Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas

Soluciones tecnológicas para una banca centrada en las personas

Jesús Freire

Banking & FM Technical Leader Europe

IBM

• La tecnología como factor disruptivo en banca

• Banca centrada en el cliente

• Impacto arquitectural

• El rol del arquitecto

Agenda

La tecnología como factor disruptivo en banca

Source: FSS Innovation Survey 2009 + Ake Freij presentation

Technology

Regulation

Customers

External influences

Internal processes

Radical

innovation

Incremental

innovation

Innovation triggers in FSS

Internet

Digitalization

Social Mobile Analytics Cloud

= Improve the existing processes, products and services for existing customers

Innovation frequency

low

= Totally new things for new markets and / or new customers. New business models

Technology

Regulation

Customers

External influences

Internal processes

Technology

Regulation

Customers

External influences

Internal processes

Technology

Regulation

Customers

External influences

Internal processes

Technology

Regulation

Customers

External influences

Internal processes

Magnitude o

f change

high

low


Digitization

Mu

sic

Tra

vel

Bo

ok

s, N

ews


Ret

ail

Ad

vert

isin

gH

ard

wa

re

Digitization


Education

Media TV

Photo

Digitization


Digitization


New Customer Behavior New Entrants New Ecosystem

EfficiencyCost Reduction+





Agenda

Banca centrada en el cliente

The Power of Customers

Empowered customersMobile & Social

Always connected: Any time, everywhereDigital nativesShare: Compare, Comment, Suggest, DecideExpect personal treatmentLack of trust in banksLate contact with banks

Customers


Customers

Banking ≠ BanksFinancial services without banks

eWalletsPaymentsP2P Personal Lending & Savings

Crowd lendingCrowd funding

SMB servicesPersonal Finance ManagementDigital Currencies (Bitcoin)


Customers

Co-creationCustomersThird Parties

Platforms

Ecosystems


Industry Platforms /

Marketplaces

Banking Platforms

Internal

Banking Channels

Third party

apps

B2B

Third Party

Financial Tools

1

2

3

4

5

6

7

8

APIs Standardization

New Ecosystem Landscape

Open Data

The APIEconomy

Controllingthe platform





Agenda

Systems of Record” (SoR) are the traditional enterprise systems and applications that handle business transactions and other artifacts that constitute all the enterprise

records.

The “Systems of Engagement describes a way that IT should interact in a similar way like consumers and

employees do. (first introduced by Geoffrey Moore, 2010)

Impacto arquitectural

Systems of Engagement is a solution (“Systems”) which has multiple ways how users can “engage”

(interact) focusing on communication and collaboration across boundaries becoming more consumer oriented and increasing efficiency and

productivity.(IBM AoT Study team)

Data from Systems of Engagement and Systems of

Record

Analytic to exploit data and generate Insight

Cognitive Computing

High business value

Digital Banking


Advanced User Experience

CustomerInsight

SalesOptimization

Advanced UIOmnichannel ExperienceEverywhere, any timeContext AwareMobile: New DevicesSocialFinancial AdvisoryEmpowered bank staffCollaboration, Remote ExpertVirtual Advisor

Structured/Unstruct. DataInternal/External DataContext dataSentiment, Behavior AnalysisLife EventsNatural Language ProcessingSingle View of Customer 360º Customer ViewReal time AnalyticsAdvanced AnalyticsCognitive Computing

Marketing OptimizationCustomer Penetration

Cross-Selling Up-SellingMarket DevelopmentProduct DevelopmentDynamic Bundling / PricingInteractive inbound marketingReal time risk analysisNext Best Action

Customer Centric Enterprise - SoE

Dynamic Infrastructure


Self-Service

Channels

Internet

Mobile

ATM

Kiosk

IVR

Assisted

Channels

Branch

Contact

Center

Other Staff

Access

Partner

Access

External

Consumers

Channel

ArchitectureSOA

Integration

Architecture

SOA Business Process Arch.

Core Banking Arch.

Mo

nito

rin

g A

rch

ite

ctu

re

Security Architecture

Infrastructure Architecture

Development Architcture

Data

Architect.

Omnichannel – SoEContext awareReal time Marketing Real time Analytics

New external ecosystemNew external ecosystem

Cloud delivery model

Extreme AvailabilityExtreme Scalability

Legacy Applications

Channel fast evolution

Business Process Fast Evolution

New workloads

Extreme 24x7: batch impact

New ChallengesHigh Pressure on IT


Nueva Era: Computación Cognitiva


. . .

Answer

Scoring

Models

Answer &

Confidence

Question

Evidence

Sources

Models

Models

Models

Models

ModelsPrimary

Search

Candidate

Answer

Generation

HypothesisGeneration

Hypothesis and Evidence Scoring

Final Confidence Merging &

RankingSynthesis

Answer

Sources

Question & Topic Analysis

Evidence

Retrieval

Deep

Evidence

Scoring

Learned Models

help combine and

weigh the Evidence

Hypothesis

Generation

Hypothesis and Evidence

Scoring

Question

Decomposition

1000’s of

Pieces of Evidence

Multiple

Interpretations

100,000’s Scores from

many Deep Analysis

Algorithms

100’s sources

100’s Possible

Answers

Balance

& Combine

DeepQA: The Technology Behind Watson

Massively Parallel Probabilistic Evidence-Based Architecture





Agenda

El rol del arquitecto

¿Preguntas? y Respuestas…

Gracias

Jesús Freire

[email protected]://twitter.com/jesus_freirechttps://www.linkedin.com/in/jesusfreirehttp://jesusfreire.wordpress.com/

http://www.iasaglobal.org/iasa/Spain_Chapter.asp

Iasa Spain Chapter - Evento Arquitectura TIC en Banca - Soluciones Basadas en Personas

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