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1、The IBM Financial Services Sector The IBM Financial Services Sector Consulting ApproachConsulting ApproachIBMIBM金融服务咨询金融服务咨询金融服务咨询金融服务咨询March 2001AP BIS FSS OrganizationAP BIS FSS OrganizationDavid ChanJulia ChecchiaDenise HohYeo Siok YongOng Wee LingSuresh KetharamNg Shu HannRosiani GunawanKatrina
2、KonNg Tock SoonArry Latief Varun SabhlokDaud SetiwanPremwat KusollerkdeeLoh Kah LeeCarol TeoYohika MinowaRyoji TakeuchiAtsushi FukudaTao SunIan GohMalini TharumalingamPaul W RobinsonColin StewartGary GohDavid WangSamuel ChanJohn ChiahRajesh VenkartarmanLau Weng FattJon YeoDaniel NgMadeline YapStella
3、 Lum Benjie CastroClaudia LohJohn McBainNg Tock SoonChang Kam LanDavid BrisbaneSubject Matter Experts Subject Matter Experts 行业专家行业专家Deep industry specialization and domain Deep industry specialization and domain knowledgeknowledge深入的行业专向及领域知识深入的行业专向及领域知识Ex-bankers turned consultantsEx-bankers turne
4、d consultants具备多年银行从业经验的专家具备多年银行从业经验的专家Proven good synergy when combined with IBM IT Proven good synergy when combined with IBM IT architectsarchitects团队协助精神结合团队协助精神结合IBMIBM的的ITIT专家专家DEPOSITS/LOAN/CIF存款存款/贷款贷款/客客户信息系统户信息系统Custody/Securities托管托管/证券证券TradeFinance贸易项金融贸易项金融Electronic BankingSystem电子银行系
5、统电子银行系统LEGACYSYSTEMS传统系统传统系统FundsTransfer转帐转帐Corporate Banking Where It Used To BeCorporate Banking Where It Used To Be对公银行对公银行 - - 过去过去Telephone电话电话Fax传真传真Over the counter柜台柜台CUSTOMERACCESSCHANNELS客户渠道客户渠道MiddlewareDeposits/Loans/CIFFundsTransferCustody/SecuritiesTradeFinanceEXTERNALNETWORKSBACK-EN
6、D LEGACY SYSTEMSApplicationServerInternetServerBrowser-basedInquire &initiatetransactionsInternetCallCentreCorporateNetworkDATAACCESSLAYER数据层数据层SERVICESLAYER服务层服务层CUSTOMERACCESSCHANNELS客户渠道客户渠道TerminalWAPGateway/ServerMobilePhonePhoneBankingIVRPSTNCorporate Banking Where It Is HeadingCorporate Banki
7、ng Where It Is Heading对公银行对公银行- -将来将来多渠道电子银行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InternetGatewayUP/WAPGatewayInternetGatewayPBXCTIIVRDatebaseServerTransaction GatewayMQseries ServerWebsphere Application servere-Business BankingAapplication (WSBCC)CIF/客户信息客户信息系统系统Date warehouse决策支持系统数据挖掘/决策支持Visa
8、l warehouseDB2 OLAP ServerWebsphereIntelligent Miner支行系统DB2办公自动化其它业务DB2BIThe IBM Consulting The IBM Consulting ApproachApproachIBM IBM 咨询方法咨询方法CORPORATE CORPORATE BANKBANK对公银行对公银行对公银行对公银行C/ALoansFunds TransferTradeGL/MISDISCOVERYDISCOVERYPACKAGEPACKAGESELECTIONSELECTIONIMPLEMENTIMPLEMENTOPERATEOPERA
9、TECurrent 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
10、用集成 Managed IT operations管理IT Helpdesk SupportHelpdesk 支持ConsultingConsultingdownstreamBISBISStrategicStrategicOutsourcingOutsourcingIBMs End-to-End MethodologyIBMs End-to-End MethodologyIBM IBM 端到端方法端到端方法 论论The Example used in the following slides is of a The Example used in the following slides is
11、 of a Bank setting up a new line- of- business Bank setting up a new line- of- business Payments and Cash Management Payments and Cash Management It illustrates our end-to-end methodology - from It illustrates our end-to-end methodology - from vision to business and IT solution and finally vision to
12、 business and IT solution and finally implementation. implementation. The same methodology can be applied to a The same methodology can be applied to a different line of business e.g. Loans, Trade different line of business e.g. Loans, Trade Finance or the entire Corporate Bank family of Finance or
13、the entire Corporate Bank family of products.products.We can take a consulting recommendation from We can take a consulting recommendation from 30,000 feet and implement it at ground level30,000 feet and implement it at ground levelExample - Bank As VisionExample - Bank As Vision例：例：例：例：A A银行的期望银行的期
14、望银行的期望银行的期望 Back in Sep 2000 Bank As senior management Back in Sep 2000 Bank As senior management team communicated the following reasons for team communicated the following reasons for changing its core payments system:-changing its core payments system:- To defend its dominant position in cross bo
15、rder To defend its dominant position in cross border and vostro clearing business.and vostro clearing business. To lay the infrastructure for building and growing To lay the infrastructure for building and growing its annuity income lines of business:its annuity income lines of business: Domestic lo
16、cal high-value clearing Domestic local high-value clearing Cash Management Cash Management e-Commerce e-Commerce UpdateUpdateMeetingMeetingConvert Vision into Specific ObjectivesConvert Vision into Specific Objectives将期望转变为实际目标将期望转变为实际目标将期望转变为实际目标将期望转变为实际目标- -Specifics goals Specifics goals 具体目标具体目标
17、具体目标具体目标 - - Start up new line-of-businessStart up new line-of-business - Increase fee based annuity income to help - Increase fee based annuity income to help declining margins in loans.declining margins in loans.- -Approach Approach 方法方法方法方法 - - Centralized versus De-centralized ?Centralized versu
18、s De-centralized ?- -Constraints Constraints 制约条件制约条件制约条件制约条件 - - Branch infrastructure.Branch infrastructure. - Communications network, bandwidth - Communications network, bandwidth - Solution (Business & IT)- Solution (Business & IT)解决方案解决方案解决方案解决方案 - - Select a funds transfer business application
19、Select a funds transfer business application - Overall fit into banks IT environment - Overall fit into banks IT environment The proposed Funds Transfer system will bring The proposed Funds Transfer system will bring about significant benefits to Bank A:about significant benefits to Bank A:建议的转帐系统将给
20、建议的转帐系统将给建议的转帐系统将给建议的转帐系统将给A A银行带来巨大的利益银行带来巨大的利益银行带来巨大的利益银行带来巨大的利益BenefitsBenefitsOf FT Of FT SystemSystemGreater Automation加大自动控制Reduced OperationalRisk降低运作风险1.Sophisticated customer CIF for Funds Transfer2.Rule-based routing/processing3.Interfaces to other existing systems in the bank4.Interface w
21、ith Cash Management1.Higher STP2.Comprehensive Audit Trail 3.Multiple authorization/payment discretion4.Duplicate checking5.Disaster RecoveryThe proposed Funds Transfer system will bring The proposed Funds Transfer system will bring about significant benefits to Bank A:about significant benefits to
22、Bank A:建议的转帐系统将给建议的转帐系统将给建议的转帐系统将给建议的转帐系统将给A A银行带来巨大的利益银行带来巨大的利益银行带来巨大的利益银行带来巨大的利益BenefitsBenefitsOf FT Of FT SystemSystemCredit &Liquidity Control贷款及偿债力控制Product & Client ServiceDifferentiation区分产品与客户服务1.Queuing and prioritization2.Intra-day credit line3.Bilateral limit/net debit cap1.Sophisticated
23、 CIF for Funds Transfer clients2.Better infrastructure for new cash management and e-commerce businessCentralization集中模式1.Input from branches via Fax and WebThe Funds Transfer system will be able to automate The Funds Transfer system will be able to automate a number of existing manual processes:a n
24、umber of existing manual processes:利用转帐系统自动化手工流程利用转帐系统自动化手工流程利用转帐系统自动化手工流程利用转帐系统自动化手工流程BenefitsBenefitsOf FT Of FT SystemSystemAutomate 自动化自动化 Message sorting and routing (paper-based) Manual advising of incoming payments to clients via phone FX Contract: Manual operation in another system Top tier
25、customers treated as exception items (special FX rate/fee) Funds Control: Manual checking Manual credit for non-resident FCD accountsManual Process 手工流程手工流程 Auto-routing based on information (electronic) Auto-fax/e-mail advice “One-stop processing”: link to FX Contract system Tiered pricing applied
26、automatically “Auto-release” of payments based on rules and priority assignments Auto-credit for non-resident FCD accountsCurrent StateCurrent State现状现状Future StateFuture State将来将来将来将来Selection Process 选定流程选定流程 FundsFundsTransferTransferSystemSystemProject TwoRequest For Info.DevelopRTTScriptsStudy
27、& DesignProcessesRoundTable TestRequestforProposalSiteVisitFinal Recommen-dation25 25 Sep 2000Sep 20002 2 Mar 2001Mar 2001Workflow Process 工作流工作流RecapRecapStudyProcessesDesign ofFuture StateProcessesSelection Process 选定流程选定流程 From the original list of fourteen vendors, four were From the original li
28、st of fourteen vendors, four were eliminated via eliminated via RFI(RFI(请求信息请求信息) ) process process The four participated in a structured script driven, The four participated in a structured script driven, Conference Room Conference Room Pilot selection exercise.Pilot selection exercise. Vendor A &
29、Vendor B met our requirements and Vendor A & Vendor B met our requirements and received received RFPsRFPs( (请求建议请求建议). ).FundsFundsTransferTransferSystemSystemDevelopRTT ScriptsRTT ScriptRecapRecapRound Table Test (RTT) “会议室会议室”测试测试4 Vendors participatedRequest For ProposalTable of Contents PageBack
30、ground 6Vendor Profile 12Business & Functional Requirements 14Technical Solution 33Implementation & Trg 46Support & Maintenance 49Pricing 51App A Transaction Vol 57App B - Standing Data 58App C - Technical System Info 61App D Network Diagram 62RFP RFP ContentsContentsRFP was issued to Vendor A and V
31、endor RFP was issued to Vendor A and Vendor B forB for response to the following sections:response to the following sections:为取得以下建议，为取得以下建议，为取得以下建议，为取得以下建议，RFPRFP被派发到供应商被派发到供应商被派发到供应商被派发到供应商A A和和和和B BRequirements finalized Requirements finalized and Validated based on and Validated based on inputs
32、from Global inputs from Global Payment Services, Payment Services, Treasury, Audit & IT Treasury, Audit & IT DepartmentsDepartmentsBenefits to the BankBenefits to the Bank为银行带来的利益为银行带来的利益为银行带来的利益为银行带来的利益Help customer transform their vision, of becoming the Help customer transform their vision, of be
33、coming the number one payments and cash management bank, into number one payments and cash management bank, into reality in quick time. reality in quick time. 迅速帮助客户转变构想成为支付和现金迅速帮助客户转变构想成为支付和现金管理第一的银行管理第一的银行Translated into specific objectives:-Translated into specific objectives:- - low cost, high v
34、olume producer of payments - 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 - multiple channel access for customer and branches为用户及分行提高多渠道为用户及分行提高多渠道 Secured FaxSecured Fax Browser Based Transaction Initiatio
35、n Browser Based Transaction Initiation Phone Phone - allow easy access of real time information - allow easy access of real time information方便、实时获取信息方便、实时获取信息 RFPRFPEvaluatioEvaluation n 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InternetGatewayUP/WAPGatewayInternetGatewayPBXCTIIVRDatebaseServerTransaction GatewayMQseries ServerWebsphere Application servere-Business BankingAapplication (WSBCC)CIF/客户信息客户信息系统系统Date warehouse决策支持系统数据挖掘/决策支持Visal warehouseDB2 OLAP ServerWebsphereIntelligent Miner支行系统DB2办公自动化其它业务DB2BIThank Thank YouYouTheTheEndEnd
