IBM - Transformation digitale et le SI des banques

La transformation digitale et le secteur des services financier

Février 2016 Rodolphe Lezennec Client Technical Advisor – Banking [email protected]

© 2016 International Business Machines Corporation 2

Transformation Digitale

System of Engagement

System of Insight

Intégration




System of Insight

Intégration


Individuals are more connected and empowered §  Increased consumer expectations

§  Different ways to engage digitally

§  Expanded information transparency

Operations and business models are being transformed

§  Redefined consumer value

§  Integration across digital with physical

§  Concerns around risk, security, compliance and privacy

Competition is coming from new and different areas §  New competitors from different industries

§  Changes in value migration; new winners and losers

§  New types of collaboration

Business Challenges

Business Challenges

Business Challenges

Mobile revolution

Social media explosion

Cloud Enablement

Power of analytics

Forces

Source: 2011 IBM Digital Transformation Study, IBV Analysis

La transformation digitale a un impact sur tous les niveaux de l'entreprise et de la société. Créant ainsi une économie centrée sur l'individu


Today Future

Mobile wallet turns dollars digital

Integrate internal / external data sources

Miniaturization of mobile devices, from palm-sized

to wearable

Boundary-less computing

Big data and predictive analytics

Organizations subject to instant critiques

User generated content

Personalized consumer service

Cross-platform on-demand content

Location-based services

Collaborative buying and revenue sharing

Subscription access to enterprise applications

Power of Analytics

Cloud Enablement

Social media explosion

Mobile revolution

“Although [social, mobile, analytics, and cloud] are… disruptive

on their own; together they are revolutionizing business and

society, disrupting old business models and

creating new leaders.”

– Gartner2

Source: [1] IDC Predictions 2013: Competing on the 3rd Platform,“ IDC, November 2012; [2] http://www.gartner.com/technology/research/nexus-of-forces/

98% of the growth in IT spending between

2013 and 2020 will comprise social,

mobile, analytics and cloud

- IDC1

Il devient clair que l'impact des nouvelles technologies sera encore plus profonde, conduisant à des innovations radicales.

5


Industries will converge

Ecosystems will emerge

§  As specific functions in value chains are contested, new competitors will emerge

§  Functional specialists from one industry will begin competing in specific value chain functions of other industries

§  This cannibalization of value chain functions across industries will begin to drive industry convergence

§ Functional specialization, value chain fragmentation and industry convergence will begin to support formation of ecosystems or value nets

§ Ecosystems will typically cut across multiple organizations, functions and industries

§ Ecosystems will provide a foundation for seamless consumer experiences, camouflaging functional complexity

Value chains will fragment

§  New technologies will make value chains more transparent and easier to decompose

§  In the past, value chain disruptions often involved replacing substantial sections of value chains (e.g., replacing face-to-face banking with direct banking)

§  Next generation value chain disruption will involve contesting specific functions within value chains

Margin

Consumer experience

Marketing and sales

Outbound logistics

Design and operations

Inbound logistics

Consumer experience

Marketing and sales

Outbound logistics

Inbound logistics

Outbound logistics

Operations Specialist

Inbound logistics

Outbound logistics

Inbound logistics

Healthcare

Distribution

Electronics

Retail Outbound logistics

Operations Inbound logistics

Marketing and sales

Operations M

Operations

M Consumer experience

Marketing and sales

Marketing and sales

M

M

Consumer experience

Consumer experience

De nouvelles technologies se combinent pour influer radicalement les industries

6 15 février 2016


Et cela concerne également le secteur des services financiers!

© 2015 IBM Corporation |

Source : http://www3.weforum.org/docs/WEF_The_future__of_financial_services.pdf


Individual-centered economy

Everyone-to-everyone economy (E2E)

§  Consumers are empowered,

§  Bi-directional collaboration

§  Consumer insight leveraged customized brand experiences

§ Collaboration and connectedness is fundamental to realization of consumer value

§ Multi-directional communication among organizations and consumers

§ Consumers are an intrinsic part of organizations, with transparency driving trust and effectiveness

COLLAB

ORA

TION

… 1950 2010

Organization-centered economy §  Producer-driven

consumption with organizations facilitating goods and services

§  Mono-directional communication from organizations to consumers

§  Consumer demand extrapolated

2030

Nous sommes dans une économie centrée sur l’individu et ceci impose un changement complet d’état d’esprit …

8

…


Une stratégie digitale doit intégrer : l'expérience client et l'excellence opérationnelle

Source: “The Digital Business Imperative”, March 2014, Forrester


Et cela implique de voir différemment son Système d’Information

Source: IBM Global Technology Outlook 2014

© 2016 International Business Machines Corporation 11 Geoffrey Moore white paper: http://www.aiim.org/futurehistory

Systems of Record and Systems of Engagement

Innovate how we engage, make decisions and work

Systems of Engagement

Add Business Value Quickly Focus on Speed & Agility

(e.g., end user-facing apps that support collaboration, interaction, and engagement)

Knowledge Sharing Engagement Models Anywhere, Anytime

•  Assemble solutions from software components •  Dev/Ops Process changes

Optimize our IT infrastructure, data and processes

Systems of Record

Reduce cost & Minimize Risk Focused on Operational Cost

(e.g., back-end applications that that support enterprise processes – CRM, ERP, HR)

Secure Data Dynamic Infrastructure

On-demand Self-service

•  Consolidation (solutions & Infra) •  Operations Automation (reduce skills &

risk)

The “Systems of Engagement describes a way that IT should interact in a similar way like consumers and employees do.

(first introduced by Geoffrey Moore, 2010)


Systems of Record and Systems of Engagement Two Speed IT – Le temps court et le temps long

Digital Enterprise

Scaling your institutional knowledge and processes

Speed and agility to drive innovation and growth

Fast Speed of IT Steady Speed of IT


Retail Banking – Reference Architecture

Process/Engines Domain

Managem

ent Dom

ain

Information Domain

Business Domain

Integration Logic

User Domain Channel Domain

Enterprise Development Domain

Security

Operational Platforms

Service Monitor

External Adapters

External Consumer

Process Monitor

Event Monitor

IVR Mobile Gatewy

Collaboration

System Monitor

Application Monitor

Presentation Services

Pres

enta

tion

Com

pone

nts

Cha

nnel

Ope

ratio

ns

Pres

enta

tion

Acc

ess

Serv

er

Pres

enta

tion

Flow

Eng

ine

Web

Des

ktop

M

obile

co

ntai

ner

Ric

h C

lient

Des

ktop

BUS

Elem

enta

ry S

ervi

ces

Composite Services

Con

nect

ors

Transformations

Routing

Common Technical Services

Service Registry

Process Engine

Events Engine

Rules Engine

Engines

Cor

e A

pplic

atio

ns

Operational

DB

Ser

vice

s

External Services Providers

Informational/ Analytical

Content Management

ODS

Data Mart

Big Data

Master Data

DW

Acct Cust Prod

Predictive

Process Integration

Self-Service Channels

Internet

Mobile

ATM

Kiosk

IVR

Assisted Channels

Branch

Contact Center

Other Staff Access

Partner Access

Process Modelling

Components/Services Design

GUI Design Rules Design

Events Design


Architecture de référence de la banque de détail

Process/Engines Domain

Managem

ent Dom

ain

Information Domain

Business Domain

Integration Logic

User Domain Channel Domain

Enterprise Development Domain

Security

Operational Platforms

Service Monitor

External Adapters

External Consumer

Process Monitor

Event Monitor

IVR Mobile Gatewy

Collaboration

System Monitor

Application Monitor

Presentation Services

Pres

enta

tion

Com

pone

nts

Cha

nnel

Ope

ratio

ns

Pres

enta

tion

Acc

ess

Serv

er

Pres

enta

tion

Flow

Eng

ine

Web

Des

ktop

M

obile

co

ntai

ner

Ric

h C

lient

Des

ktop

BUS

Elem

enta

ry S

ervi

ces

Composite Services

Con

nect

ors

Transformations

Routing

Common Technical Services

Service Registry

Process Engine

Events Engine

Rules Engine

Engines

Cor

e A

pplic

atio

ns

Operational

DB

Ser

vice

s

External Services Providers

Informational/ Analytical

Content Management

ODS

Data Mart

Big Data

Master Data

DW

Acct Cust Prod

Predictive

Process Integration


Internet

Mobile

ATM

Kiosk

IVR

Assisted Channels

Branch

Contact Center

Other Staff Access

Partner Access

Process Modelling

Components/Services Design

GUI Design Rules Design

Events Design


Architecture de référence de la banque de détail Vision macro

Real Time

Multichannel Domain Information

Domain Business Domain

Information Domain

Processes and Integration Domain

Operational Data Bases

Informational Data Bases (DW+ DM)

Core Business

Logic

Business Intelligence

Multichannel (Front End) Core (Back End)

Presentation Logic

User Interface

Collaboration

Business Processes

Integration Logic

Other Business

Logic

Enterprise Content

Management Data


Internet

Mobile

Kiosk

IVR

Assisted Channels

Branch Office

Contact Center

Other Staff Access

Partner Access

Rules Engines


Architecture de référence de la banque de détail Impact de la Transformation Digitale

Real Time

Multichannel Domain Information

Domain Business Domain

Information Domain

Processes and Integration Domain

Operational Data Bases

Informational Data Bases (DW+ DM)

Core Business

Logic

Business Intelligence

Multichannel (Front End) Core (Back End)

Presentation Logic

User Interface

Collaboration

Business Processes

Integration Logic

Other Business

Logic

Enterprise Content

Management Data


Internet

Mobile

Kiosk

IVR

Assisted Channels

Branch Office

Contact Center

Other Staff Access

Partner Access

Rules Engines

DataAnaly)cs

Hyperintegra,on

AdvancedInterac,onSupport

Communi,esEcosystems

IoT

RealTime

Co-crea)onLogic


Business Rules

Business Processes

INTEGRATIONSYSTEMSOFENGAGEMENT

Real Time & Responsiveness

Advanced Analytics

SYSTEMSOFRECORD

Advanced Interaction

Advanced User

Experience Advanced

Collaboration

Personalized Customer Context

Core Business

Logic

Other Business

Logic

Business Events

Business Integration

Logic

SYSTEMSOFINSIGHT

Big Data (At rest + In

motion)

Intelligent Systems

Informational Data

(DW+ DM) Business

Intelligence

Operational Data

Engagement Data

Enterprise Content

Management Data

Business Ecosystem

Support


Internet

Mobile

Kiosk

IVR

Assisted Channels

Partner Access

New channels and sources of

information

Branch Office

Other Staff Access

Contact Center

Une nouvelle vision du SI




System of Insight

Intégration


Une adoption grandissante des Architectures Microservice

19

Enterprises are beginning to adopt microservice architectures for both new application development and enterprise modernization projects. Driven by the promises of:

•  Agility - Faster application evolution (SoE vs. SoR) as demanded by new applications

•  Not just IT agility – business agility and innovation •  Ability to react to disruptions

•  Availability - Better and more flexible availability models

UI Team

Middleware

DBAs

Architecture 3 Tiers Architecture Microservice

SYSTEMSOFENGAGEMENT

Advanced Interaction

Advanced User

Experience Advanced

Collaboration

Personalized Customer Context

Business Ecosystem

Support


Retour d’expérience sur son Adoption

20

Common scenario: •  Experimental group trying out new technology and new approaches.

•  Microservices, APIs, organizational, processes… •  New application(s) built using these principles •  Effort to understand how to transform existing applications to the new

approaches

§  Processes §  Change control, release

management, compliance, risk management

Enterprise Issues §  Integration – Data and Function

§  How to make existing function and data available in a composable way to new systems without giving up governance, compliance, security

Traditional IT New applications

1 Experiment Transform

2

3


« Speed to Value » avec IBM Bluemix Accélération de l’innovation

21

Reduces up-front risk

Delivers immediate value

Lowers end-to end development costs

3x efficiency increase for devs, 10x for operators

DevOps is practical in a complex, hybrid cloud, with drastically reduced middleware setup costs


Cas d’usage d’IBM Bluemix

Extend Existing Applications -  Add multi-channel user experience for mobile,

social -  Add new capabilities integrating other data/services -  Integrate with other internal & external services

API Enable Applications -  Create scalable API layer on top of existing services -  Simplify how composite service capabilities are

exposed via APIs

Create New Applications (Mobile, Web, etc.) -  Twelve-factor applications (http://12factor.net) -  End-to-end DevOps -  Securely Integrate with on-premises data & services

Backend Systems and!Integration

API Creation & Management New Channels &!Opportunities


IBM Bluemix – The Digital Innovation Platform

It’s about technology-enabled business speed to market and agility. Consider a focus on the breadth of services, then the openness, then the underlying

infrastructure


Scénario de Démo Portabilité des Containers et services DevOps

IBM Bluemix DevOps Services

Build Pipeline

IBM Container Service

on IBM Bluemix

Code stored on Github

Local Eclipse IDE

Local Docker

(optional)


Exemple client : réduction du time to market et amélioration de l’expérience client

Using a combination of cloud delivered services, can create “as a service” components to analyze data from social media

IBM is helping Tangerine Bank, the leading digital bank in Canada operate a device agnostic Mobile Bank, allowing freedom of choice for their customers

The bank partnered with IBM to quickly develop, test and deploy applications using IBM PureApplication System, MobileFirst, Bluemix and API catalog

Bank was able to §  Reduce development provisioning from days to

less than 30 minutes §  Shorten development cycles from 6 weeks to 2 §  Deliver innovative customer service tools

1. Define development environment

2. Add database service

3. Extract & feed social media data into database

4. Add social analytics service

5. Add Monitoring service instance

6. Provision resources and secure the service

We give our customers what they need and are challenging the status quo

And we’re challenging the banking industry through our innovation and technology

Peter Aceto, Chief Executive, Tangerine Bank

Itera

te

PaaS: Rapid app development through composable services and APIs

Source: See speaker notes

SaaS: Enterprise-grade business apps to accelerate innovation

IaaS: Self-service configurable IT infrastructure resources




System of Insight

Intégration


Une demande de plus en plus forte des métiers…

BusinessTeamswant•  Openaccesstomoreinforma,on•  Morepowerfulanalysisandvisualiza,ontools

ITTeamsare•  Concernedaboutcost.

•  Concernedaboutgovernanceandregulatoryrequirements.


Le périmètre de l’Analytique s’élargit …

Applica)ons DataWarehouse

PaGernDiscoveryforAnaly)cs

Repor)ngDataMarts

Opera)onalDataStore

Dataflowinonedirec,on;analy,csopera,ngondataextractedfromreal-,meopera,ons


SOA


MasterDataManagementHub



Repor)ngDataMarts

Opera)onalDataStore

Masterdatamanagementcreatesasynchroniza,onpointforcustomeriden,tyandkeydemographicinforma,on.SOAsimplifiesdistribu,onofdatabetweenopera,onalsystems.


SOA





Repor)ngDataMarts

Nonstructuredrepository*?

Opera)onalDataStore

*Hadoopprovidescheapstorageandprocessingtoincreasetheamountofdata–andthetypeofdatathatcanbeprocessedinacost-effec,vemanner.Streaminganaly,csenableshigh-speedinmemoryanaly,cs

CustomerConversa,ons,Web,SocialMedia,Logfiles,…

Sensorsandreal-,meevents


SOA





Hadoop

Opera)onalDataStore

Addinginabusinessdesireforreal-,meanaly,cs,selfservicedataandincreasingregula,onsrela,ngtoindividualprivacy,itbecomesnecessarytohaveawell-defined,managedandgovernedapproachtoinforma,onarchitecture.WecallthisthedataLake.

SAND BOXES

AnalyzeValues

SearchForData

Repor)ng

StreamingAnaly)csDataLake


Définition d’un Data Lake

IBM’s definition of a Data Lake is a group of repositories that are managed, governed, protected, connected by metadata and provide

self service access.

Data Lake

Information Management and Governance Fabric

Data Lake Services

Data Lake Repositories


Data Lake is not = Data Warehouse !

•  Data Lake Retain All Data –  When designing a Data Warehouse, we structure and transform data to fulfill a reporting

purpose and data that’s not needed today are not included. The Data Lake contains all data in it’s original format, whether it’s needed today or might be needed in the future.

•  Data Lake Support All Data Types –  Data Warehouse mainly contains structured data from transaction systems. Data Lake

contains this and non-traditional data sources as web logs, sensor data etc. in its raw format. Only when we need data are they transformed.

•  Data Lake Support All Users –  Data Warehouse in its structured format mainly supports Readers. Date Lake supports

Readers, Analysts (that needs to go back to the source data) and Data Scientists (that needs to include new data sources in a more free format)

•  Data Lake Adapt Easily to Changes –  Changes to a Data Warehouse is a time consuming process due to the complexity of structure

and load of data. Data Lake contains all data and allows the end-user to approach unstructured data at their own pace.

•  Data Lake Provide Faster Insights –  Data Warehouse is one of many data sources to Data Lake, leaving Readers to tap into the

structured approach and Data Scientist to dive into the full data lake in a govern approach – the Data Lake

33


Data Lake - Architecture de référence

Line of Business Applications

Informa,onServiceCalls

SearchRequests

ReportRequests

DeployDecisionModels

DataAccess

Data Lake

DeployReal-,meDecisionModels

Data Lake Operations

Cura,onInterac,on

Management

DataAccess

DataDeposit

DataDeposit

Data Scientist and Monitor operations

EventstoEvaluate


DataOut

DataIn

No,fica,ons


UnderstandInforma,onSources


UnderstandCompliance

ReportCompliance

Adver,seInforma,onSource

Governance, Risk and Compliance Team

Data Steward

Catalog Interfaces


Raw Data Interaction

Enterprise IT

Interaction

Consumers of Insight

Simple, ad hoc Discovery

and Analysis

Reporting

Analytical Insight Applications View-

based Inter- action

Data Lake R

epositories

Information Integration & Governance

Enterprise IT

New Sources

Other Systems Of Insight Other Data

Lakes

System of Record

Applications

Enterprise

Service B

us


Systems of Automation

Structured and traditional data

Unstructured and Non traditional data


Data Lake - Architecture de référence

Line of Business Applications


SearchRequests

ReportRequests

DeployDecisionModels

DataAccess

Data Lake


Data Lake Operations

Cura,onInterac,on

Management

DataAccess

DataDeposit

DataDeposit

Decision Model Management

EventstoEvaluate


DataOut

DataIn

No,fica,ons




UnderstandCompliance

ReportCompliance

Adver,seInforma,onSource

Governance, Risk and Compliance Team

Data Steward

Catalog Interfaces


Raw Data Interaction

Enterprise IT Interaction

APIs

Data Ingestion

Publishing Feeds

Continuous Analytics

STREAMING ANALYTICS

Consumers of Insight

Simple, ad hoc Discovery

and Analysis

Reporting

Analytical Insight Applications

Analytics Tools

View-based Interaction

Secure Access

SAND BOXES

EVENT CORRELATION

Data Lake R

epositories

Descriptive Data

INFORMATION VIEWS

CATALOG

Context Data

ASSET HUB

ACTIVITY HUB

CODE HUB

CONTENT HUB

Deposited Data

Historical Data

Harvested Data

INFORMATION WAREHOUSE

DEEP DATA

AUDIT DATA

OPERATIONAL HISTORY

SEARCH INDEX

Information Integration & Governance

INFORMATION BROKER

OPERATIONAL GOVERNANCE HUB

BROKER CODE HUB

WORKFLOWSTAGINGAREAS GUARDSMONITOROFFLINE ARCHIVE

LOG DATA

Published Data

DATA MARTS

OBJECT CACHE

EXPORT AREA

Search

Access

Feedback

Refine

SAND BOXES

Secure Access Secure Access

Enterprise IT

New Sources

Third Party Feeds

Third Party APIs

Internal Sources

Other Systems Of Insight Other Data

Lakes

System of Record

Applications

Enterprise

Service B

us


Systems of Automation


IBM Behavior Based Customer Insight For Banking (BBCI) BBCI Use

Cases §  Customer

Retention

§  Improving Customer Experience:

§  Overdraft Alerts

§  Cashflow pattern detection

§  Cross-Sell and Up-Sell

§  Targeted Marketing

How They

Spend

What They Buy

When They

Spend

Where They

Spend

Customer Data

Payment Data

Transaction

Data

Interaction

Data

External Data

Generate segments based

on behavior

Use insights to drive what is

presented to clients

Predict future life and financial

events

Predict likelihood of financial

activities & churn based on behavior

correlations

Benefits§  Improvecross-sellandwallet

share§  ReduceaXri,on§  Generatenewrevenuestreams

Financial and life event prediction to gain actionable insight from the data (payments, transactions) banks have on their customers and data outside.


Exemple – Connaissance client

Credit/Debit trends & future prediction

Customer Behaviour details

Insight on Debits

Likehood of Overdraft

© 2016 International Business Machines Corporation 38 © 2015 IBM Corporation 38

Link to the case study

http://public.dhe.ibm.com/common/ssi/ecm/en/imc14573usen/IMC14573USEN.PDF

Une grande banque italienne exploite les données non structurées des clients afin d'améliorer leur fidélité Need

•  Drive customer retention activities based on behaviors instead of only transactions

•  Leverage branch teller notes, call center notes and client emails to identify changing client behaviors

•  Track social media sentiment analysis to measure impact of targeted campaigns

Targeted Benefits

•  Reduce attrition from 6% to 3%

•  Optimize offers and cross sell to increase average products per customer from 1.4 to 2.2

•  Improve client advocacy (NPS) 38




System of Insight

Intégration


La couche d'intégration doit évoluer pour faciliter les échanges en temps réel entre le Système of Engagement et le System of Record.


Systems of Records

APIs

SOA Services

Emulators

API Management BPM Business

Rules Document

Management

End-to-end Integration

Une bonne pratique consiste à extraire les processus métier et les règles métier du System of Record et de les exposer sous forme de service.


Technology

New Customers Behavior

New Entrants

First Movers

Regulatory

Internal Forces

banking≠ banks Positive Forces

Negative Forces

The

Forc

es

Forces de l’écosystème bancaire


Banks Should be Banking on APIs and Apps, Not Applications

http://www.gartner.com/newsroom/id/2217415

42

Ce qu’en pense le Gartner …

API Deployment models that accelerate digital banking

http://blogs.gartner.com/kristin_moyer/2014/03/05/api-deployment-models-that-accelerate-digital-banking/

Banks are in a race to remain relevant. Open banking provides banking CxOs and line of business leaders with a way to transform what it means to be a bank.

http://blogs.gartner.com/kristin_moyer/2014/06/06/banks-are-in-a-race-to-remain-relevant/

Digital Banking and the Role of APIs, Apps and App Stores

http://blogs.gartner.com/kristin_moyer/2013/12/11/digital-banking-and-the-role-of-apis-apps-and-app-stores/


Vision de bout en bout


Déterminer le modèle de monétisation est crucial

§  Drives Adoptions of APIs

§  Typically low valued assets

§  Drive brand loyalty

§  Enter new channels

For Free

Facebook Login API provides free authentication for any Web / mobile app

Example:

Developer Pays §  Business Asset must be of

high value to the Developer

§  For example, marketing analytics, news,

§  Capabilities such as credit checks

Amazon EC2 Web Services – APIs charge per usage to launch and manage virtual servers.

Example:

Developer Gets Paid §  Provides incentive for

developer to leverage web API

§  Ad placements

§  Percentage of revenue sold product or services

Google AdSense APIs pay developers who include advertising content into apps

Example:

Indirect §  Use of API achieves some

goal that drives business model.

§  E.g. Increase awareness of specific content, or offerings

eBay Trading APIs offer developers access to trading services extending the reach of listings and transactions

Example:

44


Exemple d’API pour la banque

Branch Locator / ATM Locator Let customers search and find a convenient ATM, Branch wherever they happen to be.

Forex Exchange Rates Let customers get to know about your great offers on Forex

Deposit, Lending Rates, Eligibility Calculators Market your rates through Multiple Channels

Reward Points Management Onboard partners quickly easily integrate in to your reward system

Digital Wallet Services Make more money with your Payment & Wallet APIs

Access to Account Data Get paid when account data is accessed

SWIFT Code, BIC Codes Customers can know your SWIFT, BIC Codes through any channel

Bill Presentment Services, Corporate Banking Services Allow Partners & Customers to easily Integrate with your applications


IBM API Management - une solution « on-premise » unique et complète pour concevoir, sécuriser, contrôler, publier, surveiller et gérer les APIs

IBM API Management Fully on-premise, multi-tenant solution,

for API providers

IBM DataPower API Gateway for security, control, integration &

optimized access to a full range of Mobile, Web, API, SOA, B2B & Cloud workloads

Over a decade of innovation, 10,000+ units sold,

2000+ customer installations worldwide


1 Create, assemble, and define an API 2

3 4

Secure and scale the API

Socialize by sharing with developers

Manage and analyze growth

IBM API Management – Fonctionnalités clés


Enterprise API Management for all of your Bluemix APIs Value: Secure, Control, Publish, Analyze and Manage your APIs. Discover APIs from on premise sources.

2

Key Capabilities:

•  Manage your APIs– Manage your Bluemix APIs to allow secure, governed and monitored usage

•  API Discovery– Discover APIs from on prem sources such as System Z and IBM Integration Bus and publish them into Bluemix

•  Socialize- Invite partners to consume and interact via the Developer Portal and publish into their Bluemix orgs

What’s new?

•  A Bluemix service that seamlessly launches an API Management experience to extend your API reach

IBM API Management on Bluemix


Business Challenge

Solution Result

Types of APIs Example Apps

•  Create an “easy to do business with” environment for partners •  Establish a secure digital wallet for online purchases so personal

financial data is not transmitted on the internet. •  Provide a 360°view of the end user for member banks

•  Implement an API Management solution that provides:

1.  An easy to use developer portal 2.  Rapid assembly of new Restful

APIs for online merchants 3.  Extensive real-time analytics

•  Coupon redemption •  Payment options •  Partner Loyalty Programs •  Account status

•  Improved relationships with members and partners

•  Increased transaction volumes and revenue generation

•  Gained real-time views of buying behavior and accelerated the timing of new, targeted offers to buyers

•  Groupon: Daily Merchant coupons to help drive new customers •  PayPal: Account linkage to banks, credit and debit cards •  Tripit Point Tracker: aggregates points from various travel industry merchants.

Financial Services: Leading Payments Processor


Conclusion


Pour plus d’information

•  http://www-935.ibm.com/services/us/gbs/thoughtleadership/bankingredefined/

•  http://www.ibm.com/cloud-computing/bluemix/

•  http://www-935.ibm.com/services/us/gbs/thoughtleadership/ibv-digital-transformation.html