ibm金融服務咨詢

1、The IBM Financial Services Sector Consulting ApproachIBM金融效力咨詢March 2001AP BIS FSS OrganizationFINANCIAL MKTSV Balasubramanian Segment ExecutiveLam Wei ChoongBIS ExecutiveBANKINGElie AgzarianSegment ExecutiveINSURANCEPaul MillerSegment ExecutiveARCHITECTURESherman LauPrincipalCore BankingDelini Jaya

2、tilakaPrincipalR/M&AElie AgzarianPrincipalCRMDorothy BeagleyPrincipalRM / TradingPhilip StraleyPrincipalSTP/Ops/ E-MktsAndrew BremnerSTP/Emkts LeaderBI / DWKenneth ChouPrincipalWimala WidjayaManagerPaul JohnstonMging ConsultantR GovidarajooExec ConsultantR/M&AJudy KonPrincipalR/M&APaul TanPrincipalD

3、avid ChanJulia ChecchiaDenise HohYeo Siok YongOng Wee LingSuresh KetharamNg Shu HannRosiani GunawanKatrina KonNg Tock SoonArry Latief Varun SabhlokDaud SetiwanPremwat KusollerkdeeLoh Kah LeeCarol TeoYohika MinowaRyoji TakeuchiAtsushi FukudaTao SunIan GohMalini TharumalingamPaul W RobinsonColin Stewa

4、rtGary GohDavid WangSamuel ChanJohn ChiahRajesh VenkartarmanLau Weng FattJon YeoDaniel NgMadeline YapStella Lum Benjie CastroClaudia LohJohn McBainR/M&AIchio SuzukiJapan LeaderNg Tock SoonChang Kam LanDavid BrisbaneSubject Matter Experts 行業(yè)專家Deep industry specialization and domain knowledge深化的行業(yè)專向及領

5、域知識Ex-bankers turned consultants具備多年銀行從業(yè)閱歷的專家Proven good synergy when combined with IBM IT architects團隊協(xié)助精神結合IBM的IT專家DEPOSITS/LOAN/CIF存款/貸款/客戶信息系統(tǒng)Custody/Securities托管/證券TradeFinance貿(mào)易項金融Electronic BankingSystem電子銀行系統(tǒng)LEGACYSYSTEMS傳統(tǒng)系統(tǒng)FundsTransfer轉帳Corporate Banking Where It Used To Be對公銀行 - 過去Teleph

6、oneFaxOver the counter柜臺CUSTOMERACCESSCHANNELS客戶渠道MiddlewareDeposits/Loans/CIFFundsTransferCustody/SecuritiesTradeFinanceEXTERNALNETWORKSBACK-END LEGACY SYSTEMSApplicationServerInternetServerBrowser-basedInquire &initiatetransactionsInternetCallCentreCorporateNetworkDATAACCESSLAYER數(shù)據(jù)層SERVICESLAYER效力

7、層CUSTOMERACCESSCHANNELS客戶渠道TerminalWAPGateway/ServerMobilePhonePhoneBankingIVRPSTNCorporate Banking Where It Is Heading對公銀行-未來多渠道電子銀行IT架構圖主機/中心業(yè)務系統(tǒng)客戶服務中心柜員網(wǎng)上銀行挪動銀行 自助式信息亭手機銀行InternetGatewayUP/WAPGatewayInternetGatewayPBXCTIIVRDatebaseServerTransaction GatewayMQseries ServerWebsphere Application serv

8、ere-Business BankingAapplication (WSBCC)CIF/客戶信息系統(tǒng)Date warehouse決策支持系統(tǒng)數(shù)據(jù)挖掘/決策支持Visal warehouseDB2 OLAP ServerWebsphereIntelligent Miner支行系統(tǒng)DB2辦公自動化其它業(yè)務DB2BIThe IBM Consulting ApproachIBM 咨詢方法CORPORATE BANK對公銀行C/ALoansFunds TransferTradeGL/MISDISCOVERYPACKAGESELECTIONIMPLEMENTOPERATECurrent State Ana

9、lysis現(xiàn)狀分析Process Redesign流程再設計Future State Projections未來規(guī)劃Strategic Gap Analysis戰(zhàn)略差距分析 Request for Information懇求信息 Request for Proposal懇求建議 Conference Room Pilot模擬實施 Test of Assumptions想象測試 Project Office Management工程管理 Systems Integration系統(tǒng)集成 Enterprise Application Integration企業(yè)運用集成 Managed IT oper

10、ations管理IT Helpdesk SupportHelpdesk 支持ConsultingdownstreamBISStrategicOutsourcingIBMs End-to-End MethodologyIBM 端到端方法 論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 bus

11、iness and IT solution and finally implementation. The same methodology can be applied to a different line of business e.g. 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 levelExample - Bank As V

12、ision例：A銀行的期望Back in Sep 2000 Bank As 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:

13、 Domestic local high-value clearing Cash Management e-Commerce UpdateMeetingConvert Vision into Specific Objectives將期望轉變?yōu)閷嵺`目的Specifics goals 詳細目的 - Start up new line-of-business - Increase fee based annuity income to help declining margins in loans.Approach 方法 - Centralized versus De-centralized ?Co

14、nstraints 制約條件 - Branch infrastructure. - Communications network, bandwidth - Solution (Business & IT)處理方案 - Select a funds transfer business application - Overall fit into banks IT environment The proposed Funds Transfer system will bring about significant benefits to Bank A:建議的轉帳系統(tǒng)將給A銀行帶來宏大的利益Bene

15、fitsOf FT SystemGreater Automation加大自動控制Reduced OperationalRisk降低運作風險Sophisticated customer CIF for Funds TransferRule-based routing/processingInterfaces to other existing systems in the bankInterface with Cash ManagementHigher STPComprehensive Audit Trail Multiple authorization/payment discretionDu

16、plicate checkingDisaster RecoveryThe proposed Funds Transfer system will bring about significant benefits to Bank A:建議的轉帳系統(tǒng)將給A銀行帶來宏大的利益BenefitsOf FT SystemCredit &Liquidity Control貸款及償債力控制Product & Client ServiceDifferentiation區(qū)分產(chǎn)品與客戶效力Queuing and prioritizationIntra-day credit lineBilateral limit/n

17、et debit capSophisticated CIF for Funds Transfer clientsBetter infrastructure for new cash management and e-commerce businessCentralization集中方式Input from branches via Fax and WebThe Funds Transfer system will be able to automate a number of existing manual processes:利用轉帳系統(tǒng)自動化手工流程BenefitsOf FT System

18、Automate 自動化 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 accou

19、ntsManual Process 手工流程 Auto-routing based on information (electronic) Auto-fax/ 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 State現(xiàn)狀Futur

20、e State未來Selection Process 選定流程 FundsTransferSystemProject TwoRequest For Info.DevelopRTTScriptsStudy & DesignProcessesRoundTable TestRequestforProposalSiteVisitFinal Recommen-dation25 Sep 20002 Mar 2001Workflow Process 任務流RecapStudyProcessesInterviewed users from various departmentsStudied and anal

21、ysed 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.Confir

22、med 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 ofFuture StateProcessesSelection Process 選定流程 From the original list of fourteen vendors, four were eliminated via

23、RFI(懇求信息) process The four participated in a structured script driven, Conference Room Pilot selection exercise. Vendor A & Vendor B met our requirements and received RFPs(懇求建議).FundsTransferSystemDevelopRTT ScriptsRTT ScriptWith an understanding of the workflow, designed a Round Table Test Script.T

24、he RTT Script was closely modelled after Bank As future state operations to ensure that the system will meet Bank As requirements.Various scenarios were set-up and distributed to the vendors for demonstration.RecapRound Table Test (RTT) “會議室測試4 Vendors participatedRequest For ProposalTable of Conten

25、ts PageBackground 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 ContentsRFP was issued to Vendor A and Vendor B for response to the following sections:為獲得以下建議，RFP被派發(fā)到供應商A和BRequirements finalized and Validated based on inputs from Global Payment Services,