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With the world moving fast to new heights on the cloud, powered by mobile users and agile demands in a changing world, a solid framework for financial apps is becoming a must. From mobile banking, to regulatory reporting, to risk management or automated bank outlets, the banking landscape is changing. Creating the right patterns to take advantage of the current technologies should be at the heart of these new systems. Firms that keep a traditional approach for developing and delivering applications will find their business severely affected. This session will cover tangible cases of modern applications in the financial sector, as well as patterns of solutions, tools and approaches to solve them.
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N I C O L A S J A B B O U R
G R O U P C E O , C A P I T A L B A N K I N G S O L U T I O N S
Can Banking Reach the Cloud
I B M I M P A C T 2 0 1 3 C O N F E R E N C E
T U E S D A Y , A P R I L 3 0 T H 2 0 1 3
S E S S I O N I D : B P B - 3 3 0 8
CBS – IMPACT 2013 2
20 year old leading Banking Software vendor
200+ Banks and Financial institutions running their business on our solutions
Bankers and Technologists at the service of our customers, scattered across four continents
Catering to small and medium banks ($1B - $30B in assets) – retail, corporate, private and wealth management…
Offices in New York, Miami, Paris, Monaco, Geneva, Dubai and Beirut, with customers present in 4 continents
On Premise and In the Cloud Solutions
IBM partner – IBM software bundled into our platform; IBM software reseller and industry partner
Capital Banking Solutions
CBS – IMPACT 2013 3
Core Banking Solutions: Retail, corporate, private, financial institutions, Islamic…
CRM: Sales cycle management, customer 360, Marketing campaigns…
Multi-Channel: Internet, Mobile, Kiosk, ATM and phone Banking
Compliance: Regulatory reporting, audits…
Risk: KYC, AML
Business Intelligence: Full suite of quantitative and qualitative reporting and analysis capabilities
Private Banking: Wealth management, portfolio simulation, family office
Exchange: Unified Banking Gateway with build in protocols, flow process management, audits, blacklist…
Offering
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Our Vision
Deliver to our customers innovative banking solutions that allow them to adapt to a new and changing world by marrying our deep understanding of the banking business, our track record delivering successful solutions and our mastery of modern technologies
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Banking Landscape: Streams of Change
Geo-Political Connected world – emerging markets Risk and compliance Traceability, risk management and compliance Taxation AML
Generational Facebook generation Mobile generation
Technological Instantaneous alerts management
Mobile payment De-materialized cash
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CBS Addressing Upcoming Challenges
Create: Think Out of the Box
Package: Think Consumability
Deliver: Think Cloud
Reach: Think Mobility
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CBS Technology
Strategic decisions Partnership with IBM
Financial industry models (IFW) Bundling IBM WebSphere (ESB, BPM, ODM)
Strategic partnership with DreamFace, an innovative Cloud based User Experience Development Environment
Approach Fully adapt the offer to comply with the
decisions above: ESB, BPM and rules at the heart of every
offer allowing us to truly implement a “daisy” pattern
“Breaking” our existing solutions into reusable services and processes
Adapt our architecture and delivery model to the Cloud with the notions of “tenants,” “templates” and other
CBS – IMPACT 2013 8
CBS Technology – Where We Started
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CBS Technology – Where We Are Now
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CBS Technology
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Cloud Offering Business Values
No upfront investment, Pay-as-you-go
Fast deployment model No hassle maintenance on their part Business Continuity and Disaster Recovery
capabilities Completely secured. In many cases, the
security level is much higher than what the customer can provide on their own infrastructure!
Operational values Always up to date versions with scheduled
patches and releases Unmatched speed to match the customer
business development requirements (new agency, higher usage load, opening in a new country…)
Fully automated back up and recovery procedures and capabilities
CBS – IMPACT 2013 12
C
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Model
New Tenant
C
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1
Create new environment
2
Customization
3
Enhancements and added
value
4
Patches and maintenance
C
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C
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New
modules
Cloud Offering
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Thinking Out of the Box
Break the traditional thinking Customer 360 is not a “DataWarehouse” offer but an online
component at the heart of many systems
CRM functionalities are not only bound to “CRM functions” and
“Client Managers” but seamlessly accessible online throughout the
user mobile experience
Fraud detection is not a Back office service but also an interactive
alerting system delivered directly to the user based on their mobility
profiles
Internet Banking is not just a proxy for users to conduct transactions
but a way to better understand their behaviors and upsell or cross sell
new products
SWIFT, FedWire, SEPA, ACH or other protocols are not simply
“exchange protocols” but are elements of a bigger process that
“commits the bank to its business partners”
CBS – IMPACT 2013 14
Thinking Out of the Box
Capital Exchange Unique and privileged Gateway to connect the Bank to its business
partners (Fed, Central Banks, other Banks, partner insurance
companies, SWIFT, etc.)
Unique place to define “trade partners”, their rights and access, audit
trails, statistical usages, exception management, etc.
Any to Any: connects any service (payment, transfer, insurance
quote, Blacklist check, etc.) to any “partner” via any of the available
protocols (SWIFT, SEPA, ACH, FED EXCh, file, etc.)
Can be leveraged for core transactions, CRM, compliance, etc.
Always up to date with the latest compliance rules, protocol support,
etc.
Fully configurable via Rules and BPM management
Available on premise or as a Cloud service
Ingredients: WebSphere Application Server, ESB, BPM and ODM
CBS – IMPACT 2013 15
Thinking Out of the Box
Capital Net Multi-Channel Banking experience with tight integration to Social
networks, CRM, alerts and events backend systems
Provides a seamless, personalized experience where the Bank not only
permits its customers to access content and transactions but can also
analyze their preferences and situations, real time, in order to provide
a “proximity service” traditionally available only trough “Brick and
Mortar” agencies
Seamless experience from the Internet, mobile devices, tablets, Kiosks,
ATM machines, etc.
Universal MDM that aggregates data from the various systems (cards,
trading, etc.) into a unified view serviced in the context of the user
profile, context (device, location, etc.) and preferences
Can plug to virtually any existing core, cards, and trading systems
Ingredients: WebSphere Application Server, ESB, BPM, ODM and CAS
Americas
Email: [email protected]
Phone: +1 212 307 1115
Europe
Email: [email protected]
Phone: +33 1 44 43 44 66
Middle East
Email: [email protected]
Phone: +971 4 37 54 773
Africa
Email: [email protected]
Phone: +33 1 44 43 44 66
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