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Enabling the Bank of the Future by Ignacio Bernal

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Page 1: Enabling the Bank of the Future by Ignacio Bernal
Page 2: Enabling the Bank of the Future by Ignacio Bernal

Enabling the Bank of the FutureBig Data SpainMadrid, 17th Nov. 2016

Page 3: Enabling the Bank of the Future by Ignacio Bernal

What is BBVA

Our Challenge

The Solution

Page 4: Enabling the Bank of the Future by Ignacio Bernal

BBVA is Software

Millions of lines of code

5.5

3.5

14

45

61

85

+400

+2000

~11.000 developers

Hadron collider

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BBVA is Data

2007 2012 2016 2020

0.2

0.7

2.5

>100

Total Group data storage (Petabytes)

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…and of course, BBVA are more than 50MM customers

29.2Million

DownloadsAccum.

114.5Million

Monthly Access

28.1MillionUnique Visitors

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What is BBVA

Our Challenge

The Solution

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Regulation Digital Clients New Incumbents

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Bring the Age of Opportunities to Everyone

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Optimal Transaction Cost

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Optimal Transaction Cost Faster Time to Market

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Optimal Transaction Cost Faster Time to Market

Customer at the Core

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Global Global

SW developed, deployed & maintained once, globally

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Real Time Real Time

Batch-less, event-driven technology & business ops

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Open Open

Enable a global ecosystem (internal and external)

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Data Centric Data Centric

Platform and Products built around smart-data, not apps

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AI Enabled AI-enabled

ML-led processes in search for full automation

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… and starting from the opposite side

Local systems (and mindset!) with no reuse

Batch-heavy architecture, no event-based capabilities

App-centric organization with data siloed in functions

Lack of machine-learning & robotics capabilities

Still a sum of parts, rather than one global bank

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What is BBVA

Our Challenge

The Solution

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Global Cloud Banking Platform

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BBVA Global

Platform=

New Tech Stack

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New Global Infrastructure

Spain

Mexico

Turkey

Argentina

Venezuela

Global hybrid cloud deployed in 5 regions (done)

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New Global Data Platform

Spain

Mexico

Turkey

Argentina

Venezuela

Lambda architecture

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New Global PaaS

Spain

Mexico

Turkey

Argentina

Venezuela

Microservices architecture enabled by a global PAAS

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New embedded Security Platform

Spain

Mexico

Turkey

Argentina

Venezuela

Security in the core of the platform

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BBVA Global

Platform=

New TechStack

+ Inte gration

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Branch ATM Call Center Digital

Service Layer

Decouple channels from backends through a global service layer

MFzOS

Global PaaS

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MFzOS

Global PaaS

Real time data integration from legacy systems to the new platform

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BBVA Global

Platform=

NewTechStack

+ Inte gration

+NewOp

Model

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DevOps (peopleware) at the core

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Everything as a service with a single API Catalog (globally)

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Ubuntu-like global developer community

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BBVA Global

Platform=

New TechStack

+ Inte- gration

+NewOp

Model+ Great

Talent

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A great Platform needs ...

… the best Developers

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Radically different approach to develop talent

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An ecosystem of startups ...

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… and Strategic Partnerships

With more to come...

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And of course ...