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BIAN Banking Industry Architecture NetworkJuly 1st 2020
Introduction to the BIAN Landscape
and some testimonials of BIAN implementations
A Warm Welcome to
YOU –Dialing in From all
around the globe!
2
A Warm
Welcome to
YOU –
Dialing in From
all around the
globe!
On Today’s Webinar
Hans TesselaarBIAN Executive Director
Antonio PlaisOwner and consultant at Centus Consultoria e Negócios, Brazil
Patrick DerdeBIAN Architect
• Biao HaoExecutive Architect & Technical Leader in Financial Services, IBM
Short intro in Portuguese /Curta introdução em português
Antonio Plais is owner and consultant at Centus Consultoria e Negócios, a Brazilian company focused on Enterprise Architecture and Decision Management services and tools. He's working in ICT, marketing and consultancy since 1974, with extensive experience in business strategy, knowledge management, information technology, enterprise architecture and product development. He's a TOGAF and ArchiMate certificated professional and trainer, with graduation in Business Administration and specialization in Marketing.
Introduction | Mission
To provide the world with the best banking inter-operability architecture. To be the banking technology standard.
Central objectives for IT in the banking industry are to lower the IT and operational costs of the bank and help banks mitigate the risks associated with technology innovation. To provide a trusted roadmap for constant innovation.
By collaborating and sharing in an open way, the best expertise across our global ecosystem of leading banks, technology providers, FinTech players, academics and consultants to define a revolutionary banking technology framework that standardizes and simplifies the overall banking architecture.
Introduction | BIAN & Financial Institutions
Introduction | BIAN & Partners
Introduction | BIAN & Academic, Standard Bodies and Training Partners
BIAN in a nutshell
Hans TesselaarBIAN Executive Director
Antonio PlaisOwner and consultant at Centus Consultoria e Negócios, Brazil
Patrick DerdeBIAN Architect
• Biao HaoExecutive Architect & Technical Leader in Financial Services, IBM
Agenda
• Challenges
• BIAN as an enabler
• BIAN Reference Architecture
• BIAN Open API
• BIAN Open Data
• BIAN Certification
10
Agenda
• Challenges
• BIAN as an enabler
• BIAN Reference Architecture
• BIAN Open API
• BIAN Open Data
• BIAN Certification
11
Digital Transformation Challenges
12
•Monolitic systems
•Stofe pipe systems
•Point connections
• Interface adaptors
Reduction of integration/interoperability costs
•Disclose financial information for TPP’s (Third Party Providers)
•Security and data protection (e.g. GDPR)
•Financial and Risk Reporting
Regulation for
•Fintechs, Cross Industry
•Open Banking Data
•Open banking API
•Business Service Sourcing Models
New Ecosystem, with Industry Integration
•Single Source of the truth
•Data Warehouses, Data Lakes, NoSQL, Real Time BI, Next best offer, context specific offers, risk patterns, ...
Information Driven
•Time to market
•Adaptability
Agility
13
Financial Institution’s DNA needs to become agile-proof
“Agile” ≠ “doing Scrum”
• Agility is a persistent behavior or ability of an entity that exhibits flexibility
to accommodate expected or unexpected changes rapidly, follows the shortest
time span, and uses economical, simple, and quality instruments in a dynamic
environment (Qumer & Henderson-Sellers, 2008)
• Main Areas of Agility ?
• System agility: agility in your operational systems and business processes
• Process agility: agility in your development and change processes
• Business agility: agility as a strategic focus, based on your process and system agility
14
Financial Institutions need Agile Architecture
Agile Architecture principles
15
Separation of concerns
Loose Coupling
Reusability
Encapsulation
Interoperability
Service Oriented
Simplicity and transparency
Agenda
• Challenges
• BIAN as an enabler
• BIAN Reference Architecture
• BIAN Open API
• BIAN Open Data
• BIAN Certification
16
Founded:
2008 by (amongst others): SAP, Microsoft, ING, IBM, Credit Suisse
Not for profit organization with over 70 members worldwide
Here BIAN comes in
BIAN is offering an Open Banking Reference Architecture Framework
Mission statement:To provide the world with the best banking architecture. To be the banking technology standard.
Central objectives for IT in the banking industry are to lower the IT and operational costs of the bank and help banks mitigate the risks associated with technology innovation. To provide a trusted roadmap for constant innovation. We create best practice architecture that the world’s banks can rely upon 100%. To gather the best minds in banking architecture for the world to share in an open way.
By collaborating and sharing in an open way, the best expertise across our global ecosystem of leading banks, technology providers, FinTech players, academics and consultants to define a revolutionary banking technology framework that standardizes and simplifies the overall banking architecture.
Agenda
• Challenges
• BIAN as an enabler
• BIAN Reference Architecture
• BIAN Open API
• BIAN Open Data
• BIAN Certification
19
2020
BIAN – Banking Industry Architecture Network - Framework
The Architecture (of a system): fundamental concepts or propertiesof a system in its environment, embodied by its components, their relations, and the principles governing its design and evolution
ISO/IEC/IEEE FDIS 42010:2011, evolved from IEEE Std 1471
Service Domainmechanics
Offe
red
Se
rvices
Co
nsu
med
Se
rvices
The BIAN Service Domain is a conceptual design
that defines a functional partition of banking
activity:
• a unique and discrete operational business
capability
• all interactions are through offered and
consumed services
• it fulfills its business role for the complete
lifecycle, for every occurrence
• can act as a stand-alone entity, can even be
externally sourced
BIAN fundamental componentsService Domain
BIAN Service Domain
22
BIAN Service Domain
23
BIAN
Semantic
API’s
BIAN Information
Architecture
Useful to support
• Microservices
• Open Data
• Open API’s
• Sourcing of
capabilities
• Service Orientation
• Encapsulation
• Separation of
Concern (MECE)
• Standardisation of
Services
• ...
Value Chain Layout – V8.0
Finance & Risk Management
Operations Products
Business Development
Customers Channels
Financial Control
Group Treasury
Credit Risk
Regulatiory ComplianceMarket Risk
Operational Risk
Solution Devel.
Marketing & Development
Product Management
Channel Management
Models & Analytics
Financial Statements
Financial Control
Financial Compliance
Enterprise Tax Admin
Approved Supplier Directory
Company Billing & PaymentsCorporate Treasury Analysis
Corporate Treasury
Asset Securitization
Bank Portfolio Analysis
Bank Portfolio Admin
Guideline Compliance
Regulatory Compliance
Compliance Reporting
Gap Analysis
Credit/Margin Management
Production Risk Models
Operational Risk Models
Economic Capital
Business Risk Models
Regulatory & Legal Authority
Regulatory Reporting
Credit Management
Limit & Exposure Mgmt
Position Management
Counterparty Risk
Fraud Resolution
Market Research
Customer Portfolio
Segment Direction
Market Analysis
Competitor AnalysisProduct Portfolio
Branch Portfolio
Channel Portfolio
Market Risk Models
Liquidity Risk Models
Systems Administration
IT Stds & Guidelines
Development Environment
System Development
Production Release
Fin Inst.Valuation Models
Contribution Analysis
Resource Management
Business Direction
IP & Knowledge
Unit Management
Business Unit Fin Analysis
Business Unit Financial Ops
Business Unit Accounting
Business Unit Direction
Business Unit Management
Buildings & Equipment
Site Operations
Site Administration
Equipment Administration
Equipment Maintenance
Utilities Administration
Building Maintenance
Procurement
Fixed Asset Register
Platform Operations
System Deployment
Systems Operations
Platform Operations
Systems Help Desk
Systems Assurance Internal Network Operation
Human Resources
Employee Assignment
Employee Data Mgmt
Empl/Contractor Contract
Employee Certification
Employee Evaluation
Empl Payroll & Incentives
Travel & Expenses
Employee Access
Employee Benefits
Workforce Training
Recruitment
Business Direction
Corporate Relations
Corporate Services
Organizational Direction
Property Portfolio
Internal Audit
Legal Compliance
Asset & Liability Mgmt
IT Systems Direction
HR Direction
Corporate Strategy
Corporate Policies
Product & Service Direction
Continuity Planning
Corporate Communications
Corp Alliance/Stakeholder
Corporate Relationship
Investor Relations
Security Advisory
Security Assurance
Credit Risk Models
Customer Behavior Models
Fraud Models
Business Architecture
Management Manual
Intellectual Property Port
Knowledge Exchange
Contribution Models Trading Models
Channel Activity Analysis
Financial Message Analysis
Central Cash Handling
Business Development
Brand Management
Advertising
Promotional Events
Prospect Campaign Mgmt
Prospect Campaign Design
Customer Campaign Mgmt
Customer Campaign Design
Customer Surveys
Case Root Cause Analysis
Sales Planning
Contact Center Management
Product Inventory Item Mgmt
Branch Network Mgmt
E-Branch Management
Advanced Voice Svs Mgmt
ATM Network Mgmt
Branch Currency Mgmt
Product Design
Product Deployment
Product Training
Product Quality Assurance
Information Provider Admin
Servicing Activity Analysis
Branch Location Mgmt
Quant Model
Market Data Switch Adm
Product Directory
External Agency
Commission AgreementSyndicate Management
Sub Custodian Agreement
Product Broker Agreement
Product Service Agency Contractor/Supplier Agmt
Corresp Bank Rel Mgmt
Interbank Relationship Mgmt
Custody, Collateral & Documents
Document Services
Archive Services
Custody Administration
Collateral Allocation Mgnt
Collateral Asset Admin
Collections
Account Recovery
Accounting Services
Financial Accounting
Customer Tax HandlingPosition Keeping
Accounts Receivable
Account Reconciliation
Fraud Evaluation
Reward Points Account
CommissionsCustomer Position
Clearing & Settlement (Payments)
Order Allocation
Settlement Obligation Mgmt.
Payments Execution
Transaction Engine
Correspondent Bank
Cheque Processing
Corresp.Bank Data Mgmt
Payment OrderCounterparty Administration
ACH Fulfillment
Card Financial Settlement
Card ClearingCard eCommerce Gateway
Corporate Banking
Corporate Trust Services
Credit Facility
Cash Mgmt & Account Svs
Cheque Lock Box
Factoring
Direct Debit Mandate
Direct Debit
Project Finance
Corporate Current Account
Trade BankingLetter of Credit
Bank Guarantee
Trade Finance
Bank Drafts & Trvl. Checks
Market Operations Market Trading
Stock Lending/Repos
Securities Fails Processing
Trade/Price Reporting Corporate Events
Financial Inst ValuationSecurities Dlvry & Rcpt Mgmt
Trade Confirmation Matching
Trading Book Oversight
Dealer Workbench
Market Making
Program Trading
Traded Position Mgmt
Market Order
Quote Management
Suitbility Checking
Credit Risk Operations
Market Order Execution
Advisory ServicesInvestment Products
Corporate Finance
M&A Advisory Corporate Tax Advisory
Public Offering
Private Placement
Mutual Fund Administration
Hedge Fund Administration
Unit Trust AdministrationECM/DCM
Consumer Advisory Services
Consumer Banking
Currency Exchange
Payment InitiationBrokered Product
Current Account
Sales Product
Trust Services
Service Product
Investment Svs
Investment Portfolio Planning
Investment Portfolio Analysis
Investment Portfolio Mgmt
eTrading Workbench
Consumer Investments
Party Reference
Party Data Management
Location Data Management
Custmer Ref Data Mgmt
Relationship Mgmt
Customer Relationship Mgmt
Cust Prod./Service Eligibility
Customer Agreement
Customer Event History
Customer Behavioral Insights
Customer Credit Rating
Sales Product Agreement
Customer Proposition
Sales
Cust Campaign Execution
Party Lifecycle Management
Product Matching
Customer Offer
Product Expert Sales Support
Lead/Opportunity Mgmt
Product Sales Support
Spec/Discount Pricing Conds
Prospect Campaign Exec
Distribution
Correspondence
Branch Currency Distribution
Product Inventory Distribution
Servicing
Servicing Issue
Contact Center Operations
Point of Service
Interactive Help
Servicing Event History
Informtn. Providers
Information Provider Ops
Market Information Mgmt
Financial Market Analysis
Financial Market Research
Market Data Switch Ops
Financial Instr Ref Data Mgmt
Public Reference Data Mgmt
Cross Channel
Channel Activity History
Customer Profile
Contact Routing
Contact Dialogue
Party Authentication
Transaction Authorization
Customer Access Entitlement
Contact Handler
Customer Workbench
Channel Specific
Financial Gateway
Branch Location Operations
E-Branch Operations
Advanced Voice Svs Ops
ATM Network Operations
Card Terminal Operation
Card Terminal Admin.
CardsCredit/Charge Card
Card Authorization
Card Capture
Merchant Relations
Card Billing & Payments
Merchant Acquiring
Card Network Participant
Loans & Deposits
Deposit Account
Loan
Leasing
Syndicated Loan
Leasing Item Administration
Underwriting
Corporate Loan
Corporate Lease
Consumer Loan
Merchandising Loan
Fiduciary Agreement Savings Account
Mortgage Loan
Corporate Deposits
Operational Services
Issued Device AdminOpen Item Management
Disbursement Rwd Points Awards & Red.
Customer Billing
Issued Device Tracking
Product Combination
Card Transaction Switch
Delinquent Account Handling
Card Collections
Fraud Decisioning
Customer Orders
Customer Case Mgmt
Customer Case
Card Case
Servicing Order
Servicing Mandate
Investment Account
Securities Position Keeping
BIAN Service Landscape
Useful to support
• Business Planning/Information
System Strategy
• Manage Change
• Create heatmaps
• Scope change
• Project to Goal alignment
• Vendor selection
• Business Service Orientation
• Encapsulation
• Separation of Concern (MECE)
• Standardisation of Services
• ...
BIAN Business Scenario
25
1. Internal Credit Transfer
Useful to support
• Quick Start for Business Process Definition
• Inspire on service connectivity
• Service clustering , depence, coherence
• ...
PaymentOrder
DirectDebit
Contact Dialog
PaymentExecution
PaymentInitiation
Agenda
• Challenges
• BIAN as an enabler
• BIAN Reference Architecture
• BIAN Open API
• BIAN Open Data
• BIAN Certification
26
143 Pre-Build API’s
16 API’s with Full ISO Mapping
>3000 Microservices Endpoints
>4000 Unique Data Components
Portal is Free to Members and Non-Members
Swagger and Microservice Source Code Included
Open Source Contribution Model
Register today at https://portal.bian.org
BIAN – API’s - https://portal.bian.org/landing
Useful to support
• Start with Open Banking Semantic API’s
realised by supplier specific API’s
• Quick start BIAN swagger
• ...
Agenda
• Challenges
• BIAN as an enabler
• BIAN Reference Architecture
• BIAN Open API
• BIAN Open Data
• BIAN Certification
28
29
Business Object Model Pattern:
IFX FIX
XBRLFpML
Other Finance
Standards
BIAN Business Object Model
BIAN IN THE CONTEXT OF OTHER STANDARDS
IFX = IFX: Financial electronic
communications Protocol. In a
nutshell: initiated to support
realtime information exchange
between banks, largely used in
the US.
FIX = Financial Information Exchange
XBRL = eXtensive Business Reporting
Language (Based on XML)
FpML = Financial Products
Markup Language (Based on
XML)
ISO20022
Service Domain Business Object ModelDiagrams
31
Agenda
• Challenges
• BIAN as an enabler
• BIAN Reference Architecture
• BIAN Open API
• BIAN Open Data
• BIAN Certification
32
BIAN Architect Certification!
33
https://www.vhls.global/van-haren-
certification/bian-the-banking-architecture-
certification/
Take away
• Refer to BIAN as a reference for
• Using/Creating Common Language
• scoping of functional components of a change project
• Staying focussed on functional and non functional requirements
• Of the components
• Of the interactions between the components
• Use BIAN as a mechanism for application portfolio optimisation
• Use BIAN as a quick start for understanding complex systems
• Preparatory research work (quickly understand business)
• Process Modelling
• Data Modelling
• Banking API’s
34
Open Banking Architecture - Testimonial
Hans TesselaarBIAN Executive Director
Antonio PlaisOwner and consultant at Centus Consultoria e Negócios, Brazil
Patrick DerdeBIAN Architect
• Biao HaoExecutive Architect & Technical Leader in Financial Services, IBM
Open Banking Reference Architecture
Data & AI
External API Gateway
Core Applications and Systems of Record
Product Payment
Account Customer
I nternal API Gateway
Customer Deposit Credit Card
Business Services
Customer Reference
Data
Customer Position
Servicing Mandate
Product Directory
CreditCard
Position Keeping
Savings Account
Current Account
Product
Open Banking API s & Services
Developer Portal Sandbox
Authentication
Consent Management
TPP Management
Metrics / Reporting / AuditATM
TPP ApplicationsChannel Applications
DevOps
Security
Governance
Common
Capabilities
UX Design
Cloud
Infrastructure
Data Cache
Branch
Regulatory
Bodies
Identity
Registries
Outside of
the Bank
Open
Banking
Directories
Payment
Networks
Business
Partners
IBM Global Solution Center, Dallas / © 2020 IBM Corporation 36
Open Banking APIs – Products and Accounts
37IBM Global Solution Center, Dallas / © 2020 IBM Corporation
Cache Layer
Current Account
Savings Account
Credit / Charge
Card
Product Directory
Customer Product /
Service Eligibility
Customer Position
Accounts
SoR
DepositSoR
CustomerSoR
Product
SoR
Credit Card
Position Keeping
Open Banking APIs• Orchestrate multiple Business Services• Transform to target messages• Expose target endpoints
Business Services• Based on BIAN service domains• Microservices implementation• Cache for performance (CQRS)
Systems of Record (SoRs)
Business Scenarios or Apps• Bank plays the TPP role for customers• Innovative use cases
Account Aggregation
Product Comparison
Products
Third Party Provider (TPP)
Servicing Mandate
Account Monitoring
Account Porting
Account Aggregation – Better Customer Insights
38IBM Global Solution Center, Dallas / © 2020 IBM Corporation
Customer Behavior Models
Customer Behavioral
Insights
Customer Position
Customer Offer
Account Aggregation
Customer Product /
Service Eligibility
Retrieve customer position
Account Aggregation Service & API• Customer position aggregated from multiple
financial institutions• Used by channel applications
BIAN Based Business Services• Customer Position maintains …• Customer insights from analytical models• Offers to customer
Account Access to other banks• Account Access to multiple banks• Using FinTech offering to simply the
integration
Account AccessBank N
Account AccessBank 1
Account AccessBank 2
Account Aggregation Service by FinTech
Customer Position
Consent
Customer Event
History
BIAN Based APIs and Microservices
39
Microservices ModelsBIAN SDs + Physical
Generate &deploy
Container Environment
(OpenShift)
Service Models
Microservices First (A2A)
API Design ModelsBIAN SDs + Message
Swagger Models API Developer Portal
Generate & publish APIs
API First (B2B/B2C & A2A)
BIAN Service Domains
UML Models forBIAN Service Domains
UML Models forConceptual (BOM)
Industry ModelsISO 20022
Roll Your Own
1
2
UML Models forMessages
UML Models forPhysical Models
Control Record
Behavior Qualifier
Behavior Qualifier
Behavior Qualifier
Sub Qualifier Sub Qualifier Sub Qualifier
IBM Global Solution Center, Dallas / © 2020 IBM Corporation
65
43
BIAN and Domain Driven Design (DDD)
40IBM Global Solution Center, Dallas / © 2020 IBM Corporation
BIAN Service Landscape – Matrix vs. Value Chain Layout
41IBM Global Solution Center, Dallas / © 2020 IBM Corporation
Draft Value Chain Layout – V8.0Finance & Risk Management
Operations Products
Business Development
Customers Channels
Financial Control
Group Treasury
Credit Risk
Regulatiory Compliance
Market Risk
Operational Risk
Solution Devel.
Marketing & Development
Product Management
Channel Management
Models & Analytics
Financial Statements
Financial Control
F inancial Compliance
Enterprise Tax Admin
Approved Supplier Directory
Company Billing & PaymentsCorporate T reasury Analysis
Corporate T reasury
Asset Securitization
Bank Portfolio Analysis
Bank Portfolio Admin
Guideline Compliance
Regulatory Compliance
Compliance Reporting
Gap Analysis
Credit/Margin Management
Production Risk Models
Operational Risk Models
Economic Capital
Business Risk Models
Regulatory & Legal Authority
Regulatory ReportingCredit Management
Limit & Exposure Mgmt
Position ManagementCounterparty Risk
Fraud Resolution
Market Research
Customer Portfolio
Segment Direction
Market Analysis
Competitor AnalysisProduct Portfolio
Branch Portfolio
Channel Portfolio
Market Risk Models
Liquidity Risk Models
Systems Administration
IT Stds & Guidelines
Development Environment
System Development
Production Release
Fin Inst.Valuation Models
Contribution Analysis
Resource Management
Business Direction
IP & Knowledge
Unit Management
Business Unit F in Analysis
Business Unit F inancial Ops
Business Unit Accounting
Business Unit Direction
Business Unit Management
Buildings & Equipment
Site Operations
Site Administration
Equipment Administration
Equipment Maintenance
Utilities Administration
Building Maintenance
Procurement
Fixed Asset Register
Platform Operations
System Deployment
Systems Operations
Platform Operations
Systems Help Desk
Systems Assurance Internal Network Operation
Human Resources
Employee Assignment
Employee Data Mgmt
Empl/Contractor Contract
Employee Certification
Employee Evaluation
Empl Payroll & Incentives
Travel & Expenses
Employee Access
Employee Benefits
Workforce T raining
Recruitment
Business Direction
Corporate Relations
Corporate Services
Organizational Direction
Property Portfolio
Internal Audit
Legal Compliance
Asset & Liability Mgmt
IT Systems Direction
HR Direction
Corporate Strategy
Corporate Policies
Product & Service DirectionContinuity Planning
Corporate Communications
Corp Alliance/Stakeholder
Corporate Relationship
Investor Relations
Security Advisory
Security Assurance
Credit Risk Models
Customer Behavior Models
Fraud Models
Business Architecture
Management Manual
Intellectual Property Port
Knowledge Exchange
Contribution Models Trading Models
Channel Activity Analysis
Financial Message Analysis
Central Cash Handling
Business Development
Brand Management
Advertising
Promotional Events
Prospect Campaign Mgmt
Prospect Campaign Design
Customer Campaign Mgmt
Customer Campaign Design
Customer Surveys
Case Root Cause AnalysisSales Planning
Contact Center Management
Product Inventory Item Mgmt
Branch Network Mgmt
E-Branch Management
Advanced Voice Svs Mgmt
AT M Network Mgmt
Branch Currency Mgmt
Product Design
Product Deployment
Product T raining
Product Quality Assurance
Information Provider Admin
Servicing Activity Analysis
Branch Location Mgmt
Quant Model
Market Data Switch Adm
Product Directory
External Agency
Commission AgreementSyndicate Management
Sub Custodian Agreement
Product Broker Agreement
Product Service Agency Contractor/Supplier Agmt
Corresp Bank Rel Mgmt
Interbank Relationship Mgmt
Custody, Collateral & Documents
Document Services
Archive Services
Custody Administration
Collateral Allocation Mgnt
Collateral Asset Admin
Collections
Account Recovery
Accounting Services
Financial Accounting
Customer Tax HandlingPosition Keeping
Accounts Receivable
Account Reconciliation
Fraud Evaluation
Reward Points Account
CommissionsCustomer Position
Clearing & Settlement (Payments)
Order Allocation
Settlement Obligation Mgmt.
Payments Execution
Transaction Engine
Correspondent Bank
Cheque Processing
Corresp.Bank Data Mgmt
Payment OrderCounterparty Administration
ACH Fulfillment
Card F inancial Settlement
Card ClearingCard eCommerce Gateway
Corporate Banking
Corporate T rust Services
Credit Facility
Cash Mgmt & Account Svs
Cheque Lock Box
Factoring
Direct Debit Mandate
Direct Debit
Project F inance
Corporate Current Account
Trade BankingLetter of Credit
Bank Guarantee
Trade Finance
Bank Drafts & Trvl. Checks
Market Operations Market Trading
Stock Lending/Repos
Securities Fails Processing
Trade/Price Reporting Corporate Events
Financial Inst ValuationSecurities Dlvry & Rcpt Mgmt
Trade Confirmation Matching
Trading Book Oversight
Dealer Workbench
Market Making
Program Trading
Traded Position Mgmt
Market Order
Quote Management
Suitbility Checking
Credit Risk Operations
Market Order Execution
Advisory ServicesInvestment Products
Corporate F inance
M&A Advisory Corporate Tax Advisory
Public Offering
Private Placement
Mutual Fund Administration
Hedge Fund Administration
Unit T rust AdministrationECM/DCM
Consumer Advisory Services
Consumer Banking
Currency Exchange
Payment InitiationBrokered Product
Current Account
Sales Product
Trust Services
Service Product
Investment Svs
Investment Portfolio Planning
Investment Portfolio Analysis
Investment Portfolio Mgmt
eTrading Workbench
Consumer Investments
Party ReferenceParty Data Management
Location Data Management
Custmer Ref Data Mgmt
Relationship MgmtCustomer Relationship Mgmt
Cust Prod./Service Eligibility
Customer Agreement
Customer Event History
Customer Behavioral Insights
Customer Credit Rating
Sales Product Agreement
Customer Proposition
SalesCust Campaign Execution
Party Lifecycle Management
Product Matching
Customer Offer
Product Expert Sales Support
Lead/Opportunity Mgmt
Product Sales Support
Spec/Discount Pricing Conds
Prospect Campaign Exec
Distribution
Correspondence
Branch Currency Distribution
Product Inventory Distribution
Servicing
Servicing Issue
Contact Center Operations
Point of Service
Interactive Help
Servicing Event History
Informtn. Providers
Information Provider Ops
Market Information Mgmt
Financial Market Analysis
Financial Market Research
Market Data Switch Ops
Financial Instr Ref Data Mgmt
Public Reference Data Mgmt
Cross Channel
Channel Activity History
Customer Profile
Contact Routing
Contact Dialogue
Party Authentication
Transaction Authorization
Customer Access Entitlement
Contact Handler
Customer Workbench
Channel Specific
Financial Gateway
Branch Location Operations
E-Branch Operations
Advanced Voice Svs Ops
AT M Network Operations
Card Terminal Operation
Card Terminal Admin.
CardsCredit/Charge Card
Card Authorization
Card Capture
Merchant Relations
Card Billing & Payments
Merchant Acquiring
Card Network Participant
Loans & Deposits
Deposit Account
Loan
Leasing
Syndicated Loan
Leasing Item Administration
Underwriting
Corporate Loan
Corporate Lease
Consumer Loan
Merchandising Loan
Fiduciary Agreement Savings Account
Mortgage Loan
Corporate Deposits
Operational Services
Issued Device AdminOpen Item Management
Disbursement Rwd Points Awards & Red.
Customer Billing
Issued Device Tracking
Product Combination
Card T ransaction Switch
Delinquent Account Handling
Card Collections
Fraud Decisioning
Customer Orders
Customer Case Mgmt
Customer Case
Card Case
Servicing Order
Servicing Mandate
Investment Account
Securities Position Keeping
Business SupportRisk & ComplianceOperations & Execution
Product Specific fulfillment
Non IT and HR Enterprise Services
Business Analysis
Bank Portfolio & Treasury
Regulations & Compliance
Models
IT Management
Trade BankingLetter of Credit
Bank Guarantee
Trade Finance
Corporate Financing & Advisory Services
Corporate F inance
M&A Advisory
Corporate Tax Advisory
Public Offering
Private Placement
Investment Management
Investment Portfolio Planning
Investment Portfolio Analysis
Investment Portfolio Mgmt
Investment Account
Consumer Services
Currency Exchange
Payment Initiation
Corporate T rust Services
Brokered Product
Bank Drafts & Trvl. Checks
Consumer Investments
CardsCredit/Charge Card
Card Authorization
Card Capture
Merchant Relations
Card Billing & Payments
Business Command & Control
Business Unit F inancial Analysis
Business Unit F inancial Ops
Business Unit Accounting
Organizational Direction
Business Unit Direction
Business Unit Management
Finance Financial Statements
Financial Control
F inancial Compliance
Enterprise Tax Administration
Buildings, Equipment and Facilities
Property Portfolio
Site Operations
Site Administration
Equipment Administration
Equipment Maintenance
Utilities Administration
Building Maintenance
Internal Audit
Procurement
Fixed Asset Register
Legal Compliance
Approved Supplier Directory
Company Billing & Payments
Market Research
Customer Portfolio
Segment Direction
Market Analysis
Competitor Analysis
Product Portfolio
Branch Portfolio
Channel Portfolio
Stock Lending/Repos
Corporate T reasury Analysis
Corporate T reasury
Asset Securitization
Asset & Liability Management
Bank Portfolio Analysis
Bank Portfolio Administration
Guideline Compliance
Regulatory Compliance
Compliance Reporting
Market Risk Models
Gap Analysis
Credit Risk Models
Customer Behavior Models
Credit/Margin Management
Production Risk Models
Operational Risk Models
Fraud Models
Liquidity Risk Models
Economic Capital
Business Risk Models
Systems Administration
IT Systems Direction
IT Stds & Guidelines
Development Environment
System Development
Production Release
System Deployment
Systems Operations
Platform Operations
Systems Help Desk
Systems Assurance
Internal Network Operation
Human Resource Management
Business Direction
Knowledge & IP Management
Corporate Relations
Document Mgmt & Archive
HR Direction
Employee Assignment
Employee Data Management
Employee/Contractor Contract
Employee Certification
Employee Evaluation
Employee Payroll & Incentives
Travel & Expenses
Employee Access
Employee Benefits
Workforce T raining
Recruitment
Corporate Strategy
Corporate Policies
Product & Service Direction
Business Architecture
Continuity Planning
Management Manual
Intellectual Property Portfolio
Knowledge Exchange
Corporate Communications
Corporate Alliance/Stakeholder
Corporate Relationship
Regulatory & Legal Authority
Investor Relations
Document Services
Archive Services
Correspondence
Security Advisory
Security Assurance
Financial Inst.Valuation Models
Regulatory Reporting
Financial Accounting
Contribution Analysis
Contribution Models
Loans & Deposits
Current Account
Deposit Account
Loan
Leasing
Credit Facility
Cash Mgmt & Account Svs
Cheque Lock Box
Factoring
Direct Debit Mandate
Direct Debit
Syndicated Loan
Credit Management
Limit & Exposure Management
Project F inance
Market OperationsMutual Fund Administration
Hedge Fund Administration
Unit T rust Administration
Order Allocation
Settlement Obligation Mgmt.
Securities Fails Processing
Trade/Price Reporting
Custody Administration
Corporate Events
Financial Instrument Valuation
Securities Dlvry & Receipt Mgmt
Trade Confirmation Matching
Customer Tax Handling
Wholesale Trading Trading Book Oversight
Dealer Workbench
Market Making
ECM/DCM
Program Trading
Traded Position Management
Market Order
Quote Management
Suitbility Checking
Credit Risk Operations
Market Order Execution
Trading Models
Fraud Resolution
Corporate Current Account
Corporate Loan
Corporate Lease
Consumer Loan
Merchandising Loan
Fiduciary Agreement
Savings Account
Mortgage Loan
Consumer Advisory Services
Trust Services
Service Product
Sales & Service
Marketing
Servicing
Customer Mgmt
Sales
Channel Specific
Business Development
Brand Management
Advertising
Promotional Events
Prospect Campaign Mgmt
Prospect Campaign Design
Customer Campaign Mgmt
Customer Campaign Design
Customer Surveys
Servicing Issue
Customer Case Management
Case Root Cause Analysis
Customer Case
Card Case
Customer Relationship Mgmt
Prospect Campaign Execution
Customer Campaign Execution
Party Lifecycle Management
Commission Agreement
Commissions
Product Matching
Sales Planning
Customer Offer
Underwriting
Product Expert Sales Support
Contact Center Management
Branch Currency Distribution
Product Inventory Item Mgmt
Product Inventory Distribution
Branch Network Mgmt
E-Branch Management
Advanced Voice Services Mgmt
AT M Network Management
Contact Center Operations
Branch Location Operations
E-Branch Operations
Advanced Voice Services Ops
AT M Network Operations
Branch Currency Management
Cross Channel
Point of Service
Servicing Activity Analysis
Contact Routing
Contact Dialogue
Interactive Help
Servicing Event History
Servicing Order
Party Authentication
Transaction Authorization
Payment Order
Branch Location Management
Sales Product
Customer Prod./Service Eligibility
Lead/Opportunity Management
Product Sales Support
Customer Agreement
Customer Access Entitlement
Customer Event History
Customer Behavioral Insights
Customer Credit Rating
Account Recovery
Sales Product Agreement
Contact Handler
Customer Workbench
Reference Data
Product Management
Market Data
Party
External Agency
Product Design
Product Deployment
Product T raining
Product Quality Assurance
Discount Pricing
Information Provider Admin
Party Data Management
Customer Profile
Syndicate Management
Correspondent Bank Data Mgmt
Sub Custodian Agreement
Product Broker Agreement
Product Service Agency
Contractor/Supplier Agreement
Correspondent Bank Rel Mgmt
Information Provider Operation
Market Information Mgmt
Financial Market Analysis
Financial Market Research
Quant Model
Market Data Switch Adm
Market Data Switch Ops
Financial Instr Ref Data Mgmt
Public Reference Data Mgmt
Counterparty Administration
Location Data Management
Interbank Relationship Mgmt
Product Directory
Special Pricing Conditions
Custmer Reference Data Mgmt
Customer Proposition
Card Terminal
Card Terminal Operation
Merchant Acquiring
Card Network Participant
Corporate Deposits
Servicing Mandate
eT rading Workbench
Cross Product Operations
PaymentsPayments Execution
Collateral Admin.Collateral Allocation Mgnt
Collateral Asset Administration
Collections
Account Management Operational Services
Transaction Engine
Position Keeping
Position Management
Accounts Receivable
Account Reconciliation
Fraud Evaluation
Reward Points Account
Issued Device Admin
Counterparty Risk
Open Item Management
Disbursement
Channel Activity Analysis
Rewards Points Awards & Red.
Customer Billing
Leasing Item Administration
Issued Device TrackingFinancial Message Analysis
Financial Gateway
Correspondent Bank
Cheque Processing
Central Cash Handling
Channel Activity History
Product Combination
Customer Position
ACH Fulfillment
Card eCommerce
Card T ransaction Switch
Card Clearing
Card F inancial Settlement
Delinquent Account Handling
Card Collections
Fraud Decisioning
Securities Position Keeping
BIAN Service Landscape V8.0
Business Areas Business Domains
Service DomainsMatrix layout Value Chain layout
BIAN Value Chain Landscape and Scopes of APIs
43
Custome
r
CustomersOperations
Finance & Risk Management
ChannelsResource
Management
Business
Direction
Products
Business Development 3rd Party
Provider
A2AB2C
B2B B2B2C
The BIAN Service Landscape V8.0
Business Areas:• Operations – cross-product operations
• Products – synergistic product / service combinations
• Customers – integrating customer insights & preferences
• Channels - governing access – both at the contact & servicing mandate / relationship levels
IBM Global Solution Center, Dallas / © 2020 IBM Corporation
Channels – External Access Control
44
Customer Workbench
E-Branch Operations
Contact Handler
Point of Service
Customer Prod/SvsEligibility
Contact Routing
Execute
Provide
Initiate
Initiate
Record
PartyAuthenti-
cation
IssuedDeviceAdmin.
Issued Device
TrackingEvaluate Retrieve Retrieve
Retrieve
Channel Activity History
Customer Event
History
Servicing Event
History
Channel Activity Analysis
Customer Behavior Models
Retrieve
CaptureCapture
Retrieve
Contact Dialogue
Current Account
TransactionAuthori-zation
Execute
Initiate
Execute
Capture
Servicing Order
Servicing Mandate
Broker Agreement
Customer Agreement
Fraud
Evaluation
Fraud
Diagnosis
Fraud
Resolution
Fraud
Insights
Fraud
Models
Initiate
Request
Request
Retrievet
Evaluate
Initiate InitiateInitiate
Retrieve RetrieveRetrieve
Capture Capture Capture
Customer Reference Data Mgmt
Customer Access
EntitlementRetrieve
Retrieve
Customer Profile
Retrieve
Key real-time “orchestrators” for the contact
Channels
IBM Global Solution Center, Dallas / © 2020 IBM Corporation
Customers – Positions and Insights
45
Reward Points
Investment Portfolio
Management CustodyAdmin.
Financial Advisory Services
Customer Profile
Customer Access
Entitlement
Party Life-cycle
Management
Party Data ManagementCollateral
Asset Admin.
Broker Agreement
Customer Reference
Data Mgmt.
Customer Position
Customer Event
History
Customer Behavior Models
CollateralAllocation
Management
Customer Credit Rating
Customer Insights
Consolidated financial
position (cash flows,
collateral, credit)
Historical analysis
Servicing Mandate
Customer Agreement
Customer Relationship Management
Customer Prod/Service
Eligibility
Life-time relationship
development history
and plan
Product/service
usage – current and
desired
Bank and 3rd Party
contracts and
mandates
Relationship history
and maintained and
developed insights
Customer
holdings
Customers
IBM Global Solution Center, Dallas / © 2020 IBM Corporation
Monolithic to Vertically Integrated
Value Chain Decoupling and Integration – New Business Models
46IBM Global Solution Center, Dallas / © 2020 IBM Corporation
Operations Products API APICustomers Channels
Operations Products API APICustomers Channels
Bank
3rd Party
DistributionProduction
DistributionProductionDe
-co
up
led
Fle
xib
le M
od
el
BIAN – Membership
Hans TesselaarBIAN Executive Director
Antonio PlaisOwner and consultant at Centus Consultoria e Negócios, Brazil
Patrick DerdeBIAN Architect
• Biao HaoExecutive Architect & Technical Leader in Financial Services, IBM
Freemium
BIAN’s Internal Wiki and Official Homepage
48 Copyright BIAN 2020 | Banking Industry Architecture Network
2020 - Planned BIAN Open Webinars
49
Webinar explaining PoC on Coreless
Banking
July 14th 4pm – 5pm (CEST)
10am – 11am (EDT)Webinar on BIAN API Usage at a
US Bank
July 28th 4pm – 5pm (CEST)
10am – 11am (EDT)
Member driven organization
• Fees (annual membership)
• Software / Tech vendors / Integrators
(250 employees or more)
• EUR 30.000,-
• Banks / FI’s that are not vendors
• EUR 20.000,-
• Software / Tech vendors / Integrators
(less than 250 employees)
• EUR 10.000,-
• Federal Banks / Central Banks
• EUR 10.000,-
• Software / Tech vendors / Integrators
(less than 50 employees)
• EUR 5.000,-
• Academic Partners
• EUR 0,-
51
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