Project: 'Open Source Application for Financial ... · FinTP - Vision and Scope ... 2.1 About this document The paper contains the vision, scope and limits of the 'Open Source Application

FinTP - Vision and Scope

Both last valid version and version history are available on the project site Page 1 of 43 Allevo Confidential

Business Information Systems (Allevo) SRL

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Sediu executiv 23C Calea Vitan 031281 Bucharest Romania

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Motto

ldquoIt is useless to be a creative original thinker unless you can also sell what you createrdquo

David Ogilvy

Project

Open Source Application for

Financial Transactions Processing

Project code FinTP

Project doc Vision and Scope

Version 27

Revision number 8

Owner

Allevo

Owner registration numberdate 803419032012

Authors Corina Mihalache

Dan Anghelescu

George Marcu

Horia Beschea

Sorin Guiman






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Table of contents 1 Control section ____________________________________________________ 3

2 Introduction _______________________________________________________ 4

21 About this document 4

22 Executive summary 4

3 Background and Business Opportunity _________________________________ 6

4 Vision of the solution _______________________________________________ 7

41 Vision 7

42 FinTP Positioning 9

43 FinTP Applicability 10

44 Key Business Objectives and Success Criteria 18

45 Market Sizing 19

46 The FINkers United community 20

5 Solution Description amp Parameters ____________________________________ 21

51 Features 21

52 Assumptions and Dependencies 24

53 Stakeholders 28

54 Operating environment 28

55 Risks 28

6 High-Level Architecture ____________________________________________ 29

7 Project approach _________________________________________________ 31

8 Scope __________________________________________________________ 33

9 Limitations ______________________________________________________ 35

10 Appendix - Risks __________________________________________________ 36

11 Appendix - Bibliography ____________________________________________ 40

12 Appendix - Glossary _______________________________________________ 41






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1 Control section Update history

Date Author Vers Comments

20 feb12 George Marcu 10 Prerelease version 16 mar12 19 mar12 09apr12 22iun12 27iul12 31aug12

George Marcu George Marcu George Marcu SG DA SG DA SG DA

20 25 25 26 26 26

1 Added control section 2 Migrate RomGlish closer to English 3 More clarity in text and Glossary 4 Fixed first commentaries on

a FinTP code integrity and safety b Community structure c unified referenced institutionsconcepts d updated attachments as well

5 Tables format corrections 6 Bibliography review 7 Added use cases timeline Text left in yellow means comment Text left in red means alert New chapter - FinTP Aplicability Term updates in Project approach and Next steps tables Image updates from FinTP Aplicability chapter Chapter 9 Limitation ndash term updates (table) Image update Micro-finance institutions

12oct12 JG 27 Update FinTP high-level picture Rename The community chapter to The FINkers United community

Verified and approved

Name Position title Date Version

Corina M

Distribution list

Name Position title Company Version Kosta Peric Matteo Rizzi Mariela Atanassova Judit Baracs Stephan Kraft

SWIFT 1 25

Rodica Tuchila ARB 1 2

AV MLD IBM 2

Marcelina Joavina MSFT 2

Zoli Herczeg MSFT 25

Artur Pereira Descontel

Louis Suaacuterez-Potts Karl Fogel

Independent consultants

25

Silviu Hotaran Gustav Kaeser Semper Human

2

Norbert Houmlckl Gregor Vogrin GCI Management 25

Sibos visitors via mem stick 27

Related documents and links

Related documents Document ID or link






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2 Introduction Allevo intends to prepare and publish a freely licensable financial transactions

processing application further dubbed FinTP

The document is an introduction for further product design and implementation as well

as an initial tool for communication with different sponsors regarding this initiative

Concurrently the document provides Allevo an overall view on how to simultaneously

deploy the two tightly coupled components of the FinTP project creating an open

source application for processing financial transactions and launching a controlled

community of professionals

21 About this document

The paper contains the vision scope and limits of the Open Source Application for

Financial Transactions Processing project coded FinTP

The document provides high level information on the business opportunity the solution

vision and description the high level architecture the project approach what is and

isn‟t included in the scope of the project and the next steps

If there‟s need for further information please

‐ see the glossary section

‐ contact the authors who welcome questionscomments as help to improve the

clarity and consistency of the script

22 Executive summary

This section provides the abstract of the scope and motivation of the FinTP project

What Allevo undertakes

Allevo aspires towards sharing its existing assets to open a new door to a larger more

transparent and collaborative market To put it bluntly Allevo has decided to make the

strategic move of publishing into the open source space their application for

processing financial transactions

Why

The simple reason behind this initiative is achieving a larger footprint in the financial

industry In other words Allevo is ready to bet that the trust and enthusiasm of the

community members strongly influence both the sales and further developments of the

shared product

No man is an island

This exciting journey Allevo has embarked on is not doable without companions There

needs to be a cohesive community (contributing resources talents and ideas) A

moderator is also needed to guarantee that challenges are understood that actions

anticipate the desired solution and that proper decisions are taken






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When

Allevo has already initiated the project confident to quickly find other visionaries

sharing same or better ideas on how to lay the firm foundation of a new efficient and

successful financial ecosystem

How

By both creating the open source application and simultaneously launching the related

community

What is in it for

Allevo the company will become member of a club where it can seed future

developments

The community members they will become members of a club unified by the mutual

interest of pushing the interoperability level to the more refined stage of financial

transactions processing while enjoying the benefits of a falling TCO

The Moderator this entity will consolidate its influence and prestige in the rapidly

transforming financial market






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3 Background and Business Opportunity Payments and securities processing is the earliest form of software development in

most financial institutions The evolution in rules and regulations has very often been

built upon these developments with patchwork as result

The payments arena ie the processing of payments in itself has reached a high level

of maturity and operational software should no longer be a differentiator Payments

have become a commodity in the financial industry

Lazaro Campos in his first Sibos speech as CEO of SWIFT in the opening plenary of

Sibos 2007 in Boston has suggestively stated that SWIFT products should evolve to

the operational simplicity of a widespread fax machine

The financial ecosystem is going through major technology shifts and is at the same

time facing an increasing regulation pressure These changes represent business

opportunities for Allevo The opportunities are being driven by market forces - consumer

requirements supply and demand - not by regulators Companies and communities

start experiencing new financial instruments such as PayPal Google wallet

Facebook UK faster payments mobile payments amp commerce M-Pesa NFC etc

The existing solutions for payments processing are proprietary featuring a great

variety of licensing models amp costs implementation lead time maintenance amp support

In short not something one would expect for a commoditized process

Allevo is strongly committed to publish under free-open licensing terms its own

financial transactions processing engine - which capitalizes on a seven years practice

proven commercially available application

In our view an open source application represents in fact the acceptance of the

commoditization of the payments processing arena an opportunity to get away from

existing patchwork

60 of the financial services industry is committed to adopt open source software as

part of their infrastructures 72 having well defined open source licensing policies1

This trend is due to the actual challenges the financial industry faces

Should FinTP application be SaaS and cloud ready it will offer the customers options

to architect their business infrastructure according to their strategy

1 According to the Open Source Research (Aug 2010) authored by Accenture






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4 Vision of the solution 41 Vision


This paragraph explains why and how Allevo is going to cut the branch it happily sits on

Today Allevo is milking a conveniently productive cash cow namely qPayIntegrator

an application created for processing financial transactions qPayIntegrator is a

practice proven solution certified by SWIFT on SEPA and Remittances compliance It

ensures revenues through new licenses sales and the recurring maintenance and

support services

Bitten by the flea of restless evolution Allevo aspires towards sharing its existing

assets to open a new door to a larger more transparent and collaborative market To

put it bluntly Allevo has decided to make the strategic move of publishing into the

open source space an application for processing financial transactions

Why


industry In other words Allevo is ready to bet that sharing its application in the open

source space the trust and enthusiasm of community members will strongly influence

both the spreading and further developments of the shared product

This initiative is a commercially disruptive transformation in the sense that the

distribution of the financial transactions processing application will be mainly the task

of the community members If the TCO will be significantly convenient and if the

solution will match the needed quality trust and safety then Allevo expects that the

market acceptance trend will be solidly sharp An open source application for

processing transactions will not only solve the specific needs of a company but will

also generate sub-communities (either regional or by industry) They will push the

interoperability of the application forward to transactions interpretation and their

operational consequences industry-wide

People will continue to generate increasing amount of data and will want to use that

data from different locations paying no attention to distances The trade and financial

community should match this new developing framework with a new financial

ldquoecosystemrdquo What today are premium applications tools or devices will commoditize

in the future to come

Todays high speed communication channels and powerful multipurpose personal

devices put pressure on companies to rethink and adapt their services Allevo strongly

believes that one of the missing pieces of this developing ecosystem is a versatile

safe free of licensing cost and widespread application for processing financial

transactions It should be capable to connect to various communication channels It

should bring together cloud based resources corporation back or front-office systems

intelligent wholesale or retail equipment transportation and many other assets this

new global ecosystem is ready to use






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No man is an island

This exciting journey Allevo embarks on is not doable without companions

The most obvious need is that of a cohesive community with sufficient resources

talents and ideas By cohesive Allevo means that the enrolled companies and

individuals share the same set of values These are professional ethics proven

practice professionals safe amp failure-free operations While the participants speak the

same language the intent of working for efficient interoperability means eliminating

misinterpretation Thus the need to manually process transactions will be reduced and

many current ldquoexceptionsrdquo will be eliminated

Like any other form of people gathering the community needs rules governance

agora to make their voice clearly heard (requirements amp ideas) A supervisor is needed

to guarantee that the challenges are understood that the actions anticipate the desired

solution and that proper decisions are taken In this document the supervisor is called

Moderator since atop of being a moderator the supervisor should also be an

accepted and trustful negotiator perceived at the same time as a leader by all

community participants

When

Allevo is in a position of offering a reasonably strong ground for both creating this open

application and starting a community

On the latter Allevo qualifies to be one of the first members of the community given its

firm belief that the world will become a large cooperation space where ideas data and

information will be openly exchanged and knowledge openly shared - in the best

interest of the people

The deep root of the software application that Allevo brings to the community is

credited by 7 years of practice and features a number of credentials Making FinTP an

open application qualifies it to become a tool for companies with constrained budgets

Adopting FinTP will empower its customers to equally interpret both the syntax and

semantic of the exchanged financial instructions

Bottom-line Allevo has initiated the project confident to quickly find other visionaries

sharing the same daring ideas on how to lay the firm foundation of a new efficient and


How

Now this is the tricky part of the story The easiest part of the project is creating the

open source application The success lies in launching the community simultaneously

This means that prior to the official release the community roles should be well

defined fundamentally agreed upon by the main sponsors the Moderator should

formally engage and the initial membership should include some prestige companies

and IT vendors Thats tough but this is how it has to happen

What is in it for


developments This will further lead to the enhanced visibility of Allevo team and

portfolio


interest of pushing the interoperability level to a more refined stage of financial







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transforming financial market It will be the parent of the deeper standardization of the

financial business crossing the bridge between financial messages conveying

between institutions up to the institutions interface with their customers This will lay

the ground for the financial integration to equal the industrial and trade distribution

chain footprint

Whats next for FinTP

After FinTP has successfully been adopted in the market on a reasonable scale the

future looks even brighter

Companies relying on a trustful standardized processing application will be able to free

up their minds amp budgets for what uniquely differentiates them in their customers‟

eyes quality of service relevance trade easiness agility of delivery risk containment

social responsibility or other distinctive factors

Once all this has settled in self-adaptive trade business systems will come forward to

close the loop between customers and their providers

42 FinTP Positioning

FinTP is a key business software that opens markets by aggressively addressing

customers with constrained investment budgets Allevo strongly believes that FinTP is

tightly knitted to SWIFT 2015 Strategy2

The payments arena in itself has reached a high level of maturity payments becoming

a commodity on these premises back-office software should no longer be a

differentiator

FinTP creates a widespread financial transactions processing platform a cheap

alternative (to the current proprietary payment systems) for an industry common

solution which will evolve into a new standardization layer

2 See Bibliography






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FinTP shifts the competitive space and consequently the innovation drive (from back-

office and mostly financial institutions and large corporations) to SWIFT traditional and

new business areas (treasury and front-office of the banks large financial institutions

corporations and SMEs - including MFIs)

43 FinTP Applicability

The usage of FintP in several domains ndash banks micro-finance institutions CSMs corporations and public administration ndash is discussed The main building blocks provided by FinTP for the processing of financial transactions are shown in each case

For setting the scene consider the naiumlve drawing (see below figure) which depicts

1 the bank‟s applications - implementing the core products and services the banks provides to its customers (FX Lending Payments TF custody etc)

2 banking correspondent business and infrastructures they connect to to settle for example their payments

3 corporate customers or local financial institutions engaged in distributing their products and services

4 the individuals who benefit from the service of the bank directly or intermediated by partnering financial institutions or corporations - including retail chains connectivity channels that are either SWIFTNet or VPNs over internet or bank‟s own private network






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Given the application scalability FinTP is fitted to deal with

1 B2B environment type FinTP performs transactions routing and processing between the before depicted institutions thus achieving cross industry interoperability Additionally FinTP helps the business customers to consolidate their financial or treasury operations similarly helps the retail chains to reconcile and settle the available stock with the registered sales

To exemplify ensuring SEPA Readiness for banking institutions and for their customers is briefly discussed

By 2014 banks in EURO zone should be ready to process instructions in ISO20022 format FinTP can be an efficient solution to achieve rapidly compliance with the EPC provisions

Are the bank‟s customers ready to send the instructions data in the right format Are you ready to accept this type of data Are you able to extend solutions to help your customers better preparing for SEPA instructions FinTP has the right building blocks for banks and corporations

2 B2C environment type FinTP goes further down to the end customers The individuals can interact directly in a branch or remotely using their computers tablets smart phones to provide them with personal financial portfolio management It enables them to operate on their bank account or to do shopping It also supports new financial instruments such as PayPal Google wallet Facebook UK faster payments mobile payments amp commerce M-Pesa NFC etc

FinTP applicability profiled on beneficiary type






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a Banks

Regional and international banks are rethinking and often improving their business architecture because of strong penetration of traditionally non-financial business in the money supply chain

The banks have in general the following choices

i Stay the course This often means keep on muddling

ii Outsource the processing of financial transactions in its entirety or in parts

iii Lower the recurring costs dramatically and benefit from joint developments by implementing Open Source solutions for commoditized parts of the needed infrastructure

Allevo provides the building blocks for the processing of financial transactions (FinTP) for those organisations who want to go for the third strategic choice

Toolbox3 (see 51 Features for details) as illustrated in bellow figure

Business flow consolidation

External interfaces to market infrastructure(s)

Funds transfer (credit transfer direct debit debit instruments duplicate detection treasury flows)

Operational functionalities such as liquidity reporting accounting reconciliation AML transactions filtering remittances management competitive reports etc

All helping the bank to manage the operational risk

3 Toolbox means a comprehensive collection of ready to deploy operational features






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Payment factory - as illustrated in the bellow figure - is the bank-centralized service for smaller financial institutions or corporations to provide payment and collections processing in compliance with regional or global regulation along with additional service (eg intra-day limits etc)

A similar type of architecture can be used to set-up a bank administrated Member Concentrator or a (SWIFT) Service Bureau or a Payment Service Provider






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b Micro-finance institutions

Toolbox3 (see 51 Features)

Integration of micro-financing application with mobile payment operator(s) and banks It provides support for loan applications loan disbursement and repayments It integrates the mobile payments and the banking payments and as such provides working capital management Multi-MMTs amp multi country operations are also supported






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c CSMs


CSMs can use FinTP (as shown in the bellow figure) to provide its customers an

effective connectivity readiness package Likewise CSMs can use FinTP to connect

themselves to other CSMs they need to






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d Corporations


The financial or treasury department of the corporation can use FinTP (as depicted in

the figure bellow) to concentrate the processing and management of all their financial

business in one single operation window FinTP provides the building blocks for a highly

effective money supply chain between banks providers and customers Beyond that

FinTP empowers control on the working capital and financial resources






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e Public administrations


Public debt business automation through Treasury Bonds settlement on all trade phases eg pre- sales post-

Wages and pensions payment in compliance with SEPA regulations

Structural funds financial management (in a business group managed by the State Treasury)

FinTP plays a multiple roles in the Public Administration financial business

a Bridge between the global banks secure network (SWIFTNet) and the Government

secure national network performing format conversion and business flow mapping

thus FinTP acts as a financial integrator of the different public institutions

b Interoperability gateway with the banking community and financial market

infrastructures

c Auctioning portal for the Treasury Bonds allocation and settlement for the Primary

market

d Management of the payments related to Structural Funds financed projects and to

the providers of the public institutions

e Payments (such as wages pensions state subsidies) due to individuals intermediated by banks using SWIFTRemit framework Similarly the taxes collection should be handled by the same system and framework FinTP provides means to perform the operations using either mobile devices or the internet






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44 Key Business Objectives and Success Criteria

Today Allevo faces two major limitations in fulfilling its business objectives

1 Strong dependency on its narrow national market and thus being limited to the

known European Union and particularly Romanian practice

2 Significant allocation of the development talents to maintaining qPayIntegrator

rather than working to new business oriented products

Allevo is going to expand its business footprint and simultaneously shift its revenue

source from back-office solutions towards its customers business area (treasury front-

office) applications

To achieve this goal Allevo will focus on developing FinTP business and on gathering

a strong supporting community formed by representatives of the targeted market The

coherence of the community should be ensured by a trustful and committed

moderator

Therefore for the success of the project Allevo deems instrumental the go-to-market

process the solid take-up tempo and the quality of the community

On the FinTP side Allevo should tightly focus on

1 Understanding the community members‟ needs values and priorities in

relationship with their business competitive ecosystem

2 Improving the product management process and the technical commercial amp

distribution documentation

3 Identifying and centring the attention on strong idea generation selection and

monitoring processes

4 Elaborating the right product architecture to enable easy functional and technical

scalability maintainability diagnose native features for flexible customization

compliance to global and regional financial standards and preserving the initial

licensing structure across various customers business models

5 Strengthening project management

6 Designing coherent knowledge transfer process

7 Designing efficient customer support

As a member of this FinTP open source community Allevo will provide

1) the open source FinTP application

2) knowledge transfer (training amp consultancy) to both early adopters and to the

product development amp maintenance body (see 46 The community)

3) for a limited period of time

- support amp maintenance

- alignment to technology standards amp regulation

4) further improvements

5) contribution to relevant proofs of concept community web site conferences

articles online awareness

The power of the community will draw other vendors to partner together to ensure

market coverage each of them complementing the other through their expertise






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FinTP distribution will be performed via the communitys portal while the initial

consultancy product installation and support services will be delivered remotely

Following the free open source software model FinTP will be available under an open

license free of charge

In designing the new products Allevo will benefit on mid and long term from the deep

insight both of FinTP internals and the structure and operation of the community

45 Market Sizing

Our evaluation of the FinTP targeted market size

- the global market size taken into account is 26100 institutions out of which

100 tier1 (by financial transactions business size) 1000 tier2 5000 tier3 amp

20000 tier4

- an average FinTP engine licensing fee is euro30000 resulting in potential

maximum expenses of euro783 million

- the corresponding yearly maintenance fee is euro5400 resulting in potential

maximum expenses of euro700 million in 5 years

- the number of potential institutions adopting FinTP in the first 5 years of

availability 250 tier3 amp 2000 tier4

- consequently the savings in 5 years could reach euro675 million in license

fee and euro2025 million in maintenance fee resulting in a total of almost euro90

million

Allevo believes that (at least) during 2013 and 2014 its current income source will be

preserved while after that period the main replacement of the lost (new licensing and

recurring maintenance) fees will mainly consist of services (consulting

implementation support education) and sales of licenses for newly launched

applications






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46 The FINkers United community

The community structure comprises three main entities (as depicted in the bellow

figure)

1 The adopters (beneficiaries) consumer companies choosing to adopt the

FinTP product in compliance with the community line of business and ethical

conduct

2 The moderator the instrumental inspirational authority expected to draw both

the development vision and the guidelines of the community

3 The contributors

a institutionalized bodies eg development and maintenance test and

validation audit legal marketing

b independent contributors eg ISVs (Allevo falling under this category)

solution providers integrators or passionate developersindividuals






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5 Solution Description amp Parameters Like qPayIntegrator FinTP offers a

standard compliant processing

engine for the financial transactions

exchanged between the back-office

or ERP applications and the financial

community (banks MFIs market

infrastructures corporations)

FinTP is able to process financial

messages in both FIN and ISO20022

formats and at the same time offers

a rich set of interfaces to different

financial applications FinTP provides

compliance with various clearing and

settlement mechanisms

Consequently FinTP ensures a high

level automation of the end-to-end

financial transactions processing

51 Features

The FinTP project has two major deliverable components

1 the FinTP application itself

2 the community built around FinTP

All subsequent chapters will refer to both of these

Component code

Component description Comments

FinTP4 FinTP is a financial transactions processing engine for 3rd or 4th tier banks microfinance corporate or SMEs treasuries available as open source application Functional characteristics

1 Operational features

o Predefined flows and message formats

Includes reconciliation of confirmations with transactions

o Single and multiple funds transfer instructions securities settlement amp reconciliation (Romanian Euroclear) messages

The supported payment instruments are credit transfer direct debit debit instruments

o MTMX coexistence Based on FinTP native internal data format (ISO20022)

o Multi-BIC multi-currency

o SEPA ready (certification) Compliancy with EPC regulations for SEPA formatting and business flows (for SCT and SDD) enables bank-to-bank and bank-to-CSM settlement

4 FinTP root is Allevo equivalent product qPayIntegrator a commercially available amp practice proven (since

2005) application qPayIntegrator provides a consistent set of functionalities and it is fully aligned to both industry regulations and technology






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Component code


o TARGET 2 ready Compliance with TARGET2 settlement and operations as regulated by the ECB

o SAGSAASAE SAL interfaces

Integration with SWIFTNet to enable banking business

o Liquidity reports Real time cash reports and forecasts using several criteria (currency subsidiary profit centre)

o Competitive reports (based on standard deviation of the correspondent bank or customer behaviour)

Analysis and reports of market trends based on volumes amount BIC etc along with early alerts on behaviour changes beyond the standard deviation

o Accounting reconciliation Automatic NOSTROVOSTRO accounts reconciliation intraday liquidity reports and integrated exception management

o AML (sanctions list matching)

High and low value payments filtering uses 20+ black lists and ensures their content maintainability

o Duplicate detection Detection and investigation of possible duplicates the detection window and criteria are configurable

o Remittances processing Covers banks business and operations area as well as distribution channel

o Treasury markets Automation of treasury flows (FX and money market)

o Statements Processing of SWIFT messages related to correspondent banks accounts administration

2 Technical features

o Financial message routing and monitoring

o Multi-threading capabilities

o Persistent end-to-end transactions

During each phase of the entire processing cycle permanent copies of the transaction are kept until the final completion thus avoiding any transaction duplication or loss

o Batching unpacking

o Resilience at transaction level

o Archiving

o Tracing and logging transactions and user events

o Transient errors detection and recovery

o Real-time search and reports

o Security access and user administration

o SaaS cloud ready






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Component code


FINkers United - community

Since FinTP is an application handling financial transactions the product releases and the related community should be tightly regulated and controlled As the project matures these components will be further refined The following main components of the community have been identified

‐ the moderator ‐ the product development

and maintenance body ‐ the product and

community auditor body (acting as a gatekeeper of official releases) to control and maintain the change requests integer and eliminate any malware exposures

‐ the test and validation body

‐ the legal body for defining the frame for product distribution amp licensing

‐ the marketing entity responsible for creating awareness and attracting contributors and adopters

‐ the portal used as a channel for marketing support and version control

‐ individual contributors namely ISVs solution providers developers integrators who wish to use their skills and knowledge to the benefit of the community

‐ the adopters financial institutions banks MFIs corporations SMEs SSBs etc






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52 Assumptions and Dependencies

The analysis is structured on the two main interrelated deliverables of the project the

application and the community Both should be simultaneously available by the end of

the first year of the project

FinTP

For the FinTP application the main identified items are technology tools licensing

regulatory compliance team allocation marketing consultancy and financing

1) The architecture and design components strongly depend on the FinTP

technology The main assumptions are

a) The architecture provides flexible scalability easy maintainability diagnose amp

customization reliability security trust through standards compliance and

extensive standards inclusion (ie use of IS20022 as native supported format)

These features depend mainly on the design on the development process and

on strong audits of the (partial and final) results The first release is in full

compliance with the before mentioned conditions

b) The main components of the first release of FinTP (core engine connectors

database transport mechanism and presentation layer) should be created by

Allevo All embedded third party software components should be open source

products backed by strong prestige communities and should not incur liabilities

(which are not in harmony with the FinTP community concept) to FinTP

community members

2) Tools

The team should use advanced tools for generating the business specification

design implementation testing (including compliance scanning) documenting

and managing the source code

These tools strongly depend on the available budget and widespread

organization culture It is not mandatory for these to be open source if usage of

open source tools would mean lower quality

3) Licensing

The licensing model highly depends on the results of the open source legal and

business consultancy However we assume the following frame

‐ free of charge initial and recurring maintenance license for using FinTP

‐ FinTP does not use software components enforcing liabilities for the user

‐ consumers using FinTP source code (in part or entirely) should comply to

the licensing policy of the community

‐ the version released by the development amp maintenance body is the only

official amp to be trusted version of the community ensuring product integrity

unity and stability

4) Regulatory compliance

The regulatory compliance strongly depends on the early adaptation of new amp

changed rules via the recurring maintenance and on the quality of the audits

performed by the specific bodies of the community

Thus it is ensured that ISO20022 and FIN standards TARGET2 and TARGET2

Securities SEPA or country specific regulations (as stated respectively by






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SWIFT standards EPC specification ECB or regional Central Banks

regulations that the community chooses to comply with) stay the most

important business specific anchors of FinTP

The FinTP design also offers support for flexible definition of new compliance

sources

5) Consultancy

The needed consultancy is twofold

‐ legal to ensure that FinTP does not infringe other licensing constraints

‐ open source specific to enable the right choice of the community type and of its governing law

The main constraint relies in choosing the right advisors true experts in the

open source industry amp with appropriate ethic profile - able to deliver as

promised The consultants have to be available 800 am divide 800 pm CET and

easily reachable - geo-location is of utmost importance Selection of the

consultant will basically be done on price assuming the right mix of expertise

and availability is achieved

6) Financing

While Allevo partially undertakes the financing of FinTP development the

ancillary consultancy necessary team education or acquisition of productivity

tools are far beyond the companys 2012 budget

To overcome possible delays in the project Allevo needs to sturdily act to

identify both the most appropriate commercial offer and additional necessary

financing source(s)

FinTP community

The community related items are members moderator legal tight regulation

marketing and financing For each of these items several assumptions and the

corresponding dependencies are provided in the following paragraphs

1) Members

We assume that the communitys members span several business profiles

(such as financial services institutions corporations market infrastructures

PSPs SSBs public administrations regulatory institutions and ISVs) sharing

the mutual focus on financial operations performance and improvement

By now after some tests on market acceptance there have been identified a

few supporters comprising financial services institutions and small ISVs

To ensure the success of building the community there is need for attracting

prestige influencers (market analysts consulting companies of scale - starting

with big four key industry providers - such as SWIFT other communities - ie

professional such as banking insurers capital market associations) and a

credible pool of financial institutions and corporations

To this end Allevo unrolls its own awareness campaign through direct

meetings publications blog posts and social media public presentations and

by officially launching the initiative in a conference focused on free of charge

financial transactions processing applications

Allevo further plans to use Sibos 2012 as opportunity to organize a less

traditional communication session gathering a relevant international panel to






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debate the strong and weak aspects of this initiative amp to get the public involved

as much as possible

The goal is that by the end of 2012 some tens of different institutions are

committed to co-found the community and to actively contribute to establishing

the legal frame and to forming the required action bodies

2) Moderator

Allevo perceives the Moderator as the critical member of the community since

his prestige and influence will warrant the outcome of all performed activities

The moderator must commit on long term to develop the community and to

sponsor it with its share of trust

Allevo strongly believes that the Moderator should have a global footprint be a

reputable and trustful institution

3) Legalcopyright

The legal consultant and advisor needs to provide the coherent legal frame to

cover all community activities by roles and accountability While making it easy

for the members it should be more demanding as far as contributors are

concerned (though still encouraging ISVs to actively participate) It has to draw

very precise responsibilities for the independent and institutionalized bodies

(for instance product maintenance amp development and audit) and for the

Moderators status

The quality of this legal work fully relies on the expertise and experience of the

advisor

The law governing the community has to be in harmony with the European

(either French or Anglo-Saxon) legal system and with the open source legal

regulations largely practiced in other business regions (US and APAC)

4) Tight regulation

FinTP the product meant to gather a community which uses and supports it is

all about moving values between different entities Thats critical irrespective of

the amount because failing to perform properly opens the doors to arguments

amp loss of reputation with the related tangible costs Moreover the product has

to be beyond any doubt during its entire lifecycle free of any malefic

embedded functions meaning that contamination has to be avoided by all

means

Allevo strongly believes that this requirement can be attained only by tight

regulation of the community specific approval of the initially launched version

of FinTP and of the recurring contributions

This approach can be felt strange compared to most open source communities

and can lead to little interest from IT talents making them feel banned or

restricted It remains the Moderator‟s duty to make them feel privileged if

accepted and rewarded as such However this censorship is a price to be paid

since the community and the project are about processing transactions

initiating value transfer






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5) Marketing

The community needs to have the clear objective of spreading both

geographically and over a consistent number of industries

To achieve this goal the community should be able to actively provide open

access to relevant information (including explanations of concepts hands-on

evaluation) to non-members and to also answer their questions on FinTP and

on the community itself

The same level of information needs to be ensured for the members to whom

supplementary updates on the community events decisions available

releases patches and fixes should be made available They need to also get

focused forum discussions on specific business areas and subsequent

processes need to be distributed

These functionalities have to be hosted on the community‟s dedicated portal

This portal has to provide content dialogue space information consolidation

and broadcasting It must be a virtual showroom for FinTP It needs to host

documents and virtual meetings subscription management and product

support amp development

The community has to be able to run its own meetings enabling direct contact

between active members or their representatives

Meaningful press releases have to be regularly issued along with actively

maintaining a productive relationship with market analysts to consolidate a

clear public understanding of the community spirit and goals

6) Financing

Its all about money-money-money since at least for the first 2-3 years the

community needs to be financed

Upon reaching maturity the institutionalized bodies of the community can earn their income from collateral activities - such as organizing conferences providing education and specialized support services - either for the initial FinTP installations and customizations or for recurring services requested by the members An alternative can be trialling and certifying interested providers enabling them to perform support services for FinTP

Thus who could pump money into this project It could be one or a mix of

‐ World Bank - if governmental programs are implied and provided a proper project which convincingly demonstrates the beneficed social impact

‐ EU development funding

‐ interested wealthy members of the community

The most critical dependencies are external such as (arranged according to

their impact) availability of funds for building the community finding trustful

and skilled open source consultants (legal business community licensing)

The synthetic view of the main assumptions and dependencies is provided in

the attached file

Assumptions Dependencies

1 Technology Only open source available Internal audit approval

a architecture a qPI inspired a

i scalability

ii resilience

iii security

i functional amp productivity

ii at transaction level

iii access amp authentication

i flexible design

ii by design

iii by design

b 3rd party components b Open source 3rd party b FinTP licensing model

i application server

ii transport mechanism

iii data base

i Apache AS

ii Apache MQ

iii Tbd

Includes 3rd parties licensing provisions

2

Special tools (for

documenting and auditing

the source code)

Tools availability Cost dependent

3 Licensing

a Initial and recurring licenses free of charge

b The product should not use software components that may lead to liabilities for the user

c The maintenance body is accountable only for its own product releases

d 3rd party usage of FinTP source code (partially or entirely) is subject to conformance to

licensing provisions

Licensing provisions resulting from legal and business open source specific

consultation

4 Regulatory compliance

a SWIFT standards

b ECB regulations

c EPC specifications

d Regional regulations

a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually

7 Consultancy Expert consultant availability Cost and time shift dependent

8 Financing World Bank EU funds Lobby amp funds availability

1 MembersBanks amp financial institutions corporations financial market infrastructures (ACH PSP Service

Bureaus etc) ISV regulatory institutionsMarketing plan feasibility campaign efficiency and costs

2 MentorPreferable SWIFT

Also eligible SunGard IBM affiliation to other OS communitySWIFT decision

3 Legalcopyright Expert legal consultant and RO apprentice Cost and time shift dependent

4 Tight regulation Clear membership admission amp software contribution criteria The quality of the consultant advice

5 Marketing Actively recruiting community members Marketing plan feasibility campaign efficiency amp customer skepticism

a community portala provide content amp debate space information consolidation amp dissemination virtual

showroom subscription management support

a business analysis solution availability and maintenance by one of the

members or employed company

b press releases amp

announcementsb PR and AR b communicators availability and costs

c events c periodical conferences user focused meetings c cost dependent

6 Financing World Bank EU amp private funds Lobby amp funds availability

Item

FinTP

FinTP community

Assumptions and dependencies
Assumptions and dependenciespdf






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53 Stakeholders

While for the FinTP application the only stakeholder is Allevo (during the pre-go-live

period) the community comprises several stakeholders each of them being presented

according to its value attitude interests and constraints

The community members can be classified into four categories customers suppliers

regulatory amp service providers

Due to its specifics (focus on financial transactions processing) this open source

community should be tightly regulated in terms of roles access rights control audit

ability and moderatorship

Most probably the first community customers come from a highly regulated industry

therefore trust in the credentials of the providers is mandatory - such as certified

application providers regulated processes and practice prestige moderator standard

compliance

The synthetic view of the stakeholders‟ analysis is provided in the attached PDF file

54 Operating environment

The operating environment practically describes the FinTP application requirements

from the point of view of high-level architecture security interfaces users data and

design qualitative attributes

Security is obviously mandatory in applications dealing with value-related messages in

terms of user access intrusion detection and data security

Due to its specifics both internal (data layer transport layer presentation layer) and

external (to ERP or to back-office applications SWIFT internet ACHs) interfaces are

considered

Other examined items are types and profiles of FinTP users as well as data particulars

such as formats archive procedures persistence and resilience

Finally several design qualitative attributes are needed interoperability scalability

flexibility performance quality of service ease of management availability of business

applications

The synthetic view of the operating environment is provided in the attached file

55 Risks

Overlooking political economic financial wars or riots and natural catastrophes Allevo analysis classified the risks in two major categories

- Allevo-specific risks covering areas of technical marketing legal and funding risks

- Market-related risks covering areas of cost and business legal risks

The detailed analysis is provided in Appendix - Risks

Stakeholder Major Value Attitudes Major Interests Constraints

End usereasy to use

intuitive

Banks and

financial institution

‐

business req‐

awareness vector

‐

cautious on risks‐

appetite for cost

cutting

‐

increase profit ‐

comply to regulations‐

decrease operation

risk amp CAPEX

‐

comply global amp

regional regulation ‐

comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological

complementarities‐

innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐

expand market reach‐

new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐

sensitive on risks‐

if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐

increase reputation ‐



new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties

copyright amp licensing

rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Stakeholders analysis
Stakeholders analysispdf

CrtNo Item Description

1 High level architecture FinTP positioning related to internal amp external systems amp users

2 Security

21 User access (mechanism identity check etc) authentication ID check user admin rules

22 Admin access (mechanism identity check etc) authentication ID check user admin rules

23 Intrusion prevention viruses malware etc

24 Data security level of encryption etc

3 Interface

31 Internal systems (back or front office) API generic interface - files db table MQ messages

FinTP server runs on Win 3264 AIX RedHat Linux

FinTP connector for Win 3264 AIX RedHat Linux AS400

User interface Tomcat

Database MySQL (also run on Oracle DB2 Informix SQL Server)

Transport Apache MQ (also run on WebSphere MQ)

Domain services Active directory LDAP

32 External systems (Swift internet ACH etc) API generic interface - files db table MQ messages

SWIFT (SAASAGSAE) MQSAMQHAFile

Back office applications file database HTTP WebSphere MQ

Internet banking application file

33 User related (screens mobile printers etc) Web browser compatibility device dependences

4 Users

41 Location localremote

42 Profile operationsbusinessadmin

43 Concurrent users rules for transaction allocation etc

5 Data

51 Formats internal format - ISO20022

52 Processing routing reports operation

53 Archiving amp storing procedure and practice recommendations

54 Persistent data and resilience mechanism requirements

6 Qualitative Attributes

601 Ability to customize

602 Availabilityreliability

603 Interoperability

604 Scalability

605 Design flexibility

606 Lifecycle

607 Performance

608 Quality of service and support

609 Level of difficultyease of management

610 Risk of fragmentation

611 Availability of business applications

Operation environment
Operation environmentpdf






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6 High-Level Architecture FinTP architecture is depicted in the following high-level diagram It illustrates FinTP

connectivity to other applications as well as the main layers of the application and

data flows Further on the logical and physical architecture characteristics are

described

Logical architecture

1 Presentation layer the user interface UI is web based It

a uses direct access to data for businessoperations reports

b translates users action into jobs for the business components (eg authorize

reject etc) and publishes them in the job queues

2 Business the main components are the Routing Engine and the Events Monitor It

a fetches jobs from the job queues and executes them in parallel

b automates financial messages tasks such as technological reconciliation

batching and de-batching

c synchronizes and publishes events related to performancecount of

transactions from all components






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3 Data Connectors

a Using a transactional transport layer the connectors fetchpublish data to the

partner applications (back-office ERP SWIFT treasury etc)

b Ensure for message batching de-batching

c Embed business data in an envelope that allows non-invasive tracking and

audit to be performed

d Send events related to performancecount of transactions

e The native internal data format is ISO20022

Physical architecture

1 Scenario 1 Single server installation (recommended for a low number of

transactions5 - ie several thousand a day)

a All components are installed on a single machine

b The connectors will access remote or local data

2 Scenario 2 Single server with distributed data (preferred installation type for a

medium number of transactions - ie several tens of thousands a day)

a All components except connectors are installed on a single machine

b The connectors are deployed as close to the business data source as possible

and will use a transactional transport layer to send data back and forth to the

server

3 Scenario 3 Multi server installation (optimized for scalability - ie several hundred

thousand a day)

a Routing Engine can be deployed to a dedicated server It will use the available

number of processors to run parallel jobs

b Events Monitor can be deployed to a dedicated server

c Data server can be deployed to a dedicated server or multiple servers

d Web application server and application can be deployed to a dedicated server

e The connectors are deployed as close to the business data source as possible


server

5 End to end transactions (including all acknowledgments confirmations and so on)






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7 Project approach This chapter lays the ground for sketching the planning and management of the entire

project meaning to cover both the development of the FinTP application and launching

the FinTP community

The project is split into individual phases each with its own tasks time limits costs

limits resources deliverables and time line Each phase should complete with an

assessment ending with the (further) go no go decision

1) The first major component of the FinTP project contains the following tasks

a) Test the waters - activity started in the fall of 2010 by Allevo to get a flavour of

the perception of the customers partners other ISVs regarding FinTP initiative

b) Draw formal VampS - this document

c) Business requirements amp specifications

d) Product execution plan which should detail each activity of the software product

lifecycle

(1) Project plan outlining the tasks (eg product execution planning) and

activities (eg QA design development version test amp validations etc) and

timeframes

(2) Resource planning

(3) Financial planning created to identify the total amount of money to be spent

on labour acquired equipment licenses education and cost of materials

required to undertake each phase in the project (in other words the

budget)

(4) Deliverables

(5) Time amp communication management (on a twelve quarters time-line)

recording and controlling the time spent on the project

e) Establish the detailed commercial strategy

2) Similarly for the community the most important tasks to achieve are

a) Scope definition and (gain) initial stakeholders support

b) Institutions statute release

c) Platform to provide the necessary infrastructure for the community related

activities

d) Planning of activities and further execution

e) Allocation of resources

f) Financing (hopefully available by beginning of 2013)

3) The general view of the project time-line spanning the next four years shows the

main checkpoints related to FinTP product and FINkers United community as

follows

a) 2012 engage current Allevo customers early adopters

b) 2013 FINkers United legal frame in place FinTP ready and confidence testing

with current Allevo customers early adopters






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c) 2014 FINkers United bodies institutionalized and roles assigned FinTP go live

for current Allevo customers attract new adopters

d) 2015 know how transfer patches and releases delivered through FINkers

United portal

The synthetic view of the project approach analysis is provided in the attached file

Crt No Task Date Cost [Eur] Resources Deliverables Comments q1 q2 q3 q4 q5 q6 q7 q8 q9 q10 q11 q12

1 Test the water Apr-Dec11 20000 Sibos Team we have concluded that it is interesting opportunity

11 Attend Innotribe

12 Attend OS conferences

13 Debate the idea Sibos Pay Conf SEPA Bus Forum SWIFT Forum SOFE Allevo UG

14 Talk 2 people consultants legal advisors SWIFT IBM SwG ISV Allevo brainstorming

2 Draw formal VampS 31-Mar-12 priceless GMHBDASG document genius work

3 Business Requirements amp Spec 30-Sep-12 priceless GMHBDASG document genius work

4 Product execution planning for 168000

41 QA 31-Dec-12 10000 NA QA plan QA manager

42 Devel rev amp project plan 31-Oct-12

43 Architecture 31-Oct-12

44 Design 31-Oct-12 10000 NA document Devdir

45 Development version 1 31-Dec-12 70000 NA source code Devdir

46 Test ampValidation 31-Dec-12 30000 NA report doc Test manager

47 SW maintenance start 1-Nov-12 10000 NA maint plan ongoing process

48 Version management 1-Nov-12 8000 NA CMS ongoing process

49 Documentation (techamp mktg) 1-Mar-13 20000 NA manuals ongoing process

410 Implementation and support 1-Jul-13 10000 NA plan ongoing process

5 Establish commercial strategy 48000

51 Marketing research 15-Aug-12 6000 NSDASGGM reports 1 mnth fine tuning

52 Licensing model 30-Sep-12 3000 DASGGM doc+licence 1 mnth fine tuning

53 Type of distribution 30-Sep-12 3000 DASGGM document 1 mnth fine tuning

54 Maintenance specifics 15-Aug-12 3000 same+HB+SB document 1 mnth fine tuning

55 SLA specifics 15-Aug-12 3000 same+HB+SB document 1 mnth fine tuning

56 Awareness campaign 30-Nov-12 20000 UG Sibos PR AR plan+action contd by community

57 Obtain Trademark 30-Jul-12 1000 RS amp team action 1 mnth fine tuning

58 Choose FinTP symbol 30-Sep-12 3000 ICM amp team action 1 mnth fine tuning

59 Sales plan 15-Aug-12 3000 NS plan 1 mnth fine tuning

510 Get early adopters 30-Mar-13 3000 NS action at lest 1 in 9mnth

6 Resource Planning

61 Roles allocation 15-Aug-12 ED HB CA doc+action

62 Establish external resources 30-Sep-12 CA document consultant legal etc

63 Internal platform allocation 15-Mar-12 CA doc+action servers sw tools

64 Establish acquisitions 30-Sep-12 CA doc+action SDK Code scan etc

65 Establish required budget 31-Oct-12 CA document

66 Financing - private or public 31-Dec-12 CA doc+action EU structural or WB

Fin

TP

Innotribe Belfast Mumbay

Crt No Task Date Cost [Eur] Resources Comments q1 q2 q3 q4 q5 q6 q7 q8 q9 q10 q11 q12

1 Scope

Draw community statute 30-Nov-12 sibos team document

Gain initial sponsors approval 30-Nov-12 sibos team formal

2 Institutions

Moderator 30-Sep-12 action known by end q3

Software Auditor amp Provider 30-Sep-12 action known by end q3

Legal service 30-Sep-12 action known by end q3

Marketing 30-Sep-12 action known by end q3

Members 30-Sep-12 action known by end q3

Allevo initial role action

3 Platform

Requirements and specification 15-Jul-12 Allevo document initial proposal

Acquisitions if necessary 15-Sep-12 Marketing inst doc+action hope to avoid

Platform implementation 15-Nov-12 Marketing inst action

Roll-over 1-Jan-13 Marketing inst action

Contd operation 1-Jan-13 Marketing inst action

Maintenance amp user support 1-Jan-13 Marketing inst action

4 Activities

Initial planning amp budgeting 15-Dec-12 document

Roles allocation 15-Dec-12 document

Community inst Implementation 15-Dec-12 action

Awareness campaign 1-Jan-13 action ongoing process

Members recruiting 1-Jan-13 action ongoing process

Continued operation 1-Jan-13 action ongoing process

Service sales 1-Jan-13 action ongoing process

Future development planning 1-Jan-13 document ongoing process

5 Resource allocation

If existing institution - allocation 15-Dec-12 action

If newly formed - recruiting 15-Dec-12 action

Make FinTP available to comm 1-Jan-13 action ongoing process

Start community financing 1-Jan-13 action ongoing process

6 Financing

Initial investment 1-Jan-13 action secured by that date

First period of comm operation 31-Aug-13 action secured by that date

co

mm

un

ity

Project approach
Project approachpdf






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8 Scope This chapter deals with the phased availability of various FinTP features again considered from application and community points of view

In the first phase (due Dec 2012) the core of FinTP application is ready including the following technical features

- financial message routing between services and monitoring of exchanges

- multi-threading capabilities

- persistent end-to-end transactions

- batching de-batching

- archiving

- tracing and logging of transactions and user events

- transient errors detection and recovery

- real time search and reports

- security access and user administration

Similarly during the first phase the main community components need to be in place

- moderator

- software development and maintenance body (Allevo also available in the first and second phase of the project)

- test amp validation body

- (software) auditor

- legal

- main contributors (Allevo falls into this position)

- platform

- marketing

In the second phase (Dec2012 - Dec2013) several operational features of FinTP will be added

- predefined flows (including reconciliation of confirmations with transactions) and message formats for credit transfer direct debit debit instruments securities settlement reconciliations

- MTMX coexistence

- multi-BIC multi-currency

- SEPA ready certification

- TARGET2 ready

- SAGSAASAE interfaces

- duplicate detection

- liquidity reports

- competitive reports (based on standard deviation of the correspondent bank or customer behaviour)

- accounting reconciliation

- AML (sanctions list matching)

- SaaS and cloud ready

along with resilience and start of maintenance and knowledge transfer (the last two obviously continuing in the next phases)






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The synthetic view of the project scope is provided in the following table

Crt No

Feature Activity Phase1 31Dec12

Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP

A Operational features

1

Predefined flows (including reconciliation of confirmations with transactions) and message formats for credit transfer direct debit debit Instruments bonds (Romanian Euroclear) reconciliations

2 MTMX coexistence

3 Multi-BIC multi-currency

4 SaaS ready cloud ready

5 SEPA ready certification

6 TARGET2 ready

7 SAGSAASAE interfaces

8 Liquidity reports

9 Competitive reports (based on standard deviation of the correspondent bank or customer behaviour)

10 Accounting reconciliation

11 AML (sanctions list matching)

12 Duplicate detection

B Technical features

1 Routing financial message between services and monitoring of data flows

2 Multi-threading capabilities

3 Persistent end-to-end transactions

4 Batching de-batching

5 Resilience (at transaction level)

6 Archiving

7 Tracing and logging of transactions and user events

8 Transient errors detection and recovery

9 Real time search and reports

10 Security access and user administration

C Other activities

1 FinTP maintenance

2 Knowledge transfer

Co

mm

un

ity

Establishing the institutionscomponents

1 Mentor

2 Software Auditor amp Provider

3 Legal service

4 Members

5 Allevo initial role

6 Platform

7 Marketing






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9 Limitations The main limitations in the economy of the project consist of phasing several FinTP

operational features for the following year (eg debit instruments liquidity reporting

AML filtering accounting reconciliation resilience SaaS ready cloud ready etc)

At the same time for features intended to front-office usage like Remit it was not yet

decided to publish them as open source product

The synthetic view of the main limitations is provided in the following table

Crt

nrItem Limitation Exclusion Comments

1

FinTP

a

Operational features Available in 2013

b

Remit Not included in

open source

package

2

Community

a

Rules Tightly controlled The statute should

ensure the right

balance between

safety and free

association of talents

Given the significant budget allocation (at least from Allevo perspective) the strong

requirement to meet the maximum ceiling will limit the FinTP product initial preparation

and maintenance expenses

Community wise the obligation of a tight regulated statute will have to ensure the right

balance between safety (mandatory in an environment dealing with financial

transactions) and a free association of talents (typical in an open source community)

In the first period after launch (at least the first two years) of the initiative the

maintenance and support activities will be provided by Allevo (as initial contributor)

A major restriction would be to meet the budgeted development and maintenance






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10 Appendix - Risks

Specific risks

1 Product

a Long delivery lead time This is a medium probability and impact risk however Allevo should make available the needed resources and motivate the entire team for the job

b Credibility loss if FinTP fails to further become certified on meaningful operations andor business tracks (ie SWIFT business certification tracks or similar) The single possible containment is lobbying if the application certification program rejects open source products Anyway the impact is very important and its materialization should be avoided

c Low quality of the allocated team and improper version management are highly unlikely to occur as long as the formal transfer of responsibility is smoothly made from Allevo to the corresponding body put in place by the community The real hidden risk is that this process could take too long and it thus has a very high impact

d Poor FinTP quality may result if the community fails to institutionalize proper quality assurance (QA) and verification amp validation (VampV) processes This is most expected not to happen but if it does the impact is at least medium The single path to overcome this risk consists in a professional approach to these items based on institutionalizing practice proven QA and VampV processes

e Allevo lack of expertise in the open source business This can be contained by carefully selecting trustful amp truly expert consultants Otherwise it means more money longer time spent on project and expenses without proper return

2 Service

a The software maintenance does not properly deliver as expected ie on-time and on-quality bug fixing regulation amp standards alignment and productivity amp technological improvement The key to contain this risk materialization is the community status having provisions to neatly provide maintenance and further development of the rules for FinTP as well as the applicable rules and fees for the ancillary services

b Low quality and safety of the service received by the members of the community To avoid the risk of performing the one-time amp recurring support services by under-prepared professionals the community has to rule the process of training and qualifying the companies willing to contribute in this area

c Not meeting the minimal SLA criteria The community should regulate and periodically revise the training curricula and to further audit both the teachers and the certified experts to ensure the service level agreements are met

d Under motivated service providing professionals - up to the level of not feeling the high impact of their activity The community status must provide guidance to the contributors on the minimal standards the professionals should meet






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e Constrained expert resource pool This risk could be overcome by the communitys policy to ensure at all time a balanced number of motivated experts to the communitys size Failing to do so may result in high negative impact of the community business and public perception

3 Community

a Emergence of a parallel competitive community If the optimal timing between publically disclosing FinTP and community take-off is not achieved then there are high chances that following a competitive initiative other entrepreneurs successfully launch their own similar or derived community This could be avoided by periodical reviews of the progress of both FinTP and community status and deciding whether the project needs to be put on hold or not

b Unfit reputation of the Moderator or main contributors If either the Moderator or the initial contributors are not beyond any dispute and are reputable institutes then there is certainly something rotten in Denmark and the project should be put on-hold

c No commitment from the Moderator‟s side Similarly if the Moderator does not commit to the project it means that Denmark has a serious problem to solve The project should relinquish until the matter is fixed

4 Legal

a Misuse of copyright and intellectual property (IP)The assigned working team could not be aware of the limitations and liabilities of using (entirely or partially) third party software this risk can be contained by delivering the right training providing proper working procedures carefully recording and documenting the use of open source code and carefully cross-scanning

b Injunctive relief and financial damages can be caused by not properly and continuously controlling the use of third party open source code resulting in copyright or IP infringement There are two containment measures which can be taken tighten the compliance check during the product lifecycle or apply the sanction policy as to set an example

c The competition starts a class action - this may result in delaying the project

5 Financing

a Lack of long term financing institutions Allevo should urge its consultant to identify and draw a reasonable list of financial options institutions

b Exceeding the budget given that this type of project has no precedent in Allevo and to avoid exposing to the dependency on engagement to financial institutions or to commitments beyond the existing budget a further carefully drawn project plan is needed along with its explicit approval from the board of the company

Market related risks

1 False expectations

a Expensive services Not everything is free aside the initial and maintenance free licensing the training the support and other professional services can amount to more than in general expected Allevo rates this risk as medium possible but with low impact as long as the law governing the community and its initial period of operation will consecrate fair market prices and competitive sources of contribution






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b Hidden costs for patches updates and upgrades While of similarly weight in terms of probability and impact this should be no real concern as long as the law governing the community clearly provides for free and accountable maintenance

2 Poor image on quality

a Too many releases making FinTP hard to manage and unsafe to operate Given proper regulation of the community and the mature root of FinTP Allevo disregards the possibility of this risk to materialize However if this were to happen this is a high impact risk and by all means should be avoided

b Backward technological (in)compatibility looks to us as a low risk in all respects and within organizations applying practice proven software engineering processes and professional - accountable team this is not likely to materialize

c Support can be perceived as the highest impact risk for FinTP This can be overcome by tight regulation of the commercial and professional conditions to deliver the service (for instance only qualified organizations should be recommended to members for supporting FinTP)

d SLA and accountability for both internally or externally performed services is closely correlated to the previous risk and the community status should provide the support for growing a community of competencies and accountable professionals around FinTP Periodical auditing (by the specialized community body) of this pool of professionals will further ensure the confidence that the skills are preserved at the required level

e Code fragmentation and forking is a high impact risk with a low probability of happening in the initial period provided the knowledge transfer is done orderly and in an institutionalized manner

3 Inherent uncertainty

a Community disputes can jeopardize its cohesion the project viability and future This is a high impact possibly high probability risk and it is the definite role of the Moderator to feel prevent and while materializing mitigate any conflicting situation

b FinTP going commercial post-launch This is a huge impact possibly high occurrence probability but manageable with the right legal instruments provisioned in the community

c Loss of alignment to industry standards and regulations This risk has medium probability and medium impact given the assumption that the community is tightly regulated and the working bodies institutionalized and gathering professionals

4 Legal

Copyright infringement given Allevo experience in the open source business this risk is highly probable and has a high impact on FinTP especially if mistakes are made in the launching phase Similarly if during the product maintenance and further development phase the community fails to institutionalize proper formal software development processes (covering all FinTP lifecycle phases) based on industry practice proven model(s) Supplementary the expert code scanning audit for compliance is the single resort to preclude external software source misuse






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5 GPL specific

a Noncompliance to the GPL license If GPL license is used the product should further distribute in compliance with this part provisions High impact and probability but manageable if proper software development processes are used and if the statute clearly defines the licensing model for FinTP

b FinTP unconformity The risk that software engineers get inspired by a chic solution which they import and emulate similarly in FinTP And this is also highly possible since les grands esprits se rencontre

6 Existing customers attitude

Anger for having paid for something which now is free The existent customers can be concerned about the future of their installed system its further development (in one word its future) and on the quality of the service (SLA including) Some recent adopters can possibly be furious for spending their money on buying licenses for a piece of software that differently packaged becomes free of charge

For the first situation the single best solution for Allevo is to ensure a smooth transition from the current status to the new solution deployed Also highly probable Allevo should provide for simultaneous (for at most one more year) maintenance of both FinTP and for qPayIntegrator

For the 2012 new qPayIntegrator adopters Allevo should transparently state the product‟s future and propose a commercially attractive migration towards FinTP when it becomes publically available (like the option for the installation migration and recurring services) The decision should clearly stay with the customer if he still buys Allevo licenses delays the implementation until FinTP is available or if he goes for a competitive solution

In other words the key to mitigate the existing customer perception is switching places and discarding if the situation proves to be uncomfortable

Bottom-line is that to avoid most of the risks the FinTP community must be a rather tightly controlled one though still opened to anyone willingly abiding to the rules

The synthetic view of the main risks their assigned probability impact and the corresponding containment approach is provided in the attached file

Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)

Containment (Mitigation Action Proposed)

M1Free as in a

Free Puppy

M101

The training service amp support cost could account more than the

commercial product its replacing (application software is typically 30 of

the total cost of ownership of most projects)

Medium Low

M102 Hidden costs ie charge for patches updates and upgrades Medium Low

M2Frequent

updates

M201

Projects might be updated frequently - as often as everyday Too frequent

updates could have a negative impact on the implementation

interoperability and support

Low HighMAP02 The community should be tightly controlled and audited (closed

community in regard to software contributions)

M3Backwards

compatibility

M301 Less accountability Low LowMAP03 Access to prior versions of source code (additional in-house

development and support procedures might be necessary)

M4Support

related risks

M401Support could be perceived as the biggest issue with open source

software deploymentsHigh High

M402 Internal External Accountability SLAs High High

M403Code fragmentation or forking if the community fails to institutionalize

corporate like formal structureHigh High

M404Support could require greater involvement and different skills set from

operations staffMedium Medium

M5Community

immaturity Low Low

M501Could generate incompatibility of FinTP with industry standards amp

regulationsMedium Medium

MAP02 The community should be tightly controlled and audited (closed


M6 Uncertainty The inherent uncertainty in every open source project

M601 Community disputes might impact project viability and future High HighMAP04 The Mentor should prevent amp mitigate any conflicts inside the

community

M602 Open source projects may not stay open in future releases High HighMAP05 The originator liabilities should be strongly enforced by the

community statute

M7 Legal risks

M701 Copyright infringement High High

M702 Can open source software deployments pass an audit

M8 GPL General Public License specific development concerns

M801Software thatrsquos derived from an existing GPL project in whole or in part

might not be released under the same licenseHigh High M08 The community should regulate the licensing model

M802

Developer contamination - developer could review an existing open source

project could see an elegant solution then implement a similar function in

closed source project

High HighMAP09 Procedurals constrains for the software developers should be

enforced

M9

Current

customers

attitude

The actual customer perception could be negative High High

M12 To prevent a negative attitude Allevo should involve the customers

in the FinTP project Allevo needs their active support for a smooth and

issues less transition

ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks

MAP01 The community should regulate the applicable rules and fees for

services and maintenance



bu

sin

es

s a

nd

le

ga

l ri

sk

s

MAP06 The community should institutionalize a formal software

development process based on the industry practices (ie design

programming test amp validation version management etc)

S1Product

related

S101 Late delivery lead time Medium MediumMAP15 Allevo should provide proper resources (funding and human

resources)

S102 Credibility loss if fail to certify with SWIFT Medium High MAP16 Should be discussedamp agreed with SWIFT

S103 Inexperienced team or allocation below needs Low HighMAP15 Allevo should provide proper resources (funding and human

resources)

S104 Improper or non efficient version management Low High MAP16 Review the current Allevo Configuration Management System

S105Poor quality if the community fails to institutionalize proper verification and

validation practices3

M06 The community should institutionalize a formal software



S106 Lack of expertise in open source projects 2 Allevo should engage thoroughly selected Open Source consultants

S2Service

related

S201

The software maintenance not properly providing for bugs fixing

regulationamp standard alignment technological improvements communities

improvement requests

High HighMAP01 The community should regulate the applicable rules and fees for


S202 One-time amp recurring services might be provided by unqualified resources High HighMAP17 The community should regulate the training curricula and related

expertise certification

S203 Provided services might not meet the minimal SLA performance criteria High HighMAP17 The community should regulate the training curricula and related


S204 Relaxed or lack of accountability of the professionals High HighMAP18 The community should regulate the employment agreement of

the professionals

S205 Lack of qualified professionals High HighMAP19 The community should ensure a balanced number of certified

professionals with the community size

S3Community

related

S301

If after disclosing FinTP the community does not enthusiastically adopt

the solution competitors might more successfully develop a similar

strategy

Medium MediumMAP20 FinTP promotion should be convincing and realistic A well

organized marketing campaign by Allevo

S302The community mentor andor early adhering members have no

undeniable prestige or are not largely trustfulMedium Medium MAP99 Project status review Ending the project could be one option

S303 The Mentor does not strongly commit for the project Medium Medium MAP99 Project status review Ending the project could be one option

S4 Legal

S401Exposure to copyright and IP infringement due to working team unaware of

the legal consequences of using third party softwareMedium Medium

MAP21 Allevo should keep records and fully document the use of open

source code

S402Copyright or intellectual property infringement can lead to injunctive relief

and monetary damagesHigh High

MAP23 Allevo should institutionalize a tight licensing and technical

control

S403 All risks related to open source compliance High HighMAP24 Allevo should appoint as soon as possible a FinTP compliance

Officer

S5 Financial

S501 Lack of financing institutions Medium MediumMAP25 Allevo should urge consultant to provide a consistent list of

potential investors

S502 Dependency on the financing institution approval Medium Medium

S503Not thoroughly planned project overlooking one or some project cost that

need to be financedMedium Medium

Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g

MAP26 Allevo should carefully draw a consistent and eligible project for

financing

Risks
Riskspdf






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11 Appendix - Bibliography 1 Accenture Open Source Research Geographic Findings

2 Accenture Open Source Research Industry Findings

3 Producing Open Source Software - How to Run a Successful Free Software

Project by Karl Fogel

4 Open Source Software Risks and Rewards by Gary Hein

5 A Business Case Study of Open Source Software by Carolyn A Kenwood

6 6 critical success factors for product development by Christian Wig

7 Bank 20 by Brett King

8 Managing the business risks of open innovation by Oliver Alexy and Markus

Reitzig

httpwwwgooglerourlsa=tamprct=jampq=managing20the20business20risks20of

20open20innovation20by20oliver20alexy20and20markus20reitzigampsou

rce=webampcd=3ampved=0CDQQFjACampurl=http3A2F2Fs3amazonawscom2Fredi

namiza2Fdocumentos2Fmanaging-the-business-risks-of-open-

innovation2FManaging_the_businesspdfampei=ZfVmT6GyCYnysgbV4PnUBQampusg=A

FQjCNG86Q8mf2FF_8l_UEr4cSRyEH0FCAampcad=rja

9 Product idea evaluation checklist shared by Startgass AS

10 SWIFT 2015 Strategy

11 Customers and business impact of product changes






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12 Appendix - Glossary ACH Automated Clearing House that is used to clear retail payments

between banks in a country or region

APAC Asia and Pacific

AML Anti-Money Laundering

BCampDR Business continuity amp disaster recovery

B2B Business to business

C2B Consumer to business

CET Central European Time

CMMI Capability Maturity Model Integration

CMS Configuration Management System

Coexistence The situation of multiple standards existing at the same time in the same business space Within SWIFT this refers to the coexistence between the MT and MX standards This also refers to the set of measures being taken to make the situation easier to handle by the community (publication of mapping rules translation serviceshellip)

CSM Clearing and Settlement Mechanism

CUG Closed User Group

Dictionary Part of the ISO 20022 Repository that contains all items that can be re-used during business modelling and message definition activities

EAI Enterprise Application Integration - middleware to connect applications and communication interfaces Typical EAI software includes features for mapping data between various formats enriching messages with data from other systems and orchestrating message flows

ECB European Central Bank

EMEA Europe Middle-East Africa

EPC European Payment Council

ERP Enterprise Resource Planning

EU European Union

EUCLID Connectivity to EuroClear Bank services

FIN The messaging service offered by SWIFT for the secure and reliable exchange of MT messages in store-and-forward mode By extension the syntax used to format these MTs

IP intellectual property

Interoperability Capability to easily exchange business information while using different message standards ISO 20022 promotes global use of syntax-neutral business and message components as a common denominator to achieve interoperability between standards using different syntaxes

ISO The International Organization for Standardization - an international standard-setting body composed of representatives from more than 160 national standards organizations that promulgates worldwide standards in a variety of domains aiming at facilitating cross-border exchanges of goods services and techniques






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ISO 15022 An ISO standard that describes the syntax to be used for developing securities messages used mainly to support back office related transaction flows It replaced the previous securities messaging standard ISO 7775

ISO 20022 RA Registration Authority - offers the services described in an ISO standard on behalf of and under a contractual agreement with the International Organization for Standardization

ISO 20022 Repository

Repository maintained by the ISO20022 RA which contains the financial business models message definitions and components defined in compliance with the ISO 20022 standard

ISO 20022 RMG Registration Management Group - in charge of the overall management of the ISO 20022 development and registration process in accordance with the ISO 20022 standard

ISO 20022 SEG Standards Evaluation Groups -in charge of validating candidate ISO 20022 messages within the scope of the business justification and ensuring that they address the needs of their future international community of users

ISV Independent Software Vendor

KYC Know Your Customer

MACUG Member Administered Closed User Group

Message A set of structured information exchanged between two parties involved in a financial transaction

Message component and element

A re-usable data structure used for assembling message definitions The data defined in a message component is bdquotraced‟ back to the business components and business elements In simple terms business components define the business meaning message components create data structures for messaging

MI Market Infrastructure - a system that provides services to the financial industry for trading clearing and settlement matching of financial transactions and depository functions

Middleware Software that enables data to be exchanged among different systems with standard communication components and tools for formatting mapping and processing

MT The traditional bdquotag value‟ Message Types for use on the FIN service offered by SWIFT

MX An XML message exchanged over SWIFTNet whether or not ISO 20022 compliant

OS Open source

PSP Payment service provider

QA Quality assurance

RMA Relationship Management Access

RTGS Real Time Gross Settlement System

SAA SWIFT Alliance Access

SAE SWIFT Alliance Entry

SAG SWIFT Alliance Gateway

SaaS Software as a Service

SCORE Standardized CORporate Environment






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Semantics The study of meaning usually in language The word is often used in ordinary language to denote a problem of understanding that comes down to word selection or connotation

SEPA Single Euro Payment Area

SLA Service level agreement

SME Small and Medium-sized Business(es)

SOA Service Oriented Architecture

SSB SWIFT Service Bureau

STP Straight Through Processing

SWIFT Society for Worldwide Interbank Financial Telecommunication Visit wwwswiftcom

Syntax Physical format of a message used to identify and represent the conveyed pieces of information

T2S TARGET2 Securities - an initiative of the Eurosystem It is an IT platform that aims to make settlements across national borders simpler and more cost-efficient

TARGET2 The Eurosystem-owned European Real Time Gross Settlement (RTGS) system (Trans-European Automated Real-time Gross Settlement Express Transfer System) TARGET2 is one of the largest high-value payment systems in the world

Taxonomy The classification in a hierarchical system typically organized by super type - sub type relationships also called generalization-specialization relationships or less formally parent-child relationships

TSU Trade Service Utility

TCO Total cost of ownership

Translation rules

Set of rules to be used to map the pieces of information included in a message expressed in one syntax to the equivalent message expressed in another syntax

Remit Remittances

XML eXtensible Mark-up Language - popular syntax to encode documents (or messages) electronically on the Internet XML allows communities to define their own identifiers (or tags) and format (or data type) for each component of a message




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






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Table of contents 1 Control section ____________________________________________________ 3

2 Introduction _______________________________________________________ 4

21 About this document 4

22 Executive summary 4

3 Background and Business Opportunity _________________________________ 6

4 Vision of the solution _______________________________________________ 7

41 Vision 7

42 FinTP Positioning 9

43 FinTP Applicability 10

44 Key Business Objectives and Success Criteria 18

45 Market Sizing 19

46 The FINkers United community 20

5 Solution Description amp Parameters ____________________________________ 21

51 Features 21

52 Assumptions and Dependencies 24

53 Stakeholders 28

54 Operating environment 28

55 Risks 28

6 High-Level Architecture ____________________________________________ 29

7 Project approach _________________________________________________ 31

8 Scope __________________________________________________________ 33

9 Limitations ______________________________________________________ 35

10 Appendix - Risks __________________________________________________ 36

11 Appendix - Bibliography ____________________________________________ 40

12 Appendix - Glossary _______________________________________________ 41






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20 25 25 26 26 26







Corina M

Distribution list


SWIFT 1 25


AV MLD IBM 2






25


2










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Why




shared product

No man is an island










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When




How


community

What is in it for


developments











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existing patchwork












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support services





Why
































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No man is an island
















When















How







What is in it for



portfolio









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chain footprint
















differentiator




2 See Bibliography






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a Banks



















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c CSMs










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d Corporations












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infrastructures


market









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moderator


































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45 Market Sizing




20000 tier4









million





applications






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figure)



conduct



3 The contributors










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51 Features





Component code


















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Component code






















o Archiving





o SaaS cloud ready






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Component code


















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FinTP
















community members

2) Tools







3) Licensing









unity and stability












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sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























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as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















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5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







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53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











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described

















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3 Data Connectors


















server


thousand a day)








server







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the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









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United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






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- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











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Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






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Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















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10 Appendix - Risks

Specific risks

1 Product






2 Service










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3 Community




4 Legal




5 Financing











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4 Legal







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5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






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Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






20 25 25 26 26 26







Corina M

Distribution list


SWIFT 1 25


AV MLD IBM 2






25


2










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



























Why




shared product

No man is an island










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


When




How


community

What is in it for


developments











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro

























existing patchwork












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









support services





Why
































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


No man is an island
















When















How







What is in it for



portfolio









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro







chain footprint
















differentiator




2 See Bibliography






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


a Banks



















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



























Why




shared product

No man is an island










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


When




How


community

What is in it for


developments











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro

























existing patchwork












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









support services





Why
































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


No man is an island
















When















How







What is in it for



portfolio









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro







chain footprint
















differentiator




2 See Bibliography






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


a Banks



















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


When




How


community

What is in it for


developments











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro

























existing patchwork












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









support services





Why
































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


No man is an island
















When















How







What is in it for



portfolio









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro







chain footprint
















differentiator




2 See Bibliography






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


a Banks



















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro

























existing patchwork












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









support services





Why
































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


No man is an island
















When















How







What is in it for



portfolio









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro







chain footprint
















differentiator




2 See Bibliography






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


a Banks



















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









support services





Why
































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


No man is an island
















When















How







What is in it for



portfolio









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro







chain footprint
















differentiator




2 See Bibliography






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


a Banks



















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


No man is an island
















When















How







What is in it for



portfolio









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro







chain footprint
















differentiator




2 See Bibliography






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


a Banks



















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro







chain footprint
















differentiator




2 See Bibliography






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


a Banks



















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


a Banks



















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


a Banks



















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


a Banks



















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


c CSMs










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


d Corporations












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro












infrastructures


market









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro














moderator


































Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








45 Market Sizing




20000 tier4









million





applications






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




figure)



conduct



3 The contributors










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



















51 Features





Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code






















o Archiving





o SaaS cloud ready






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


Component code


















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






FinTP
















community members

2) Tools







3) Licensing









unity and stability












Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro






sources

5) Consultancy










6) Financing






financing source(s)

FinTP community




1) Members























Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



as much as possible




2) Moderator







3) Legalcopyright







Moderators status


advisor




4) Tight regulation







means















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5) Marketing






















6) Financing












the attached file




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


53 Stakeholders












compliance










considered





applications


55 Risks






End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community


End usereasy to use

intuitive

Banks and


‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Corporations

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

Financial market

infrastructures

(ACH PSP

Service Bureaus

etc)

‐

business req‐

awareness vector

‐


appetite for cost

cutting

‐

increase profit ‐


decrease operation

risk amp CAPEX

‐

comply global amp


comply industry

standards‐

group policy‐

security req

ISV

‐

technological


innovation pool

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio

Regulatory

institutions

‐

business req‐

awareness vector

‐


if customers

appetite for cost

cutting

‐

financial market

o stability

o risk containment

o supervision

‐

comply global amp


comply industry

standards‐

security req

Mentor

‐

business req‐

awareness vector

‐

sensitive to

competition‐

appetite to upscale

the market

(geography and

industry)‐

for SWIFT -

deepens the

standardization

reach

‐




new sales

opportunities

‐

comply global amp


enforce industry

standards‐

security req

Legal consultant

‐

legal coverage‐

monitor

compliance w own

and 3rd parties


rules

‐

appetite for

reputation‐

new source of

revenue

‐

increase profit ‐

increase reputation

‐

knowledge of global

and specific legal

provisions

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community

Allevo

‐

provide initial

o trunk of FinTP

o maintenance

and support for

FinTP

o knowledge

transfer‐

creates new FinTP

business features

‐

appetite for

reputation‐

new source of

revenue (new

products and

customer support)

‐

increase profit ‐


new sales

opportunities

‐

should comply OS

philosophy ‐

should have

complementary

portfolio




2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community



2 Security





3 Interface













4 Users




5 Data









604 Scalability


606 Lifecycle

607 Performance











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





described

















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


3 Data Connectors


















server


thousand a day)








server







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro




the FinTP community










lifecycle



timeframes





budget)

(4) Deliverables








activities






follows









Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





United portal




11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community



11 Attend Innotribe




























6 Resource Planning







Fin

TP



1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community


1 Scope



2 Institutions







3 Platform







4 Activities














6 Financing



co

mm

un

ity

Project approach
Project approachpdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








- archiving






- moderator




- legal


- platform

- marketing



- MTMX coexistence



- TARGET2 ready



- liquidity reports











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



Crt No


Phase2 31Dec13

Phase3 31Dec14

Phase4 31Dec15

Fin

TP


1


2 MTMX coexistence




6 TARGET2 ready


8 Liquidity reports











6 Archiving





C Other activities

1 FinTP maintenance


Co

mm

un

ity


1 Mentor


3 Legal service

4 Members


6 Platform

7 Marketing






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro








Crt


1

FinTP

a


b


open source

package

2

Community

a


ensure the right

balance between

safety and free
















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


10 Appendix - Risks

Specific risks

1 Product






2 Service










Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro



3 Community




4 Legal




5 Financing











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro













4 Legal







Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


5 GPL specific










Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community

Risk IDRisk

CategoryRisk

Probability

(High

Medium

Low)

Severity

(High

Medium

Low)


M1Free as in a

Free Puppy

M101




Medium Low


M2Frequent

updates

M201






M3Backwards

compatibility



M4Support

related risks








M5Community

immaturity Low Low







community


community statute

M7 Legal risks






M802





enforced

M9

Current

customers

attitude





ma

rke

t re

late

d r

isk

s

co

st

rela

ted

ris

ks





bu

sin

es

s a

nd

le

ga

l ri

sk

s




S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community

S1Product

related


resources)



resources)








S2Service

related

S201











the professionals



S3Community

related

S301



strategy






S4 Legal




source code




control


Officer

S5 Financial


potential investors




Sp

ec

ific

ris

ks

tec

hn

ica

lm

ark

eti

ng

leg

al

fun

din

g


financing

Risks
Riskspdf






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro











Reitzig















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro





















EU European Union











Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro


















OS Open source















Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community






Tel fax +40212554577 +40212554578 +40212554579

wwwallevoro
















Translation rules


Remit Remittances





i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community




i scalability

ii resilience

iii security




i flexible design

ii by design

iii by design




iii data base

i Apache AS

ii Apache MQ

iii Tbd


2

Special tools (for


the source code)


3 Licensing







consultation


a SWIFT standards

b ECB regulations



a ISO20022 FIN

b T2 T2S

c SEPA

d eg BNR TFD

a annually

b annually

c annually

d annually


















Item

FinTP

FinTP community

Documents

Project: 'Open Source Application for Financial ... · FinTP - Vision and Scope ... 2.1 About this document The paper contains the vision, scope and limits of the 'Open Source Application