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Copyright © 2015 by Robert Frances Group . All Rights Reserved.
Open Cloud Financial Services
Forum
Summer 2015
Trends and Directions
2 Copyright © 2015 by Robert Frances Group . All Rights Reserved.
New Low Cost Players Technology Cu
lture
Gov
’ts
© 2015 IBM Corporation 12
#IBMKnowsBanking
The Banking Industry faces key challenges in this new era Dramatic forces across the industry require new approaches
Omni-channel Strategy
Integrated Risk Management
Optimize Financial Performance Management
Develop Innovative Offerings
Improve Customer Engagement
Digital Explosion
Slowly Recovering Global Economy
Empowered Customers
Increasing Non-Bank Competition
Risk and Regulatory Pressures
Challenges Objectives
Re-Architecting Core Applications
5 Copyright © 2015 by Robert Frances Group . All Rights Reserved.
Enterprise Platform Reference Architecture -Current and Future State Interaction Patterns
v 2015.01.19 [email protected]
Future State Architecture
Current State Architecture
End UserApplications
External Services/Apps
Externally Exposed Application/Service Components
Internal Services/Components
Externally Exposed Application/Service Components
Internal Services/Components
Service Gateway/Bridge
1
2
34
1 : Business solution completely based on Current State Architecture.
2 : Business solution completely based based on Future State Architecture.
3 : Business solution delivered by components on Future State Architecture consuming services hosted on Current State Architecture.
4 : Business solution delivered by components on Current State Architecture consuming services hosted on Future State Architecture.
And databases
Re-Architecting Core Functions
6 Copyright © 2015 by Robert Frances Group . All Rights Reserved.
Cloud native – 12-factor applications Cloud enabled core apps/functions • Sharded applications • Sharded / clustered databases
• Stateless compute and Web servers • RESTful APIs • Separate compute and persistence • Design for failure/ architect for
resilience • Security at all layers • Extensible data model
Rewrite, Cloudify, Extend, Integrate, Build new or buy? as a Service Working Group Track to address this
7 Copyright © 2015 by Robert Frances Group . All Rights Reserved.
Enterprise Architecture
which core services
who are the owners and
users
where are they located (front/middle/back
office) (client side/partner or branded/in-‐house or
outsourced)
key data (repositories?) (structured vs unstructured) (a=ributes)
how will they used SLAs business
objecBves
other Customer service
requirements
scope business concepts architectural view
notes: applicaBon definiBon
An applica0on is a collec0on of services exposed as endpoints as a collec0ve that are beneficial to a business func0on or IT service.
Service Requirements
8 Copyright © 2015 by Robert Frances Group . All Rights Reserved. Copyright BIAN 2015 | Banking Industry Architecture Network
Reference Data Sales & Service Business SupportRisk & ComplianceOperations & Execution
Product Specific fulfillmentProduct Specific fulfillment
Non IT and HR Non IT and HR Enterprise Services
Business Analysis
Bank Portfolio & Bank Portfolio & Treasury
Regulations & Compliance
ModelsModels
MarketingMarketing
ServicingServicing
Customer Mgmt
SalesSales
Channel SpecificChannel Specific
Product ManagementProduct Management
Market DataMarket Data
PartyParty
External AgencyExternal Agency
IT ManagementIT Management
Trade BankingTrade BankingLetter of Credit
Bank Guarantee
Trade Finance
Corporate Financing Corporate Financing & Advisory Services
Corporate Finance
M&A Advisory
Corporate Tax Advisory
Public Offering
Private Placement
Investment Investment Management
Investment Portfolio Planning
Investment Portfolio Analysis
Investment Portfolio Mgmt
eTrading Workbench
Consumer Services
Currency Exchange
Remittance
Corporate Trust Services
Brokered Product
Bank Drafts & Trvl. Checks
Consumer Investments
CardsCredit/Charge Card
Card Authorization
Card Capture
Merchant Relations
Card Billing & Payments
Business Development
Brand Management
Advertising
Promotional Events
Prospect Campaign Mgmt
Prospect Campaign Design
Customer Campaign Mgmt
Customer Campaign Design
Customer Surveys
Servicing Issue
Customer Case Management
Case Root Cause Analysis
Customer Case
Card Case
Customer Relationship Mgmt
Prospect Campaign Execution
Customer Campaign Execution
Prospect Management
Commission Agreement
Commission
Product Matching
Sales Planning
Customer Offer
Underwriting
Product Expert Sales Support
Contact Center Management
Branch Currency Distribution
Product Inventory Item Mgmt
Product Inventory Distribution
Branch Network Mgmt
E-Branch Management
Advanced Voice Services Mgmt
ATM Network Management
Contact Center Operations
Branch Location Operations
E-Branch Operations
Advanced Voice Services Ops
ATM Network Operations
Branch Currency Management
Product Design
Product Combination
Product Deployment
Product Training
Product Quality Assurance
Discount Pricing
Information Provider Admin
Party Data Management
Customer Profile
Syndicate Management
Correspondent Bank Data Mgmt
Sub Custodian Agreement
Product Broker Agreement
Product Service Agency
Contractor/Supplier Agreement
Correspondent Bank Rel Mgmt
Cross ChannelCross Channel
Point of Service
Servicing Activity Analysis
Contact Routing
Customer Contact Session Hdlr
Interactive Help
Servicing Event History
Business Command Business Command & Control
Business Unit Financial Analysis
Business Unit Financial Ops
Business Unit Accounting
Organizational Direction
Business Unit Direction
Business Unit Management
Finance Finance Financial Statements
Financial Control
Financial Compliance
Enterprise Tax Administration
Buildings, Equipment Buildings, Equipment and FacilitiesProperty Portfolio
Site Operations
Site Administration
Equipment Administration
Equipment Maintenance
Utilities Administration
Building Maintenance
Internal Audit
Procurement
Fixed Asset Register
Legal Compliance
Approved Supplier Directory
Company Billing & Payments
Market Research
Customer Portfolio
Segment Direction
Market Analysis
Competitor Analysis
Product Portfolio
Branch Portfolio
Channel Portfolio
Stock Lending/Repos
Corporate Treasury Analysis
Corporate Treasury
Asset Securitization
Asset & Liability Management
Bank Portfolio Analysis
Bank Portfolio Administration
Guideline Compliance
Regulatory Compliance
Compliance Reporting
Market Risk Models
Gap Analysis
Credit Risk Models
Customer Behavior Models
Credit/Margin Management
Production Risk Models
Operational Risk Models
Fraud Models
Liquidity Risk Models
Economic Capital
Business Risk Models
Systems Administration
IT Systems Directions
IT Stds & Guidelines
Development Environment
System Development
Production Release
System Deployment
Systems Operations
Platform Operations
Systems Help Desk
Systems Assurance
Internal Network Operation
Human Resource Human Resource Management
Business DirectionBusiness Direction
Knowledge & IP Knowledge & IP Management
Corporate RelationsCorporate Relations
Document Mgmt & Document Mgmt & Archive
HR Policies Direction
Employee Assignment
Employee Data Management
Employee/Contractor Contract
Employee Certification
Employee Evaluation
Employee Payroll & Incentives
Travel & Expenses
Employee Access
Employee Benefits
Workforce Training
Recruitment
Corporate Strategy
Corporate Policies
Product & Service Direction
Business Architecture
Continuity Planning
Management Manual
Intellectual Property Portfolio
Knowledge Exchange
Corporate Communications
Corporate Alliance/Stakeholder
Corporate Relationship
Regulatory & Legal Authority
Investor Relations
Document Services
Archive Services
Correspondence
Security Advisory
Security Assurance
Financial Inst.Valuation Models
Customer Order
Party Authentication
Transaction Authorization
Payment Order
Branch Location Management
Regulatory Reporting
Financial Accounting
Contribution Analysis
Contribution Models
Loans & DepositsLoans & Deposits
Current Account
Deposit Account
Loan
Leasing
Sales Product
Information Provider Operation
Market Information Mgmt
Financial Market Analysis
Financial Market Research
Quant Model
Market Data Switch Adm
Market Data Switch Ops
Financial Instr Ref Data Mgmt
Public Standards
Counterparty Administration
Location Data Management
Credit Facility
Cash Mgmt & Account Svs
Cheque Lock Box
Factoring
Direct Debit Mandate
Direct Debit
Syndicated Loan
Credit Management
Limit & Exposure Management
Project Finance
Market OperationsMarket OperationsMutual Fund Administration
Hedge Fund Administration
Unit Trust Administration
Order Allocation
Settlement Obligation Mgmt.
Securities Fails Processing
Trade/Price Reporting
Custody Administration
Corporate Events
Financial Instrument Valuation
Security Dlvry & Receipt Mgmt
Trade Confirmation Matching
Customer prod./service Eligibility
Customer Tax Handling
Interbank Relationship Mgmt
Lead/Opportunity Management
Product Sales Support
Wholesale Trading Wholesale Trading Trading Book Oversight
Dealer Workbench
Market Making
ECM/DCM
Program Trading
Traded Position Management
Market Order
Quote Management
Suitbility Checking
Credit Risk Operations
Market Order Execution
Trading Models
Cross Product OperationsCross Product Operations
PaymentsPaymentsPayments Execution
Collateral Collateral Administration
Collateral Allocation Mgnt
Collateral Asset Administration
Collections
Account ManagementAccount Management Operational ServicesOperational Services
Transaction Engine
Position Keeping
Position Management
Accounts Receivable
Account Reconciliation
Fraud Detection
Reward Points Account
Issued Device Admin
Counterparty Risk
Dunning
Open Item Management
Disbursement
Channel Activity Analysis
Rewards Points Awards & Red.
Customer Billing
Leasing Item Administration
Issued Device TrackingFinancial Message Analysis
Financial Message Gateway
Correspondent Bank Fulfillment
Cheque Processing
Central Cash Handling
Customer Agreement
Customer Access Entitlement
Customer Event History
Customer Behavioral Insights
Customer Credit Rating
Account Recovery
Sales Product Agreement
The BIAN Service Landscape v4.0
Channel Activity History
Fraud/AML Resolution
Contact Management
Corporate Current Account
Customer Workbench
Use or modify?
