What are 10 key business issues in financial services Regulators will require financial services firms to concentrate on transparency and risk management Transaction banking will have a strong resurgence and will need to offer product and delivery innovation including social media new interac ID: 760005
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Slide1
eBanking
2
Slide2THE DRIVERS…
What are 10 key business issues in financial services?
Regulators will require financial services firms to concentrate on transparency and risk management.
Transaction banking will have a strong resurgence and will need to offer product and delivery innovation, including social media, new interactive strategies, and mobile banking.
Lending Activity will continue to recover and increase.
The handful of global banks likely to be flourishing in the future will owe much of their success to having significantly scaled back the complexity of their operations.
Globalization and emerging markets will represent growth opportunities.
Traditional fee sources will end / change.
Wealth management will remain strategic, but with some shifts.
Prioritizing Investments will remain critical as hard times hinder innovation.
Security will remain a primary consumer concern.
Non bank banking ecosystems will begin to develop.
Slide3THE TECHNOLOGIES…
What technologies are needed to support the business?
Increased emphasis on Interactive related technologies: Mobile, enhanced Web, and Social Networking.
Improvements in data consolidation and rationalization; Information analytics and real-time information. Evolution of core financial services software platforms.Increased IT Governance.Emphasis on improved “non-invasive” security processes and systemsContinued Efficiency improvements in infrastructure
Slide4What are leading trends in interactive banking?
Dynamic online help / chat
Interactive portal/ widgets basedMore video / audio usageExplosion of mobile banking, more useful applicationsCreative uses of social networkingIncreased use of targeted marketing for Cross Sell; subtle/overt and life events.Better business analytics – web analytics integrated with bank CRM dataImproved online PFM; Personalized Portals
THE TRENDS ...
Slide5TRENDS IN INTERACTIVE BANKING
Improved online; Personalized Portals
Should allow client personalization, customization, and aggregationWhat does your online banking offering offer? Does it look like this?
Slide6What architectures are needed to support the new trends?
Two Key Components are needed:
Data Integration – Financial Messaging Service BUSProvides consolidated view of a customer’s relationshipsProvides integration of internal and external customer dataProvides for personalization and targeted offersPresentation Integration - A flexible Portal system – “HOLOS”Provides client and bank customization and personalizationProvides easy integration with bank systems, data, and external content / applicationsWhat might that look like?
THE ENABLERS
Slide7Online banking is out
Banking online is in
Slide8„Old Systems“ – Hierarchical windows, waiting time
Slide9Financial Mashup portal
NEW !!MashUp Portal - Widgets
Public API
services
YouTubeservice
Bank’sMarketing API
CRM API
eBankingwidgets
Slide10Business Mashup*
eBanking
2
Backend
Data
Services
ODATA
Existing
Enterprise
Services
SOAP
Public
Internet
Mashup
APIs
RSS/Atom
Feeds
Images
Sounds
Videos
In Web development, a
mashup
is a Web page or application that uses and combines data, presentation or functionality from two or more sources to create new services. The term
implies easy, fast integration, frequently using open APIs
and data sources to produce enriched results that were not necessarily the original reason for producing the raw source data
.
- Wikipedia
Slide11Financial Portal Architecture
Core banking
Portal engine
Analytics
SOA
Banking services
eBanking suite
Financial Mashup portalWidgets
eBanking
Re-usable generic
SaaS
Public APIservices
Administration
Personal finance
SOA
CRM
Ebanking
services
Notification
Mailbox
...
Monitoring
SCOM
Slide12Financial Mashup portal
MashUp
Portal - Widgets
Public APIservices
Videoservice
Bank’sMarketing API
CRM API
eBankingwidgets
Slide13Saga eBanking2
Widget-based
Asynchronous
Concurrent
Inter-Communication
Fully Open for Integration: system wide and widget wide
Internet, mobile, contact center,
IVR
,
SMS
, e-Mail
Slide14WebKit browser compatible
Slide15„Touch“ Supported ...
Slide16Product Roadmap
v
2.0
Mailbox
PFM
ID card
Widgets
aBankingWAPAnalyticsMonitoringMulti-BrowserOn-Behalf
v 2.1
WYSIWYG Portal
e-
Load
PFM: Budget
ingaBanking: SMSExternal CRMSaaS
v 2.2
CAPTCHA
e-
Payment
aBanking: PFM
PFM: NotificationInfographicsMailbox: SMSWeb-app
v 2.
1
Mailbox
CFM
ID cards
AnalyticsMonitoringWidgets
v 2.
2
E-payment
aBanking
Approval WF
Account auditSaaSSAML
v 2.
0
Multi-Browser
Support Standard
CA
Rol based Admin.
Retail
CRM
internal
Campaign
manag
.
Direct Debit
PFM: AdvisorMailbox: WorkflowCorporate dataHOV portfolio managed
Direct DebitCompany user admin.Social media for SMERetail dataDMS
v 3.0
Corporate
E-commerce
WebOS
E-Invoice
Account opening
Global liquidity
Community manager
APG
- Adaptive Process Guidance
v 3.1
1.10.
’11
1.
4
.
’12
1.5.’13
1.5.’14
1.4.’11
1.1.
’12
1.9.
’12
1.
7.’11
Slide17