The IBM Financial Services Sector
Consulting Approach
IBM金融服务咨询
March 2001
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AP BIS FSS Organization
FINANCIAL MKTS
V Balasubramanian
Segment Executive
Lam Wei Choong
BIS Executive
BANKING
Elie Agzarian
Segment Executive
INSURANCE
Paul Miller
Segment Executive
ARCHITECTURE
Sherman Lau
Principal
Core Banking
Delini Jayatilaka
Principal
R/M&A
Elie Agzarian
Principal
CRM
Dorothy Beagley
Principal
RM / Trading
Philip Straley
Principal
STP/Ops/ E-Mkts
Andrew Bremner
STP/Emkts Leader
BI / DW
Kenneth Chou
Principal
Wimala Widjaya
Manager
Paul Johnston
Mging Consultant
R Govidarajoo
Exec Consultant
R/M&A
Judy Kon
Principal
R/M&A
Paul Tan
Principal
David Chan
Julia Checchia
Denise Hoh
Yeo Siok Yong
Ong Wee Ling
Suresh Ketharam
Ng Shu Hann
Rosiani Gunawan
Katrina Kon
Ng Tock Soon
Arry Latief
Varun Sabhlok
Daud Setiwan
Premwat Kusollerkdee
Loh Kah Lee
Carol Teo
Yohika Minowa
Ryoji Takeuchi
Atsushi Fukuda
Tao Sun
Ian Goh
Malini Tharumalingam
Paul W Robinson
Colin Stewart
Gary Goh
David Wang
Samuel Chan
John Chiah
Rajesh Venkartarman
Lau Weng Fatt
Jon Yeo
Daniel Ng
Madeline Yap
Stella Lum
Benjie Castro
Claudia Loh
John McBain
R/M&A
Ichio Suzuki
Japan Leader
Ng Tock Soon
Chang Kam Lan
David Brisbane
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Subject Matter Experts 行业专家
Deep industry specialization and domain knowledge
深入的行业专向及领域知识
Ex-bankers turned consultants
具备多年银行从业经验的专家
Proven good synergy when combined with IBM IT architects
团队协助精神结合IBM的IT专家
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DEPOSITS/
LOAN/
CIF
存款/贷款/客户信息系统
Custody/
Securities
托管/证券
Trade
Finance
贸易项金融
Electronic Banking
System
电子银行系统
LEGACY
SYSTEMS
传统系统
Funds
Transfer
转帐
Corporate Banking – Where It Used To Be
对公银行 - 过去
Telephone
电话
Fax
传真
Over the counter
柜台
CUSTOMER
ACCESS
CHANNELS
客户渠道
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Middleware
Deposits/
Loans/CIF
Funds
Transfer
Custody/
Securities
Trade
Finance
EXTERNAL
NETWORKS
BACK-END LEGACY SYSTEMS
Application
Server
Internet
Server
Browser-based
Inquire &
initiate
transactions
Internet
Call
Centre
Corporate
Network
DATA
ACCESS
LAYER
数据层
SERVICES
LAYER
服务层
CUSTOMER
ACCESS
CHANNELS
客户渠道
Terminal
WAP
Gateway/
Server
Mobile
Phone
Phone
Banking
IVR
PSTN
Corporate Banking – Where It Is Heading
对公银行-将来
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多渠道电子银行IT架构图
主机/核心业
务系统
客户服
务中心
柜员
网上银行
移动银行
自助式
信息亭
手机银行
Internet
Gateway
UP/WAP
Gateway
Internet
Gateway
PBX
CTI
IVR
Datebase
Server
Transaction Gateway
MQseries Server
Websphere Application server
e-Business
Banking
Aapplication
(WSBCC)
CIF/客户信息
系统
Date warehouse
决策
支持
系统
数据挖
掘/决策
支持
Visal warehouse
DB2 OLAP Server
Websphere
Intelligent Miner
支
行
系
统
DB2
办公自动化
其它业务
DB2
BI
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The IBM Consulting Approach
IBM 咨询方法
CORPORATE BANK对公银行
C/A
Loans
Funds Transfer
Trade
GL/MIS
DISCOVERY
PACKAGE
SELECTION
IMPLEMENT
OPERATE
Current State
Analysis
现状分析
Process Redesign
流程再设计
Future State Projections
未来规划
Strategic Gap Analysis
战略差距分析
Request for
Information
请求信息
Request for
Proposal
请求建议
Conference
Room Pilot
模拟实施
Test of
Assumptions
设想测试
Project Office
Management
项目管理
Systems
Integration
系统集成
Enterprise
Application
Integration
企业应用集成
Managed
IT operations
管理IT
Helpdesk
Support
Helpdesk 支持
Consulting
downstream
BIS
Strategic
Outsourcing
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IBM’s End-to-End Methodology
IBM 端到端方法 论
The Example used in the following slides is of a Bank setting up a new line- of- business – Payments and Cash Management
It illustrates our end-to-end methodology - from vision to business and IT solution and finally implementation.
The same methodology can be applied to a different line of business . Loans, Trade Finance or the entire Corporate Bank family of products.
We can take a consulting recommendation from 30,000 feet and implement it at ground level
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Example - Bank A‘s Vision
例：A银行的期望
Back in Sep 2000 Bank A’s senior management team communicated the following reasons for changing its core payments system:-
To defend its dominant position in cross border and vostro clearing business.
To lay the infrastructure for building and growing its annuity income lines of business:
> Domestic local high-value clearing
> Cash Management
> e-Commerce
Update
Meeting
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Convert Vision into Specific Objectives
将期望转变为实际目标
Specifics goals 具体目标
- Start up new line-of-business
- Increase fee based annuity income to help declining margins in loans.
Approach 方法
- Centralized versus De-centralized ?
Constraints 制约条件
- Branch infrastructure.
- Communications network, bandwidth
- Solution (Business & IT)解决方案
- Select a funds transfer business application
- Overall fit into bank’s IT environment
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The proposed Funds Transfer system will bring about significant benefits to Bank A:
建议的转帐系统将给A银行带来巨大的利益
Benefits
Of FT System
Greater
Automation
加大自动控制
Reduced
Operational
Risk
降低运作风险
Sophisticated customer CIF for Funds Transfer
Rule-based routing/processing
Interfaces to other existing systems in the bank
Interface with Cash Management
Higher STP
Comprehensive Audit Trail
Multiple authorization/payment discretion
Duplicate checking
Disaster Recovery
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The proposed Funds Transfer system will bring about significant benefits to Bank A:
建议的转帐系统将给A银行带来巨大的利益
Benefits
Of FT System
Credit &
Liquidity
Control
贷款及偿债力控制
Product &
Client Service
Differentiation
区分产品与客户服务
Queuing and prioritization
Intra-day credit line
Bilateral limit/net debit cap
Sophisticated CIF for Funds Transfer clients
Better infrastructure for new cash management and e-commerce business
Centralization
集中模式
Input from branches via Fax and Web
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The Funds Transfer system will be able to automate a number of existing manual processes:
中国最大的资料库下载
利用转帐系统自动化手工流程
Benefits
Of FT System
Automate 自动化
Message sorting and routing (paper-based)
Manual advising of incoming payments to clients via phone
FX Contract: Manual operation in another system
Top tier customers treated as exception items (special FX rate/fee)
Funds Control: Manual checking
Manual credit for non-resident FCD accounts
Manual Process 手工流程
Auto-routing based on information (electronic)
Auto-fax/e-mail advice
中国最大的资料库下载
“One-stop processing”: link to FX Contract system
Tiered pricing applied automatically
“Auto-release” of payments based on rules and priority assignments
Auto-credit for non-resident FCD accounts
Current State现状
Future State将来
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Selection Process 选定流程
Funds
Transfer
System
Project Two
Request
For Info.
Develop
RTT
Scripts
Study &
Design
Processes
Round
Table Test
Request
for
Proposal
Site
Visit
Final
Recommen-
dation
25 Sep 2000
2 Mar 2001
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Workflow Process 工作流
Recap
Study
Processes
Interviewed users from various departments
Studied and analysed the current state operations of payments.
Designed the future state operations, with the new FT application in mind, by benchmarking current workflow to leading market practices.
Identified gaps inherent in the current state operations in order to facilitate the change management process.
Confirmed with Bank A on their readiness to accept new workflow and willingness and ability of IT to incorporate the new funds transfer application into the existing IT infrastructure.
Design of
Future State
Processes
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Selection Process 选定流程
From the original list of fourteen vendors, four were eliminated via RFI(请求信息) process
The four participated in a structured script driven, Conference Room Pilot selection exercise.
Vendor A & Vendor B met our requirements and received RFPs(请求建议).
Funds
Transfer
System
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Develop
RTT Scripts
RTT Script
With an understanding of the workflow, designed a Round Table Test Script.
The RTT Script was closely modelled after Bank A’s future state operations to ensure that the system will meet Bank A’s requirements.
Various scenarios were set-up and distributed to the vendors for demonstration.
Recap
Round Table Test (RTT) “会议室”测试
4 Vendors participated
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Request For Proposal
Table of Contents Page
Background 6
Vendor Profile 12
Business & Functional Requirements 14
Technical Solution 33
Implementation & Trg 46
Support & Maintenance 49
Pricing 51
App A – Transaction Vol 57
App B - Standing Data 58
App C - Technical System Info 61
App D – Network Diagram 62
RFP Contents
RFP was issued to Vendor A and Vendor B for response to the following sections:
为取得以下建议，RFP被派发到供应商A和B
Requirements finalized and Validated based on inputs from Global Payment Services, Treasury, Audit & IT Departments
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Benefits to the Bank
为银行带来的利益
Help customer transform their vision, of becoming the number one payments and cash management bank, into reality in quick time. 迅速帮助客户转变构想成为支付和现金管理第一的银行
Translated into specific objectives:-
- low cost, high volume producer of payments
转变成具体目标：低成本、高效快速的大批量支付
- multiple channel access for customer and branches
为用户及分行提高多渠道
Secured Fax
Browser Based Transaction Initiation
Phone
- allow easy access of real time information
方便、实时获取信息
RFP
Evaluation
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多渠道电子银行IT架构图
主机/核心业
务系统
客户服
务中心
柜员
网上银行
移动银行
自助式
信息亭
手机银行
Internet
Gateway
UP/WAP
Gateway
Internet
Gateway
PBX
CTI
IVR
Datebase
Server
Transaction Gateway
MQseries Server
Websphere Application server
e-Business
Banking
Aapplication
(WSBCC)
CIF/客户信息
系统
Date warehouse
决策
支持
系统
数据挖
掘/决策
支持
Visal warehouse
DB2 OLAP Server
Websphere
Intelligent Miner
支
行
系
统
DB2
办公自动化
其它业务
DB2
BI
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Thank You
The
End
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