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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 20012IBM Proprietary AP BIS FSS OrganizationAP BIS FSS OrganizationDavid ChanJulia ChecchiaDenise HohYeo Siok YongOng Wee LingSuresh KetharamNg Shu HannRosian
2、i GunawanKatrina 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 NgM
3、adeline YapStella Lum Benjie CastroClaudia LohJohn McBainNg Tock SoonChang Kam LanDavid Brisbane3IBM Proprietary Subject Matter Experts Subject Matter Experts 行业专家行业专家Deep industry specialization and domain knowledgeDeep industry specialization and domain knowledge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
4、turned consultantsEx-bankers turned 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 architectsProven good synergy when combined with IBM IT architects团队协助精神结合团队协助精神结合IBMIBM的的IT IT专家专家4IBM Proprietary 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
5、券TradeFinance贸易项金融贸易项金融Electronic BankingSystem电子银行系统电子银行系统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5IBM Proprietary MiddlewareDeposits/Loans/CIFF
6、undsTransferCustody/SecuritiesTradeFinanceEXTERNALNETWORKSBACK-END 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/ServerMobilePhonePhoneBa
7、nkingIVRPSTNCorporate Banking Where It Is HeadingCorporate Banking Where It Is Heading对公银行对公银行-将来将来6IBM Proprietary 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-Busine
8、ss 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DB2BI7IBM Proprietary The IBM Consulting ApproachThe IBM Consulting ApproachIBM IBM 咨询方法咨询方法CORPORATE BANKCORPORATE BANK对公银行对公银行对公银行对公银行C/ALoansFunds Tra
9、nsferTradeGL/MISDISCOVERYDISCOVERYPACKAGEPACKAGESELECTIONSELECTIONIMPLEMENTIMPLEMENTOPERATEOPERATECurrent 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
10、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 SupportHelpdesk 支持ConsultingConsultingdownstreamBISBISStrategicStrategicOutsourcingOutsourcing8IBM Proprietary IBMs End-to-End MethodologyIBMs End-to-End Methodology
11、IBM IBM 端到端方法端到端方法 论论The Example used in the following slides is of a Bank The Example used in the following slides is of a Bank setting up a new line-of-business Payments and Cash setting up a new line-of-business Payments and Cash Management Management It illustrates our end-to-end methodology-fro
12、m vision to It illustrates our end-to-end methodology-from vision to business and IT solution and finally implementation.business and IT solution and finally implementation.The same methodology can be applied to a different line of The same methodology can be applied to a different line of business
13、e.g.Loans,Trade Finance or the entire Corporate business e.g.Loans,Trade Finance or the entire Corporate Bank family of products.Bank family of products.We can take a consulting recommendation from 30,000 feet We can take a consulting recommendation from 30,000 feet and implement it at ground levela
14、nd implement it at ground level9IBM Proprietary Example-Bank As VisionExample-Bank As Vision例：例：例：例：A A银行的期望银行的期望银行的期望银行的期望 Back in Sep 2000 Bank As senior management team Back in Sep 2000 Bank As senior management team communicated the following reasons for changing its core communicated the follow
15、ing reasons for changing its core payments system:-payments system:-To defend its dominant position in cross border and vostro To defend its dominant position in cross border and vostro clearing business.clearing business.To lay the infrastructure for building and growing its annuity To lay the infr
16、astructure for building and growing its annuity income lines of business:income lines of business:Domestic local high-value clearing Domestic local high-value clearing Cash Management Cash Management e-Commerce e-Commerce UpdateUpdateMeetingMeeting10IBM Proprietary Convert Vision into Specific Objec
17、tivesConvert 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 declining
18、margins in loans.margins in loans.-Approach Approach 方法方法方法方法 -Centralized versus De-centralized?Centralized versus 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(Busi
19、ness&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 applicationSelect a funds transfer business application -Overall fit into banks IT environment -Overall fit into banks IT environment 11IBM Proprietary The proposed Funds Transfer system will bring about The proposed Fu
20、nds Transfer system will bring about significant benefits to Bank A:significant benefits to 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 SystemSystemGreater Automation加大自动控制Reduced OperationalRisk降低运作风险1.Sophisticated customer CIF for
21、Funds Transfer2.Rule-based routing/processing3.Interfaces to other existing systems in the bank4.Interface with Cash Management1.Higher STP2.Comprehensive Audit Trail 3.Multiple authorization/payment discretion4.Duplicate checking5.Disaster Recovery12IBM Proprietary The proposed Funds Transfer syste
22、m will bring about The proposed Funds Transfer system will bring about significant benefits to Bank A:significant benefits to 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 Servi
23、ceDifferentiation区分产品与客户服务1.Queuing and prioritization2.Intra-day credit line3.Bilateral limit/net debit cap1.Sophisticated 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 Web13IBM Proprietary Th
24、e Funds Transfer system will be able to automate a number The Funds Transfer system will be able to automate a number of existing manual processes: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
25、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 accountsManual Process 手工流程手工流程 Auto-rou
26、ting based on information(electronic)Auto-fax/e-mail advice “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 accountsCurrent StateCurrent State现状现状Future StateFuture
27、 State将来将来将来将来14IBM Proprietary Selection Process 选定流程选定流程 FundsFundsTransferTransferSystemSystemProject TwoRequest For Info.DevelopRTTScriptsStudy&DesignProcessesRoundTable TestRequestforProposalSiteVisitFinal Recommen-dation25 25 Sep 2000Sep 20002 2 Mar 2001Mar 200115IBM Proprietary Workflow Proce
28、ss 工作流工作流RecapRecapStudyProcessesDesign ofFuture StateProcesses16IBM Proprietary Selection Process 选定流程选定流程 From the original list of fourteen vendors,four were eliminated via From the original list of fourteen vendors,four were eliminated via RFI(RFI(请求信息请求信息)process process The four participated i
29、n a structured script driven,Conference Room The four participated in a structured script driven,Conference Room Pilot selection exercise.Pilot selection exercise.Vendor A&Vendor B met our requirements and received RFPs(Vendor A&Vendor B met our requirements and received RFPs(请请求建议求建议).).FundsFundsT
30、ransferTransferSystemSystem17IBM Proprietary DevelopRTT ScriptsRTT ScriptRecapRecapRound Table Test(RTT)“会议室会议室”测试测试4 Vendors participated18IBM Proprietary Request For ProposalTable of Contents PageBackground 6Vendor Profile 12Business&Functional Requirements 14Technical Solution 33Implementation&Tr
31、g 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 Vendor B forRFP was issued to Vendor A and Vendor B for response to the following sections:response to the fo
32、llowing 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 from Global inputs from Global Payment Services,Payment Services,Treasury,Audit&IT Treasury,Audit&IT Departm
33、entsDepartments19IBM Proprietary Benefits 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 number one Help customer transform their vision,of becoming the number one payments and cash management bank,into reality in quick time.paymen
34、ts and cash management bank,into reality in quick time.迅速帮迅速帮助客户转变构想成为支付和现金管理第一的银行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:-Translated into specific objectives:-low cost,high volume 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
35、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 Initiation Browser Based Transaction Initiation Phone Phone -allow easy access of real time information -allow easy access
36、 of real time information方便、实时获取信息方便、实时获取信息 RFPRFPEvaluationEvaluation20IBM Proprietary 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 (WSBC
37、C)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DB2BI21IBM Proprietary Thank YouThank YouTheTheEndEnd22IBM Proprietary 9、静夜四无邻，荒居旧业贫。、静夜四无邻，荒居旧业贫。3月月-233月月-23Friday,March 31,202310、雨中黄叶树，灯下白头人。、雨中黄叶树，灯下白头人。04:24:3604:24:3604:243/
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