CORE BANKING2008PARTNER GUIDE

elcome to the Core Banking Partner Guide 2008.As the topic of core banking becomes more central to the legacy technologyrenewal plans of banks, the question arises: ‘What exactly is core banking?’

To many banks, the concept of core banking remains fixed to the traditional‘relationship anchor’ of the current or cheque account. However, the widespreadexistence of processing silos for other products, such as lending and cards, suggests thatfor many banks there may be more than one core banking system.

The analyst community typically defines core banking as a combination of systems forcustomer information, deposits, lending and associated financial ledgers.

On the other hand the press – in particular the International Banking Systems journalwith its well-known sales league table – has a much broader definition, based on theproducts available in the market. This covers the whole range of processingrequirements, from traditional retail and lending over private banking to specialistwholesale banking systems.

We at Microsoft have a vision of a future world where monolithic core bankingsystems will be replaced, or at least drastically reduced in size, by a collection of bankingenterprise services. We recognise that this means most back-office systems can be viewedas relevant when it comes to considering a core system migration.

This guide then, gives you, the reader, an opportunity to read what some of theleading ISVs have to say about core system migration, and provides a sample of keyMicrosoft partners with offerings ranging from the universal banking system toindividual and narrowly-focused services.

It also gives me an opportunity to share with you my personal perspective on thecurrent state of play in the market, and to outline Microsoft’s strategy for this importantarea of focus.

Koen Van den BrandeWorldwide Industry Manager, Core BankingMicrosoft

INTRODUCTION

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FOREWORD

© 2008 Microsoft Corporation. All rightsreserved. Microsoft, Active Directory, BizTalk,InfoPath, Microsoft Dynamics, Outlook,SharePoint, SQL Server, Visual Studio, Windowsand Windows Server are either registeredtrademarks or trademarks of Microsoft in the USand/or other countries. The names of actualcompanies and products mentioned herein maybe the trademarks of their respective owners.

Views expressed in this publication are notnecessarily those of Microsoft or Tudor Rose.Acceptance of company listings does not implyofficial endorsement of the products or servicesconcerned. While every care has been taken toensure accuracy of content, no responsibility canbe taken for any errors and/or omissions. Readersshould take appropriate professional advicebefore acting on any issue raised herein.

The Core Banking Partner Guide 2008 was produced for Microsoft by Tudor Rose:+44 (0) 116 222 99 00; www.tudor-rose.co.uk

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FEATURE

At your service 4Banking services and service-oriented architecture are increasingly the strategyof choice for banks and vendors as they migrate core systems away frommainframe and midrange platforms. Koen Van den Brande looks at howMicrosoft and its partners can support banks’ business objectives

COMMENTARY

Banking on change 8How a service-oriented approach helps banks to cope with change

Modelled for success 10Approaches to core system replacement have evolved

Growth through innovation 11How Capitec Bank achieved a paperless, cost-efficient core system

Winds of change 12In a changing market, institutions need to adapt or be left behind

Orchestrating banking process 13Service-oriented architecture has transformed core banking

Taking account 14To get the most from SOA, pay attention to the back office

Opening doors 15Open architecture is a must in an intensely competitive industry

Delivering a difference 16How Microsoft provides a firm foundation for service-oriented architecture

Legacy code: blessing or curse? 17The role of legacy and new programming teams in migrating to .NET

DIRECTORY

Companies A-Z 18The directory lists core banking solution providers alphabetically and providesinformation on the solutions offered, contact details and a company profile. Itis divided into three sections: Core banking; Core banking services; and Corebanking migration tools, to help you select the most appropriate partner

CONTENTS

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INTRODUCTION

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packaged core banking systems was the IBM mid-range platform (variously known as AS/400, iSeriesand now Series i), which was a welcome alternativeto the mainframe and eventually rivalled it inperformance terms, did not require a purpose-builtcomputer facility, and was very easy to operate. Todate, based on the numbers tracked byInternational Banking Systems in its annual salesleague table, the worldwide installed base ofinternational banking packages from vendors suchas Misys is still well in excess of 1,000 banks. Butin its recent results, announced on 16 October2007, IBM acknowledged that: “Revenues from theSystem i servers decreased 21 per cent,” and thisdecline has been visible for a number of quartersnow.

The Misys core banking applications – Midasand Equation – are a good example of thechallenges faced by some of the legacy corebanking packages. Once upon a time they were themost widely installed systems in the world, servinghundreds of medium-sized banks and branches oflarge international banks. The origin of both ofthese systems goes back more than 30 years to1974 when, at Bretton Woods, the world decidedto abandon the gold standard and floatingexchange rates came into being. Born of the needto serve the international branches of large globalbanks that served corporate customers in majorfinancial centres with foreign exchangetransactions, these systems gradually grew intowhat became known as ‘universal bankingsystems’. They offered a single, integrated bankingsystem, capable of meeting requirements incorporate, retail and private banking, much in thesame way that SAP introduced enterprise resourceplanning systems with ever-expanding breadth offunctionality to the world.

These universal banking systems were originallyintroduced in international branches andsubsequently – as international banks expandedinto emerging markets – into larger domesticbanks. In many ways, they set new standards forparameterised product definition, a single view ofthe customer relationship, and enterprise-widereal-time monitoring of credit limits – all benefits

derived from their essentially highly-integrateddesign. Many larger banks with more complex andless well-integrated environments still aspire tothese capabilities.

And yet, change seems inevitable for users ofthese systems. Misys recently announced its newBankFusion platform, which is not based on eitherMidas or Equation, but on the acquisition of a newsystem developed by a group that originally brokeaway from the Misys team that looks afterBankmaster – another widely installed universalbanking package, on a different technologyplatform. Misys is positioning BankFusion as aJ2EE layer above its legacy packages and seeking togradually migrate functionality toward this layer,using the principles of SOA – that is, focusing onone banking service at a time.

Other leading vendors of legacy packages arefacing similar challenges and implementing similarstrategies. Fiserv announced a migration path toLinux for its international core banking system(ICBS), and has invested heavily in its Aperio .NET-

AT YOURSERVICE

evin Lomax, the erstwhile chairmanof Misys – one of the largestindependent software vendors (ISVs)

focusing on the financial services industry –was once quoted as having said: “Changing acore banking system is like replacing theengine of a Boeing aircraft mid-flight.” Theimplication was that Misys at the time feltrather secure with its large installed base.

Is it surprising, then, that while theindustry has been talking about legacymodernisation and predicting growth in thenumbers of banks replacing their legacycore banking systems for some time, manyof the banks concerned have beenhesitating, aware of the significant cost andrisks of disruption to business that areinvolved with such an undertaking.

Industry trendsAn analysis of trends in this market byInternational Banking Systems – the industryjournal which tracks the market mostclosely – shows considerable growth in thenumber of what it calls ‘new name’ core

banking system sales worldwide. However,very few of these are as yet associated withthe larger domestic operations of westernEuropean or US banks.

For these banks, the solutions offered bytraditional banking package vendors areoften considered unsuitable. They tend tofocus on breadth of integrated functionality,whereas the core system legacy migrationstrategies of larger banks are increasinglybased on a service-oriented architecture(SOA) approach and require highly focused‘banking services’ with great functionaldepth. A study carried out by Forresteramong some 50 European banks suggests arelationship between growing evidence ofplans to tackle the legacy core bankingsystem problem and the adoption of SOAstrategies.

Universal banking packagesEven for smaller banks or those that haveimplemented a packaged core bankingapplication in the past, change is in the air.The platform of choice in the early days of

BANKING SERVICES AND SOA ARE INCREASINGLY THE STRATEGY OFCHOICE AS BANKS AND VENDORS MIGRATE CORE SYSTEMS FROMMAINFRAME AND MIDRANGE PLATFORMS, SAYS KOEN VAN DEN BRANDE

Core Banking Partner Guide 2008

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FEATURE

This is where companies that provide an easymigration path off the IBM iSeries platform cometo the fore. For example, the migration path toLinux proposed for Fiserv’s ICBS is based onconversion technology from PKS, which has arules-based conversion engine that will translateRPG into another language, which can in turn becompiled on the target platform. The PKS enginecan of course also be targeted at the Microsoftplatform. As an alternative, BluePhoenix’s recentlyacquired ASNA offers the route of Visual RPG,which enables experienced RPG programmers tobenefit from the .NET development environmentwithout initially having to abandon the RPG code.Another example is the Lansa-based Windowsversion of Fidelity’s specialist commercial lendingapplication, ACBS.

Microsoft’s vision for core bankingMicrosoft has a vision of a new generation ofbanking platforms, architected on service-orientedprinciples in a multi-channel context, and bringingtogether a collection of reusable banking servicescoordinated by means of a business processorchestration.

Just as the community of vendors with legacypackages on the IBM iSeries platform is workingtoward a gradual migration strategy for theirexisting user base, so more banks are now startingto consider a gradual migration path away fromthe IBM mainframe. The typical approach consistsof the same mix of three complementary strategies– surrounding legacy systems with a multi-channel architecture that has strong process andworkflow capabilities; externalising specificbanking services such as CRM, payments,origination, document management and others,and ultimately migrating the remaining legacysystem code to a different platform.

Microsoft is increasingly the target platform forsuch strategies, given the renewed business focuson being people-ready, the total cost of ownershipand agility benefits associated with the industry’sleading development environment, and the lowercost of commodity hardware. This is illustrated bya growing number of impressive legacy migration

case studies ranging from SOA-based multi-channel projects such as the one at CBA inAustralia, to externalising banking services as in thepayments infrastructure project at Banco Santanderin Spain, to legacy migration, as at ScarboroughBuilding Society in the UK.

A study conducted by the MassachusettsInstitute of Technology suggests that architecturalmaturity leads to a shift in the balance between theproportion of IT solutions being classified asinfrastructure and applications – based ontechnologies such as portals, workflow or rulesengines. In line with this, Microsoft has invested inrecent years in what could be described as‘horizontal’ capabilities such as CRM, documentmanagement and payments messaging. These formthe basis of vertical specialised solutions built bypartners such as Galeforce, with its financialservices CRM offering.

There is also a growing Microsoft ecosystem ofsmaller ISVs that provide highly focused bankingservices, with good examples being NetEconomyfor anti-money laundering – now part of the Fiservgroup; Clear2Pay for payments, and Finarch foraccounting and Basel II reporting.

Microsoft’s core banking strategy willincreasingly be focused on working together closelywith its partner ecosystem toward an industryconsensus on the banking enterprise serviceswhich banks expect to implement as part of theirSOA strategies, by ensuring partners describe theirofferings in terms of services; are able to deliverindividual services; adopt industry standards forintegration of services, and ultimately support thedynamic orchestration of services in support ofbanks’ business objectives of increased agility,improved time to market and optimisedoperational efficiency.

Kevin Lomax, having left Misys, was recentlyreported by IBS as being on the stand of Sentenialat Sibos, promoting his latest new investment.Perhaps not surprisingly, the company focuses on asingle banking service – direct debits.

Koen Van den Brande is responsible worldwide forMicrosoft’s core banking strategy

based front end. Temenos acquired Actis withits PABA user base in Germany, with the clearintention of offering a migration path to T24.ERI Bancaire also announced a few years agothat it was already considering moving off theIBM iSeries, and Financial Objects was one ofthe first to embark many years ago on astrategy of trying to gradually convert its IBISuser base to a new generation bankingplatform, ActiveBank.

In many ways, the problems faced by Misysand others with legacy universal bankingpackages – especially companies that havetried to consolidate the market and now ownseveral overlapping systems – are similar tothose faced by the larger banks. And the rangeof approaches available is also similar.

As can be seen from the strategies of leadingvendors, many started by surrounding theirIBM iSeries-based core banking applicationswith distribution channels, financialmessaging and business intelligence orstatutory reporting capabilities on theMicrosoft platform. In addition, they oftenintroduced departmental systems tocomplement the core banking systems in areas

such as trade finance, treasury and capitalmarkets. In the case of Misys’ Equationproduct, the surround capabilities consisted ofa cashier system, loan origination andrelationship manager, as well as specialistdepartmental systems for trade finance,treasury and capital markets.

Some started to focus on what one mightnow recognise as more typical bankingservices, at a level of granularity in line withthe growing industry consensus around SOA.These banking services addressed such areasas customers, payments or limits. The separatemodules offered for customer relationshipmanagement (CRM), Swift interfaces andenterprise limit monitoring exemplify this.Again, Misys introduced a Swift gateway tocomplement both Equation and Midas.

More recently, a few vendors have alsostarted to reflect the need for a strong processlayer in the overall architecture and haveindicated that – in the same way that SAPannounced a few years ago its intention tobreak up the enterprise resource planning‘monolith’ into a set of separate services – theyare working to decompose their integrateduniversal banking systems into a set ofbanking services that can be orchestratedthrough this process layer.

In the case of Misys, the recognition of thisneed is reflected in its recently announcedcollaboration with SAP, whereas Fiserv relieson the capabilities of Portrait – the technologythat underpins its Aperio offering.

Then, at some point, it starts to make senseto consider migrating the remaining corebanking functionality off the legacy platformand offering the user base the benefits of auniform front, middle and back officeenvironment, complemented by the people-centric collaborative technologies that theMicrosoft platform offers. Especially where thefocus is increasingly on better customerservice and increased cross-sales, the businessdrivers for achieving this kind of integrationare compelling.

FEATURE

Core Banking Partner Guide 2008 7

BANKING ON CHANGE

here seems to be a basic humanaspiration to look for patterns andcycles that enable us to explain past

events and predict future ones. This ‘patternthinking’ can be applied to the issue of corebanking renewal to explain how technologyand business innovations drive and reinforceeach other, and to suggest a viable strategy forbanks in emerging markets.

Banks have always been pioneers inapplying the latest technologies in practice.The banking business has scaled to enormousproportions, dealing with millions oftransactions, accounts and customers. Thesenew capabilities and service levels would beunimaginable without the help oftechnologies – but they have also createddependency on technology, and a new sourceof operational risk.

Core systems are an excellent example ofmission critical software whose reliabilitydirectly impacts a bank’s business. This is whymany banks have custom built their coresystems in-house, with the IT team promptlyavailable for support and systemenhancements. Although this seemed a viablestrategy in the 1970s and 1980s, it was arecipe for IT chaos in the long term.

Because each solution was custom madefor one bank, systems were not architected forchange and variation, but were patched overtime to fulfil tactical goals. In computerscience, this is known as local optimum –where local and short-term benefits lead to asystem that is poor as a whole because, overtime, IT shops become unable to handleincreasing complexity and constant changes.This opened a new market for firms offeringsystem integration services, as the IT shopwas reduced to a point where even a smallchange required a formalised project structure

and days of impact analysis. The bankingbusiness has since learned to see core systemsas a limiting factor to business opportunities,and core systems were surrounded by tacticalband-aid type solutions operating in a looseintegration and increasing overall complexity.

The situation is reminiscent of a story inwhich a frog is being boiled alive, unable tosense the gradual increase in temperature.The frog here is the CIO and the temperatureis the system that is becoming too complexand inflexible to meet business demands.Since banks tend to have a risk-averseculture, core system renewal is often seen as aradical change needing strong businessjustification. When the water reaches boilingpoint, decision makers typically have todecide whether to keep the status quo andbuild new capabilities around the legacysystem; to build a replacement system in-house; or to licence and deploy a packagedsystem from an established vendor.

Keeping the status quo is hardly an optionif decision makers are fully aware of thesituation, trend and consequences.Architecting a system for constant changerequires strategic focus, state-of-the-artengineering and excellent knowledge ofvariation in banking. These requirements arehard to meet even for vendors that make theirliving from mission-critical banking systems.

In-house IT shops know their bank’spractice, but may lack the knowledge ofvariation in banking practice. For vendors,this knowledge comes over time, and issometimes distilled in the form of industryproven data and process models such asInformation Framework from IBM, a popularchoice in the financial services industry.Strategic focus is hard for in-house IT shopswhere 90 per cent of projects are tactical and

A SERVICE-ORIENTED APPROACH TO CORE BANKING WILL ENABLE BANKSTO COPE WITH CHANGE AND COMPLEXITY, SAYS ALEKSANDAR MILOSEVIC

COMMENTARY

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Core Banking Partner Guide 2008

funded by line-of-business managers. For vendors,strategic focus comes from the product-orientednature of their business. Vendors are also in abetter position to attract the best softwareengineers and set up optimal processes and tools.

Analysts have developed criteria, methodologiesand ratings that aid the selection of the rightvendor and product for a new core system, but nosingle product or vendor is optimal for allenvironments. Thus, the specific environmentbecomes an important factor in making a sensibledecision.

Emerging markets are often places withsignificant potential for growth and intensivechanges in regulations and business practices,where politics matters at least as much aseconomics. For banks in such a market, the risk ofinstability is rewarded with higher profit marginsand greenfield conditions for products andservices already tested in developed markets. Infree market economies, banks that can adapt to theenvironment will ensure a dominant position inthe long term. Indeed, intensive changes inemerging markets favour flexible players that canuse agility and responsiveness to compensate for alack of the funds available to large global banks.

As risk tolerance is generally higher in emergingmarkets, core renewal is usually viewed as abusiness opportunity to gain competitiveadvantage by eliminating inflexibility and usingtechnology advances that have accumulated sincethe introduction of the present core. Some bankssee their core system as a commodity that shouldwork with minimal integration, customisation andmaintenance, assuring quick return on investmentand low total cost of ownership (TCO). A newcore should therefore be designed to embracefuture changes, support modular and gradualdeployment and enable new scenarios using thenewest technology, with a low TCO. Thoughtshould be given to an in-depth description ofcanonical core system requirements.

Advances in technology are not linear over time;disruptive innovation comes in cycles.Technologies go through a lifecycle of industryhype, emerging applications, maturity and legacy,and finally end-of-life. Architecting a packaged,mission-critical system for banking is a complexundertaking. Most packaged core systems still relyon technologies scheduled for retirement, but thelatest innovations on the Microsoft application

platform, together with a service-orientedapproach, enable disruptive innovation and allowcore banking vendors to offer truly flexible andagile systems that would cope with constantchange and increasing complexity.

In 2008, Pexim will introduce a new coresystem, codenamed Revolution, built on extensiveexperience with existing core banking products, ina strategic partnership with Microsoft and IBM.The world’s first core system built entirely on the.NET platform and industry proven models fromIBM, Revolution will enable the breakthroughproductivity, flexibility and TCO required inemerging markets.

Banks in emerging markets should be fullyaware of their specific environment and have anarticulated business strategy when they make corerenewal decisions. Core banking products basedon a service-oriented architecture and the .NETplatform are ideally positioned to drive banks tonew levels of agility and enable new businessscenarios.

Aleksandar Milosevic is chief software architect atPexim Solutions

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GROWTH THROUGH INNOVATION

ased in South Africa, Capitec Bank isa fast-growing, innovative retailbank. Since its inception in 2001, its

goal has been to provide accessible andaffordable banking services to a broad rangeof customers via innovative use of technology.

Capitec Bank has over 1.18 millioncustomers, 330 branches, 70 mobile bankingunits and 200 ATMs nationwide. Its reportedannual turnover increased in 2007 by 31 percent.

Capitec Bank had spent three yearsrealigning its internal focus and laying afoundation for accessible, simplified andaffordable banking services in South Africa.To achieve its business goals, Capitec Bankimplemented TCS BaNCS Core Banking,Payments, Link (branch) and Connect(Internet) business application solutions.

The bank chose TCS Financial Solutions tohelp design a paperless, cost-efficient corebanking solution. This would provide accessto all facilities through a single platform – theCapitec Global One Facility – whichincorporates paperless savings, loans andtransacting facilities and can be accessedusing the bank’s Maestro debit card.

TCS BaNCS integrates retail, e-commerce,treasury, commercial banking, trade andmanagement information system componentsin one homogeneous solution that canautomate every aspect of a bank’s operations,regardless of size. It can be configured to meetthe banking needs of consumers and small tomedium enterprises, as a standalone treasurysystem, or as an integrated core systemencompassing retail, treasury and trade.

Capitec Bank used TCS BaNCS to createnew revenue streams and increase profits.Following rapid implementation, benefitsinclude 24-hour data access; a faster approvalprocess; lower total cost of ownership;

improved customer relationships; highperformance; scalability across the Windowsplatform and adaptable delivery channels.

The solution allowed Capitec Bank’sInternet-based banking system to introducefour new banking services: • An Internet-based platform for easy access

to account information and transferring offunds between accounts

• An inexpensive and accessible paymentmechanism for informal convenience stores

• A robust, factory floor kiosk offeringfacilities similar to Internet banking,without the cash withdrawal function

• A Capitec Bank card reader installed atretailers, giving access to account balances,which will stimulate overall card usage.

Capitec Bank has made extensive use ofinnovative technology. It now takes only tenminutes to open a Capitec Bank account andthe entire procedure is paperless. Aphotograph of each client is stored on thesystem, and is retrieved whenever that clientdoes business with the bank.

“The growth in client numbers to 1.18million is testimony to the level of acceptanceof our unique offer in the market,” says RiaanStassen, CEO of Capitec Bank. “No otherbank provides the ease of access andaffordability we are providing.”

“Running on Microsoft 2003 Server EEwith SQL Server 2005, TCS BaNCS CoreBanking solution has scaled to support aphenomenal growth rate for the team atCapitec Bank,” says N. GanapathySubramaniam, president of TCS FinancialSolutions.

Glenn Stafford is global head of productmanagement and professional services at TCSFinancial Solutions

INNOVATIVE USE OF TECHNOLOGY HAS HELPED CAPITEC BANK TO IMPROVESERVICES AND SUPPORT GROWTH, SAYS GLENN STAFFORD

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MODELLED FOR SUCCESS

he core banking market is changing.Many of the banks now selectingcore systems are actually doing so

for a second or even third time, and theyhave learned from their experiences. Theydon’t want to be tied to a single IT supplier,or to technology that may become obsolete.Nor do they want a system that will drainvaluable funds and resources inunproductive maintenance that could be putto more use in growing the business.

In addition to running a business, banksface media scrutiny – security issues orservice outages can gain wide presscoverage, which can be disastrous. Andwhile the number and types of security andhacking attacks continue to grow, customershave more choice and more informationthan ever before, and are ready to switchproviders if they are not happy.

In the interests of both efficiency andbuilding trust among customers, banksneed to be sure that their systems areflexible, compliant and secure. There is nosubstitute for best practices here, and a triedand true core system built on theseprinciples will enable the customer serviceand trust-building that are essential tosuccess for banks.

In addition, as the entire industrycontinues to grow and becomes increasinglycompetitive, flexibility is key to movingwith the demands of customers, regulationsand business conditions. But flexibilitymeans much more than the capability totailor the technology – true flexibilityenables fast time-to-value through low costof ownership and efficient, people-readytechnology that won’t drain resources.

It is perhaps not surprising, then, thatmany banks no longer want a ‘one size fitsall’ solution, and they don’t want to spend

valuable funds on the core functionalitiesthat are similar across the industry.Specifically, they want a system that candeliver commodity core functionalityquickly while enabling them to tailor theapplications that will differentiate themfrom the competition, now and in thefuture.

For example, one Temenos client hadgrown significantly since implementing acore system as a small organisation ten yearsago. When it came to replacing itstechnology, the bank realised that it neededto accommodate further growth with asystem that would combine flexibility andlongevity with visible costs. In order toachieve this, it decided to move to the T24package on the Microsoft platform.

This is just one example of the manyclients that are keen to exploit T24 on theMicrosoft platform. T24 Model Bank makesup to 80 per cent of the bank’s requiredfunctionality available immediately basedon preconfigured, best practice-basedproducts and processes. The solution can berolled out in half the time of many othersystems, and T24 then enables flexible,differentiating functionality to be developedat low risk in a secure environment.

As banks move to replace legacy systemsquickly and at low risk, there is aninexorable trend toward the Microsoftplatform in partnership with vendors likeTemenos. By taking an intelligent approachto core system replacement, banks can builda flexible, forward-looking system based onbest practices that will support not onlytheir own growth, but that of the industrytoo.

Mark Gunning is group strategy director atTemenos

AS MANY BANKS SEEK TO REPLACE CORE SYSTEMS FOR A SECOND OR THIRDTIME, THEIR APPROACH TO TECHNOLOGY HAS EVOLVED, SAYS MARK GUNNING

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Core Banking Partner Guide 2008 11

ORCHESTRATING BANKING PROCESS

ore banking systems are thebackbone of a bank, but they mustnow support a wider range of

systems, applications and databases as bankswrestle with business, customer andregulatory demands. They must supportcustomer relationship management (CRM),business process management (BPM), riskand fraud management, anti-moneylaundering (AML), online banking, trade andtreasury and many other attached solutions.

The challenge lies in integrating all thesesystems, applications and channels andorchestrating banking processes from front toback – especially given multiple underlyingoperating systems. Service-orientedarchitecture (SOA) is a key differentiator, andhas been a part of every technology decisionmade by Fiserv CBS Worldwide since the late1990s. It underlies Fiserv Aperio, our .NET-based, process-centric customer interactionmanagement solution developed inconjunction with Portrait Software.

Using Aperio, banks can identify andoptimise key components of their front-endbusiness processes and streamline sales andservice operations to improve efficiency,increase cross-sell and up-sell opportunitiesand optimise the customer experience. Aperiointegrates multiple back-end systems,bringing together customer and productinformation in a deep, real-time, 360-degreeview of the customer relationship. This allowsbank staff to interact with an intuitive,process-based interface for sales and service.

The Aperio BPM model enables banks tobuild, adapt and reuse financial servicesprocesses. Execution of functions is morerapid and less prone to human error, sincepreviously separate functions are nowgrouped and predefined for end users. Thisallows banks to focus on improving channel

performance through more effective customeracquisition, retention and cross-selling. Bankscan also concentrate on enabling competitiveadvantage in manufacturing, processing,distribution of products and speed to market.

Fiserv is committed to developing reusableservices, extending and leveraging the SOAenvironment. Customers gain the flexibility ofan industry standard integration method, andtheir legacy system is insulated from invasivecode. It also means easier maintenance and asafe, secure upgrade path.

Aperio reduces the cost and risk normallyassociated with deploying new businessservices. The SOA architecture enablesvarious types of integration, including:• External line-of-business systems for credit

card, investment, insurance, loan systemsand business intelligence

• Existing or new Internet sites and portalsincluding Corillian. Aperio exposes andconsumes Web services across layers forpresentation and system interaction

• Extending existing CRM and customerservice applications

• End-user desktop applications includingmortgage or interest rate calculators andinternal credit scoring systems

• Functional supporting systems includingCTI, document management, printing, e-mail, integrated credit scoring and identityverification systems, fraud management,AML, signature path devices and onlineauthentication systems.

The ability to streamline processes, integrateenterprises and improve sales and service is apowerful driver for financial institutions asthey seek to ensure future success.

Kate J. Henry is director of global marketing atFiserv CBS Worldwide

SERVICE ORIENTED ARCHITECTURE HAS TRANSFORMED CORE BANKINGSYSTEMS, SAYS KATE J. HENRY

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WINDS OF CHANGE

usiness trends are like winds – theyvary in intensity, but when theyconverge they can change the climate

dramatically. Now, several trends areconverging in the financial services market.Institutions need to adapt or be left behind.

Increased competition is bringing pressureto launch new, targeted products and diversifyrevenue streams with new sources of non-interest fee income. Financial institutionsworldwide need greater flexibility to launchproducts and services more quickly, and toenhance customer knowledge in order toimprove sales and service.

Consumers access bank information throughan expanding number of channels. Onlinecommerce continues to grow, and channelopportunities such as wireless are increasingly popular. Superior products, improved serviceand increased levels of interaction have becomeessential. Financial institutions must manage allchannels efficiently, and create opportunities tocross-sell new products.

Unfortunately, many legacy technologies arenearing the end of their useful cycle, andobstructing the successful implementation ofapplications such as customer relationshipmanagement. There are limitations on datafield sizes and product types, redundantdatabases, and additional layered-on systemsthat don’t communicate effectively with eachother. Ageing technology also brings securityconcerns, as hackers and identity thieves findever more ways to compromise an institution’sdatabase. Whether in-house or outsourced,legacy systems present a serious handicap tofinancial institutions.

Many legacy core platforms are surroundedby bolt-on applications. Vendors have tried tofix problems with layered-on applications, butthese are increasingly ineffective and mask theweakest link in the technology infrastructure –

the underlying, dated core processingtechnology and architecture.

Legacy technology lacks both openness andcomplete documentation. It is complex andexpensive to maintain, and burdens resourceswith a greater risk of downtime due toincompatibility among applications.

Taken together, these flaws put manyfinancial firms at a competitive disadvantage,resulting in a growing shift from legacy systemsto more open, relational and real-timetechnologies. Intensifying competition hascreated both an imperative to change and anopportunity to prosper; doing nothing is nolonger a practical option.

Many financial institutions have replacedlegacy systems with open, next-generationtechnologies that enable them to better addresschanging market needs. They recognise thatthe total cost of ownership for newer systemsfar outweighs the risk involved in maintainingageing technology.

In addition, financial institutions are lookingfor systems that take advantage of industrystandard technologies, for example those thatincorporate a .NET platform. A .NET objectframework provides a contemporary look thatenables ease of use, a common look and feel,and supports added technology such as SharedApplication Framework.

The winds have shifted. Speedier adoptionof open-based technologies is enablingfinancial institutions to leverage informationthroughout the enterprise and across allcustomer touch points, consistently and in realtime. Realising that the core application layer isthe critical foundation of your financialenterprise opens up an array of possibilities,and can improve all areas of your operation.

Mike Nicastro is senior vice president and chiefmarketing officer at Open Solutions

IT’S TIME TO MOVE AWAY FROM LEGACY CORE SYSTEMS,SAYS MIKE NICASTRO

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Core Banking Partner Guide 2008 13

TAKING ACCOUNT

or the past 25 years, financialinstitutions have invested heavily inIT, focusing on the ‘front of house.’ A

great deal of time and money has recentlybeen invested in new branch systems, e-banking solutions and re-engineering legacysystems, while the need to improve the backoffice has been overlooked.

Even in light of the trend toward new corebanking systems, a key area seems to havebeen left out: risk and finance. Soundinvestment here will yield great reward andhelp financial firms better leverage investmentin other areas of the application architecture.

There are four main pillars of risk andfinance: accounting, informationmanagement, capital management andcompliance. There is a growing need toembrace the philosophy of finance resourceplanning (FRP), and furnish the risk andfinance function with tools encompassing allfour pillars based on a single source of thetruth in terms of data. It will also becomeharder to consider any of these areas inisolation from the other three.

There is growing demand for a newgeneration of accounting solution. Financialinstitutions need a solution fit for purpose,not one born out of enterprise resourceplanning solutions developed primarily forthe manufacturing industry. They need atoolkit that can cater for the most complexaccounting rules, which must be built intothe solution as inherent intellectual property,supporting multi-GAAP accountingrequirements and IFRS. With increasingdemand for real-time, event-basedaccounting, solutions must enable firms toderive multiple GAAP from a single sourcewith minimal effort and intervention.

These solutions must provide data at themost granular levels. Data should be available

for all functions within risk and finance, butcommon to all business functions. There isalso a need for a sub-ledger architecturesupporting a thin and flexible general ledger(GL) with full reconciliation and consolidationfeatures, including automated repair.

This architecture provides a soundplatform for business management, anddramatically improves operational efficiencywhile increasing competitive advantage.Financial Architects’ Financial Studio solutionis based entirely on the FRP concept. TheAccounting Domain provides a sub-ledgercombined with a thin GL, and manycustomers are implementing this at the coreof their finance transformation initiative.

Integrating this new generation ofaccounting solution with effective capitalmanagement and attention to regulatoryinitiatives, will enable the effective applicationof Risk Adjusted Return on Capital andEconomic Capital models. Solutions shouldinclude fully integrated statistical andprudential reporting facilities for regulatoryreporting, and a comprehensive portfolio ofinternal reporting capabilities.

Every modern solution should, likeFinancial Studio, make functionality availableas services. A service-oriented architectureenables strategic change by stealth, facilitatingintegration and sustained leverage fromexisting solutions within the applicationarchitecture, and providing for effectivemigration from legacy technology via low riskprojects bearing returns in the short term.

Accounting solutions are essential to thecore systems replacement initiative. Equalcare and attention must be given to selectingthe most appropriate solution.

Nigel Lee is chief communications officer atFinArch

AN SOA APPROACH IS A MUST FOR TODAY’S FINANCIAL FIRMS, SAYS NIGEL LEE

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Core Banking Partner Guide 2008

OPENING DOORS

ore Banking is highly competitive,with institutions facing constantpressure to develop powerful yet

cost-effective technology solutions. The Itanium architecture was designed

from the ground up as a truly open platform,allowing Windows solutions to deliver high-volume transaction processing in a 24x7x365environment. Itanium is the only high-endenterprise architecture available from multiplehardware vendors and supporting multipleoperating systems, delivering the reliability,availability and scalability (RAS) associatedwith mainframes and midrange systems.

The enhanced Intel Itanium architecture,teamed with Itanium-based Windowssolutions designed to take advantage of theinherent capabilities of the processor, creates aperfectly-matched environment for the data-intensive, always-on banking landscape. Eightof the top ten financial services corporationshave chosen Itanium-based systems. Itanium-based Windows platforms offer banks thefeatures they’ve come to expect from theirold, proprietary systems, plus the flexibilityand cost savings they need.

With over 3,000 Windows applicationsported and tuned for the Itanium architecturetoday, banks can find solutions they need onplatforms that provide better value for mission-critical workloads. In addition, a full suite ofintegrated tools exists for custom coding ofapplications. Both off-the-shelf and customsolutions allow customers to deploy newcapabilities quickly and confidently. Itanium-based Windows platforms deliver room forbusiness growth. Further enhancements willcome with the arrival of Windows Server 2008,SQL Server 2008 and Visual Studio 2008.

Itanium-based Windows platforms deliverRAS on par with mainframe and midrangesolutions. Continued advancements in

mainframe-class RAS features provide theconfidence to migrate off of proprietaryarchitectures while maintaining ‘always on’service level agreements.

Banks need scalable performance, allowingthem to see benefits today and provide theheadroom to get more from their investments.Itanium processors address over 1,024terabytes of memory and come with 24MB ofon-die cache. Itanium is the foundation formassively scalable SMP systems, and the onlyplatform that provides best-in-class scalabilitywith mainframe-class reliability andvirtualisation capability.

Financial institutions worldwide arerealising the benefits of switching to Itanium-based Windows platforms. DenizBankwanted a new IT architecture to increaseprocessing power. It deployed a range ofMicrosoft solutions on an HP IntegritySuperdome Server, yielding reductions of 71per cent in end-of-day processing time and66 per cent in card application processing.

Banca Popolare di Vincenza migrated totwo HP servers, with four Intel Itanium 2processors, running Windows Server 2003and SQL Server 2000 (64-bit). The 64-bitversion of SQL Server yielded a ten-foldperformance increase, while the overallsolution delivered enterprise-level securityand scalability for mission-critical data.

The Itanium Solutions Alliance was formedby leading solutions providers to worktoward a common objective of transitioningthe world of RISC-based computingplatforms to open, industry standardsolutions based on Intel Itanium architecture.Members include some of the most influentialcompanies in the computing industry.

www.itaniumsolutionsalliance.orgwww.itaniumsolutions.com

AN ITANIUM-BASED OPEN ARCHITECTURE DELIVERS RELIABILITY, AVAILABILITYAND SCALABILITY ON A PAR WITH LEGACY SYSTEMS

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DELIVERING A DIFFERENCE

ack in 1996, Financial Objects’founding principles were to providefully Web-enabled solutions to the

financial services industry, built from reusablecomponents and running on the Microsoftplatform. We were confident that this wouldtransform the way banking systems weredeveloped and used, but we couldn’t haveenvisaged the speed or magnitude of thechanges the new technology would bring.

The Internet has transformed banking andcommerce, and Microsoft has become theplatform of choice for many developmentstrategies. Component technology is generallyestablished as the preferred approach forfuture software development, with Microsoftsetting the de facto standards.

In our experience, Microsoft provides thebest tools and technology for implementing aservice-oriented architecture (SOA), creatingloosely coupled Web services that runbusiness processes through interconnectedsystems. This is particularly important in thefinance industry, where a mixture of legacyand new software must co-reside and interact.

Microsoft’s SOA strategy is differentbecause it has been used to build solutionsfrom the bottom up. Using its client andserver operating systems as a foundation,Microsoft utilises operating system featuresand components within its technology stack.This not only confers advantages relating toperformance and scalability, but with .NET,Microsoft has produced a flexible andsophisticated application developmentplatform that can directly harness features ofthe operating system. C# is rapidly becomingthe language of choice over Java for manyprogrammers, and with the ability to compileVB.NET, C# and C++ to a common runtimelanguage, it is relatively easy to find skills inthe market.

Microsoft is now concentrating on theapplication platform to create middlewaresolutions that facilitate the management andjoining up of business processes within theSOA context. Take BizTalk Server 2006: inaddition to its integration capabilities, itfeatures a powerful orchestration engine thatprovides a drag-and-drop user interface tomodel processes and creates the businessprocess execution language used to controlprocesses and cross-system workflow.

Windows SharePoint Server (WSS) isanother example of Microsoft’s ability tosupport organisations like Financial Objects.WSS 3.0 provides support for Web 2.0features such as blogs and wikis. Microsoftpublishes numerous templates that extendthe delivered features of SharePoint fordifferent business contexts, and it is easy tocreate and incorporate new .NET customWeb parts to provide further extensions andbusiness logic. At the Web client, Microsofthas launched Silverlight, which will furtherenhance the richness of the presentation layer.

Finally, the latest versions of MicrosoftOffice incorporate more applications andfeatures to join up business processes,including deployment and support for mobiledevices. Infopath provides a method forcollecting and distributing information viaworkflow, and Groove enables remote teamsto collaborate and share information.

Any SOA strategy supported by thisplatform would appear to be based upon surefoundations. We believe our foundingprinciples have proved correct, and have ledus to a position where we can develop themost advanced applications for our customersin a highly cost effective manner.

David Carruthers is director of groupdevelopment and technology at Financial Objects

AN SOA BASED ON MICROSOFT IS ONE BUILT ON FIRM FOUNDATIONS, SAYSDAVID CARRUTHERS

COMMENTARY

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Core Banking Partner Guide 2008

LEGACY CODE: BLESSING OR CURSE?

n enterprise dependence on legacycode is both a blessing and a curse.You’re using mature, tested software

that has evolved into a finely-honed businesssolution (not to mention having been fullydepreciated long ago). However, that samereliable code base has a dated user interfaceand software that is hard to change andenhance. Even if you had the patience andtime to modify it, a legacy platform no longeroffers the core functionality needed to fullymodernise the applications.

The curse of legacy code is especially truefor IBM System i (also known as the AS/400or iSeries) software. The RPG/400 and ILERPG languages are both limited in terms ofenhancing existing applications. For example,enterprise Web-enablement, using modernservice-oriented architecture (SOA)-basedWeb services to integrate your business withpartners, is but a dream when you’reconstrained by green-screen RPG.

For System i enterprises, the need tomodernise applications is paramount, yetmost migration options disregard the value ofexisting RPG assets. Virtually all System ibusinesses have accumulated substantialvalue in their programming team, processes,applications and data, and leaving these assetsbehind is foolish. Rewriting a majorapplication or acquiring new software toreplace it is a daunting, expensive and oftenunrealistic option. The safest way is toleverage the value in existing legacy assets.

If RPG teams are to control the destiny ofmigrated applications, the target language is amajor concern. System i companies thatmigrate ILE RPG to Java, C++ or C# usuallyfind that expensive consultants are requiredto modify the migrated code. However, if thetarget language is RPG on .NET, then RPGteams can build on their existing skills to

modify and enhance the new application.This scenario is now possible withAmalgamated Software of North America’s(ASNA) Monarch migration solution coupledto the RPG compiler for .NET (developed inpartnership with Microsoft). The more RPGidioms that remain in place after themigration, the more productive the existingRPG team can be with the migratedapplications.

Beyond persisting RPG language semanticsin migrated code, you should also considerthe value of your RPG programming team’sknowledge of the migrated application. Formany a System i enterprise, an application’sdocumentation exists mostly as ‘tribalknowledge’ stored in long-time RPG coders’heads. The value of including theseprogrammers in your migration project isincalculable. They add understanding, depthand ‘how-it’s-supposed-to-work’ knowledgethat you’d be hard pressed to find elsewhere.

The value and future capabilities of yourRPG programming team are indeed factors inthe legacy migration strategy. However, youalso need to plan for new team members whocan work with your newly-migratedapplications. These will most likely have skillsquite different from those currently found onyour legacy development team. Nevertheless,one of the strengths of the .NET platform isthe ability for any .NET developer (C#,VB.NET, RPG.NET) to work with others onthe same application. Successful migrationsfrom System i to .NET depend on the righttools, good planning, and appreciation of thevalue of legacy programming teams inmigration and post-migration efforts.

Roger Pence is the educational director for ASNA(www.asna.com), a subsidiary of BluePhoenixspecialising in System i RPG program migration

MIGRATING TO .NET CAN MAXIMISE THE VALUE OF BOTH LEGACY AND NEWPROGRAMMING TEAMS, SAYS ROGER PENCE

COMMENTARY

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APAK Group LimitedAPAK HouseBadminton CourtStation RoadYate, Bristol BS37 5HZUK

Mark Johnson, Group Marketing ManagerTel: +44 (0) 1454 87 10 00Fax: +44 (0) 1454 87 11 99mark.johnson@apakgroup.comwww.apakgroup.com

APAK’s Bank Environment Automation Manager (BEAM)modules are used in live operations in Europe and acrossthe Middle East. Developed on Microsoft .NET for rapiddeployment over an intranet, BEAM offers a completesuite of specialist banking modules to support a widerange of back and front office operations: • BEAM Branch: BEAM’s branch module caters for

multiple internal branch operations, including fullsupport for all teller, foreign exchange, customerservices, back office and management activities.

• BEAM Internet: BEAM Internet banking module providesan up-to-date and flexible solution which allows thebank’s customers to enquire, conduct transactions andutilise the bank’s products online.

• BEAM Workflow: allows the bank to assign, schedule andtrack complex work processes throughout theorganisation. Users are able to automate a range ofbusiness tasks, routing the right information to the rightpeople at the right time.

• BEAM Core: provides a full back-office system withembedded workflow management. Equipped with anonline product designer, the system allows for rapidchange and development of new products.

• Technology: BEAM achieves maximum systeminteroperability through its advanced design andcompatibility with a service-orientated architecture.Business rules can be exposed via Web services, whichallows system modules to interface with differentbanking applications and institutions, supporting bankdelivery channels as well as workflow and documentarchiving software.

Financial Objects45 Monmouth StreetLondonWC2H 9DGUK

Karen Jenkins, Marketing ManagerTel: +44 (0) 207 836 30 10Fax: +44 (0) 207 420 33 24karen.jenkins@finobj.comwww.finobj.com

Financial Objects is an international supplier focused onthe provision of new generation banking, wealth andenergy software solutions. In the core banking space, wedeliver three key products: ibis s2 is our flagshipcommercial banking solution – providing global bankswith a full remit of back office operations includingtrade finance, private banking, Internet banking andcommercial lending. activebank Retail is our back officeretail banking system, run entirely over a .NET platformand offered as a complete solution or as individualcomponents. activebank Treasury can be offered as astandalone product, or easily and comprehensivelyintegrated with either ibis s2 or activebank Retail.

Our partnership with Microsoft allows us to offer ourclients the ultimate in flexibility. We offer rapid productdevelopment and roll-out, individual componentimplementation, and multiple channel integration forsuperior flexibility to a bank’s client base. Our SOAarchitecture is based around Microsoft’s SOA strategyand utilises BizTalk to model processes and create thebusiness process execution language (BPEL) required tocontrol processes and cross systems workflow.

DIRECTORYCORE BANKING – COMPANIES A-Z

Harland Financial Solutions605 Crescent Executive CourtLake MaryFlorida 32746USA

Bill Zayas, Senior Vice President & General Manager,Core Systems GroupTel: +1 800 989 90 09

+1 407 804 66 00Fax: +1 407 829 67 30bill.zayas@harlandfs.comwww.harlandfinancialsolutions.com

Harland Financial Solutions supplies software andservices to over 7,000 financial institutions of all sizes,both in-house and in a service bureau environment. Thecompany is a leader in core systems, risk management,item processing, enterprise content management,branch automation, business intelligence, originationand document solutions, compliance training, financialaccounting, open documents, mortgage solutions,electronic funds transfer (EFT) and self-servicesolutions.

In core banking, the Phoenix System is an innovativefront-to-back Microsoft enterprise solution based on theWindows operating system, SQL Server database, and.NET elements. With a growing roster of 150 bankingclients globally, the solution is powerful and scalablewhile being fully integrated with Microsoft’s Outlookand Office Suite. The architecture and relationaldatabase of the system allows institutions to broadentheir customer relationships, improve productivity,enhance management reporting and reduce trainingcosts. Harland’s integration methodology (XML andSOA standards) is part of the Phoenix Systemdeployment.

Additionally, many of the company’s other best-in-class solutions leverage Windows, SQL Server and.NET, including those in credit risk management, loanorigination, branch automation and enterprise contentmanagement. Harland Financial Solutions is a MicrosoftGold partner.

Intertech Büyükdere Cad.Kasap Sokak No:15/1 Esentepe- IstanbulTurkey

Güniz Kahraman, Head of Business Partners andProduct Management Tel: +90 212 355 11 97Fax: +90 212 288 79 00guniz.kahraman@intertech.com.trwww.intertech.com.tr

Intertech was established in 1991 primarily to serve thefinance industry, and provides wide range ofinformation technology services for many industry areaswith a superior service quality.

Intertech is highly specialised in the areas of bankingsoftware and applications, systems management andoperation, portal technologies, process managementsystems, customer relationship management (CRM),data warehouse and information security. The companyprovides project management consultancy and turnkeyservices in all of these.

Intertech offers the inter-Next integrated bankingplatform to banks of all sizes, for a new generation ofbanking service across all distribution channelsincluding Internet/kiosk, ATM/POS, call centre andmobile devices.

Based on a CPM approach, the inter-Next bankingplatform links enterprise CRM strategy to core processesand activities and allows banks to drive business alignedwith customer needs and expectations.

Knowledge is driven from consolidated andcentralised data to feed front-office applications fordynamic access to decision support models, turningoperational staff into a fully equipped sales force.

inter-Next is built on a service-oriented architectureto provide a unique combination of best-of-breed ITinfrastructure, and guarantee scalable solutions withspeedy implementation.

Running on Microsoft technologies, inter-Next addsvalue to banks by saving both time and money.

Core Banking Partner Guide 2008 19

21

Open Solutions455 Winding Brook DriveGlastonbury, CT 06033USA

Marvin (Mickey) S. Goldwasser, Vice President, ProductMarketing & CommunicationTel: EMEA +44 (0) 207 692 51 74Asia Pacific +65 6563 75 74The Americas +1 800 226 56 74Canada +1 604 714 18 28Fax: +1 860 652 31 56mgoldwasser@opensolutions.comwww.opensolutions.com

Open Solutions’ enabling platform provides new avenuesfor cost saving opportunities to diversify products andoffer new ones. Our relational technologies enablefinancial institutions to better compete in today’s ever-changing market.

Our strategic product platform integrates core dataprocessing applications built on a single, centralisedrelational database supporting multiple currencies andlanguages with cash management, customer relationshipmanagement (CRM)/business intelligence, financialaccounting tools, treasury and trade finance, imaging,digital documents, interactive voice response, networkservices, and payment and loan origination solutions.

Our system manages highly flexible relationshipsbetween people, businesses and accounts with no codesor product limitations, no limits on service charge routinesor interest rate parameters, and no translation needed.

Our system is designed to take advantage of industrystandard technologies. In particular, the latest release ofour relational core product incorporates a .NET platformusing Smart Client technology. The .NET objectframework provides a contemporary look that will allowOpen Solutions to stay current as the Windows ‘look andfeel’ continues to evolve. An important benefit of the .NETFramework is the supporting architecture for OpenSolutions to develop a Shared Application Framework(SAF). Future use of the SAF module will benefit all OpenSolutions premier products by providing a single source ofcode for common functions such as security, printingcontrols and single sign-on capability.

Pexim SolutionsGoce Delceva 4411000 BelgradeSerbia

Miodrag Mircetic, Chief Executive OfficerTel: +381 11 201 31 11Fax: +381 11 301 51 32sales@pexim.netwww.pexim.net

Pexim Solutions is the first independent softwarevendor in the world to offer a new generation of corebanking, multi-channel payment and businessintelligence applications entirely based on IBM IFWmodels and Microsoft .NET technology – WindowsServer 2008, Windows Vista, Office 2007, SQL Server2008, BizTalk Server 2006 and Visual Studio 2008.

Pexim’s proven solutions include core banking, loanorigination, payments, card management, Internetbanking, mobile banking, banking data warehouse,credit scoring, risk management, performancemanagement, compliance and customer relationshipmanagement.

With experience from more than 50 installations inEuropean banks since 1996, a rich portfolio of maturebanking software and strong investments in futureinnovations, Pexim offers a safe choice for bankslooking to renew their core system, improve channeland payment efficiency and utilise the full informationpotential of their data warehouses. Banking expertise inemerging markets and a growing customer base are themost valuable of Pexim’s assets.

The next generation of products, codenamedRevolution, is being developed in intense partnershipwith Microsoft and IBM, engaging world-class experts inservice-oriented architecture, adaptive processes, datacentre reliability and platform interoperability. The firstproducts from the Revolution family will be available onthe international market in the second half of 2008.

Core Banking Partner Guide 2008

Jack Henry & Associates663 West Hwy 60MonettMO 65708USA

Ed Wammack, Banking Sales AdministratorTel: +1 417 236 89 19 Ext 1106+1 417 669 21 33 (mobile)ewammack@jackhenry.comwww.jackhenrybanking.com

Jack Henry & Associates, Inc. was founded in 1976 andthree decades later, it supports more than 1,700 banks –ranging from de novo to mid-tier institutions – withthree market-leading in-house and outsourced coreprocessing solutions:• SilverLake is a highly customisable, IBM System i-

based solution for commercial banks• CIF 20/20 is a parameter-driven, IBM System i-based

solution • Core Director is a Windows-based, client/server core

processing solution.

Jack Henry operates as a single source for enterprise-wide automation by integrating these popular coresystems with more than 100 complementary productsand services; and serving each client as a single point ofcontact, support and accountability for today’s complexinformation processing platforms (www.jackhenry.com).

Jack Henry also provides ATM/debit card/ACHtransaction processing services primarily for financialservices organisations. Its technology solutions servemore than 8,700 customers nationwide, and aremarketed and supported through three primary brands.These brands are Jack Henry Banking, a leadingprovider of integrated computer systems for banks;Symitar, the leading provider of information andtransaction processing solutions for credit unions(www.symitar.com), and ProfitStars, a leading providerof best-of-breed solutions that improve the performanceof financial institutions and diverse corporate entities(www.profitstars.com).

New Technology Business Solutions Group Units G-H112 Bush RoadAlbanyAucklandNew Zealand

Richard Schipper, Managing DirectorTel: +64 9 415 01 55Fax: +64 9 414 6259richards@ntbs.comwww.ntbs.com

New Technology Business Solutions Group (NTBSG) isa Microsoft solution provider specialising in thedevelopment of state-of-the-art software for the globalfinancial services sector.

Our flagship product NTBS is an end-to-end corebanking solution. Since the product’s birth in 1996, theNTBS financial services platform has been proven as aleading-edge retail banking platform incorporating bothfront office and back office functionality.

The NTBS platform has been successfullyimplemented in New Zealand, Australia and the UnitedKingdom, primarily as a direct banking andmortgage/loan administration platform. The NTBSapplication was developed exclusively with Microsoftproducts including Visual Studio (C#.NET; C++) andSQL Server, and implements a comprehensive service-oriented architecture in an N-tier stateless middlewaredesign. NTBS is a highly scalable customer-centricplatform core banking system built with e-channels atthe core, metadata-driven workflow and metadata-driven process management.

NTBSG is a New Zealand registered company with itshead office in Auckland, New Zealand and branchoffices in Sydney and Melbourne, Australia.

®

CORE BANKING – COMPANIES A-Z

23

TCS Financial SolutionsUnit 6, L Centre78, 79 and 83 EPIP Industrial AreaWhitefieldBangalore – 560066India

Dennis Roman, Chief Marketing OfficerTel: +1 954 423 35 60Fax: +1 954 423 35 62tcs.bancs@tcs.comwww.tcs.com/bancs

TCS Financial Solutions, a strategic business unit of TataConsultancy Services, is a leading banking solutionsprovider in more than 80 countries. Branded under TCSBaNCS, our product solution offerings comprehensivelyaddress the financial services market across commercial,retail and wholesale banking, capital markets and insurance.

TCS BaNCS Core Banking solution is platformagnostic, and TCS Financial Solutions is fullycommitted to service-oriented architecture (SOA)enablement of all TCS BaNCS products. Today, morethan 3,000 coarse grain ‘online’ TCS BaNCS CoreBanking services have been exposed as Web services, inaddition to support for business process orchestrationby provision of in-built adaptors for use with industry-leading integration platforms such as Microsoft BizTalk.TCS Financial Solutions broadly classifies its SOAapproach to implementation into four categories andprovides professional services accordingly:Simple SOA – TCS BaNCS application portfolio serviceenablementMulti-level SOA – Focused on building the businessservices layer which forms the fulcrum of SOAProcess SOA – A strategic initiative to harmonise andstreamline end-to-end business process EA-driven SOA – A strategic initiative to transform thebusiness and IT architecture and infrastructure focusedon long-term vision and strategies.

SOA-based solutions, based on the Microsoft platform,enable greater flexibility and choice in rolling out largeand complex core banking replacement programmes.

TemenosTemenos Headquarters SA18 Place des PhilosophesCH - 1205 GenevaSwitzerland

Sarah Paulucci, Strategic Alliances ManagerTel: +44 (0) 207 423 37 00Fax: +44 (0) 207 423 38 00salesteam@temenos.comwww.temenos.com

Founded in 1993, Temenos Group AG is a leadingprovider of integrated modular core banking systems.We serve more than 600 customers in over 120countries, supported by 43 offices.

Temenos software provides banks with a single, real-time view of the client across the enterprise, enablingbanks to maximise returns while streamlining costs. Weprovide 24x7 functionality to the retail, corporate andcorrespondent, universal, private wealth management,Islamic, microfinance and community banking sectors.Temenos partners with central banks on core systemreplacement, and works with the World Bank onsolutions for emerging markets.

Our flagship product Temenos T24 is a functionallyrich, scalable, integrated modular banking system. It isbuilt on open service-oriented architecture, and usesestablished technology standards such as simple objectaccess protocol (SOAP) Web services, XML and a truestateless browser front end. It offers a single client viewacross the enterprise and can support large numbers ofusers with true non-stop resilience. Its fully-integratedarchitecture enables it to offer a significant costadvantage compared to other competing products. It isthe only system available with no end-of-day batchprocessing, and so can genuinely provide real-time 24x7non-stop banking.

Core Banking Partner Guide 2008

SAPRakesh Shetty, Banking Marketing Directorrakesh.shetty@sap.comwww.sap.com/banking

SAP is the world’s leading provider of business softwarecomprising enterprise resource planning and relatedapplications such as supply chain management,customer relationship management (CRM), productlifecycle management and supplier relationshipmanagement for more than 25 industries.

SAP for Banking provides banking-specific(transactional banking, CRM, risk management) andbanking relevant (financial accounting, humanresources management, procurement) services andsolutions created on a single enterprise service-orientedarchitecture (SOA)-enabled business process platform.With more than 600 customers in 60 countries, SAP forBanking provides an integrated set of tools andautomated processes to manage every aspect of the frontand back-office banking environment–from high-volume transactional banking processes and CRM tofinancial accounting, cost controlling and profitabilityand risk analysis.

Based on the open architecture of the SAP NetWeaverplatform, SAP for Banking helps companies expertlymanage transactions and relationships across theinstitution to quickly identify and exploit marketopportunities and easily tailor new products to thespecific needs of individual customers.

SAP and Microsoft are long-term complementarypartners. Recently, they designed, developed andmanufactured Duet software so that organisations canempower employees to seamlessly access data and SAPenterprise applications from within the familiarMicrosoft Office environment.

SlaterLabs69 OrenseMadridSpain 28020

Richard Fraser, Executive Vice PresidentTel: +44 (0) 1923 33 78 26Fax: +34 91 598 07 59rfraser@slaterlabs.comwww.slaterlabs.com

SlaterLabs was formed in 2005 by a group of corebanking industry veterans to develop the world’s firstfully .NET compliant, end-to-end core banking system.The system, known as Etude, is a 24x7, real-timeservice-oriented architecture based banking system,developed collaboratively with SlaterLabs’ bankingclients.

Banks around the world participate in the EtudeProgramme, which connects these banks via Etude-Virtuoso to the SlaterLabs development team in Madrid.Banks across the world are currently participating in theEtude Programme.

Etude is constructed and compliant with the mostcurrent Microsoft .NET technologies including BizTalk,Visual Studio and SQL Server 2005.

The business function highlights include multi-currency, multi-bank and multi-language support, and asophisticated product builder to facilitate rapid newproduct development and launch.

CORE BANKING – COMPANIES A-Z

25

Fair Isaac Corporation901 Marquette AvenueSuite 3200MinneapolisMN 55402USA

Tel: +1 612 758 52 00Fax: +1 612 758 52 01info@fairisaac.comwww.fairisaac.com

Fair Isaac Corporation combines trusted advice, world-class analytics and innovative applications to helpbusinesses make smarter decisions. Fair Isaac’s solutionsand technologies for enterprise decision management(EDM) turn strategy into action and elevate businessperformance by giving organisations the power toautomate more decisions, improve the quality of theirdecisions, and connect decisions across their business.

Clients in 80 countries work with Fair Isaac toincrease customer loyalty and profitability, cut fraudlosses, manage credit risk, meet regulatory andcompetitive demands and rapidly build market share.As a provider of EDM solutions, Fair Isaac is a leader inpredictive analytics as well as business rulesmanagement, helping lenders turn business intelligenceinto action more quickly and cost-effectively.

Our product portfolio includes leading solutionsacross the banking customer lifecycle, from marketingand account origination to fraud protection, customermanagement and collections/recovery. We introducedthe concept of credit scoring in financial services, andhave developed breakthrough analytic applications forother industries. Among our industry-standard productsare the FICO score, which is the standard measure ofcredit risk in the US, and Blaze Advisor business rulesmanagement system, recognised as the worldwiderevenue leader in rules management systems by analystfirm IDC.

FinArch LtdTabernacle Corporate Centre52-58 Tabernacle StreetLondon EC2A 4NJUK

Karien PypeTel: +44 (0) 207 549 78 05Fax: +44 (0) 207 549 78 37karien.pype@finarch.comwww.finarch.com

With offices in the major financial centres worldwideservicing a global customer base of banks and financialinstitutions, FinArch has built a strong reputation as avendor or partner for financial, risk and compliancesolutions.

FinArch prides itself on its unrivalled niche expertise,its in-depth knowledge of local and global bankingpractices, and its successful partnerships withcustomers, regulators, consulting firms and technologyproviders.

The company’s new generation of financialmanagement and business intelligence software,Financial Studio, is the first fully integrated financeresource planning solution. Financial institutionsaround the world – including many of the leadingnames in the industry – use Financial Studio to drivetheir financial management activities.

Financial Studio’s scalable and modular componentsare designed to support truly global operations and areeasily integrated with large and complex enterprisearchitectures through service-oriented architecture(SOA)/enterprise service bus, message broker systems ordirect interfaces.

FinArch strives for easy integration in a service-drivenenvironment. Thanks to its revolutionary deploymentsystem, Financial Studio is able to expose all of itsfunctionality as Software-as-a-Service. Additionally,FinArch caters for a varied approach in which service-oriented integration is mixed with classical means ofintegration allowing a gradual migration toward a fullSOA.

Core Banking Partner Guide 2008

Clear2PaySchaliënhoevedreef 20A (Mechelen Campus)B-2800 MechelenBelgium

Derek Upton, Marketing ManagerTel: +32 15 79 52 00Fax: +32 15 79 52 01info@clear2pay.comwww.clear2pay.com

Clear2Pay is an innovative payments technologycompany focused on delivering globally applicablesolutions for secure, timely and streamlined paymentsprocessing. Clear2Pay’s Open Payment Framework(OPF) enables financial institutions to improve internalpayments processing efficiencies while at the same timeproviding their clients with better payment services thatare faster, with richer payments-related information.

The Clear2Pay OPF is a library of componentbuilding blocks from which payments solutions can bederived. The OPF is built entirely on a service-orientedarchitecture (SOA) delivering common, reusableservices consisting of a comprehensive data model,choreographed payment business processes andconfigurable services including parsing, validation, cost-based routing, warehousing security, auditing and manymore. From this core framework, Clear2Pay has createdpre-defined solutions including domestic andinternational payments, SEPA, Check ImagedProcessing, EBPP, and remittance.

Clear2Pay’s core OPF ships with a comprehensiveSoftware Development Kit (SDK). The SDK changes theparadigm of a ‘buy versus build’ decision to ‘buy andbuild.’ Through documented APIs, customisationpatterns and a suite of reusable frameworks, the SDKoffers our customers the ability to add, change andround out components to meet their uniquerequirements.

EFS TechnologyThe MaltingsGreen DriftRoystonSG8 5DYUK

Mike Rogers, Sales ManagerTel: +44 (0) 1763 24 52 50mr@efstechnology.comwww.efstechnology.com

EFS Technology’s AutoFORM LaserNet output anddocument management software cuts the cost and timeinvolved in converting standard core banking outputdata into attractive, multi-language banking statements,transaction-driven client letters and any other client-driven document. AutoFORM LaserNet allows banks totake control over producing consistently brandeddocuments with regional variations to meet differingcultural and tax requirements, including double-byteprinting for Asian, Cyrillic and Eastern languages. Thesedocuments can then be delivered to network printers, e-mail, fax or XML.

As the volume of information from both paper andelectronic sources grows, so does the need to managedocument records more efficiently. AutoFORM helpsyou meet these challenges with a host of documentimaging and computer online data archiving facilities.Banks can take advantage of distributed scanning intheir branches for documents such as mortgageapplications.

Residing on a Windows server as a standard service,AutoFORM LaserNet enables banks to use technologysuch as XML, Web services, file monitoring, .NETapplications and application programming interfaces tointeract with other systems. This allows AutoFORMLaserNet to act as the central hub for all data transferand document production and management.

CORE BANKING SERVICES – COMPANIES A-Z

OUTPUT & DOCUMENT MANAGEMENT

27

GaleForce Solutions990 HomerVancouverBCCanadaV6B 2W7

Kirk Herrington, CEOTel: +1 604 682 58 55Fax: +1 604 682 58 11info@galeforcesolutions.comwww.galeforcesolutions.com

GaleForce Solutions Inc. is a leading provider ofcustomer relationship management (CRM) software forthe financial services industry.

GaleForce CRM for Financial Services is anenterprise-class application uniquely suited to the dailyworkflow of client-facing producers in the financialservices industry, including commercial and retail banksand credit unions, and wealth management, investmentbanking and capital markets firms.

Account and portfolio managers, financial advisors,lenders and traders can all use GaleForce CRM toorganise, present and track information about theirclients, driving workplace productivity, sales revenueand client acquisition and retention strategies.GaleForce CRM drives efficiencies and revenue forcompanies in one of the world’s leading growthindustries.

GaleForce leverages Microsoft CRM as the coreplatform and a modern architecture that provides acomposite service-oriented architecture-baseddevelopment and integration methodology.

Granville Associates4 Lombard StreetLondonEC3V 9HDUK

Mike Bull, Marketing ManagerTel: +44 (0) 207 190 28 83mike.bull@granvilleassociates.co.ukwww.granvilleassociates.co.uk

Granville Associates provides business intelligence (BI)solutions for banks.

These BI solutions extract and transform data frombanking systems and populate a generic banking datamodel to create a fully reconciled source of reliablebanking information in a single managementinformation layer – that is, one version of the truth.

All Granville solutions use a common architectureconsisting of:• Data warehouse: SQL Server 2005 (Enterprise) –

contains a Granville’s generic banking data model • Adaptors: packaged extract, transform and load (ETL)

developed with SQL Server Integration Services(SSIS). These adaptors automatically extract datafrom banking systems, then transform and load itinto the data warehouse.

• Online analytical processing (OLAP) software:Cognos TM1 – with default cubes and views suppliedso users can start analysing their data immediatelyand perform quick, sophisticated analysis, modellingand charting.

Granville combines all these components in complete BIproducts which can be installed out of the box, allowingbanks to go live within two months and immediatelystart realising benefits. Granville also provides standardBI applications.

The solutions are easily extensible, allowing data frommany banking systems in many locations to be added toa single solution, thus creating an enterprise-widebusiness intelligence capability.

Core Banking Partner Guide 2008

FircoSoft37 Rue de Lyon75012 ParisFrance

Tel: +33 144 67 24 00Fax: +33 144 67 24 48info@fircosoft.comwww.fircosoft.com

Founded in 1992, FircoSoft has been a member of theSword Group since 2000.

FircoSoft is a leading provider of WatchList filteringand financial message repair solutions. FircoSoft’sWatchList filtering solution, OFAC-Agent Suite, helpsfinancial institutions comply with embargoes andreinforced international regulations on terroristfinancing, by eliminating the risk of processing illegaltransactions and detecting high-risk financial customersand counterparts. OFAC-Agent Suite addresses the goalsof real-time transaction filtering and Know YourCustomer (KYC).

STP Factory is a complete offering to improve theautomated processing of bank-to-bank transactions bytransforming, fixing and completing rejected paymentand securities messages.

FircoSoft’s solutions are simple and quick to deploy,and 315 customers in more than 50 countries(representing 650 live sites worldwide) now useFircoSoft’s WatchList filtering solutions.

FiservFiserv Europe Ltd7 Roundwood AvenueStockley ParkUxbridgeUB11 1AXUK

Robin Churchill, Partner Manager EMEATel: +44 (0) 208 833 31 30robin.churchill@fiserv.comwww.fiservcbs.com

Fiserv provides information management and electroniccommerce systems and services to the financial servicesindustry. Headquartered in Brookfield, Wisconsin withoffices worldwide, the company has more than 21,000clients.

A key part of Fiserv’s service-oriented architecturestrategy, Aperio streamlines sales and service operationsto improve efficiency, increase cross-sell and up-sellopportunities and optimise the customer experience viaits .NET integration layer. Aperio adeptly integratesmultiple back-end systems and channels, bringingtogether customer and product information in a deep,real-time, holistic view of customer relationships. Thisallows bank staff to interact with an intuitive, process-based user interface for all sales and service interactions,shielded from the complexity and constraints of legacysystems.

Real-time predictive analytics within Aperio also helpbanks to execute the most suitable cross-sell, retention,data gathering and risk management strategies duringeveryday customer interactions based on up-to-the-second customer information.

Fiserv Aperio is one of a wide range of leadingMicrosoft-based solutions for financial services fromFiserv. Others include the NetEconomy financial crimemanagement suite, IPS Sendero financial and credit riskmanagement solutions, Imagesoft Nautilus enterprisecontent management solution and credit union coreprocessing solutions from Integrasys.

CORE BANKING SERVICES – COMPANIES A-Z

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NetEconomyLoire 200-2022491 AM The HagueNetherlands

Luc Querton, Worldwide Alliances DirectorTel: +31 704 52 54 40Fax: +31 704 52 54 44info@neteconomy.comwww.neteconomy.com

NetEconomy was founded in 1993 and is a business unitof Milwaukee-based Fiserv Inc, a Fortune 500 companythat provides information technology services to thefinancial industry worldwide.

NetEconomy monitors customer activity and financialtransactions and alerts users to potential suspicious activity.The solution then drives users through investigation, casetracking and reporting using a step-by-step workflow withbuilt-in case management and full audit trail. Keycapabilities include intelligent transaction monitoringbased on multiple detection techniques including pre-builtdetection scenarios, behavioural profiling, filtering, peergroup analysis, link analysis and static risk factor analysis.These approaches are uniquely combined to generate onlythose alerts with the highest degree of risk, significantlyminimising the number of false positives.

NetEconomy’s ERASE Financial Crime Suite comprisesfour business modules hinged on the ERASE RiskFramework, providing case management, workflowmanagement, investigation capabilities and automatedreporting:• ERASE Compliance Manager – An anti-money

laundering solution that monitors transactions toautomatically detect suspicious activity; includes user-friendly investigation and case management system, andautomated regulatory reporting.

• ERASE Fraud Prevention Manager – Provides real-timedetection for various forms of fraud including chequefraud, debit card fraud, credit card fraud and identitytheft.

• ERASE Market Surveillance Manager – Prevents marketabuse, insider trading, minimises trading risk andensures compliance with regulatory requirements.

Portrait SoftwareThe Smith CentreThe FairmileHenley-on-ThamesOxfordshireRG9 6ABUK

Sarah Haskell, Chief Marketing OfficerTel: +44 (0) 1491 41 66 00contactus@portraitsoftware.comwww.portraitsoftware.com

Portrait Software provides Intelligent Dialogue softwarethat helps financial services firms to deliver greatcustomer experiences, increase sales, drive down costsand manage risk.

Portrait provides an Intelligent Dialogue platform thathelps large retail financial services software vendors,integrators and outsourcers to develop process-drivencustomer experience management applications muchfaster.

Portrait specialises in applications that drive criticalcustomer experience processes, including real-timecustomer interactions and the longer-term follow-upprocedures that can involve many different systems,departments and partners.

Using Portrait, banks can identify and optimise keycomponents of their front-end business processes tostreamline sales and service operations. This improveschannel efficiencies, increases cross-sell and up-sellopportunities and optimises the customer experience.Based on .NET and deployed over a service-orientedarchitecture, Portrait adeptly integrates multiple back-end systems to deliver a 360-degree view of thecustomer which includes predictive customer insight.This then allows bank staff to have smarter, process-based interactions and shields all users, includingcustomers, from the complexity and constraints oflegacy systems.

Core Banking Partner Guide 2008

MisysMisys (Opics Plus Development Center)123 Main Street8th FloorWhite PlainsNY 10601USA

David Stewart, Product ManagerJessica Buhl, Product Marketing ManagerTel: +1 914 428 72 00Fax: +1 914 428 07 95david.stewart@misys.com; jessica.buhl@misys.comwww.misysbanking.com

Misys Opics Plus is an award-winning .NET service-oriented, front to back office, core treasury, capitalmarkets and derivatives solution. On a single platform,it processes vanilla and complex derivatives, fixedincome, equity and treasury trades while managing riskand compliance.

Opics Plus delivers optimal performance andfunctionality with Microsoft-endorsed architecture,enabling multi-tiered and parallel processing. Thisservice ensures usability while providing scalability thatcan meet future volume growth.

The flexibility of the design includes an intuitive userinterface, a customisable desktop and an openarchitectural framework that keeps the smart clientseparate from the core Opics Plus processing (allowingeasy substitution of an alternative user interface).

Opics Plus is a proven solution enabling our clientsglobally to meet their current and future business needs.The proven breadth and depth of coverage and thefinancial stability of Misys, as well as local expertise,make Opics Plus the appropriate solution for our broadand diverse customer base.

Misys is a Microsoft Key Capital Markets PartnerSolutions provider and a Microsoft Global IndependentSoftware Vendor in the financial services industryvertical.

N4 Solutions LimitedN4 ExperianTalbot HouseTalbot StreetNottinghamNG80 1THUK

Gary Muchmore, Sales and Marketing DirectorTel: +44 (0) 1285 85 22 00Fax: +44 (0) 8706 08 51 20gary.muchmore@n4s.co.ukwww.n4s.co.uk

N4 Solutions’ business is the development of multi-channel mortgage sales and origination systems andwealth management platforms. N4’s product is widelyregarded as one of the most innovative and effective in themarket today, providing mortgage lenders and financialplanning firms with a functionally rich multi-channelsolution for managing the entire sales and originationprocess from initial customer engagement, through to saleand completion. Importantly, the system provides not justthe means to transact business, but also the ability forclients to fully customise each sales process, thusoptimising the customer engagement within the varioussales channels and providing genuine differentiation.

XML toolkit-based technology has been used toconstruct the system components, enabling rapidcustomisation and deployment of the system andresulting in reductions, both in implementation costsand in time to market. Similarly, once the system hasbeen implemented, further business change can berapidly and cost-effectively accommodated.

Underpinning the N4 platform is Microsoft .NETtechnology, including Windows Workflow Foundationwhich provides the management of both automated(orchestrated) and manual workflow tasks.

The N4 platform design is service-orientedarchitecture (SOA), and the architecture benefits fromhaving common interfaces with and to core services.This fundamental design principle provides clients withcomplete flexibility and allows key parts of the systemto be replaced with either existing client solutions orour clients’ preferred third-party solutions.

CORE BANKING SERVICES – COMPANIES A-Z

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Micro FocusThe Lawn27-30 Old Bath RoadNewburyBerkshireRG14 1QNUK

Peter Duffell, Head of Global Product SolutionsTel: +44 (0) 1635 326 46Fax: +44 (0) 1635 339 66peter.duffell@microfocus.comwww.microfocus.com

Micro Focus provides innovative software that enablescompanies to dramatically improve the business valueof their enterprise applications. Micro Focus enterpriseapplication management and modernisation softwareenables customers’ business applications to respondrapidly to market changes and embrace modernarchitectures with reduced cost and risk.

Our banking solutions help drive the innovationagenda through reuse of existing assets to enhanceoperational efficiency, allowing business growth toaccelerate with the adoption of strategies such as Webenablement and service-orientated architecture.

Application Portfolio Management – Enables the CIO toalign IT spend with business strategy, by providingfactual business intelligence for informed decisionmaking Application Modernization – Providing choice, supportinga wide range of modernisation strategies regardless ofyour existing or future hardware and softwareenvironments.Micro Focus SOA Express – Enables the modernisation ofexisting mainframe applications by unlocking thebusiness value embedded within those applications anddelivering them to a service-oriented architecturethrough Web services at very low risk.

PKS Software GmbHGeorgstrasse 1588214 RavensburgGermany

Karlheinz PeterTel: +49 751 56 14 00peter@pks.dewww.pks.de

PKS Software is specialised in application migration andreengineering. This covers tool-based extraction of userinterface functionality from legacy applications,including transformation to .NET as well as completeplatform and database migrations. Existing legacy assetscan be analysed and transformed according to custom-specific rule sets to move step-by-step into a service-oriented architecture without the need to rewrite thesystem.

ASNA31 Frederick Sanger RoadSurrey Research ParkGuildford, SurreyGU2 7EPUK

Derek Cooper, Managing DirectorTel: +44 (0) 1483 57 06 66Fax: +44 (0) 1483 57 81 91derek.cooper@asna.comwww.asna.com

ASNA provides sophisticated enterprise applicationdevelopment products and services that propelbusinesses to higher levels of performance and agilitywhile extending the value of their investments in IBMmidrange (iSeries, AS/400 and System i) enterpriseapplications and the resources used to support them.

ASNA developer solutions include:• Highly-evolved, modern application development

solutions• Knowledgeable and dependable technical support• Superb education and training• Comprehensive consulting services.

ASNA products and services help couple iSeries 400enterprise databases, existing data processes and dataflows with modern user interfaces such as Windowsclients, browsers and even mobile devices. We do thisby:• Providing application developers with rich and deep

solutions to create, maintain and extend modernsolutions

• Extending the reach of existing development teamprogramming skills

• Leveraging existing RPG application investments.

ASNA is a Microsoft Gold Certified Partner, a VisualStudio Industry Partner and a founding member of theMidrange Alliance Programme. ASNA is an AdvancedTier Member of IBM PartnerWorld whose products haveachieved ‘Server Proven’ status and appear on the IBMSystem i Innovation Developer Roadmap.

Lansa3010 Highland ParkwaySte. 275 Downers GroveIL 60515USA

Sherry BarnvosTel: +1 630 874 7 0 71Fax: +1 630 874 70 01inquiries@lansa.comwww.lansa.com

Lansa provides organisations with a highly productivedevelopment, integration and modernisation platformthat speeds up the development, maintenance anddeployment of commercial applications for theMicrosoft platform.

Fidelity Information Systems, a Lansa partner, usedLansa to build a commercial lending package calledAdvanced Commercial Banking System (ACBS), whichprovides commercial lending institutions with acomprehensive, cost-effective way of managing andservicing commercial lending portfolios. Multi-currencyand Euro ready, ACBS handles multiple fee and pricingstructures, as well as complex loan products such assyndications. ACBS customers include many of theworld’s largest financial institutions, as well as manysmall regional and private banks.

In addition to Fidelity Information Systems, otherpartners have used Lansa to build packages for portfoliomanagement, funds management, investmentmanagement, loan management, deposit management,mobile banking, Internet banking and electronic fundstransfer networks. Other customers within the bankingindustry use Lansa technology internally to rewrite orextend their own homegrown or purchased bankingapplications.

Beyond creating new applications, Lansa has theability to migrate or integrate your existing legacyapplication assets with Microsoft’s platform, whileadopting new technologies such as service-orientedarchitecture and Web services.

CORE BANKING MIGRATION TOOLS – COMPANIES A-Z

Core Banking Partner Guide 2008

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Core Banking Partner Guide 2008