIRA-B services view defines the applications and devices that
consume enterprise services. The service consumption layer also consume enterprise services. The service consumption layer also enriches the services beingenriches the services being
consumed with collaboration and productivity capabilities. At this layer, the focus consumed with collaboration and productivity capabilities. At this layer, the focus is on end is on end useruser
experience and accomplishing the task at hand in experience and accomplishing the task at hand in the most effective and efficient manner.the most effective and efficient manner.
The Delivery (Services Composition) layer includes applications and The Delivery (Services Composition) layer includes applications and devices by which devices by which customerscustomers
interact with the financial interact with the financial institution. This includes institution. This includes Teller, Advisor, Trader, Wealth ManagerTeller, Advisor, Trader, Wealth Manager
applications as well as other applications for applications as well as other applications for contact centers, branchecontact centers, branches, ATMs, voice response unitss, ATMs, voice response units
(VRU), online applications, mobile device applications, direct host to host communications for(VRU), online applications, mobile device applications, direct host to host communications for
commercial clients, and emerging channels such as the television and gaming cocommercial clients, and emerging channels such as the television and gaming consoles.nsoles.
Taking this 3-layered model one step further, Figure 26 Taking this 3-layered model one step further, Figure 26 shows several exampleshows several examples of Delivery,s of Delivery,
Product Assembly processes, and Business Services Factories (along with Product Assembly processes, and Business Services Factories (along with typicaltypical
applications/moduleapplications/modules one might expect to s one might expect to find in the Risk find in the Risk and Payments service factories).and Payments service factories).
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Figure 26: MIRA-B Capabilities Services ViewFigure 26: MIRA-B Capabilities Services View
Figure 27 depicts a Figure 27 depicts a services composition for payments processing which includes services (whichservices composition for payments processing which includes services (which
could be traditional applications) to perform high could be traditional applications) to perform high and low value payments, externaand low value payments, external messagingl messaging
and integration to payments networks, and a reconciliations service. Figure 27 shows a and integration to payments networks, and a reconciliations service. Figure 27 shows a samplesample
business model for executing payments via the mobile banking channel. In business model for executing payments via the mobile banking channel. In this example thethis example the
Business Service Factories will provide services to the Product Assembly layer as needed byBusiness Service Factories will provide services to the Product Assembly layer as needed by
composite processes. The ‘Execute Payment’ service will require a composite processes. The ‘Execute Payment’ service will require a payment screening service frompayment screening service fromthe Risk Services Factory, and also one the Risk Services Factory, and also one or more payment services from the Payments Servicesor more payment services from the Payments Services
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Factory, based on the characteristics of the transaction. As part of Factory, based on the characteristics of the transaction. As part of daily operations, any givendaily operations, any given
Business Services Factory may also consume services from other Business Service Factories via theBusiness Services Factory may also consume services from other Business Service Factories via the
Product Assembly integration layer (such as via a service bus). This Product Assembly integration layer (such as via a service bus). This is essentially what is defined asis essentially what is defined as
‘itinerary‘itinerary--based processing.’based processing.’
Figure 27: Extending Banking Services to the Cloud (PFigure 27: Extending Banking Services to the Cloud (Payments Example)ayments Example)
Reference architectuReference architectures and res and development practices must also allow development practices must also allow for composite applicationsfor composite applications
that utilize cloud-based resources. To that end, this model also that utilize cloud-based resources. To that end, this model also allows for consumption of servicesallows for consumption of services
from the cloud. The example in from the cloud. The example in Figure 27 also shows that the Watch List Figure 27 also shows that the Watch List data published bydata published by
national governments is offered as a service in the pnational governments is offered as a service in the public cloud rather than downloaded andublic cloud rather than downloaded and
stored in multiple databases across any given banking entity. This approach opens up thestored in multiple databases across any given banking entity. This approach opens up the
opportunity to provide commoditized banking services to an entire industry, thereby realizing theopportunity to provide commoditized banking services to an entire industry, thereby realizing the
type of efficiencies espoused by BIAN.type of efficiencies espoused by BIAN.
Microsoft Capabilities as Microsoft Capabilities as an Enabler of an Enabler of Industry-stanIndustry-standard Banking Servicesdard Banking Services
This section illustrates how the integration capabilities of the Microsoft This section illustrates how the integration capabilities of the Microsoft technology stack can betechnology stack can be
leveraged to develop composite banking services that conform to the models developed andleveraged to develop composite banking services that conform to the models developed and
maintained by BIAN. Figure 28 shows how maintained by BIAN. Figure 28 shows how BIAN services can be implemented leveraBIAN services can be implemented leveraging toging to
Microsoft’s integration caMicrosoft’s integration capabilities.pabilities.
Cloud-Based Integration ExampleCloud-Based Integration Example
By leveraging the cloud platform and services, government agencies, banks and compliance software vendors all standBy leveraging the cloud platform and services, government agencies, banks and compliance software vendors all stand
to benefit. For example, governments could publish reference data to the cloud repository. Compliance vendors couldto benefit. For example, governments could publish reference data to the cloud repository. Compliance vendors could
deploy on-premise or cloud-based applications that consume reference data from the aforementioned data repositories.deploy on-premise or cloud-based applications that consume reference data from the aforementioned data repositories.
Finally, banks around the world would benefit from lowered technology costs and reduced compliance risk as theFinally, banks around the world would benefit from lowered technology costs and reduced compliance risk as the
reference data would be universally accessible on demand from local access points.reference data would be universally accessible on demand from local access points.
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Figure 28: MIRA-B Services View Figure 28: MIRA-B Services View Showing BIAN IntegrationShowing BIAN Integration
Starting at the top Starting at the top right, the BIAN right, the BIAN architecture meta-modearchitecture meta-models and ls and service descriptions areservice descriptions are
published and stored in an enterprise services registry and repository (components modelled inpublished and stored in an enterprise services registry and repository (components modelled in
thethe BizTalk Enterprise Service Bus Toolkit v2.1BizTalk Enterprise Service Bus Toolkit v2.1)). Microsoft platform capabilities provide both. Microsoft platform capabilities provide both
centralized and/or distributecentralized and/or distributed service hosting capabilities (for example in an d service hosting capabilities (for example in an ESB built on ESB built on BizTalkBizTalk
Server) as well as distributed hosting such as Server) as well as distributed hosting such as in the Windows Communication Foundation andin the Windows Communication Foundation and
AppFabric (an integration component within Microsoft Windows and Windows Azure) . The leftAppFabric (an integration component within Microsoft Windows and Windows Azure) . The left
area of the diagram shows an expanded view of area of the diagram shows an expanded view of Microsoft’s applicatiMicrosoft’s application integration on integration capabilities,capabilities,
originally covered in Section V originally covered in Section V of this document. These relate to the discrete areas of: of this document. These relate to the discrete areas of: EnterpriseEnterprise
Services Registry and Repository; SOA and Services Registry and Repository; SOA and EDA; Business Process.EDA; Business Process.
The lower right of The lower right of the diagram illustrates a view of a the diagram illustrates a view of a Service Composition layer which leveragesService Composition layer which leverages
Microsoft’s integration and messaging capabilities that enable faster development and integrationMicrosoft’s integration and messaging capabilities that enable faster development and integration
of services. For of services. For example, financial messaging components delivered by BizTalk Server and theexample, financial messaging components delivered by BizTalk Server and the
Accelerators for SWIFT and EDI Accelerators for SWIFT and EDI to handle compliant SWIFT to handle compliant SWIFT and EDIFACT/X12 message exchange.and EDIFACT/X12 message exchange.
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More details of the Microsoft Capabilities Model can be More details of the Microsoft Capabilities Model can be found in Appendix C. found in Appendix C. Additional detailsAdditional details
regarding BIAN can be found in Appendix G or atregarding BIAN can be found in Appendix G or at www.bian.orgwww.bian.org..
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Section VIIISection VIII
Why Microsoft?Why Microsoft?
Management of data and technology is the cornerstone of financial services, and oManagement of data and technology is the cornerstone of financial services, and of banking inf banking in
particular. Financial institutions that can particular. Financial institutions that can best manage data and systems, orchestrate businessbest manage data and systems, orchestrate business
processes and transactions, and have the highest level of insight into processes and transactions, and have the highest level of insight into business operations can gainbusiness operations can gaina competitive edge in the industry a competitive edge in the industry in terms of product innovation, operational efficiency, and riskin terms of product innovation, operational efficiency, and risk
management.management.
Microsoft believes that a modern, agile banking architecture based-on Microsoft technology is aMicrosoft believes that a modern, agile banking architecture based-on Microsoft technology is a
key enabler in helping financial institutions quickly key enabler in helping financial institutions quickly address industraddress industry trends and resolve technicaly trends and resolve technical
challenges to create new business challenges to create new business opportunities in today’s banking industry.opportunities in today’s banking industry.
So what differentiates the Microsoft value proposition in banking? So what differentiates the Microsoft value proposition in banking? There are four key areas:There are four key areas:
1. Standards Based Integration1. Standards Based Integration
The Microsoft platform provides for deep integration with third party technology iThe Microsoft platform provides for deep integration with third party technology including Oracle,ncluding Oracle,
IBM DB2, Sybase, and even proprietIBM DB2, Sybase, and even proprietary mainframe applications and dataary mainframe applications and data. . Industry-specificIndustry-specific
standards such as ISO 20022 and those standards such as ISO 20022 and those being developed within BIAN and W3C are directlybeing developed within BIAN and W3C are directlysupported. supported. Such flexibility allows for a finanSuch flexibility allows for a financial institution to stage a core systecial institution to stage a core system migration or am migration or a
new solution using existing financial institution data and avoid new solution using existing financial institution data and avoid business disruption.business disruption.
2. Assets for the Front, Middle, & Back 2. Assets for the Front, Middle, & Back OfficeOffice
Microsoft provides industry solutions that span devices to desktop, and Microsoft provides industry solutions that span devices to desktop, and datacentedatacenter to clor to cloud. Noud. No
other company provides a “full solution stack”. Microsoft other company provides a “full solution stack”. Microsoft continues to innovate incontinues to innovate in R&D around R&D around
devices and the cloud to drive nedevices and the cloud to drive new technology models. w technology models. The benefit is consistenThe benefit is consistency across thecy across the
development platform, securdevelopment platform, security model, and IT ity model, and IT services that can help a financial institution optimizeservices that can help a financial institution optimize
its operational efficiency and impact the cost its operational efficiency and impact the cost income ratio.income ratio.
3. Price/Performance and Reliability for 3. Price/Performance and Reliability for Mission Critical SolutionsMission Critical Solutions
The Microsoft back office platform has matured to the point where it is now being used to runThe Microsoft back office platform has matured to the point where it is now being used to run
entire stock exchanges such asentire stock exchanges such as DirectEdgeDirectEdge in the US, and to in the US, and to replace mainframereplace mainframes for core s for core bankingbanking
such as in the case of such as in the case of Skandinavisk DatacenterSkandinavisk Datacenter,, and in a and in a growing number of mission criticalgrowing number of mission critical
solutions across the industry.solutions across the industry. Microsoft works diligently with leading industry partners to optimizeMicrosoft works diligently with leading industry partners to optimize
their solutions for their solutions for the Microsoft stack and the Microsoft stack and develop benchmarks that demonstrate performancedevelop benchmarks that demonstrate performance
and reliability.and reliability.
4. Enterprise Class Development Tools4. Enterprise Class Development Tools
Microsoft offers a comprehensive suite of application lifecycle management tools for teams toMicrosoft offers a comprehensive suite of application lifecycle management tools for teams to
ensure quality results, from design to deployment. Whether you are creating new solutions orensure quality results, from design to deployment. Whether you are creating new solutions or
enhancing existing applications, Visual Studio enables a quicker time to market, low TCO enhancing existing applications, Visual Studio enables a quicker time to market, low TCO andand
enterprise class enterprise class robustnessrobustness..
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Section IXSection IX
SummarySummary
MIRA-B incorporateMIRA-B incorporates the elements discussed into a graphical view of the banking enterprises the elements discussed into a graphical view of the banking enterprise. . ThisThis
includes how IT capabilities are mapped to includes how IT capabilities are mapped to the Microsoft platform, how industry standards arethe Microsoft platform, how industry standards are
leveraged, and how mission critical disciplines are applied. Microsoft has aligned MIRA-B toleveraged, and how mission critical disciplines are applied. Microsoft has aligned MIRA-B toIndustry standards such as BIAN and explained the combination of great technology, people andIndustry standards such as BIAN and explained the combination of great technology, people and
processes as key facets of processes as key facets of mission-critical operations.mission-critical operations.
The Microsoft platform provides the foundational building blocks that allow The Microsoft platform provides the foundational building blocks that allow financial institutions tofinancial institutions to
deliver world class solutions in the deliver world class solutions in the areas of Sales and Service, Digital Marketing, Governance, Risk,areas of Sales and Service, Digital Marketing, Governance, Risk,
and Compliance, Business Insight, and Operations. Case studies and Compliance, Business Insight, and Operations. Case studies and customer success stories canand customer success stories can
be found online at thebe found online at the Microsoft Financial ServicesMicrosoft Financial Services industry pages. That said, banking industry pages. That said, banking solutions aresolutions are
most successful when the success pillars of people, process, policy, governance, and technologymost successful when the success pillars of people, process, policy, governance, and technology
are considered in delivery.are considered in delivery.
In order to In order to implement MIRA-B and the solutions it enables, Microsoft offers the services of itsimplement MIRA-B and the solutions it enables, Microsoft offers the services of its
industry partnersindustry partners as well as the as well as the architectural services of architectural services of Microsoft Consulting ServicesMicrosoft Consulting Services.. Our Our
enterprise banking customerenterprise banking customers are also invited s are also invited to visit theto visit the Executive Briefing CenterExecutive Briefing Center in Redmondin RedmondWashington to hear directly from Microsoft product teams and Washington to hear directly from Microsoft product teams and industry experts and see some ofindustry experts and see some of
the latest game changing solutions the latest game changing solutions first-hand.first-hand.
Insummary,thInsummary,therepeataerepeatablestandardsbablestandardsbasedrefesedreferencearchiterencearchitectureprovidedbyMctureprovidedbyMIRA-BcanhelpIRA-Bcanhelp
thebankingindustthebankingindustryreduceoveryreduceoverallcostsandrallcostsandprovideaplatforprovideaplatformforsustainedmforsustainedinnovationininnovationin
financialservicesfinancialservices.MIRA-Boutline.MIRA-Boutlinesaroadmasaroadmapforthefuturpforthefuturewiththearchiteewiththearchitecturalflexibilitytocturalflexibilityto
deliverindustrysdeliverindustrysolutionson-premiseolutionson-premiseorinthecloud.Aorinthecloud.Asaresult,tsaresult,thissupportsnehissupportsnewbusinesswbusiness
models,profitstmodels,profitstreamsandcureamsandcustomerexpestomerexperiencesthariencesthatenablefinatenablefinancialinstitutionstolevencialinstitutionstoleveragerage
technologyasametechnologyasameansofbeingansofbeingpresentinthepresentinthefinanciallivesofthefinanciallivesoftheircustomersircustomersanytime,anyanytime,any
place,acrosschannelsanddevices.place,acrosschannelsanddevices.
At the end of At the end of the day, a by-product of the day, a by-product of sound architecture is a seamless customer experiesound architecture is a seamless customer experience.nce.
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AppendicesAppendices
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Appendix AAppendix A –– Big Data Big Data
Traditional models for delivering analytics cannot address the growing quantities of data in theTraditional models for delivering analytics cannot address the growing quantities of data in the
same way as the past because the Time to same way as the past because the Time to Insight (TTI) can be too Insight (TTI) can be too long to create, load andlong to create, load and
analyze information.analyze information.
Figure 29: Big DataFigure 29: Big Data –– Standards Analytics Lifecycle Standards Analytics Lifecycle
The second diagram shows one approach possible with the Microsoft Data platform The second diagram shows one approach possible with the Microsoft Data platform to analyzeto analyze
data in-flight, dynamically create models and then query the data stream going-forward based ondata in-flight, dynamically create models and then query the data stream going-forward based on
the models. If desired, the analysis results can be stored the models. If desired, the analysis results can be stored in an archive but in an archive but the key-is that users dothe key-is that users do
not have to wait not have to wait for latent batch extract Transform and Load processes. This model is but for latent batch extract Transform and Load processes. This model is but oneone
example of many in-why Microsoft is considered a world example of many in-why Microsoft is considered a world thought leader around big data andthought leader around big data and
analytics.analytics.
Figure 30: Big DataFigure 30: Big Data –– SQL StreamInsight SQL StreamInsight
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Appendix BAppendix B –– Innovative End User Experience Innovative End User Experience
Delivering innovative, collaborative end user experiences and answering challenges to CoITDelivering innovative, collaborative end user experiences and answering challenges to CoIT
Innovative End-user CapabilitiesInnovative End-user Capabilities
Requirement Requirement MicrosoftMicrosoft-based -based Capabilities Capabilities Benefit/differeBenefit/differentiatorntiator
The BankingThe Banking
industryindustry
demands rapiddemands rapid
delivery of newdelivery of new
products andproducts and
services.services.
MicrosoMicrosoft has ft has an industry-leading an industry-leading applicatiapplicationon
platform and finished software services portfolioplatform and finished software services portfolio
that is rich with functionality.that is rich with functionality.
Rapid, team application development forRapid, team application development for
cloud and on-premise deployments,cloud and on-premise deployments,
Windows and non-Windows clients.Windows and non-Windows clients.
Leveraging highly-functionLeveraging highly-functional services al services suchsuch
as SharePoint and Lync as components ofas SharePoint and Lync as components of
the application platform significantlythe application platform significantly
decreases the coding effort to deliver clientdecreases the coding effort to deliver client
applications.applications.
Rapidly deliver the end-user experience inRapidly deliver the end-user experience in
managed and highly automated fashionmanaged and highly automated fashion
for VDI/RDS, rich clients and browserfor VDI/RDS, rich clients and browser
clients.clients.
Key Microsoft capabilities include:Key Microsoft capabilities include: Award winning design and developmentAward winning design and development
environmentenvironment
Leverages pre-built application Leverages pre-built application capabilitiescapabilities
and solution acceleratorsand solution accelerators
Versatile cloud and/or Versatile cloud and/or on-premiseon-premise
application platform.application platform.
Support for Model View Controller (MVC)Support for Model View Controller (MVC)
Robust driver development kit for bankingRobust driver development kit for banking
peripherals such as receipt & validationperipherals such as receipt & validation
printers, image scanner, etc.printers, image scanner, etc.
Integrated instrumentation plus automatedIntegrated instrumentation plus automated
management and monitoring.management and monitoring.
Rapid delivery to market for both Windows andRapid delivery to market for both Windows and
non-Windows client devices by using robustnon-Windows client devices by using robust
application development tools, prebuilt platformapplication development tools, prebuilt platform
functionality, and automated systems managementfunctionality, and automated systems management
capabilities.capabilities.
Today’s usersToday’s users
need efficientneed efficient
applicationapplication
interaction ininteraction in
the workplace.the workplace.
Innovative application capabilities and Innovative application capabilities and clientclient
applicatioapplications enhance the ns enhance the effectiveness ofeffectiveness of
employees, raise customer satisfaction, andemployees, raise customer satisfaction, and
decreases cost to serve.decreases cost to serve.
Key Microsoft Capabilities include;Key Microsoft Capabilities include;
Intuitive interfaces for delivery Intuitive interfaces for delivery acrossacross
multiple platforms, both Windows andmultiple platforms, both Windows and
non-Windows.non-Windows.
Advanced platform capabilities (finishedAdvanced platform capabilities (finished
services and platform components):services and platform components):
oo Integrated customer management (CRM)Integrated customer management (CRM)
oo Integrated business productivity -Integrated business productivity -
Collaboration, enterprise search,Collaboration, enterprise search,
presence, unified communications, datapresence, unified communications, data
visualization, data visualization, data connectivitconnectivity, y, contentcontent
management, etc.management, etc.
Improved end user productivity via highly-Improved end user productivity via highly-
integrated application services and businessintegrated application services and business
productiproductivity capabilities as vity capabilities as well as well as standalonstandalone cliente client
applications.applications.
Integrated customer management and businessIntegrated customer management and business
productivity capabilities provide finished softwareproductivity capabilities provide finished software
services as well as extend the capabilities of theservices as well as extend the capabilities of the
application platform.application platform.
Eliminates need to write infrastructure andEliminates need to write infrastructure and
integration code to develop enterprise solutions.integration code to develop enterprise solutions.
Also enables upgraded functionality from MicrosoftAlso enables upgraded functionality from Microsoft
over time.over time.
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Device, Security and Device, Security and Access ManagementAccess Management
Employees need to perform their jobs across an expanded range of locations and Employees need to perform their jobs across an expanded range of locations and with anwith an
expanded array of devices; both expanded array of devices; both corporate-issucorporate-issued and personal, Microsoft Windows-based anded and personal, Microsoft Windows-based and
non-Windows. IT organizations in the financial institution need to secure sensitive data andnon-Windows. IT organizations in the financial institution need to secure sensitive data and
provide low cost operations and management. To address this balance, Microsoft feels the bestprovide low cost operations and management. To address this balance, Microsoft feels the best
TCO and highest level of TCO and highest level of information security can be achieved by standardizing on Windows-information security can be achieved by standardizing on Windows-
based devices, applications, security, and management solutions. Microsoft also recognizes thebased devices, applications, security, and management solutions. Microsoft also recognizes the
financial institutions need for financial institutions need for multi-platform device and security management of multi-platform device and security management of non-Windowsnon-Windows
based client devices in-addition based client devices in-addition to Windows devices. Microsoft provides the to Windows devices. Microsoft provides the necessarnecessary strategies,y strategies,capabilities, applications and tools for managing and providing access to corporate resources bycapabilities, applications and tools for managing and providing access to corporate resources by
Windows-based and non-Windows devices.Windows-based and non-Windows devices.
Support forSupport for
new model ofnew model of
interaction withinteraction with
applicationsapplications
In-addition to a traditional keyboard andIn-addition to a traditional keyboard and
mouse for input; touch, gesture, pen/stylus, andmouse for input; touch, gesture, pen/stylus, and
voice have become mainstream inputvoice have become mainstream input
mechanisms and are supported by an extensivemechanisms and are supported by an extensive
set of APIs.set of APIs.
Key Microsoft capabilities include:Key Microsoft capabilities include:
Windows Touch APIWindows Touch API
Gestures APIGestures API
Speech Recognition APISpeech Recognition API
Windows Presentation FoundationWindows Presentation Foundation
Kinect APIKinect API
TellmeTellme
Prebuilt functionality and APIs for rapid applicationPrebuilt functionality and APIs for rapid application
development of applications with Natural Userdevelopment of applications with Natural User
Interfaces.Interfaces.
Build touch-screen Advisory applications for aBuild touch-screen Advisory applications for a
shared experience customer to provide new level ofshared experience customer to provide new level of
transparency and trust in banking processes.transparency and trust in banking processes.
Pen/stylus support supports signature capture toPen/stylus support supports signature capture toreduce paper processing.reduce paper processing.
Requirement Requirement MicrosoftMicrosoft-based -based Capabilities Capabilities Benefit/differenBenefit/differentiatortiator
SupportSupport
multiple devicemultiple device
form factors forform factors for
different use-different use-
cases within thecases within the
financialfinancial
institution.institution.
Microsoft OEM partners provide an array ofMicrosoft OEM partners provide an array of
Windows-based devices and form factors toWindows-based devices and form factors to
fit the range of banking users including;fit the range of banking users including;
roaming and stationary tellers, mobile androaming and stationary tellers, mobile and
branch-basebranch-based advisors, d advisors, analysts, and businessanalysts, and business
leaders.leaders.
Devices are available in a range of formDevices are available in a range of form
factors:factors:
Desktops, laptops, netbook, slates,Desktops, laptops, netbook, slates,
terminals, phones and more.terminals, phones and more.
The benefits of a The benefits of a being able to leverage abeing able to leverage a
common Windows operating environment acrosscommon Windows operating environment across
such a large range of devices includes consistentsuch a large range of devices includes consistent
compatibility, deployment, management, andcompatibility, deployment, management, and
especially security which will ultimately lead toespecially security which will ultimately lead to
lowest overall cost of operations and lowerlowest overall cost of operations and lower
information security risk.information security risk.
Manage &Manage &
secure Windowssecure Windows
and non-and non-
WindowsWindows
devices via onedevices via one
toolset andtoolset and
process.process.
Microsoft provides Windows and non-Microsoft provides Windows and non-
Windows based device managementWindows based device management
including Windows Phone 7, iOS andincluding Windows Phone 7, iOS and
Android.Android.
Key Microsoft capabilities include:Key Microsoft capabilities include:
Exchange ActiveSync policyExchange ActiveSync policy
enforcementenforcement
Advanced Windows deviceAdvanced Windows device
management via System Centermanagement via System Center
Configuration ManagerConfiguration Manager
Active Directory for Digital RightsActive Directory for Digital Rights
ManagementManagement..
Ability to enforce password policies, remote wipe,Ability to enforce password policies, remote wipe,
restore factory image, attachment handling, etc.restore factory image, attachment handling, etc.
Varies by manufacturer and device. For moreVaries by manufacturer and device. For more
information about mobile management capabilitiesinformation about mobile management capabilities
by vendor, refer to this link.by vendor, refer to this link.
http://blogshttp://blogs.technet.co.technet.com/b/jribeiro/arcm/b/jribeiro/archive/2010/0hive/2010/0
8/06/comp8/06/comparison-of-exchanarison-of-exchange-activesyncge-activesync-clients--clients-
windows-phowindows-phone-windowsne-windows-mobile-android-n-mobile-android-nokia-okia-
apple-palm.aspxapple-palm.aspx
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BitLockerBitLocker
AppLockerAppLocker
Active Directory & Group PolicyActive Directory & Group Policy
Windows Identity FoundationWindows Identity Foundation
Provide accessProvide access
to corporateto corporate
applications andapplications and
informationinformation
while protectingwhile protecting
sensitivesensitive
customer andcustomer and
businessbusiness
informationinformation
Microsoft infrastructure provides policy-basedMicrosoft infrastructure provides policy-based
access to corporate resources dependingaccess to corporate resources depending
upon user, level of trust of the device andupon user, level of trust of the device and
type of information being accessed.type of information being accessed.
Key Microsoft-based application accessKey Microsoft-based application access
capabilitiecapabilities s include:include:
Remote Access via VPN orRemote Access via VPN or
DirectAccessDirectAccess andand Forefront UnifiedForefront Unified
Access GatewayAccess Gateway
Network Access Protection (NAP)Network Access Protection (NAP)
Remote Desktop ServicesRemote Desktop Services
ApplicatioApplication n virtualizationvirtualization
Cloud/web-based applications suchCloud/web-based applications suchas Outlook Web Access and Officeas Outlook Web Access and Office
365.365.
Leverages management and security capabilitiesLeverages management and security capabilities
for both Windows and non-Windows basedfor both Windows and non-Windows based
devices to enable different methods of accessingdevices to enable different methods of accessing
corporate applications and information dependingcorporate applications and information depending
upon the capabilities and security of the device asupon the capabilities and security of the device as
well as the sensitivity of information beingwell as the sensitivity of information being
accessed.accessed.
For example, an unmanaged device may only beFor example, an unmanaged device may only be
allowed access via a remote desktop connection toallowed access via a remote desktop connection to
a corporate device or given access to a web baseda corporate device or given access to a web based
application while, domain-joined devices canapplication while, domain-joined devices can
access corporate resources via these methods andaccess corporate resources via these methods and
additionally allowed remote access via VPN and/oradditionally allowed remote access via VPN and/orDirectAccess with Network Access ProtectionDirectAccess with Network Access Protection
policies via Forefront’s Threat Managementpolicies via Forefront’s Threat Management
Gateway.Gateway.
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Deliver well-Deliver well-
performingperforming
applications andapplications and
servicesservices
amongstamongst
varying networkvarying network
conditions andconditions and
costs.costs.
Microsoft Windows is based on SMB 2.1 - anMicrosoft Windows is based on SMB 2.1 - an
evolution of Server Message Block. SMB 2.1evolution of Server Message Block. SMB 2.1
provides caching and compression servicesprovides caching and compression services
for the network to reduce network impact andfor the network to reduce network impact and
increase application performance.increase application performance.
Key Microsoft capabilities include:Key Microsoft capabilities include:
BranchCacheBranchCache
Offline File CachingOffline File Caching
File copy restartFile copy restart
Remote Differential (Network)Remote Differential (Network)
CompressionCompression
DistributeDistributed File d File Services (advancedServices (advanced
replication)replication)
Background Intelligent TransferBackground Intelligent Transfer
ServiceService
Reduce impact on WAN links between BranchReduce impact on WAN links between Branch
offices and offices and DatacenteDatacenters.rs.
Improve application performance across WANImprove application performance across WAN
links; improve task efficiency by reducing wait timelinks; improve task efficiency by reducing wait time
for file for file copy operations.copy operations.
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Appendix CAppendix C –– Detailed Capability View Detailed Capability View
Figure 31: Microsoft Products mapped to Figure 31: Microsoft Products mapped to Logical Technology ArchitectureLogical Technology Architecture
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Figure 32: Detailed Capabilities ViewFigure 32: Detailed Capabilities View
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Figure 32: DetailedFigure 32: Detailed Capabilities View (cont…)Capabilities View (cont…)
NOTE:NOTE: The Service Categories in this document are The Service Categories in this document are derived derived from Microsoft’s Infrastructurefrom Microsoft’s Infrastructure
Optimization (IO) assessment models. The models were developed in-partnership between MicrosoftOptimization (IO) assessment models. The models were developed in-partnership between Microsoft
and the Massachusetts Institute of Technology (MIT), a private research university located inand the Massachusetts Institute of Technology (MIT), a private research university located in
Cambridge, Massachusetts. Cambridge, Massachusetts. For applicability to this architecture document, the For applicability to this architecture document, the models have beenmodels have been
revised.revised.
The optimization models assess IT capabilities for existence in the enterprise as well as the maturity-The optimization models assess IT capabilities for existence in the enterprise as well as the maturity-
level of the IT level of the IT capability.capability.
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Appendix DAppendix D –– Approach to Mission Critical Architectures Approach to Mission Critical Architectures
One of the key One of the key value points of industry reference architecture is that it value points of industry reference architecture is that it provides a financialprovides a financial
institution with increased predictability and reliability when deploying IT solutions that solve institution with increased predictability and reliability when deploying IT solutions that solve forfor
critical business needs. However, technology capability as it relates to banking architecture is justcritical business needs. However, technology capability as it relates to banking architecture is just
one of the success one of the success factors required for the implementation of highly available mission-criticalfactors required for the implementation of highly available mission-critical
solutions.solutions.
Microsoft believes that there are 5 pillars that require thought, planning, and Microsoft believes that there are 5 pillars that require thought, planning, and resourcing in orderresourcing in order
to achieve the expected results from the implementation of industry reference architectures, asto achieve the expected results from the implementation of industry reference architectures, as
representrepresented in ed in the diagram below.the diagram below.
Figure 33: Mission Critical ApproachFigure 33: Mission Critical Approach
Implementation of a reference architecture model requireImplementation of a reference architecture model requires more than a commitment s more than a commitment toto
technology investment. There must also be buy-in and commitment to technology investment. There must also be buy-in and commitment to change from businesschange from business
groups to whom solutions are delivered. In fact, failure groups to whom solutions are delivered. In fact, failure in any one pillin any one pillar can jeopardize the abilityar can jeopardize the ability
to successfully transform to an agile banking to successfully transform to an agile banking architecturearchitecture..
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Appendix EAppendix E –– Integrated Security Services Integrated Security Services
Security is always a critical Security is always a critical concern for banks and their customers. Criminals, both external andconcern for banks and their customers. Criminals, both external and
internal are constantly trying to exploit security vulnerabilities to steal money and internal are constantly trying to exploit security vulnerabilities to steal money and valuablevaluable
information. Security challenges today are exacerbated by information. Security challenges today are exacerbated by the increasing volumes of data,the increasing volumes of data,
personal devices finding their way into the enterprise, and sources of security personal devices finding their way into the enterprise, and sources of security informationinformation
including botnets, phishing sites, social including botnets, phishing sites, social networks, portable and internet based storage.networks, portable and internet based storage.
Microsoft believes that there is no single Microsoft believes that there is no single solution for security and that protection is solution for security and that protection is needed atneeded at
multiple layers of the technology stack and multiple layers of the technology stack and throughout the entire IT lifecycle. The multilayeredthroughout the entire IT lifecycle. The multilayered
defense in depth is reflected in defense in depth is reflected in the suite of products that work the suite of products that work in an integrated fashion to in an integrated fashion to provideprovide
and manage security and identity services for the enterprise. As shown in and manage security and identity services for the enterprise. As shown in figure 32, Microsoft’sfigure 32, Microsoft’s
platform provides integrated security, information protection, digital rights management, as wellplatform provides integrated security, information protection, digital rights management, as well
as Identity lifecycle manageas Identity lifecycle management services throughout Microsoft’s ment services throughout Microsoft’s infrastructurinfrastructure, application,e, application,
database, and end users both on-premises and in the public cloud.database, and end users both on-premises and in the public cloud.
Figure 34: Figure 34: Multi-layered SecurityMulti-layered Security –– Defense in Depth Defense in Depth
gg
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At the foundation At the foundation to Microsoft’s security approach, processes, anto Microsoft’s security approach, processes, and philosophy is the Trustworthyd philosophy is the Trustworthy
Computing Initiative (TWC). This is a process guidance and goComputing Initiative (TWC). This is a process guidance and governance model for softwarevernance model for software
security to implement multi-security to implement multi-layered ‘defense in depth’ security program spanning layered ‘defense in depth’ security program spanning from a Securefrom a Secure
Development Lifecycle (SDL), through all operations, all Development Lifecycle (SDL), through all operations, all the way through the way through to decommissioning. Theto decommissioning. The
TWC initiative is a TWC initiative is a full lifecycle security process that governs all Microsoft products that arefull lifecycle security process that governs all Microsoft products that are
delivered to the marketplace. Additionally the guidance is shared with the public delivered to the marketplace. Additionally the guidance is shared with the public so similarso similar
processes and best practices can processes and best practices can be implemented for banking be implemented for banking enterprise operatenterprise operations.ions.
Results from the National Results from the National Vulnerability Database (NVD) which is maintained by Vulnerability Database (NVD) which is maintained by the Nationalthe National
Institute of Standards and Technology (NIST) exemplify the returns of the TWC iInstitute of Standards and Technology (NIST) exemplify the returns of the TWC initiative innitiative in
Microsoft for the enterprise: SQL Server 2008 R2 had Microsoft for the enterprise: SQL Server 2008 R2 had zero (0) critical vulnerabilities identified inzero (0) critical vulnerabilities identified in
the year 2010. As TWC marks its tenth year and continues into the future, focus will be placed onthe year 2010. As TWC marks its tenth year and continues into the future, focus will be placed on
the new world of the new world of device, data, and cloud services proliferation and everyone has a role to device, data, and cloud services proliferation and everyone has a role to play.play.
For more information about Trustworthy Computing Initiative ‘vFor more information about Trustworthy Computing Initiative ‘v--next’, Secure Developmentnext’, Secure Development
Lifecycle and Lifecycle and Defense-inDefense-in-depth, visit-depth, visit www.microsoft.com/twc.www.microsoft.com/twc.
gg
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Appendix FAppendix F –– Rapid Provisioning with Rapid Provisioning with Cloud ComputingCloud Computing
Financial Services is a highly Financial Services is a highly commoditized industry with rapidly changing regulation making “timecommoditized industry with rapidly changing regulation making “time
to market” a very clto market” a very clear benefit whether it is to ear benefit whether it is to capture a quickly emerging market opportunity orcapture a quickly emerging market opportunity or
to comply with to comply with changing regulations within the industry. As banks focus on changing regulations within the industry. As banks focus on strategic priorities, anstrategic priorities, an
architecture that enables cloud-based business and technology services will architecture that enables cloud-based business and technology services will facilitate the strategicfacilitate the strategic
sourcing of business functions and enable faster delivery of sourcing of business functions and enable faster delivery of business capabilities.business capabilities.
Microsoft cloud computing platform, both public Microsoft cloud computing platform, both public and private, can help address these challenges inand private, can help address these challenges in
ways that have outgrown ways that have outgrown traditional datacenter operations. By providing automated, self servicetraditional datacenter operations. By providing automated, self service
provisioning and elastic scaling capabilities; cloud computing capabilities can be a provisioning and elastic scaling capabilities; cloud computing capabilities can be a key asset tokey asset to
help address time to market for financial institutions. The help address time to market for financial institutions. The traditional process of sizing hardwaretraditional process of sizing hardware
requirementrequirements, software and hardware procurement, setup and tuning, s, software and hardware procurement, setup and tuning, and then ongoingand then ongoing
operationoperations seems to be the Achills seems to be the Achilles heel of “speedy delivery” for any es heel of “speedy delivery” for any technologytechnology-dependent-dependent
business initiative. Delivering businesbusiness initiative. Delivering business results can be a s results can be a lengthy, costly, and hard to lengthy, costly, and hard to expand whenexpand when
needed. Systems for projects are provisioned needed. Systems for projects are provisioned (often purchased) in-advance to handle redundancy(often purchased) in-advance to handle redundancy
and the highest bursts of and the highest bursts of activity that can be expected. Next is the struggle for activity that can be expected. Next is the struggle for developmentdevelopment
systems, lab and datacenter space, heating/cooling, etc. as well systems, lab and datacenter space, heating/cooling, etc. as well as ongoing as ongoing maintenamaintenance. Beforence. Before
delivering any business capabilities, significant time and cost is delivering any business capabilities, significant time and cost is expended in this procurement andexpended in this procurement and
provisioning process. Microsoft’s cloud capabilities on the other hand, whether public, private, orprovisioning process. Microsoft’s cloud capabilities on the other hand, whether public, private, orhybrid provides a distinct value by hybrid provides a distinct value by enabling theenabling the automaticautomatic provisioning of computing services inprovisioning of computing services in
minutes instead of days, weeks, or even months can cut minutes instead of days, weeks, or even months can cut significant time to market for thesignificant time to market for the
solutions.solutions.
Costs are also clearly a Costs are also clearly a factor in initiating new innovation and another clear benefit with factor in initiating new innovation and another clear benefit with cloudcloud
computing. With Microsoft-based private cloud in your datacenter and public cloudcomputing. With Microsoft-based private cloud in your datacenter and public cloud
configurations in Azure, the underlying computing power is designed to configurations in Azure, the underlying computing power is designed to be scaled-out as demandbe scaled-out as demand
requires and this can help limit requires and this can help limit upfront investments and time to provision. In addition to upfront investments and time to provision. In addition to upfrontupfront
costs, the ongoing cost of costs, the ongoing cost of operations for cloud infrastructures is hard to operations for cloud infrastructures is hard to match with typicalmatch with typical
datacenter operadatacenter operations due to tions due to the high-degree of automation and the large set of the high-degree of automation and the large set of computingcomputing
resources which are pooled. Microsoft provides massive, public cloud computing at-scale via resources which are pooled. Microsoft provides massive, public cloud computing at-scale via thethe
Windows Azure platformWindows Azure platform and provides private cloud computing via and provides private cloud computing via Windows and Hyper-v ServerWindows and Hyper-v Server
with automation and management tools that span public cloud, private cloud, and with automation and management tools that span public cloud, private cloud, and traditionaltraditionaldatacenter operations. Microsoft also works with datacenter operations. Microsoft also works with Original Equipment Manufacturers (OEMs) toOriginal Equipment Manufacturers (OEMs) to
provide pre-tuned and pre-provide pre-tuned and pre-configured virtualization ‘applianceconfigured virtualization ‘appliances’ as part of s’ as part of thethe Microsoft PrivateMicrosoft Private
Cloud Fast TrackCloud Fast Track program which is optimized for price program which is optimized for price and performance.and performance.
gg
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Appendix GAppendix G –– BIAN Service Landscape BIAN Service Landscape
age 6age 6
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