© 2010 Saga d.o.o. Beograd May 2010 eBanking 2. © 2010 Saga d.o.o. Beograd May 2010 THE DRIVERS… What are 10 key business issues in financial services?

© 2010 Saga d.o.o. Beograd • May 2010

eBanking2eBanking2


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.


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


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 ...


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?


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


Online banking is outBanking online is in


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


Financial Mashup portal

NEW !!MashUp Portal - WidgetsNEW !!MashUp Portal - Widgets

Public API

services

YouTube

service

Bank’sMarketing API

CRM API

eBanking

widgets


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


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


Financial Mashup portal

MashUp Portal - WidgetsMashUp Portal - Widgets

Public API

services

Videoservice

Bank’sMarketing API

CRM API

eBanking

widgets


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


WebKit browser compatibleWebKit browser compatible


„Touch“ Supported ...„Touch“ Supported ...


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

Documents

© 2010 Saga d.o.o. Beograd May 2010 eBanking 2. © 2010 Saga d.o.o. Beograd May 2010 THE DRIVERS… What are 10 key business issues in financial services?