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eBanking 2

eBanking 2. THE DRIVERS…. Regulators will require financial services firms to concentrate on transparency and risk management.

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eBanking 2

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  1. eBanking2

  2. THE DRIVERS… 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. What are 10 key business issues in financial services?

  3. THE TECHNOLOGIES… 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 systems Continued Efficiency improvements in infrastructure What technologies are needed to support the business?

  4. THE TRENDS ... Dynamic online help / chat Interactive portal/ widgets based More video / audio usage Explosion of mobile banking, more useful applications Creative uses of social networking Increased use of targeted marketing for Cross Sell; subtle/overt and life events. Better business analytics – web analytics integrated with bank CRM data Improved online PFM; Personalized Portals What are leading trends in interactive banking?

  5. TRENDS IN INTERACTIVE BANKING Should allow client personalization, customization, and aggregation What does your online banking offering offer? Does it look like this? Improved online; Personalized Portals

  6. THE ENABLERS Two Key Components are needed: Data Integration – Financial Messaging Service BUS Provides consolidated view of a customer’s relationships Provides integration of internal and external customer data Provides for personalization and targeted offers Presentation Integration - A flexible Portal system – “HOLOS” Provides client and bank customization and personalization Provides easy integration with bank systems, data, and external content / applications What might that look like? What architectures are needed to support the new trends?

  7. Online banking is out Banking online is in

  8. „Old Systems“ – Hierarchical windows, waiting time

  9. NEW !!MashUp Portal - Widgets Financial Mashupportal YouTube service CRM API Public API services eBanking widgets Bank’s Marketing API

  10. Business Mashup* ImagesSoundsVideos eBanking2 Backend Data Services ODATA ExistingEnterpriseServices SOAP PublicInternetMashup APIs RSS/AtomFeeds 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

  11. Financial Portal Architecture Public API services eBanking Re-usable generic SaaS • Financial Mashup portal Widgets Administration Portal engine eBanking suite Notification ... SOA CRM Monitoring SCOM Mailbox Personal finance Ebanking services Analytics Core banking SOA Banking services

  12. MashUpPortal - Widgets Financial Mashupportal CRM API Bank’s Marketing API Public API services eBanking widgets Video service

  13. Saga eBanking2 • Widget-based • Asynchronous • Concurrent • Inter-Communication • Fully Open for Integration: system wide and widget wide • Internet, mobile, contact center, IVR, SMS, e-Mail

  14. WebKit browser compatible

  15. „Touch“ Supported ...

  16. Product Roadmap Corporate Retail 1.4.’11 1.10.’11 1.4.’12 1.5.’13 1.5.’14 v 2.2 v 2.0 v 2.1 v 2.1 v 2.2 v 3.0 v 2.0 Mailbox CFM ID cards Analytics Monitoring Widgets E-payment aBanking Approval WF Account audit SaaS SAML Multi-Browser Support Standard CA Rol based Admin. Global liquidity Community manager APG- Adaptive Process Guidance Direct Debit Company user admin. Social media for SME Retail data DMS CAPTCHA e-Payment aBanking: PFM PFM: Notification Infographics Mailbox: SMS Web-app v 3.1 WYSIWYG Portal e-Load PFM: Budgeting aBanking: SMS External CRM SaaS Mailbox PFM ID card Widgets aBanking WAP Analytics Monitoring Multi-Browser On-Behalf E-commerce WebOS E-Invoice Account opening CRM internal Campaign manag. Direct Debit PFM: Advisor Mailbox: Workflow Corporate data HOV portfolio managed 1.7.’11 1.1.’12 1.9.’12

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