© 2010 Saga d.o.o. Beograd • May 2010
eBanking2eBanking2
© 2010 Saga d.o.o. Beograd • May 2010
THE DRIVERS…
What are 10 key business issues in financial services?
1.Regulators will require financial services firms to concentrate on transparency and risk management.2.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.3.Lending Activity will continue to recover and increase.4.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. 5.Globalization and emerging markets will represent growth opportunities.6.Traditional fee sources will end / change.7.Wealth management will remain strategic, but with some shifts.8.Prioritizing Investments will remain critical as hard times hinder innovation.9.Security will remain a primary consumer concern.10.Non bank banking ecosystems will begin to develop.
© 2010 Saga d.o.o. Beograd • May 2010
THE 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 systems•Continued Efficiency improvements in infrastructure
© 2010 Saga d.o.o. Beograd • May 2010
What are leading trends in interactive banking?
•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
THE TRENDS ...
© 2010 Saga d.o.o. Beograd • May 2010
TRENDS IN INTERACTIVE BANKINGImproved online; Personalized Portals •Should allow client personalization, customization, and aggregation•What does your online banking offering offer? Does it look like this?
© 2010 Saga d.o.o. Beograd • May 2010
What architectures are needed to support the new trends?
•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?
THE ENABLERS
© 2010 Saga d.o.o. Beograd • May 2010
Online banking is outBanking online is in
© 2010 Saga d.o.o. Beograd • May 2010
„Old Systems“ – Hierarchical windows, waiting time„Old Systems“ – Hierarchical windows, waiting time
© 2010 Saga d.o.o. Beograd • May 2010
Financial Mashup portal
NEW !!MashUp Portal - WidgetsNEW !!MashUp Portal - Widgets
Public API
services
YouTube
service
Bank’sMarketing API
CRM API
eBanking
widgets
© 2010 Saga d.o.o. Beograd • May 2010
Business Mashup*Business Mashup*
eBanking2
BackendDataServices ODATA
ExistingEnterpriseServices SOA
P
PublicInternetMashup APIs
RSS/AtomFeeds
ImagesSoundsVideos
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
© 2010 Saga d.o.o. Beograd • May 2010
Financial Portal ArchitectureFinancial Portal Architecture
Core banking
Portal engine
Analytics SOA Banking services
eBanking suite
Financial Mashup portalWidgets
eBanking Re-usable generic SaaS
Public API
services
Administration
Personal
finance
SOA CRM
Ebanking
services
Notification
Mailbox
... Monitoring
SCOM
© 2010 Saga d.o.o. Beograd • May 2010
Financial Mashup portal
MashUp Portal - WidgetsMashUp Portal - Widgets
Public API
services
Videoservice
Bank’sMarketing API
CRM API
eBanking
widgets
© 2010 Saga d.o.o. Beograd • May 2010
Saga eBanking2Saga eBanking2
- Widget-based
- Asynchronous
- Concurrent
- Inter-Communication
- Fully Open for Integration: system wide and widget wide
- Internet, mobile, contact center, IVR, SMS, e-Mail
© 2010 Saga d.o.o. Beograd • May 2010
WebKit browser compatibleWebKit browser compatible
© 2010 Saga d.o.o. Beograd • May 2010
„Touch“ Supported ...„Touch“ Supported ...
© 2010 Saga d.o.o. Beograd • May 2010
Product RoadmapProduct Roadmap
v 2.0MailboxPFMID cardWidgetsaBankingWAPAnalyticsMonitoring
Multi-BrowserOn-Behalf
v 2.1WYSIWYG Portale-LoadPFM: BudgetingaBanking: SMSExternal CRMSaaS
v 2.2
CAPTCHA
e-Payment
aBanking: PFM
PFM: Notification
Infographics
Mailbox: SMS
Web-app
v 2.1
MailboxCFMID cardsAnalyticsMonitoringWidgets
v 2.2
E-paymentaBankingApproval WFAccount auditSaaSSAML
v 2.0
Multi-BrowserSupport Standard CARol based Admin.
RetailCRM internal
Campaign manag.
Direct Debit
PFM: Advisor
Mailbox: Workflow
Corporate data
HOV portfolio managed
Direct DebitCompany user admin.
Social media for SME
Retail dataDMS
v 3.0
CorporateE-commerce
WebOS
E-Invoice
Account opening
Global liquidity
Community managerAPG-
Adaptive Process
Guidance
v 3.1
1.10.’11 1.4.’12 1.5.’13 1.5.’141.4.’11
1.1.’12 1.9.’121.7.’11