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1. SIRE Exercises Shanghai - June, 2013 Prof. Gianmario MottaDaniele Sacco, Ph.D. student
2. SuperBankCase Study Super Bank, led by Jean Dupond, Chief Executive Officer (CEO), is a universal bank (Retail and Corporate) with operations divisions across UE. The Retail Division serves retail and small business customers. It operates in France, Germany, Switzerland and Italy. The Retail Division offers a full range of banking products for consumers (checking accounts, mortgages, loans, personal credits etc.). Alike other large banks, Retail Division includes captive corporations for consumer credit (consumer loans) and life insurance. The geographical structure of Retail Division is on several levels: country, area, market, and branch. The branch is the atomic unit, and it includes front office, that interacts with the customer, and some back-office activities, that include processing checks, accounting and related processes. However, for the sake of efficiency, back-office activities of branches have been centralized in regional hubs (one in Lombardy, one in Tuscany, etc.). The branch front office must effectively manage customers in their entire life cycle. Therefore, each customer is assigned to an individual branch clerk. The clerk is in charge of all customer transactions; only larger branches have a manager, who is in charge of loans (although not exclusively). The size of the branches ranges from 2-3 to 6-9 employees. Most have 5 employees. Each branch is headed by a branch manager. Groups of 8-12 branches are coordinated by a Market Leader. who reports to the Area Manager, who runs a geographical area (e.g. Tuscany).
3. SuperBankCase Study Large banks compete on services offered to the customers. Since the service price (i.e. the interest rate) is essentially market-driven and therefore does not substantially change across banks, customers are sensitive to service levels and switch banks accordingly. With interests rates set by the market, the costs are the main issue. The first cost is personnel and technology is the second one. To improve financial performances banks should increase staff productivity by optimizing tasks, skills, technology while developing also the quality to customers. For a large bank it is also mandatory to provide services throughout Europe, evolving to a pan European vision. The customer / market structure, by unifying processes across Europe, allows economies of scale of ICT costs. As matter of fact, a traditional geographical structure leads to islands of automation, with segregated systems for each country (e.g. France, Italy etc.). Conversely, customer / market organization requires common systems for each service class – checking accounts, loans and so on. This economy of scale can eventually generate resources for service innovation. A strong evolution factor is the fast growth of the digital culture of customers.
4. Information Catalogue
5. SIRE Grid- Personalizationphase In this phase we can specialize domains and decompose levels, to further adapt the table for our purposes.
6. SIRE Grid- Refiningphase For each class of information, one or more SIRE are requested, with the purpose of modeling according to our needs.
7. SIRE Grid- Refiningphase
8. SIRE Card – This is a SIRE CARD. Into this kind of card is possible to find all the information about a row of a SIRE Grid
9. SIRE Card – STAKEHOLDERS- LAW
10. SIRE Card – STAKEHOLDERS- Competitor-1
11. SIRE Card – STAKEHOLDERS- Competitor-1
12. SIRE Card – STAKEHOLDERS-Customer Private
13. SIRE Card – RESORCES- PersonnelLoan Agent - 1
14. SIRE Card – RESORCES- PersonnelLoan Agent -2
15. SIRE Card – RESORCES-PersonnelClerk
16. SIRE Card – RESORCES- Cash
17. SIRE Card – STRUCTURE – Loandepartment
18. SIRE Card – STRUCTURE - Branch
19. SIRE Card – OUTPUT - Process
20. From SIRE to ER diagrams Entities that are useful to model our application are added during refinement: Appointment, because we need to manage all the appointment that involved all the stakeholders. Collateral, because we need collaterals first in any MGL (mortgage-loan) request and these should be well manage in order to reduce wasting time. Real estate, because usually the appraisal result is not computerized and the scope of our new application is to make everything computerized. Inquiry request, because we need to track any request and get informed about the timeline and status. Customer, because we want to have an overall information of the customer of the same screen. MGL request, because this is the principal entity of our system which contains all information that useful to the loan agent in order to have an overall of view of the file and makes necessary actions on it. Loan Agent, because he is necessary to carry out the MGL application. Notary, because in order to finalize the request the different stakeholders should meet with the notary to validate the contract
21. INTEGRATED ER