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The IBM Banking Industry Framework Business Talk Nomination Form

The IBM Banking Industry Framework Overview

IBMs overall solution strategy links business and IT objectives to give our customers the
capabilities needed to be successful. IBM and business partners provide industry
solutions to help meet specific strategic objectives. To support these solutions, IBM
provides the IBM Banking Industry Frameork as a middleare platform to support
banking solutions deployment and integration. The frameork provides fle!ibility to
deploy multiple solutions at the customers pace and allos reuse to their e!isting IT
portfolio though integration services.
The IBM Banking Industry Frameork consists of four domains covering the major
mission critical services by the bank. "ach domain contains project areas focusing on
specific banking functional capabilities. Many frameork solutions have applicability
across multiple domains# for e!ample, centrali$ing customer data can have significant
benefits for improved customer service and also for managing risk as part of the Banking
Industry Frameork.
Instructions to complete the Form & prepare the Business Talk:
Please complete the following Partner Contact section and select the
applicable domains and projects that address specific areas of your
business with an [X]. Submit the completed form to your IB
contact with !IB Ban"ing Industry #ramewor" Business $al"
%omination& in the subject line.
Partner Contact and Solution Information:
Company name:
Company contact name:
Company contact email:
Company contact phone num!er:
IBM Partner"orld I# and le$el:
Targeted solution name and !rief description:
Is the solution in production%
Timeframe re&uest to ha$e Business Talk and Tech Talk discussions:
"hat is the targeted area for the solution%
Industry Segment%
The IBM Banking Industry Framework Business Talk Nomination Form
Solution area%
Customer si'e%
"here do you sell the solution( e)g) geographies%
*ow do you sell the solution%
*ow do you plan to gotomarket with IBM%
CoSell0 1esell%
"hat is the $alue proposition for the solution%
"ho are your key competitors in this solution area%
"hat are your target accounts%
"hat do you need from IBM to sell the 2oint solution%
The IBM Banking Industry Framework Domains and Proects
[ ] !ore Banking Trans"ormation Domain
[ ] 'rchitecture $ransformation Project 'rea
Transform your core banking platform, reduce operational cost and risk, and improve
core banking process efficiency ith projects addressing fundamental capabilities
including a simplified IT infrastructure, platform scalability, enterprise&ide master data
management for customer contract, and product data, and model driven development to
build business service components.
3 4 Banking 1eference +rchitecture
'efine your ne!t generation banking reference architecture based on the IBM
(o) and folloing the principles of separation of architectural concerns and
resulting seamless integration beteen business, application and infrastructure
3 4 Master #ata Management
*onsolidate master data to a centrali$ed repository of *ustomer, (roduct and
+ccount. (rovide a single vie of the customer for all the banking applications.
"stablish an enterprise ide product catalog linked to the customer and accounts
that enable the usage of product information to address business problems such as
cross line of business product bundling and relationship pricing
3 4 Process Integration
The IBM Banking Industry Framework Business Talk Nomination Form
-ptimi$e and reuse business processes across core banking applications.
"liminate redundant interfaces, consolidate application services and components.
"stablish an .-+ integration platform to support application integration
3 4 Information Integration and Management
Integrate and transform data and content to deliver authoritative, consistent,
timely and complete information to the critical banking applications. 0overn the
/uality of the information throughout its life cycle.
3 4 Infrastructure Management0 Security 5 Scala!ility
Improve /uality of service, reduce cost and manage risk in designing, building
and managing banking dynamic infrastructure. Manage availability and
performance of infrastructure, applications 1 business services. *reate a more
responsive and resilient storage infrastructure
3 4 Solution Template #ri$en #e$elopment
'eliver solutions more /uickly using pre&built solution templates2
(roduct management to introduce innovative products, enable marketing and
product development teams to collaboratively develop ne customer centric
products /uickly and efficiently.
(roduct pricing to use dynamic pricing as a ay to retain and ac/uire ne
customer base. 'ifferentiate the pricing of the offer based on total customer
(roduct bundling to dynamically structure 1 bundle products for a specific
+ccount -pening to create arrangements based on these bundles and manage the
end&to&end arrangement lifecycle. 'ecrease time to market and improve
[ ] Process 'gility Project 'rea
Improve profitability by e!panding into ne markets faster, bringing innovative products
to market /uickly, and differentiating pricing and terms for ma!imum customer
satisfaction ith fle!ible and efficient processes for account opening and management,
product bundling, and dynamic relationship pricing
3 4 Business process transformation
+dopt industry reference business processes for enterprise standardi$ation and
faster delivery of business capabilities
3 4 Business rules and logic management
'efine, e!ternali$e, and manage business rules and business logic in an easy to
access repository that is shared by multiple application components. +llo
The IBM Banking Industry Framework Business Talk Nomination Form
/uicker access to rules and business logic for faster integration, modification,
updates and management
3 4 Performance Monitoring
+naly$e performance of banking products, to enable marketing teams to create
cross sell and up sell.
[ ] 'pplication oderni)ation Project 'rea
Transition from e!isting core banking applications in a staged and modular ay ith near
term payback and reduced risk and disruption# integrate best&of&breed application
components, buy ne packaged applications and integrate ith enterprise systems, or
build ne .-+ components for a customi$ed, loer cost, and less risky approach.
4egacy application moderni$ation and renovation
3 4 ,egacy application moderni'ation and reno$ation
Moderni$e legacy applications using methods such as decomposition of comple!
application into components, code clean&up, code conversion and code rap of
legacy application components, platform conversion, e!ternali$ation of embedded
application components, renovation by moderni$ing legacy application
architecture. 4egacy application moderni$ation and renovation is done using a
combination of both top don 5industry model driven approach6 and bottom up
5legacy analysis approach6
3 4 #ata migration 6/T,7 from legacy systems
Migrate legacy data into ne architectural design constructs based on best
practices to completely migrate data, co&e!ist ith old and ne data and data
transformation. -perationali$e data for customer, product and party master ith
banks e!isting systems such as data arehouse using variety of patterns
3 4 1eplace outdated core !anking applications with packaged applications
Buy and integrate ne core banking applications to replace legacy applications or
parts of legacy systems to minimi$e the skill and resource re/uirements of in&
house development and maintenance and ithout the risk associated ith 7rip and
replace8. +dhere to the frameork architectural standards and principles and
support services based integration methods
3 4 #e$elop ne8t generation applications
'evelop ne!t generation business components such as product processors, fund
transfer, reards processing, statement generation etc. using top don industry
models and leveraging e!tractable components from legacy systems 5if re/uired6
The IBM Banking Industry Framework Business Talk Nomination Form
# $ !ustomer !are & Insight Domain
[ ] Information Project 'rea
:nderstand customer data across all systems and build common customer data definitions
Integrate operational customer data to achieve a enterprise single customer vie
*onsolidate operational and historical customer data into a common data arehouse.
3 4 Single 9iew of Customer
Maintain an authoritative source of customer data, enable a 3;<= vie of a
customer as ell as manage access and distribution of the data in a standardi$ed
ay that both meets regulatory and privacy re/uirements and facilitates better
customer service and more effective sales
3 4 Customer #ata "arehouse
Maintain a record of operational customer information that can be leveraged by
banks to get an enterprise vie of the customer relationships, enabling banks to
improve customers e!perience, gain insight into customer preferences and
behavior and drive better business outcomes.
[ ] Insight Project 'rea
"!tract valuable customer insight such as segmentation, value, needs, behavior, etc. from
the integrated customer data to help business retain and gro its customer base. (rovide
the business a real&time vie of performance by channel, product, customer segments,
geographies, campaign, etc.
3 4 Customer +nalytics
4everage information to provide deep understanding and insight of customers 5or
prospects6 product usage, profitability, risk, buying behavior, financial needs, etc.
Financial institutions use these insights to generate sales leads, enhance products,
adjust pricing and improve customer satisfaction.
3 4 Business Performance +nalytics
4everage financial, customer, product and channel information to assess and
improve customer satisfaction, profit 1 loss across channels, sales effectiveness,
[ ] Interaction Project 'rea
-ptimi$e marketing, sales and customer service processes# include single vie of
customer and deeper insight at the point of interaction across all channels.
Transform multiple channels for improved customer e!perience, consistency across
different channels, more engaging customer dialogs, and ultimately better business
The IBM Banking Industry Framework Business Talk Nomination Form
3 4 MultiChannel Transformation
?enovate channels and provide a common channel IT architecture, a consolidated
set of services that can be reused to provide an improved and consistent user
e!perience across all channels, engaging the customer in a cross&channel dialog
that builds upon their past and current behavior.
3 4 Interacti$e Marketing
4everage customer insight to plan, design, e!ecute, measure and analy$e multi&
ave, cross&channel, event&driven, personali$ed and interactive marketing
3 4 Sales and +d$isory Transformation
'riven by real&time events and based on deep customer insight and cross&channel
marketing campaigns, 7moments&of&truth8 are identified and captured as sales
leads. Together ith individuali$ed customer insight, these leads are acted on by
both automated channels and customer advisors as ay to effectively generate
more revenue.
3 4 .n!oarding and .rigination .ptimi'ation
(rovide consistent customer -nboarding 5e.g., retail account opening6 and
origination 5e.g., mortgage origination6 processes across all channels and lines&of&
business. .treamline internal processing to improve effectiveness and loer
operational cost ith better collaborative and information sharing.
3 4 Customer Care and Ser$icing
Improve customer satisfaction, reduce customer churns and decrease operational
costs by alloing personnel from different business lines, channels, geographies
to collaborate on comple! customer in/uiries or re/uests in a pre&defined or ad
hoc ay.
The IBM Banking Industry Framework Business Talk Nomination Form
[ ] Integrated %isk Management Domain
The Integrated ?isk Management domain supports taking a holistic approach to
managing financial risk, financial crimes, operational and IT risk, and compliance.
[ ] #inancial Crimes Project 'rea
Integrate disparate fraud platforms to move toards real&time and proactive monitoring
and improve investigations. 4everage tools to identify fraudulent activity before it
happens. +utomate fraud prevention to reduce costs.
3 4 Customer Screening and watchlist filtering
@no and understand potential customers, their relationships ith each other and
your employees. .creen against multiple atch lists, -F+*, ":, :A and other
local government lists. .creen against third party provided lists of politically
e!posed (ersons 5("(s6, and Financially e!posed (ersons 5F"(s6. :nderstand
patterns of fraudulent behavior and use it to score customer risk in processes such
as online account opening. +naly$e information on the eb and in social media
to get more comprehensive vie of the customer
3 4 Transaction Monitoring 5 #etection of suspicious acti$ity
Monitor transactions real&time across multiple channels to identify suspicious
activity in progress. Monitor various types of transactions 5+TM, ?emote
Banking, BireC+*D Transfers, 'eposits6 conducted by internal as ell as
e!ternal personnel across multiple channels such as Beb, phone and mobile.
Identify transactions of suspicious nature and accurately assess the level of threat

3 4 Case Management0 Transaction Blocking 5 Suspicious +cti$ity -
Transaction 1eporting
+utomatically block e!tremely high risk transactions, particularly here losses to
the bank or customer in letting the transaction go through far outeigh the
conse/uences of blocking it. ?apidly resolve the alerts that re/uire human
intervention by proving the case manger tools for rapid decision making
Identify the transactions to be reported to the regulator authorities balancing false
positives and false negatives
[ ] #inancial *is" Project 'rea
*onnect market, credit counter&party and li/uidity risk to business and finance
information systems. "nable risk reporting across and at different levels of the enterprise
to enable better risk decision&making
3 4 :et your risk data in order
.implify and streamline data pertinent to risk management 5an aggregated vie6
ith a centrally managed repository of trusted financial risk data. 4everage
enterprise models for risk data at the business, logical, and physical levels.
The IBM Banking Industry Framework Business Talk Nomination Form
3 4 1isk insight and control
0ain an integrated enterprise ide vie of risk 5centered around presentation
layer, includes reporting6 based on near real time data and analytics. Includes
control2 disseminating insight and risk informed @?IC@(Is to non&traditional risk,
capital and finance groups 5e.g. relationship managers, 4-B e!ec, system oners,
operation heads etc.6. -perationali$e and deploy risk models.

3 4 1eal time risk insight and control
0ain risk insight and control real&time. This builds on the previous project but
includes real time data and analytics and the infrastructure C connectivity
re/uirements to support that.
3 4 1isk modeling and scenario analysis
Take a predictive approach to risk using a risk sandbo! in a controlledCsafe
environment to /uantify, model, integrate, test, and evaluate scenarios at an
aggregated level of data. Includes stress testing, sandbo! in hich you develop
3 4 1isk optimi'ation
Integrate risk and finance processes for business modelling, planning and
strategy& e!ecution alignment. "nable an enterprise to e!ploit its understanding
of its risk profile to ma!imi$e revenue and profit.
[ ] +perational , I$ *is" Project 'rea
"nable monitoring of internal processes# people and systems for improve operational risk
management. Implement early arning systems, IT and crises management processes
and business recovery planning
3 4 .perational 1isk Platform
Maintain competitive advantage and improve performance, organi$ations by
understanding and proactively managing the risks that can impact the business
ith an integrated operational risk program. "nhance the organi$ations ability to
be competitive in the market place by making strategic business decisions based
on a complete and integrated risk portfolio of the enterprise.
3 4 Comprehensi$e Security Control0 /nforcement0 Management
Manage access to business&critical applications and data hile giving users fast,
convenient access to the information they need. (rovide visibility into enterprise
security posture# *ontrol the cost of demonstrating compliance# ?educe the
comple!ity of managing a heterogeneous IT infrastructure
3 4 Trusted Identity Management
"asily automate policy&based lifecycle management of user roles, identities and
access rights that span heterogeneous IT resources
The IBM Banking Industry Framework Business Talk Nomination Form
3 4 Configuration- Incident- Pro!lem- Change- 1elease Management
"liminate cost and error by automating configuration, incidentCproblem, change,
provisioning, release and asset management tasks# "nforce process standards and
controls across organi$ational silos through defined and managed orkflos ith
auditable approvals and escalations
3 4 Continuous0 comprehensi$e fault monitoring
Improve visibility into business and IT operational indicators ith real&time
monitoring and analysis of business events and activities. Improve service
availability and resiliency ith real&time business and IT operational indicators
for heterogeneous applications, middleare, servers, data centers, netorks and
IT domains. Increase effectiveness, productivity and reduce errors. *ontrol costs
as infrastructure gros
3 4 #ata Protection
Manage and protect information through its lifecycle including controlling data
groth, archiving, information retention policies, automated compliance
monitoring, and change control
3 4 +pplication Integrity and Security
Move from manualCreactive to proactiveCautomated compliance controls.
[ ] -o.ernance , Compliance Project 'rea
Improve your ability to respond to regulatory scrutiny. +ccurately report risk e!posure
.tandardi$e and automate compliance processes. 0et the fle!ibility to respond
dynamically to changing regulatory re/uirements
3 4 Compliance Information ,ifecycle Management
Manage compliance Information through its life cycle2 from creation through
database C systems, archives, and to final destruction. (rovide the right
information at the right time, and at the right place, ith the loest possible costs
& over the entire life time of the data. Includes knoing and categori$ing a
companyGs data, defining policies that govern hat the company does ith the
information, setting up the system in such a ay that these policies can be applied
to the data, and then implementing a customer&specific information management
strategy ith the help of technology. ?e/uired to comply ith and demonstrate
auditable compliance to any regulations including .-H, B+."4 II,
3 4 Corporate :o$ernance and Internal Control
*orporate governance refers broadly to the rules, processes, or las by hich
businesses are operated, regulated, and controlled. It can refer to internal factors
defined by the officers, stockholders or constitution of a corporation, as ell as to
e!ternal forces such as consumer groups, clients, and government regulations. It
implies openness and transparency in relation to the surrounding orld. Bell&
The IBM Banking Industry Framework Business Talk Nomination Form
defined and enforced corporate governance provides a structure that, at least in
theory, orks for the benefit of everyone concerned by ensuring that the
enterprise adheres to accepted ethical standards and best practices as ell as to
formal las
3 4 Sales and Market Conduct Compliance
Market *onduct *ompliance projects develop early arning .ystems to identify
key market conduct breaches. These systems allo firms to proactively carry out
trend analysis of historical cases to identify root cause and implement necessary
controls to prevent recurrence
They enable firms to analy$e market conduct practices adopted by competitors
and to introduce best practices. Includes complaints handling to provide a
sustainable and traceable complaints resolution mechanism.
3 4 1egulatory Compliance
In general, compliance means conforming to a specification or policy, standard or
la that has been clearly defined. *ompliance generally means compliance ith
las and regulations. These las can have criminal or civil penalties or can be
regulations. The most significant regulation in this conte!t is the .arbanes&-!ley
+ct. There are a number of other regulations such as 04B+, FI.M+, and
DI(++. In some cases other compliance frameorks 5such as *-BIT6 or
standards 5AI.T6 inform on ho to comply ith the regulations.
3 4 Prudential Compliance
(rudential regulation and supervision protects financial solvency 5the relation
beteen e/uity, debt, and asset riskiness6, of regulated institutions. The
prudential regulation is regulation of deposit&taking institutions and supervision of
the conduct of these institutions and set don re/uirements that limit their risk&
taking. The aim of prudential regulation is to ensure the safety of depositorsG funds
and keep the stability of the financial system.
3 4 Colla!oration for ,egal and Compliance
Banks across the orld are challenged by comple! and dynamic regulatory
environments, relationship isolation amongst employees, and siloed information.
Improve decision making, increase compliance levels, decrease fines and loer
turnover in legal and compliance departments by ensuring that decision makers
and compliance officers have access to the people and the information they need
in order to achieve the compliance goals of an organi$ation.
The IBM Banking Industry Framework Business Talk Nomination Form
[ ] Payments & Transaction &ervices Domain
[ ] Consumer Payments Project 'rea
.olutions that enable Financial Institutions to process, manage, measure and monitor high
volume lo value payments, usually from individual consumers.
3 4 Check Processing
+ solution to process check C check images in a high performance and cost
effective manner. *omplies ith *heck,% standards
3 4 Payments online
"ffectively process online payments in a secure and high speed manner for
3 4 Mo!ile Payments
:tili$e the mobile phone for payments processing as a token 5such as AF*6 or as
a smart phone C digital signature online application
3 4 ,ow 9alue high $olume
(rocess payments from credit C debit card, +TMs, etc. (ayments of a type high
volume and, relatively speaking, lo value payments.
[ ] Commercial Payments Project 'rea
.olutions that enable Financial Institutions to process payments, serve corporate
customers and manage internal treasury services
3 4 *igh 9alue low $olume
Mange the processing of Digh value payments form bank to bank, bank to
clearing house or central bank in an efficient and secure manner. .olution may
accommodate the inclusion of remittance information ithin the transaction.
3 4 Cross !order
(rocess payments from country to country, managing currency translation.
Includes International +*D payment processes
3 4 Treasury Management
Treasury management 5or treasury operations6 includes management of an
enterpriseGs holdings. It includes activities like trading in bonds, currencies,
financial derivatives and also encompasses the associated financial risk
The IBM Banking Industry Framework Business Talk Nomination Form
[ ] Compliance and *is" Project 'rea
.olutions that enable the -ffice of Finance to measure and manage financial risks,
li/uidity e!posure and compliance to regulations
3 4 :eographic regulation
(rocessing transaction to ensure legislation re/uired for various conformance to
anti&money laundering, counter terrorism, and embargo checking.
3 4 1egulation management
"nsure the li/uidity of parties in a transaction as re/uired by various rules and
3 4 +dapta!ility to change
"nsure timely adherence to ne or additional regulatory changes ithout
impacting the e!isting payments installation.
[ ] Payments $ransaction Platform Project 'rea
.olutions support integrated hori$ontal capabilities that are relevant across all payment
products ithin a bank, reusable fundamental payments and treasury management
capabilities, *ore payment processing functions and integrated toolset, Transaction
arehouse, transaction analytics, intelligence for all 4-Bs
3 4 Channel Integration
Integration of the multi&channel business enterprise dras together the strengths
of all of todays consumer interactions to create a seamless service and shopping
3 4 Payment *u!
Dave an intelligent central engine that manages the enforcement and mapping of
payment information. It also enforces the rules for all payment orkflos
including clearing, settlement, routing and risk mitigation. It typically serves as
an IT orchestrator.
3 4 Payments data warehouse
The B'B contains an enterprise&ide ontology hich is used to precisely define
the meaning of the many concepts that make up the Financial Institutions core
information and its business environment.
3 4 Financial Network :ateways
The backend of a payments process, the gateays manage transitions onto the
various netorks 5.BIFT, F"', or country specific6 ensuring the rules of the
netork are enforced and positive transaction processing is registered.
The IBM Banking Industry Framework Business Talk Nomination Form
3 4 Managed File Transfer
+n MFT is a class of product that is designed to manage, secure, centrali$e, and
automate the transfer of files inside and outside of an organi$ation. It may also
include the ability to integrate secure file transfer into an operational environment.
3 4 Transformation and 1epair
.olutions allo the conversion of comple! data types from one format to another,
typically beneficial converting non&standard messages to a standardi$ed format.
?epair allos the editing or the correction of one or more fields of a message.