H P 80364-Industry Edge

5/26/2018 H P 80364-Industry Edge

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IndustryEdgeSpecial Edition

Mobility in Banking

Feature stories

Moving up the value chainwith mobile wallets

Authentication andconsumer cloud

identity management

Topline revenue growthopportunity for BCI Bank

HP Enterprise Services Issue 006 Summer 2012


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Table of contents

Introduction 4

A world of opportunity fueled by mobility and connectivity 6

Seize the opportunity 8

Secure, high-quality mobile banking experiences 10

Moving up the value chain with mobile wallets 14

Mobility from the branch to the app 16

Discover your next mobile opportunity 18

Mobilize the future 20

The mobility challenges in banking 22

Think beyond the device 25

Authentication and consumer cloud identity management 26

The mobile impact 28

Enable enterprise mobility 30 Topline revenue growth opportunity for BCI Bank 32

Immersive user experiences with HP Labs 34

Developing cross-platform mobile banking apps 36

Contain the cost of mobile testing 38

Take it to the vault - the enterprise app store 39

Take the next step 40

Enable enterprise mobility in your bank 42

HP Mobile Application Services 44


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5Mobility in Banking Special Edition

Introduction


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6. Mobility in Banking Special Edition

A world ofopportunityfueled by

mobility andconnectivity


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Providing a consistent experience

across all customer touch points is

critical to maintaining trust.

An era where 60 percent of the worlds

population has a mobile phone presents

both opportunities and challenges to the

nancial services industry. People now expect

to be provided with anywhere, anytime

access to information that transcends their

professional and personal lives as well as the

means to act on it. Banks and other nancial

institutions can seize this opportunity

to transform the way they interact with

customers. But how you implement mobile

solutions is critical to maintaining the trust

that is the heart of the nancial services

industry. Mobility enables several key

nancial sectors to provide new

customer services:

Banks move up the value chain with mobile

payment solutions.

Merchants send discount oers directly to

credit card holders based on GPS location.

Insurance companies enable people to

assess damages and le claims directly

from the crash site with a simple scan of

the vehicle identication number.

Customers deposit checks and pay their bills

directly from their mobile device.

Financial analysts help customers manage

portfolios and create wealth with anywhere-

access to investment information.

Read on to learn how The HP integrated

mobile solutions can help you transform your

customers nancial services experience to

drive new revenue, higher protability and

greater competitiveness.

Paul Ashwood

Global Product Marketing ManagerHP Mobile Application Services


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Seize theopportunity


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Secure, high-qualitymobile bankingexperiencesMobility is becoming part of daily

life for everyone in the world asbillions of people rapidly embrace

the use of mobile devices. In fact,

research from World Bank cites that

75 percent of the worlds population

have subscribed to mobile phones1.

Although the remaining 25 percent

may not own a mobile phone, theyprobably have easy access to one.

Mobile devices are becoming the most

accessible way to connect and conduct business

with anyone and any business, anywhere. As

ownership of mobile devices becomes more

common and application downloads skyrocket,

lives and lifestyles are rapidly changing. New

forms of access to healthcare, mobile shopping,

and nancial services are transforming how we

interact with customers. Simply stated, mobile

devices are creating a better life experience in

both developed and developing countries.

For IT leadership in the nancial services

industry, this presents an incredibleopportunity as well as potential disruption to

infrastructures and business models. There

will be enormous innovation in this space that

will be a key battleground for all nancial

institutions. The primary advantage is, of

course, that you can reach anyone, anytime,

anywhere. Mobile devices enable new types of

services, such as remote check capture, claims

submission at point of accident, and immediate

person-to-person remittance. In emerging

markets, mobile phones are just now bringing

nancial services to the unbanked (people

without a bank account), enabling

nancial inclusion.

Employees need choice

of mobile devices as wellCustomers expect you to support their device.

However, IT departments typically oer

employees a limited choice of corporate-

approved mobile devices. This is changing as

banks realize that employees can be more

1World Bank , Information and Communications for Dev elopment 2012: Maximizing Mobile, July 2012


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eective if they get to select their own

mobile device. Your organization must

balance employee choice with protecting

corporate assets.

Employees bringing their own mobile

device to work is called Bring Your Own

Device (BYOD). The benets of BYOD

include being able to shift device costs

to employees, improving employee

satisfaction, and accelerating technology

adoption. Risks include loss of sensitive

corporate data, creating a new penetration

point into the corporate network, and

exposure to fradulent transactions if the

device is compromised or stolen.

ITs challenge is transforming from a closed

corporate-device-only policy to a exible

and agile governance policy. This includes

creating a service assurance framework that

embraces new mobile technology, while

protecting corporate assets. IT must change

their governance policy from supporting only

corporate-sponsored devices to enabling,

while governing, the employee choice and

use of many mobile devices. This requires

technology to manage the mobile devices,

employee training, a published set of usage

guidelines, and employee buy-in thatcorporate will be managing certain aspects

of their mobile device.

Security is critical

Mobility presents several security and risk

management challenges IT must

overcome to deliver a high-quality

customer experience:

Device overload a mix of ever-

changing form factors, operating

systems, and security features, along

with dierent update and life cycles.

App threats often uploaded and

downloaded without sucient

security vetting.

Network threats insecure networks

com bined with a lack of mobile network

visibility can leave the corporate

network vulnerable.

Data threats mobile can also expose the

nancial services system to sensitive data


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leakage, particularly if the device is lost or the

employee leaves.

User threats non-compliance with

acceptable use and security policies.

A comprehensive approach helps

ensure security and consistency

Mobility presents fnancial services IT

professionals with a platform that can drive

innovation and competitive advantage. It

can also bring challenges in the areas of

security and risk management. Fortunately, a

comprehensive mobility framework addresses

three core problem areas:

The mobile workplace

Mobile device management

Mobile process integration

HP Enterprise Mobility Services can help

identify applications and services that can be

mobilized within your organization. We workwith you to deliver secure, seamless, context-

aware experiences in a connected world. We

also ensure anywhere at any time access

to business and personal applications and

information through a suite of end-to-end

mobile services that span the mobility lifecycle

including planning, applications design,

development, testing, systems integrationand management.

Learn more

Watch the videoto fnd out how HP solutions

can help you harness the power of technology

so you can deliver mobile service experiences

that continue to build trust with

your customers.

Roger Carpenter

Chief Architect, Mobile Cards & Payments

HP Enterprise Business Financial Industry Services
http://h20621.www2.hp.com/video-gallery/us/en/sss/1485581254001/r/video/http://h20621.www2.hp.com/video-gallery/us/en/sss/1485581254001/r/video/http://h20621.www2.hp.com/video-gallery/us/en/sss/1485581254001/r/video/


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HP EnterpriseMobility Services Framework

Connectivity

Device

Data Ap

ps

OS

MobilityFramework

Managem

ent

Protectio

n

Platform

Prosumer

Governance Compliance Risk

MoC

Mobile Data GRC - MoC

Mobility Apps PlatformMobility Device Management Unifed Communication

Mobility Protection

Mobile Applications

Infrastructure management

Mobile Device management

App virtualization

Desktop virtualization

Mobile apps native, web

Voice transformation

Virtual workplace

Unied messaging

Network protection

Cloud protection

Mobile data protection

Mobile access protection

Performance engineering

App transformation

Mobile app management Windows 7 / 8 migration

Enterprise Connectivity

Network transformation

Voice over Wi-Fi

Fixed mobile convergence

Cloud services integration

Collaboration

Search / Information

Document management

Social collaboration

Mobile process enablement

Education services (UC)

Education services (mobility)

Mobility policies (BYOD)

Storage consulting

Mobile data transfer

Enterprise data sharing

Analytics (B)


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Moving up thevalue chain withmobile walletsThere is a turf war underway in

the mobile payment space. Newentrants, including Google, Apple,

and mobile service providers, are

hard at work displacing banks as

the primary provider of payment

services in the virtual world. The

payment container that resides

on the consumers mobile deviceis often referred to as a mobile

wallet. And analysts estimate that

as many as 200 dierent wallets

will be in the marketplace soon.

Mobile wallets can play a strategic role

Although a lot of current focus is on the

payment, its important to remember that

these services are low-margin table stakes.

Strategically, mobile wallets can go further

in providing an access point for banks.

For example, they provide an opportunity

to oer higher-value services that help

maintain customer loyalty and trust in your

nancial institution and provide new revenue

opportunities as well.

In particular, banks can leverage mobile

wallets with existing IT investments to

inuence purchase decisions. This opens

the door for a Groupon type model, where

the entity that aids in creating the sale for a

merchant is rewarded for their eorts with

a percentage of the sale. This percentage isas much as 25 times higher than is currently

awarded for simply processing the payment.

Banks have many other new technical

options for creating demand and moving

cash transactions to mobile, including

location-based couponing and Near Field

Communications (NFC) for merchant

payments. Prepaid cards are one of thefastest growing and largest nancial services

markets, and these types of payments are also

moving to mobile. But it is the investment in

IT infrastructure that provides the important

foundation for these new services.


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Cloud computing, security

and analytics

HP leadership in cloud computing, data

security and analytics can help you create

sustainable value that can be delivered via a

mobile wallet on your customers device.

Cloud computing HP has created a Web-

based secure payment service that can be

called by any mobile application to process

a payment. The payment service utilizes a

tokenization routine that removes sensitive

information from the phone and associated

applications and replaces it with a substitute

number, a token.

Security This is the most critical success

factor for implementing mobile wallets as

access points for high-value nancial services.

To build trust, HP can help you manage data as

directed by the consumer and protect that data

from unauthorized access.

Data analytics HP can help you nd

the sweet spot between discounting and

protability when making oers to mobile

customers. High-speed, ecient data analytics

combined with structured and unstructured

data mining tools help you collect and manage

large amounts of data.

Learn more

Learn howHP can partner with you to align

your mobile applications with your business

strategy and goals and deliver the capabilities

you need with our Enterprise Mobile

Application Services.

Ed Herman

Senior Director, Mobile Cards & Payments

HP Enterprise Business Financial Industry Services
http://www8.hp.com/us/en/business-services/it-services.html?compURI=1079001http://www8.hp.com/us/en/business-services/it-services.html?compURI=1079001


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customers. Mobility also oers several new

engagement opportunities to get closer to

customers, provide them with added value,

and continue to rebuild trust in their ability to

help them.

For example, many banks have developed

loyalty programs and shopping assistance

where customers can choose to receive

oers, incentives, and coupons from specic

merchants. This is often combined with services

such as location-based mobile technology

applications, where a coupon can be sent to

the customer as they approach a merchant

all at the customers choice and discretion.

Services such as this provide value and trust for

the customer and additional engagement and

transactions with their banks. Meanwhile, banks

gain greater levels of customer understanding

and servicing.

New analytic services and capabilities now

allow banks to tailor and target new oers to

specic customer segments. Using customer

intelligence, banks can essentially innovate

on the customers behalf to save them

money, save them time, and deliver every

transaction securely.

Perceived security

concerns debunkedGenerally, the biggest customer objection to

mobile payments adoption is the perceived

notion of a lack of security. The truth is, mobile

payment technology has many safeguards and

even holds some advantages for the customer.

For example, control is always with the

customer, as their payment device is on their

phone. When making a payment at a merchant,

the device never leaves the customers hand.

Passwords and authentication are a critical

component of every application, and access

can be disabled immediately if lost or stolen.

HP Enterprise Mobility Services has

tremendous capacity and intellectual property

to help you select the right approach,

methodology, and implementation plan for

your mobility strategy. Our solutions are

integrated, map to your aspirations and goals,

and t within your risk prole. We also help you

meet compliance requirements and perform

time-consuming testing on your behalf, using

proven methodologies and technologies.

Learn more

Watch this videoto learn more about how HP

can help you extend your legacy applications

to support mobile devices, and help you delivera consistent user experience from the branch

to the app.

Ross Feldman

Chief Technology Ocer Banking, Insurance

HP Enterprise Services
http://www.youtube.com/watch?v=DDfXXDaMFl4http://www.youtube.com/watch?v=DDfXXDaMFl4


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Discover yournext mobileopportunity


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Leverage your customer interactions

and end-user experiences through

mobile applications. The HP Mobile

Application Workshop provides

you with a structured process

to analyze and select the right

applications, processes, and ideas

for transformation into

mobile applications.

A proven processThe workshop provides a:

Methodology to evaluate existing processes,

applications, and new ideas for mobile

application development

Mobile analysis and report of

evaluated applications

Quadrant chart ranking of applications

evaluated based on business value, mobile

readiness, and ease of implementation

Prioritized mobile application development

map to begin your mobilization journey

We dont assume one size ts all

The value of nancial services delivery via

mobile applications depends on mobile

application readiness, business value, and

ease of implementation. You may choose to

fully adopt the mobile way of life; partially

support mobility for certain segments of

customers, employees, and partners; or

provide only basic mobility services. This

workshop helps you decide on the right

approach for your business.

Are you ready to mobilize?

There is a world of opportunity now available

to grow your market share, create new

revenue streams, and build customer intimacy

fueled by mobility and connectivity. But are

you ready?

Do you know the existing applications you

should mobilize?

Are your systems exible and ecient

enough to handle new mobile applications?

Will these services be secure enough to

protect business data?

Have you brainstormed new ways to reach

new audiences and drive new revenue?

What is the business value of mobilizing

your existing applications, processes, or

new ideas?

Are you able to implement mobile

applications easily and eciently?

The HP Mobile Opportunity Workshop helps

you nd the answer to all of these questions.

Learn more

To learn more, please read the HP Mobile

Opportunity Workshop Service Brief.

Ed Bufone

Mobile Application Consultant

HP Mobile Application Services
http://h20195.www2.hp.com/V2/GetPDF.aspx/4AA4-0650ENW.pdfhttp://h20195.www2.hp.com/V2/GetPDF.aspx/4AA4-0650ENW.pdfhttp://h20195.www2.hp.com/V2/GetPDF.aspx/4AA4-0650ENW.pdfhttp://h20195.www2.hp.com/V2/GetPDF.aspx/4AA4-0650ENW.pdf


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Mobilizethe future


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Mobilitychallengesin banking


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As nancial services industries

across the globe seek to enable

mobility, the IT departments

within those enterprises are facingsome signicant challenges. A

smart mobilization strategy must

consider cost containment, security,

performance, device diversity, and

speed to market.

Cost containmentFor the past two decades, over 90 percent of

enterprise business applications have been

accessed by employees running corporate

standard Windows desktop images. Today

however, the popularity of tablets and smart

phones, and the expectation of mobility is

changing that paradigm.

For the IT organizationthis can spell trouble!

IT is now faced with the challenge of containing

the cost of developing, testing and supporting

enterprise applications across a diverse range

of devices, operating systems, and

browser combinations.

Security

Security is often ranked as the number-onechallenge for enterprise mobility and with

good reason. Have you considered what

happens if the device is lost or stolen? Can

the device be used to gain access to sensitive

enterprise information? Does the device

store passwords or account numbers without

encryption? How do you develop secure mobile

enterprise applications?

Performance

The quality of the user experience is greatly

impacted by the end-to-end performance of

the mobile application. These applications

transcend multiple layers of technology

and network segments to deliver enterprise

information when and where needed.

Performance must be validated on real

devices, in real locations around the globe, andacross real carrier networks.

Device diversity

The rapid integration of mobile technology

into peoples lives is forcing organizations

to support a very diverse range of preferred

devices including iPhones, iPads, Windows,

Android and Blackberry devices. These devicesuse a variety of mobile browsers including

Chrome, Safari, Silk, IE, and Firefox. The

challenge for IT is to deliver applications to

these devices while still being able to contain

the cost of development, testing and

ongoing management.

Speed to market

The race is on to deliver new applications and

services that increase competitive advantage

through mobility. The challenge however, is

to balance speed of release across a range of

devices with the quality experience todays

tech savvy users expect.


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A four-step

implementation process

HP has helped many nancial services clients

create powerful mobile banking solutions. We

follow a four-step process to help you grow

market share, connect with customers and

create new revenue streams.

Step 1 Plan

Discover enterprise priorities

Assess and align todays capabilities with

tomorrows needs

Step 2 Build

Design a great user experience

Implement a hybrid solution to contain costs

or a native solution to maximize

user experience

Test with real devices, real locations and realcarrier networks

Step 3 Integrate

Support mobile applications by integrating

them within a mobile architecture.

Step 4 Run

Deploy, operate, and rene your

mobile environment

Comprehensive services from HP

HP Enterprise Mobile Application Services are

designed to support you every step of the way:

Assess the environment: Mobile Enterprise

Strategic Assessment

Discover the opportunity: Mobile

Opportunity Workshop

Design the architecture: Mobile Enterprise

Solution Architecture Consulting

Develop the solution: Mobile

Application Development

Test the environment: Mobile

Application Testing

Globalize your mobile solution: Mobile

Application Content Globalization

Open the App Store: HP Enterprise AppStore

Learn more

We know that a well-designed mobile

environment can be a catalyst for business

growth. When you team up with HP winning is

the name of the game.

The mobile way of life becomes acompetitive advantage, not a threat

You discover new insights from customers,

suppliers and employees

You reach new customers and

increase revenue

You have a secure, mobile solution that is

agile, responsive, and adaptable

Learn moreabout the challenges facing the

banking industry and how HP solutions can

help you build trust with your customers.


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Think beyond

the deviceThe survival of your company is in your

hands literally. Mobility opens endless

opportunities for nancial services companies.

It is a powerful tool you can use to transform

business as usual into a connected experience

that builds customer intimacy, empowers

employees, and grows market share.

Delivering secure, seamless, context-aware

mobile banking experiences in a connected

world is a game winning strategy you cant

ignore. To capture the full potential of the

mobile market you have to think beyond

the device to include integration, analytics,security, and the cloud.

Think cloud

Mobile applications accessing cloud-enabled

services are rapidly becoming the new norm in

modern enterprise applications development

projects. They let you provide new, rich, scalable

and cost-eective nancial services without

heavy upfront infrastructure investment.

Think integration

Enterprise mobile applications traverse

multiple layers of systems and technology to

deliver business functions to mobile workers.

Integration within the mobile architecture is

key to enabling mobile apps.

Think analytics

Context-aware applications use business

analytics to understand customer proles,

preference, sentiment, location, and history to

create a positive experience. They provide you

with the ability to oer customized nancial

services that can generate new revenue

streams and higher prots than from

simple transactions.

Think security

Security is often identied as the number-

one challenge to enterprise mobility. Wemust build security in mobile applications

and devices to prevent unwanted access to

enterprise information.

Learn more

Watch this videoto learn how you can develop

a comprehensive enterprise mobile strategy

to address the massive changes driven by a

rapidly changing mobile world.

Paul Ashwood

Global Product Marketing Manager

http://www.youtube.com/watch?v=tEorxsoKS20http://www.youtube.com/watch?v=tEorxsoKS20


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Authenticationand consumercloud identity

managementRepeatedly, customer surveys on mobile payment and mobile bankingreturn similar ndings consumers are concerned about security.

Similarly, banks have the same concern, as they control less and less of

the devices used to access accounts. The secure tools to authenticate

customers are limited. Most phones dont come with a triple DES-

certied PIN pad.


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Todays industry standard links the consumer

to the payment instrument and the payment

instrument to the phone. This approach is

similar to what is used for home banking:

provide the consumer with challenge

questions and if the response passes, place

some cookie/token within the application that

can be checked later.

But unlike home computers, mobile phones

are mobile. They can be easily picked up by

someone else, and if possession is all it takes,

unauthorized payments can be made. Or

perhaps in the future, the phone doesnt even

have to be in the criminals possession for

software to clone or spoof a particular phone.

On the positive side, mobile phones have the

ability to do much greater authentication than

a PC four factors to be exact:

Something you have: The phone

Something you know: Your password

Something you are: A biometric prole (voice,

ngerprint, retina, etc.)

Somewhere you are: A check that ensures

that the phone is in the location requesting

the authorization

But there has to be some balance, since a

physical location purchase does not have the

same luxury of time as does an ecommerce

transaction. Your order on Amazon can wait

while you run for coee, go to work, watch your

show, etc. In a store, however, throughput at

the cash register is the name of the game. No

one wants to wait while a consumer enters a

PIN, recites keywords, or scans their retina.

Inevitably, consumers will dictate how they

want to be authenticated, and that may dier

for the type of transaction performed. Checking

for the phones presence is ne for a stop at a

petrol station, but a biometric check may be

desired for a big-ticket item purchased in an

area far from home.

Mobile banking applications must take

into account this potential change in the

transaction. Perhaps the authentication is

completed prior to approaching the cash

register, and then the checkout will return to

a simple tap and go. Responding to these

changes requires agile and adaptive banking

and payment applications as well as a variety

of tools to perform the authentication and

security function.

Jim Eads

Account Executive



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The mobile impactOnce seen as a leading-edge innovation, mobility is quickly becoming

a table-stakes requirement for any competitive enterprise. Customers,

employees and partners now demand and deserve the convenience

and always/anywhere service that only enterprise-class mobility can

provide. Organizations can realize substantial benets from enterprise

mobility. From enhanced productivity and strengthened customer

relationships to reduced risk, greater insights, and accelerated growthand revenue opportunities, the upside of mobility is clear.

Yet to realize the potential of the extended

enterprise, organizations must address both

the strategic and tactical requirements of

business mobility including the unique

challenges of enabling mobility within the

enterprise. Secure, seamless, context-aware

mobile solutions are literally the killer apps

driving todays most successful organizations.

By addressing the unique demands of an on-

the-go app portfolio, organizations can realize

the full potential of true enterprise mobility.

Embracing the mobility chaos

Mobility is remaking the enterprise landscape,

and is delivering unprecedented opportunitiesas well as signicant new challenges. A

recent Forrester survey1 of more than 4,900

information workers found that executives

were driving mobility uptake. Ninety percent

of executives use mobile devices while moving

between work, home, and travel, while 35

percent of employees work primarily on oce-

based desktops. The survey also found that

organizations continue to be concerned about

security and the integration of new devices.

To fully realize the promise of mobility,

enterprises are re-evaluating how technology

is used and embedded in their organizations.Forward-looking enterprises will design

new processes and methods to meet new

customer and constituent demands. They

will build more exible systems to meet

changing requirements. And they will interact

with customers and stakeholders in more

convenient, more personal and more

ecient ways.

This approach leverages behind-the-scenes

technology to integrate and automate the

value chain, to manage risk, and to accelerate

innovation. It streamlines service delivery to

customers, employees, partners, and citizens.

And it drives the new mobility enterprise,

giving employees freedom and exibility while

1Forre ster, State of the Workforce Technology Ad option, 2011


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compressing timeframes and strengthening

customer relationships.

Enabling enterprise mobility

The HP approach to enabling enterprise

mobility is ideal for organizations across all

industries that wish to reach their constituents

across multiple networks and devices. We

accomplish this by delivering applications,

content, and services in a scalable, secure,

and reliable way. This approach leverages our

global applications services capabilities to

provide the architecture, systems engineering,

development, and support services our clients

need. In this way we can help an organization

simplify its applications, extend them where

necessary, and build mobile business-

to-business, business-to-consumer, and

business-to-employee applications.

This approach also leverages the well-dened

and mature, HP service-oriented architecture

(SOA). HP SOA is supported by development

and security frameworks that create building

blocks from monolithic legacy applications.

These are used to develop and deploy mobile

applications that are designed with the future

in mind. Our methodology goes beyond cool

devices and ashy user interfaces; it is a

thorough and comprehensive look at how

mobile applications are developed, deployed,

managed, and governed in mid-sized and

large enterprises.

Learn moreRead the HP Viewpoint paper Enabling

Enterprise Mobilityto nd out how you

can transform your enterprise for a mobile

computing environment.

Charlie Sarjeant

Mobile Application Consultant


Enabling Enterprise Mobility - HPs point of view

Step 1Review, establish & refine

foundational policies

Strategy Privacy Security End user

Mobilearchitecture

Manageddevices

Step 3Establish the architecture to

support enterprise-class

mobile applicationsMobile enterprise architecture platform

Mobile UE/AD/testing

Cloud

App Store

Mobile appdeployment

Collaboration

Thin client Container Native

Infrastructure: Servers Storage Network Software Info

Step 2Define the collaboration

infrastructure for the

organization

Email SMS Blog

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Enableenterprisemobility


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Topline revenuegrowth opportunityfor BCI


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Banco Credito Inversiones of Chile (BCI) wanted to create an innovative,

context-aware mobile application that would drive increased usage by their

credit card holders. And they knew that a compelling user experience was

critical to success.Location awareness supports

new services

BCI had an idea that using the Global

Positioning System (GPS) functionality on their

customers mobile devices might provide an

opportunity to deliver higher-value services to

them. Knowing the customers location would

let the bank send discount oers to local

businesses like retail stores and restaurants

in close proximity to the customers current

location. If retailers made more oers, a

percentage of card holders would accept and

make additional charges to their cards.

Designing the user experience

Together, BCI and HP collaborated on a

wireframe design as proof of concept for

the Benecios mobile app. Next, HP built

the app using native features of the mobile

devices to drag and drop selected categories

to the preference screen, and then nd the

nearest matching oers using the phones

GPS location. BCI customers can then share

the benets and oers they receive with their

family and friends on Facebook and Twitter.

Launching the app

In the rst four months of operation, theBCI Benecios mobile app was downloaded

to more than 10,000 iPhones and Android

devices. BCI customers are enjoying the

benets of discount oers sent directly to

their mobile devices, while the bank is

anticipating revenue growth from increased

card activity. Local businesses are also happy

as they look forward to increased sales from

their promotions through the Benecios

mobile channel.

Learn more

To learn more about the mobile app

development capabilities that HP can bring

to your own banking services, please visit

HP Enterprise Mobile Applications

Services online.

Alejandro Montenegro

Strategic Account Leader

http://www8.hp.com/us/en/business-services/it-services.html?compURI=1079001http://www8.hp.com/us/en/business-services/it-services.html?compURI=1079001http://www8.hp.com/us/en/business-services/it-services.html?compURI=1079001http://www8.hp.com/us/en/business-services/it-services.html?compURI=1079001


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Immersive userexperiences withHP Labs


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A compelling user experience is

often the most important factor in

the adoption of new mobile apps.

The nancial services industry in

particular must deliver a consistent,

high-quality experience to their

customers across all touch points

mobile, online, and at the branch

oce. In this way they will maintain

the trust that is essential to retaining

loyal customers.

Creating the future

HP Labs is the exploratory and advanced

research group of Hewlett-Packard.

For mobile and immersive experiences,

we design compelling user experiences

that fundamentally change how people

communicate, collaborate, socialize,and entertain.

At HP Labs, we see a future in which human

interaction with technology becomes

completely intuitive, wherever you are. To

get there, were radically simplifying the

user experience by focusing on seamless

collaboration, across devices. And by making

computer and human interactions intuitiveand simplewherever you arethe adoption

of information technology will be far more

pervasive than it is today.

From wireframe to deployment

People are looking for fast, context-aware

methods of interfacing with technology. They

expect technology to be easy to use, reliable,

and personalized to transparently enablemobile and immersive experiences. And

nothing will drive the continued growth and

applicability of technology more than the point

of human interface.

Thats why our HP mobile apps development

teams tap into the expertise of HP labs to help

design compelling wireframes for your nancial

services application before a line of code iswritten. We believe the user experience should

drive the technology.

Learn more

To learn more about HP Labs and the role

they play in creating compelling mobile user

experiences for your nancial services, visit the

HP Mobile and Immersive Experience lab

web site.

Roger Carpenter

Chief Architect & Technologist Cards and Payments

Services, Financial Service Industry, HP
http://www.hpl.hp.com/research/mobile_immersive_experience.htmlhttp://www.hpl.hp.com/research/mobile_immersive_experience.htmlhttp://www.hpl.hp.com/research/mobile_immersive_experience.htmlhttp://www.hpl.hp.com/research/mobile_immersive_experience.html


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Developing cross-platform mobilebanking appsEnterprises are increasingly using

mobile devices as a channel tointeract with their customers,

suppliers and employees. However,

as more and more smartphones

become available, the question

of which devices and operating

systems to target presents a

challenge for nancial services.

Developing for afragmented market

The mobile and tablet device market is very

fragmented, as illustrated below.

Organizations need to support multiple mobile

platforms to ensure they reach their desired

market. However, the development costs and

time associated with developing multiple

applications supported by multiple mobileplatforms are proving to be a challenge for

many organizations.

Typically challenges faced by a nancial

services enterprise include:

Fragmentation of devices, operating

systems, display size, connectivity, etc.

Frequent upgrades to operating systems

Secure access to corporate apps

Data security threats

Dierent user experience in dierent devices

Development and testing of applications on

multiple devices and platforms

Frameworks for cross-platform development

The key objective in using the framework is to

create applications that would be available on

a majority of the mobile platforms with less

cost. This can be accomplished by using a new

Blackberry

iOS

Sep 11 Nov 11 Jan 12 Mar 12 May 120%

12%24%36%48%60%

Symbian

Android

Other

JavaME


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generation of cross platform development

frameworks. This enables you to write once

and run anywhere. HP has rich experience in

the development of cross platform applications

for various customers.

Learn more

To learn more about the challenges of cross-

platform development and how HP can help,

watch this Cross Platform Development video.Andrew Mitchell

HP Americas Mobile Technology Consultant
http://www.youtube.com/watch?v=SRtH-xBAnRUhttp://www.youtube.com/watch?v=SRtH-xBAnRU


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Contain the cost

of mobile testingTodays technology-savvy

users and consumers have high

expectations when it comes to thequality of their service experience.

They expect immediate, anytime,anywhere access to applications

and information on their preferred

devices. These devices support the

intersection of their personal and

professional lives as enterprises

across the globe deal with the

policies and challenges of Bring

Your Own Device (BYOD).Test automation helps manage

fragmented platforms

No one can really say with any certainty what

their addressable market is in terms of mobile

platforms, device form factors or

operating systems.

That makes it hard for you to ensure a

consistent user experience and meet essential

banking requirements including security. With

such a diverse range of devices in the market,

manually testing the service experience

on each and every device is a daunting

task and one that benets greatly from

test automation.

Real devices, real locations,real carrier networks

HP has developed an automated test script

that can test an application or service on many

devices. Our solution accesses real devices, in

real locations, across real carrier networks in

the cloud, so you can rest easy knowing that

your applications will deliver a high quality

service experience.

Learn more

To learn more about HP test mobile apps,

watch this video on HP Testing for Mobilityor

read HP Testing for Mobility At-a-Glance.

Paul Ashwood


HP Mobile Testing Services
http://www.youtube.com/watch?v=ulLZWmGDMqUhttp://h20195.www2.hp.com/V2/GetDocument.aspx?docname=4AA3-7727ENW&cc=us&lc=enhttp://h20195.www2.hp.com/V2/GetDocument.aspx?docname=4AA3-7727ENW&cc=us&lc=enhttp://www.youtube.com/watch?v=ulLZWmGDMqU


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Take it to the vault -the enterprise app storeBanking has come a long way since Congress

chartered the rst Bank of the United States

back in 1791. For many years, people had to

go to the bank and conduct business in person

with a bank teller. Then in 1946 (yes, it was

that long ago) the Exchange National Bank

of Chicago created the drive-in bank where

customers could deposit their money and

receive their withdrawals from the comfort of

their automobiles.

Today, the mobile channel allows banks to

deliver interactive, consistent, and trusted

user experiences to their employees and

customers, whenever they want from

wherever they may be. Instant banking

has arrived.

Providing mobile banking applications over

a wide range of devices creates customer

loyalty and, as such, is an essential element of

banking in the 21st century. The most ecient

and cost-eective way to mobilize banking

services and help ensure a consistent and

high-quality user experience is through an

app store.

Enterprise app store for banks

An enterprise app store lets the banks IT

department and mobile app developers create,

certify, distribute, and manage mobilized

versions of company applications for

employees and customers. The enterprise app

store provides access to an easy-to-use portal

where users can download apps from the bank

to their preferred device.

The HP Enterprise App Store solution provides

banks with the ability to:

Personalize employee access

Support multiple device types

Ensure easy browsing for the most useful or

latest app

Support multiple languages

Structure access for dierent employee job

types and grades as well as location and

other criteria

Provide app refresh, usage tracking and

end-of-life decommissioning for all

device types

Ensure apps perform properly across device

types and in varied usage scenarios

Paul Ashwood




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Take thenext step


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Enable enterprisemobility inyour bankWe hope youve found the information provided in this Banking on Mobility

eBrief useful for planning your own mobilized services. The many clientsthat HP works with in the nancial services industry are already seeing great

results from their mobile initiatives including new revenue streams, greater

customer loyalty and more cost-ecient operations.


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Mobile strategies:

a broad spectrum

The most important thing weve learned

from our banking clients is the need to take

a strategic and comprehensive approach to

mobile applications. No matter the medium,

nancial services have stringent requirements

for security, eciency, compliance, and a

consistent user experience that helps maintain

trust with customers.

Thats why HP thinks beyond the device to

develop a full range of Mobility Services to

help you get started:

Mobile Enterprise Strategic Assessment

Services designed to help you develop

enterprise-level mobile strategies, plans and

solutions to drive added value.

Mobile Opportunity Workshop We help

discover the processes or ideas to developmobile applications based on their business

value, IT readiness and ease

of implementation.

Mobile Application Development HP

provides cross-platform and native-

environment development services spanning

all major operating systems. We use leading

design-for-run, agile development methodsto deliver context-aware, secure and reliable

mobile applications.

Mobile Application Testing Using real

devices across real carrier networks, HP

ensures your mobile applications work across

multiple platforms, and that the desired user

experience and security is achieved.

Enterprise Mobility Services for SAP

Let HP help introduce mobility for the SAP

applications supporting critical business

transactions that run your company.

Enterprise Mobile App Store and Gateway

The HP solution for the easy download

of mobilized versions of company

applications and a fast, secure link between

those mobile applications and

enterprise information.

HP Mobile Workplace Services Extend

and manage enterprise desktop voice,email, applications, and data services to

mobile employees enabling users to access

corporate systems via smartphones, tablets,

and other mobile devices.

HP Enterprise Mobility Services for SAP

services ranging from strategic assessment

to the development, integration, testing

and management of mobile apps for your

enterprise SAP environment.

HP Mobile Workplace Services provides

mobile device management, security,

messaging, service desk, break and restore

and carrier management.

Visit us

To learn more about the mobile application

services provided by HP, please visit our

web page.

Paul Ashwood




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HP Mobile Application ServicesThe survival of your company is in your hands literally. The mobile world

opens endless opportunities for companies that recognize and use its power totransform business as usual into a connected experience that builds customer

intimacy, empowers employees, and grows market share. Its a game winning

strategy you cant ignore.

Think beyond the device.Mobility is more than just the device you hold in your hands its anunstoppable phenomenon fueled by the consumer that expands yourenterprise and plugs it into the planet.

300 millionpeople have broadband access

57%of corporate employees aroundthe world are mobile employees

8x Fastermobile web adoption growth ratecompared to the internet

130 millionpeople will be accessingthe mobile cloud by 2014

60%of the worlds populationhave a mobile phone

Billionsof devices are connected to the internet

A smart mobilization strategy must consider:

Increasedsecurityfor lost or stolendevices, passwordprotection,unauthorizedaccess

Cost containmentassociated withdeveloping, testing,supporting applicationsacross many devices,mobile operatingsystems, and browsers

Greaterperformanceto be validatedon real devices, inlocations aroundthe globe, acrosscarrier networks

Devicediversityand how itcomplicatesapplicationsupport and costcontainment

Speed tomarketas important,but not at theexpense ofquality


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Extend theEnterprise.Create secure, seamless, context-aware

experiences for a connected world.

HP Mobile Applications ServicesDesigned for anywhere, anytime access.

Now there are no boundaries

Resulta winning strategy for growing market share, connecting with your customers, and creating new

revenue streams.

Get your game on with HP

We know that a well-designed mobile environment can be a catalyst for business growth.

Assess the environmentMobile Enterprise Strategic Assessment

Discover the opportunityMobile Opportunity Workshop

Design the architectureMobile Enterprise Solution ArchitectureConsulting

Develop the solution

Mobile Application Designand Development

Test the environmentMobile Application Testing

Globalize your mobile solutionMobile Application Content Globalization

Deploy and manageMobile App Store and Mobile

App Management

Discover insightsYou discover newinsights from customers,suppliers and employees

Research newcustomersYou reach new customersand increase revenue

Secure and agileYou have a secure, mosolution that is agile,responsive, and adapt

Mobile lifeThe mobile way of lifebecomes a competitiveadvantage, not a threat

Plan

Discover enterprise mobile priorities Assess and align todays capabilities

with tomorrows needs

Build Design a great user experience

Implement a hybrid solution tocontain costs or a native solution tomaximize user experience

Test with real devices, real locations

and real carrier networks

Integrate Support mobile applications by

integrating them with a mobilearchitecture and a convergedinfrastructure.

Run Deploy, operate, and rene your

mobile environment


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Copyright 2012 Hewlett-Packard Development Company, L.P. The information contained herein is subject to change without notice.The only warranties for HP products and services are set forth in the express warranty statements accompanying such products andservices. Nothing herein should be construed as constituting an additional warranty. HP shall not be liable for technical or editorial errorsor omissions contained herein.

4AA4-2734ENW, Created July 2012
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