It 2 bian case studies june 2013 k_ketels

Selected Case Studies

Kris Ketels

SWISS forum for financial standards

Oct 17th 2013

Copyright BIAN 2013 | Banking Industry Architecture Network

Agenda

SunGard

IBM (BIAN - IFW)

Microsoft

ING - Infosys

SAP (2x)

Scotiabank

Singapore Management University

2

Copyright BIAN 2013 | Banking Industry Architecture Network 3

Ambit Core Banking is based on the Banking Industry Architecture

Network (BIAN) standards and built using a componentized

service-orientated architecture, allowing banks to implement only

the functionality they require in a manageable and phased way.

This approach also enhances a bank’s organizational agility as it

helps the bank to adapt more quickly to market changes

www.sungard.com

Service Orientated Discovery & Analysis = SODA

www.sungard.com

What is SODA?

• SunGard’s Service-Oriented Discovery and Analysis (SODA) is an

approach based on BIAN’s methodology and approach, to discover

services by mean of finding the right model for a complex problem

• SODA consists of the following:

1. A set of templates that are based on AMBIT Reference

Architecture and BIAN’s Methodology and Standards:

2. A Service Landscape

3. A unify semantics that is used to govern the methodology

www.sungard.com

SunGard’s adoption of SOA & BIAN’s service Landscape

Subject Characteristics

Business

Domain

• Grammar for organizing service domains

• Arbitrary, but necessary for conversation

• Meaning is context driven

• Multiple responsibilities, 1 business purpose

Service Domain • One focus object

• Unique responsibility, collection of capabilities

• Business separable organization unit

• Handles ever relevant occurrence – “complete”

• End-to-end lifecycle

Service • Single activity in a business function

• Distinct purpose

• Fails the sub-domain test

Service

Operations &

Components

• Utility / tool

• No independent business value

• Inherently re-useable

• Loosely coupled to business actions

www.sungard.com

SunGard’s service identification approach

Business Domain

Service Domain

Service operations

Business Area

Service Groups

Business Functions

Responsibility

Existing assets

Capabilities Service

Repository

BIAN Sungard

www.sungard.com

Putting it all together with BIAN

www.sungard.com 9

Non IT and HR Enterprise Services

Payments Account Management

Collateral Administration

Operational Services

Business Planning

Bank Portfolio & Treasury

Regulations & Compliance

Models

Corporate Banking Products

Trade Finance

Corporate Financing & Advisory Services

Market Operations

Wholesale Trading

Investment Management

Consumer Services

Cards

Consumer Loans & Deposits

Marketing

Servicing

Customer Mgmt

Sales

Channel Specific

Product Management

Market Data

Party

External Agency

IT Management

Cross Product Operations

Payments Execution

Cheque Processing

Cash/Currency Inventory

Wire Room

Transaction Engine

Cash Account Record

Position Management

Accounts Receivable

Account Reconciliation

Fraud Detection

Reward Points Account

Collateral Management

Collateral Asset Administration

Collections

Consolidated Customer Activity

Card Issuance

Rewards Points Administration

Billing Services

Corporate Credit Facility

Corporate Loan

Cash Mgmt & Account Svs

Cheque Lock Box

Letter of Credit

Bank Guarantee

Trade Finance Services

Corporate Finance Services

M&A Advisory Services

Corporate Tax Advisory Svs

Public Offering

Private Placement

Mutual Fund Administration

Hedge Fund Administration

Unit Trust Administration

Order Allocation

Clearing & Settlement

Securities Fails Processing

Trade/Price Reporting

Custody Administration

Customer Entitlement Admin.

Securities Valuation

Trading Book Oversight

Dealer Workbench

Market Making

Assisted Trading

Program Trading

Market Trading

Order Management

Investment Portfolio Planning

Investment Portfolio Analysis

Investment Portfolio Mgmt

eTrading

Currency Exchange

Remittance Services

Trust Services

Brokered Product

Bank Drafts & T Checks

Consumer Investments

Card Facility

Card Authorization

Card Capture

Merchant Relations

Card Billing & Payments

Secured Loans

Unsecured Loans

Consumer Finance

Current Account

Deposit Account

Business Development Policies

Business Development

Brand Management

Advertising

Promotional Events

Prospect Campaign Mgmt

Prospect Campaign Design

Customer Campaign Mgmt

Customer Campaign Design

Customer Surveys

Servicing Issue

Case Management

Case Resolution Analysis

Customer Case

Card Case

Customer Relationship Mgmt

Customer Agreement

Customer Product Coverage

Customer Event History

Customer Behavioral Insights

Customer Credit Rating

Account Recovery

Prospect Campaign Execution

Customer Campaign Execution

Prospect Management

Commission Agreement

Commission Transaction

Product Matching

Sales Planning

Offer Management

Underwriting

Product Expert Sales Support

Call Center Management

Branch Currency Distribution

Product Inventory Item Mgmt

Product Inventory Distribution

Branch Network Mgmt

E-Branch Management

PBX Management

ATM Network Management

Call Center Operations

Branch Network Operations

E-Branch Operations

PBX Operations

ATM Network Operations

Branch Currency Management

Product Design

Product Combination

Product Deployment

Product Training

Product Quality Assurance

Product Pricing Facility

Market Feed Administration

Market Feed Operation

Market Information Mgmt

Financial Market Analysis

Financial Market Research

Quantitative Analysis

Market Data Dissemination Adm

Market Data Dissemination Ops

Financial Instrument Maint.

Reference/Directory Mgmt

Counterparty Administration

Credit Agency Service Ops

Party Data Management

Party Profile

Credit Agency Service Agmt

Syndicate Management

Correspondent Bank Data Mgmt

Sub Custodian Agreement

Product Broker Agreement

Product Service Agency

Contractor/Supplier Agreement

Correspondent Bank Rel Mgmt

Cross Channel Servicing Position

Servicing Activity Analysis

Contact Routing

Contact Dialogue

Interactive Help

Servicing Event History

Business Command & Control

Business Unit Budget

Business Unit Financial Analysis

Business Unit Financial Ops

Business Unit Accounting

Organizational Model

Business Unit Management

Business Unit Operations

Finance Financial Statements

Financial Control

Financial Compliance Resolution

Tax Administration

Buildings, Equipment and Facilities

Property Portfolio

Site Operations

Site Administration

Equipment Administration

Equipment Maintenance

Utilities Administration

Building Maintenance

Internal Audit

Procurement

Fixed Asset Register

Legal Assurance

Supplier Management

Company Billing & Payments

Market Research

Customer Portfolio

Segment Plan

Market Analysis

Competitor Analysis

Product Portfolio

Branch Portfolio

Channel Portfolio

Stock Lending/Repos

Treasury Management

Treasury Administration

Asset Securitization

Factoring

Asset & Liability Management

Bank Portfolio Analysis

Bank Portfolio Administration

Fraud/AML Resolution

Guideline Compliance

Regulatory Compliance

Compliance Reporting

Financial Accounting

Market Risk Models

Gap Analysis

Credit Risk Models

Customer Behavior Models

Credit/Margin Policies

Production Risk Models

Operational Risk Models

Fraud Models

Liquidity Risk Models

Economic Capital

Business Risk Models

Counterparty Risk

Systems Administration

IT Policies & Plan

IT Arch Stds & Guidelines

Development Environment

System Development

Production Release

System Deployment

Systems Operations

Platform Operations

Systems Help Desk

Systems Assurance

Internal Network Operations

Human Resource Management

Business Direction

Knowledge & IP Management

Corporate Relations

Document Mgmt & Archive

HR Policies & Plan

Employee Assignment

Employee Record

Employee/Contractor Contract

Employee Certification

Employee Assessment

Employee Payroll & Incentives

Travel & Expenses

Employee Access Profile

Employee Benefits

Workforce Training

Recruitment

Corporate Strategy

Corporate Policies

Product & Service Policies

Business Architecture

Continuity Planning

Management Manual

Intellectual Property Portfolio

Knowledge Exchange

Corporate Communications

Corporate Alliance/Stakeholder

Corporate Relationship

Regulatory & Legal Authority

Investor Relations

Document Services

Archive Services

Correspondence

Corporate Products Financial Markets Consumer Products

Reference Data Sales & Service Business Support Analytics Operations & Execution

Security Services

Security Assurance

Valuation Models

Business Area Business Domain Service Domain

The BIAN Service Landscape

www.sungard.com

SODA Methodology & Vocabulary

SODA methodology: Defines the process and the necessary templates

required for Service-Oriented Discovery and Analysis.

SODA Vocabulary: Defines the vocabularies within the unify language that

will be used as a basis for semantic interoperability of EBS 3.

Related documents:

1. BIAN Service Discovery Meta-model

• Defines the process and the principles for service discovery and

modeling.

www.sungard.com

Service Landscape

Service Landscape: Illustrates how the business is modeled, and the SL

will be the main functional reference model for the EBS 3 project.

Related documents:

1. Business Areas Definitions

• Defines the role of each of the Business Area in the Service

Landscape, also the business functions, products or activities that

are not covered by the business area.

2. Business Domains Definitions

• Defines the business specialty that each Domain is focusing on,

within the Business Area.

www.sungard.com

Business Objects Definitions

Business Objects: Represents the entities in the business domain that the

program is designed to support. For example, an order entry program might

have business objects to represent each order, line items, and invoices.

Business Objects are not necessary a physical object in the real world.

Business Objects Definitions: This definition specifies the structure and

organization of the business object's attributes, values, and metadata.

View Objects: The view object made up of one or more entity objects.

Entity Objects: The entity object is similar to a table.

Focus Objects: The object to be used in the subject of discussion or

conversation. In this case, it refers to the object to be used in the sub-domain

level definition.

Semantic: The business object definitions has to follow the SODA

vocabulary, to ensure interoperability.

www.sungard.com

Business Scenarios

Business scenarios are an important technique to derive the characteristics

of the architecture directly from the high-level requirements of the business.

They are used to help identify and understand business needs, and thereby

to derive the business requirements that the architecture development has to

address.

A business scenario describes:

1. A business process, application, or set of applications that can be

enabled by the architecture

2. The business and technology environment

3. The people and computing components (called "actors") who execute

the scenario

4. The desired outcome of proper execution

www.sungard.com

All Combine to give us Ambit Core Banking

CBS 9.x

ARCH

BIAN SL

www.sungard.com

Ambit Core Banking: Reference Architecture

Simple BIAN Business Scenario

Customer initiates payment transfer (from any channel)

The target facility is checked for any payment restrictions/rules (minimum/maximum)

The current account balance is then checked

Funds are available so the transfer fee is levied to the customer and profit posted

The transfer initiated with a payment transaction

The appropriate payment channel is selected and the transaction tested for fraud/AML purposes

The customer current account is debited and the saving deposit account credited

A transaction notification message is generated for the customer

Product Design

Current Account

Customer Account

Customer Agreement

Payments Execution

Fraud Detection

Is transfer to facility allowed?

Check current balance

Provide current a/c statement

Check transfer terms

Provide facility details and terms

Capture transfer request details

Charge service fee

Initiate transfer

Capture payment & mechanism (inter a/c)

Post charge to current a/c

Invoke fraud/AML test

Execute fraud/AML transfer test

Debit customer a/c

Process debit

Deposit Account

Book service charge

Post fee to P&L a/c

Initiate notification

Post transfer debit to current a/c

Credit customer savings a/c

Process credit

Post transfer credit to deposit a/c

Provide facility payment rules

Correspon-dence

Generate transfer notification message

Scenario: The customer makes a transfer payment from their current account to a savings account

Service Domain Name Focus Object

The focus object URL Description

An outline of the business role taken from the V1.5 definition, expanded as necessary Reference Object(s)

Reference Objects

Responsibility Category

Initialize & Register

Invocation & Execution

Maintain & Analyze

Report & Notify

Responsibility Description Responsibility

Name

Delegated Service Domain

Delegated Service Description

Capability/

Delegation

Delegated Service

Operation

Service Operation

Description

Service Operation

Name

The primary activity setting up a new record

Process New Record Request

NA NA M/C NA A service used to

set up a new instance

Create Focus Object

Arrange for the set-up of a supporting customer account for the facility

Request customer account

Customer Account Set up a new account D

Create customer account

Check history to see if a similar application has

been processed/rejected

Check for possible

duplicates NA NA C NA

Check and extract amount from the balance

Debit the account

Customer Account Make a withdrawal D Withdrawal

to account

Get the account activity and calculate and apply

end of day interest

Calculate daily interest

Customer Account

Get account statement for the day D Report on

account

Update the tax accumulated positions for

the account

Maintain account tax

position NA NA C NA

Capture and verify a deposit request

Process Deposit Request

NA NA C NA A service used to make a deposit to

the account

Process Deposit



NA NA M/C NA A service used to


Create Focus Object



NA NA C NA A service used to


Create Focus Object

Capture and verify a withdrawal request

Process Withdrawal

Request NA NA C NA

A service used to make a payment from the account

Process Payment

Capture and verify a payment request

Process Transfer Request

NA NA M/C NA A service used to make a transfer from the account

Process Transfer

Make an inter-account transfer

Transfer payment

Payment Execution Make a transfer D Payment

request

Determine and apply fees to the current account

Calculate and apply fees

Customer Account Post fees to the account D Post

charges

Make payments corresponding to standing orders

Execute Standing

Orders

Payment Execution

Process Payments for Standing Orders D Payment

execution

Identify a customer account matching given

details

Query Customer Account

NA NA C NA A service used to identify/query a

customer account

Query Account

Assemble and respond to a read account request

Read Customer Account

NA NA C NA A service used to read a customer

account Read Account

Assemble a report covering many customer

accounts

Get Customer Account Report

NA NA C NA A service to read a

report covering customer accounts

Read Account Report

URL

Identifiers

Depiction

Status

Control

Session

Analysis

View

Identifiers

Depiction

Status

Control

Session

Analysis

View

Input Parameters Output Parameters

Pre-conditions

Post-conditions

URL

ID

Address

Active

Date

Caller ID

Age

Report

ID

Address

Active

Date

Caller ID

Age

Report - -

URL

ID

Amount

ID

Result - -

URL

ID

Address

Active

Date

Caller ID

Age

Report

ID

Address

Active

Date

Caller ID

Age

Report - -

URL

ID

Address

Active

Date

Caller ID

Age

Report

ID

Address

Active

Date

Caller ID

Age

Report - -

URL

ID

Am

ount

ID

Result - -

URL

ID

Amount

ID

Result - -

URL

ID

Reference

ID - -

URL

ID

ID

Reference

- -

URL

ID ID

Reference

- -

Notify subscribers on the event of an account

change

Notify Account Update

NA NA C NA


Payments Account Management



Business Planning



Models


Trade Finance

Corporate Financing & Advisory Services

Market Operations

Wholesale Trading


Consumer Services

Cards


Marketing

Servicing

Customer Mgmt

Sales

Channel Specific

Product Management

Market Data

Party

External Agency

IT Management


Payments Execution

Cheque Processing


Wire Room

Transaction Engine

Cash Account Record

Position Management

Accounts Receivable


Fraud Detection

Reward Points Account



Collections


Card Issuance

Rewards Points Administration

Billing Services


Corporate Loan

Cash Mgmt & Account Svs

Cheque Lock Box

Letter of Credit

Bank Guarantee





Public Offering

Private Placement




Order Allocation








Dealer Workbench

Market Making

Assisted Trading

Program Trading

Market Trading

Order Management




eTrading

Currency Exchange

Remittance Services

Trust Services

Brokered Product



Card Facility

Card Authorization

Card Capture

Merchant Relations

Card Billing & Payments

Secured Loans

Unsecured Loans

Consumer Finance

Current Account

Deposit Account



Brand Management

Advertising

Promotional Events

Prospect Campaign Mgmt


Customer Campaign Mgmt


Customer Surveys

Servicing Issue

Case Management


Customer Case

Card Case

Customer Relationship Mgmt

Customer Agreement





Account Recovery



Prospect Management



Product Matching

Sales Planning

Offer Management

Underwriting


Call Center Management




Branch Network Mgmt

E-Branch Management

PBX Management

ATM Network Management

Call Center Operations

Branch Network Operations

E-Branch Operations

PBX Operations

ATM Network Operations

Branch Currency Management

Product Design

Product Combination

Product Deployment

Product Training



Market Feed Administration


Market Information Mgmt




Market Data Dissemination Adm



Reference/Directory Mgmt


Credit Agency Service Ops

Party Data Management

Party Profile

Credit Agency Service Agmt


Correspondent Bank Data Mgmt

Sub Custodian Agreement

Product Broker Agreement



Correspondent Bank Rel Mgmt

Cross Channel Servicing Position


Contact Routing

Contact Dialogue

Interactive Help

Servicing Event History







Business Unit Management



Financial Control


Tax Administration

Buildings, Equipment and Facilities

Property Portfolio

Site Operations

Site Administration




Building Maintenance

Internal Audit

Procurement


Legal Assurance

Supplier Management


Market Research

Customer Portfolio

Segment Plan

Market Analysis

Competitor Analysis

Product Portfolio

Branch Portfolio

Channel Portfolio

Stock Lending/Repos

Treasury Management



Factoring

Asset & Liability Management








Market Risk Models

Gap Analysis

Credit Risk Models

Customer Behavior Models




Fraud Models

Liquidity Risk Models

Economic Capital

Business Risk Models

Counterparty Risk

Systems Administration

IT Policies & Plan



System Development

Production Release

System Deployment

Systems Operations

Platform Operations

Systems Help Desk

Systems Assurance


Human Resource Management

Business Direction


Corporate Relations


HR Policies & Plan

Employee Assignment

Employee Record



Employee Assessment


Travel & Expenses


Employee Benefits

Workforce Training

Recruitment

Corporate Strategy

Corporate Policies



Continuity Planning

Management Manual


Knowledge Exchange

Corporate Communications




Investor Relations

Document Services

Archive Services

Correspondence

Corporate Products Financial Markets Consumer Products

Reference Data Sales & Service Business Support Analytics Operations & Execution

Security Services

Security Assurance

Valuation Models

Business Area Business Domain Service Domain

The BIAN Service Landscape


Agenda

SunGard

IBM (BIAN - IFW)

Microsoft

ING - Infosys

SAP (2x)

Scotiabank


16

© 2013 International Business Machines Corporation 17

BIAN Core Team Meeting – IBM La Gaude, June 2013

FSDM FSFM FSWM

CBPs

FS-BOM BSTs

Understand and

Scope

The Issue

The Solution

BDWM FS-IDM CBP’s Expanded

Specify and

Design

Construct

Using IFW Models for Overall

Application Development



Positioning: IFW & BIAN Service Landscape

IFW Foundation Models overlaps

with BIAN Service Landscape in

scope.

FSDM & FSWM define the

vocabulary (nouns & verbs

respectively).

FSFM defines the functional

decomposition.

Process & Integration Models and

Data Models are not only

complimentary, but essential to

implementing BIAN Service

Landscape.

IFW FOUNDATION MODELS

FSDM FSFM FSWM

IFW PROCESS & INTEGRATION

MODELS

PROCESS MODELS

FS-BOM

FS-IDM

IFW DATA

MODELS

BDWM

BSTs

WCC




FSDM FSFM FSWM

IFW PROCESS & SERVICE

MODELS

APM

BOM

IDM

IFW DATA

MODELS

BDWM

BSTs

ASTs

IT Implementations

conforming to

BIAN Service Domains

IFW Foundational Models

overlap with BIAN Service

Landscape

IFW Process & Service Models

complement BIAN Service

Landscape



Positioning: IFW Process Models & BIAN Service

Landscape

For a given BIAN Service

Operation, APM provides the

detailed activity flow model that

describes the high level service

behavior.

The activity flow model includes

the activities that are performed

when the service is executed as

well as the control flow and data

flow defined over the set of

activities


FSDM FSFM FSWM


MODELS

PROCESS MODEL

FS-BOM

FS-IDM

IFW DATA

MODELS

BDWM

BSTs

WCC



Positioning: IFW BOM & BIAN Service Landscape

BOM provides the detailed

structural definition in the form of

class diagrams for the Focal

Object in Service Landscape.

Note that the Focal Object defines

the context for the BIAN Service

Operations.

BOM also describes the set of

services signatures, in the form of

use cases, for the set of

automatable activities defined in

the APM


FSDM FSFM FSWM


MODELS

PROCESS MODELS

FS-BOM

FS-IDM

IFW DATA

MODELS

BDWM

BSTs

WCC



Positioning: IFW IDM & BIAN Service Landscape

IDM provides the detailed

specifications for the participating

IT services defined in the BOM.

BIAN Service Operations help

define the boundary of business

components in the business

architecture whereas the IDM

services define the interfaces of

IT components in an SOA

solution.

IDM provides a sequence

diagram for composite services

helping to identify the constituent

atomic services and their

sequencing.


FSDM FSFM FSWM


MODELS

PROCESS MODELS

FS-BOM

FS-IDM

IFW DATA MODELS

BDWM

BSTs

WCC


Agenda

SunGard

IBM (BIAN - IFW)

Microsoft

ING - Infosys

SAP (2x)

Scotiabank


23


Microsoft and BIAN

24


Microsoft and BIAN

25


Microsoft and BIAN

26


Agenda

SunGard

IBM (BIAN - IFW)

Microsoft

ING - Infosys

SAP (2x)

Scotiabank


27


ING – INFOSYS CASE STUDY

Based on a Proof of Concept end 2011

28


Scenario: Selection

Infosys and ING jointly agreed to carry out a pilot implementation of a BIAN use-case to

Manage fund transfer from Current A/C to Saving A/C

The delivery of this pilot has been done according to the agreed acceptance criteria (see

appendix)

This particular scenario was chosen because:

It is simple to be delivered within the timeline

It is implementable in the near future in the ING Express program

It covers a number of business domains defined in BIAN and hence the pilot can showcase BIAN

coverage

The scenario is implementable in ING, and it is comprehensive

enough to showcase BIAN coverage but is still simple enough to meet

the timeline


Approach

• Internal payment transfer was selected as the business use case

• As process needed to be generic, the actual implementation might need rearrangement of orchestration as per requirement

Scope

• Requirement Analysis was carried out

• Multiple sessions conducted with ING architects/business analysts to gather and validate the requirements

ING

• BIAN documentations relevant to the usecase were analysed

• Gaps between BIAN and ING use case were identified (Service Operations)

BIAN

• Identified the BIAN service domains needed to fulfil the business use case.

• Conducted iterative demos for continuous feedback and revision mechanism from ING and BIAN architects.

Mapping ING Requirements to BIAN

• Pilot needed to keep service operation definitions as generic and reusable as possible (BIAN L3 still in work in progress state)

• Use standard format (ISO20022) and minimize message translation Service Design

• Use simple set of SOA/TIBCO products to achieve timeline and also to have wider acceptance

• Use ING Lab to test & deploy the pilot Implementation


Payments Use Case – Payments Part 1

Current Account

Customer Account

Customer Agreement

Payments Execution

Fraud Detection

Remittance Services

Wire Room Correspon-dent Bank

Customer at the branch asks to transfer funds between two active accounts. The balance availability is checked and an internal transfer initiated

Payment Execution transfers the balance between the two accounts and post the fee to the product P&L account

The customer wants to continue by remitting funds to an overseas account. The customer balance is sufficient and the identification has already been satisfied. A remittance product is initiated and the creditor/payee accounts captured. The appropriate correspondent banks and their SSIs, obtained. As the transaction is executed, fraud scanners are invoked and the SWIFT payment message generated

Scenario: The customer makes a transfer payment from their current account to a second account and then

then wires a remittance to an overseas account

Customer at the teller makes a funds transfer

1

Agreement terms checked for pricing

3

Account balance checked for funds

5

Account balance provided

7

Inter account transfer initiated

9

Creditor account debited (includes fees)

12

Creditor account debited amount + fee

14

Beneficiary account updated

15

Beneficiary account credited

17

Fees booked to product P&L account

18

Fees booked to product account

20

Customer next makes a remittance

21

Cross border details captured

23

Corresponded Bank SSI’s obtained

24

International payment transaction initiated

28

Creditor account debited (includes fees)

35

Creditor account debited amount + fee

37

Vostro/Nostro account updated

38

Correspondent Vostro/Nostro posted transfer

40

Fees booked to product P&L account

41


43

Payment parties and mechanism defined

26

Payment S.W.I.F.T. message generated

44

Payment S.W.I.F.T. message generated

46

Transaction checked for possible fraud

30

Fraud scanners run 32 Transfer executed 34

Transfer executed 11

2

4

6

8

10

13

16

19

22

25

27

29

31

33

36

39

42

45


Payments Use Case – Payments Part 2

A batch of checks is processed for deposits to current customers

For each the status of the account is checked before an internal transfer moves the funds from the ACH account to the customer account.

A Direct debit request is received and routed for processing, the mandate is found and the corresponding customer agreement checked for direct debit processing. the balanced is checked before a debit payment is initiated,

The payment is made to the vendors account through an ACH payment

Scenario: A customer check is processed and the customer account credited. Then a payment is made under

an existing Direct Debit mandate

Batch of paper checks read for execution

47 48

Check Processing

Current Account

Payment Execution

Customer Account

Correspondence

Direct Debit Customer

Agreement

Payment deposit initiated for customer

49

Status of current Account checked

50

Account active 52

Payment deposited 55

ACH balance debited for deposited payment

58

51

54

57

Account credited 53

ACH account debited 56

Receive DD payment request

59

DD payment matched to customer, agreement checked

61

Mandate covered under agreement

63

Customer account balanced checked

65

Provide current Account balance

67

Initiate funds transfer 69

Transfer executed 71

Unscheduled account withdrawal

74

Customer account debited (includes fee)

72

Debit posted to the account

76


79

ACH based payment Pending debit posted

80

ACH account debit posted

82

Wire Room

ACH DD payment made

83

ACH payment message generated

85

Direct Debit fee posted

77

60

62

64

66

68

70

73

75

78

81

84


How identified services mapped to BIAN service

landscape

Referenc

e Data

Sales and

Service

Operation & Execution Analytic

s

Business

Support Consumer

Products

Financial

Market

Corporat

e

Products

Cross Products

Operations

Customer

Management

Customer

Agreement

Consumer

Loans and

Deposits

Current

Account

Deposit

Account

Payments

Payment

Execution

Account

Management

Customer

Account

Fraud Detection

IT

Management

System

Assurance

Document

Mgmt &

Archive

Correspondenc

e

The services identified are mapped across multiple Business & Service domains in BIAN Service Landscape


Market Operations

Trading



Trade Finance

Corporate Financing & Advisory Services Marketing

Servicing

Payments

Account Management



Cross Channel

Channel Specific

Customer Mgmt

Sales


Cards

Consumer Services

Sales & Service Reference Data Business Support Analytics Operations & Execution

Financial Markets




Order Allocation








Dealer Workbench

Market Making

Assisted Trading

Program Trading

Market Trading

Order Management




Corporate Products


Corporate Loan

Cash Mgmt & Accounting Svs

Cheque Lock Box

Letter of Credit

Bank Guarantee


Taxation Services




Public Offering

Private Placement



Brand Management

Advertising

Promotional Events

Prospect Campaign Portfolio



Customer Campaign Portfolio



Prospect Management

Customer Surveys Business Planning

Market Research

Customer Portfolio

Segment Plan

Segment Assessment

Market Analysis

Competitor Analysis

Product Portfolio

Branch Portfolio

Channel Portfolio


Stock Lending/Repos

Treasury Management



Factoring

Asset & Liability Committee



IT Management Systems Administration

IT Policies & Plan



System Development

Production Release

System Deployment

Systems Operations

Platform Operations

Systems Help Desk

Systems Assurance


Buildings, Equipment and Facilities Property Portfolio

Site Operations

Site Administration




Maintenance


Financial Control


Tax Administration

Human Resource Management HR Policies & Plan

Employee Assignment

Employee Record



Employee Assessment


Travel & Expenses


Employee Benefits

Workforce Training

Recruitment

Business Direction Corporate Strategy

Corporate Policies



Continuity Planning








Business Unit Administration


Management Manual


Knowledge Exchange

Corporate Relations Corporate Communications




Investor Relations

Servicing Issue

Case Management


Customer Case

Card Case


Payments Execution

Check Processing


Wire Room

Transaction Engine

Customer Account

Position Management

Accounts Receivable


Fraud Detection

Rewards Points Account



Collections


Card Issuance

Rewards Points Agreement

Billing Services


Document Services

Archive Services

Correspondence

Product Management Product Design

Product Combination

Product Deployment

Product Training



Servicing Position


Contact Routing

Contact Dialogue

Interactive Help

Channel Management

Channel Operations


Distribution Operations

eTrading



Market Data Market Feed Administration


Market Information Management




Market Data Dissemination Admin



Reference/Directory Management


Credit Agency Svs.Operations


Internal Audit

Procurement


Legal Assurance

Supplier Management


Customer Relationship Plan

Customer Agreement





Account Recovery

Party Party Data Management

Party Profile



Product Matching

Sales Planning

Offer Management

Underwriting


Consumer Products

Secured Loans

Unsecured Loans

Consumer Finance

Current Account

Deposit Account

Card Facility

Card Authorization

Card Capture

Merchant Relations

Currency Exchange

Remittance Services

Trust Services

Brokered Product



External Agency Credit Agency Service Sub.


Correspondent Bank

Sub Custodian

Product Broker



Involved Service Domains







Models Market Models

Gap Analysis

Credit Risk

Cust. Behavior Model Portfolio

Customer Behavior Model




Fraud Models

Fraud Detection

Liquidity Risk

Economic Capital

Business Risk


Key Achievements – Leveraging BIAN Service Landscape

Able to narrow down on the actual business

process in a short duration of time

BIAN provides standard uses

cases that can be used as starting

points

Able to define a common process that

was acceptable to both ING Belgium and

Netherlands

The standard uses cases

provided by BIAN helps when

discussing with SMEs

The design was completed in a short

period

BIAN provides the service

landscape view that greatly helps

in reducing design effort

The services components built are

easily reusable in other ING projects

BIAN encapsulates

capabilities within services to facilitate

reusability


Conclusion

BIAN Service landscape is a step forward for common

understanding across banks and has the potential to open-up

the banking service landscape in a standardized way.


Agenda

SunGard

IBM (BIAN - IFW)

Microsoft

ING - Infosys

SAP (2x)

Scotiabank


37


SAP CASE STUDY

Based on a BIAN – SAP Webinar Summer 2011

38






Agenda

SunGard

IBM (BIAN -IFW)

Microsoft

ING - Infosys

SAP

Scotiabank


43

© 2013 SAP AG. All rights reserved. 44

Industry Value

Map

E2E Solution

Biz Networks &

Value Chains

Business

Process Models

Message Flow

Models

Service

Landscape

Models

SAP Product

Architecture

Project “One Voice Banking” Future setup for higher value and scalability along the SAP value chain

Business Model Solutions

Products

1. HARMONIZE:

Solutions and Business

processes

2. STANDARDIZE:

services and service

domains

3. CONNECT:

Business and IT

Non SAP

Product Models

1

3

2

4. INTEGRATE:

SAP and non SAP

Imp

lem

en

tati

on

4

1:n

http://www.value-chain.org/index.asp


Central Content Management in PowerDesigner Seamless navigation from value positioning to realization along the SAP Value Chain

Industry Value Map

E2E Solution

Business Process

Models

Message Flow

Models

Service Landscape

Models

SAP Architecture

Models

Reduce costs and

increase quality

Answer more

questions faster

Harmonized tool for

consistency and

scalability





Agenda

SunGard

IBM (BIAN - IFW)

Microsoft

ING - Infosys

SAP

Scotiabank


49


Scotiabank

50

Scotiabank’s usage of BIAN Service Landscape as a functional classification scheme for SOA Services

Scotiabank has set up a repository for storing metadata of SOA services and the BIAN Service Landscape

has been configured to be the main functional classification scheme in the repository (refer to Figure 30

below). The benefit is that an open and comprehensive standard is leveraged so that services can be

classified consistently. Without the BIAN Service Landscape, the bank would have to resort to either

creating our own proprietary classification scheme or using a vendor provided scheme. The natural

consequence of classifying services consistently is to enable the ability to analyze gaps and overlaps as

more and more services are developed.


Agenda

SunGard

IBM (BIAN - IFW)

Microsoft

ING - Infosys

SAP

Scotiabank


51


SINGAPORE MANAGEMENT

UNIVERSITY CASE STUDY

52

SMU Bank

Developed and Managed by

The School of Information Systems


The implementation of a banking enterprise

architecture, as an evolving platform for learning

Presented by: Alan Megargel, Senior Lecturer of Information Systems

54

SMU Bank

• SMU as embarked on a multiyear programme entitled “SMU Bank for

Financial Services Education”, referred to as “SMU Bank“.

• Starting from a clean sheet, we are building a “teaching bank” from the

ground up, using today’s architecture best practices.

“The mission of SMU Bank is to become a world class

‘teaching bank’, generating an on-going supply of

undergrad and postgrad student projects whereby

classroom learning outcomes can be put into practice,

leveraging industry leading banking software and

enterprise platforms.”

SMU Bank Guiding Principles

1. SMU Bank shall exist for academic purposes only, to support

banking related coursework, labs, and student projects.

2. SMU Bank shall align to, and inform, SMU’s Unified Banking

Process Framework.

3. SMU Bank shall be assembled using a mixture of vendor products,

in order to demonstrate real world change scenarios:

– A core banking system replacement

– A bank merger, whereby multiple vendor products need to coexist

4. SMU Bank shall be a platform for collaboration with banks and

product vendors, for incubating new innovations.

55

56

(Flexcube)

Internet

Banking

Mobile

Banking Teller

Core

Banking

System A

Core

Banking

System B

Algorithmic

Trading

System

Content

Management

System

Existing platforms

available at SMU

can be integrated

into a teaching

bank

Banking apps to

be developed

through student

projects Payment

Gateway

SMU Bank Conceptual Model

SMU Bank Architecture Layers

57

Channels

• Solution Architecture specified

by postgrad students

• Prototypes developed by

undergrad students

• Consume services via the ESB

using SMU Bank standard data

semantics and WS-* standards

• Used to support hands-on labs

for both undergrad and postgrad

course modules


Thank You!

Economy & Finance

It 2 bian case studies june 2013 k_ketels