presentación paco bermejo - la noche del sector financiero
TRANSCRIPT
La Noche del Sector FinancieroDisrupción Digital en el Sector Financiero
Paco Bermejo, Responsable de Negocio y Arquitectura para el Sector Financiero
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These Fintech Companies Are Defining The New Norm In Banking
‘Fintech’
Best of Breed Digital First The Millennials Agile
Regulatory Brand equity and Trust
Financial Institutions
Barriers of Entry
Holistic Offers All Channels All Generations Legacy Systems
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Its all about customer experience and moving to a “customer in” perspective
What we hear from the Industry…
“Need to help our distribution channels
sell more by selling smarter”
“Need to have more touch points that are
relevant to the customer without
alienating the distribution channel”
“Need a 360º view of all Customers
across all channels”
“Need to do a better job presenting the
right offer in the right way using all the
channels the customer might use”
“Moving to self service (web) could mean
less opportunity to sell so have to make our
digital interactions more productive”
“We need to leverage our existing IT
investments and incrementally deliver value
to the business ”
“Moving to self service (web) could
mean less opportunity to sell so
have to make our digital interactions
more productive”
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Business Process & Core
system Transformation
Busine
ss
Impact
Duration
• Compliance with Regulations
• Risk & Compliance offerings ex.
Regulatory reporting utility on COTS
platforms, GRC etc.
• Mobility & Analytics driven Integrated Customer Experience
• Co-Innovation Engagement set-up for Agile delivery &
Transformation
Customer Experience
Transformations
Technology
Industrialization • Proactive Obsolescence in Application Support
• Security, Flexibility & Agility with liquid Infrastructure
• Ops + IT Integrated service delivery
Manage Risk &
Compliance
• Core Platform Replacement / Transformation
• Process Reengineering & Automation
Four Degrees of Resonance with FSI’s Digital Objectives
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Old Approach:
Complicated, Unsustainable and Expensive
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Driven by Customer Experience, Digitalization should be approached as Integrated Transformation (Technology + Customer Experience)
INSIGHTS INTO CLIENT PREFERENCES
INVESTMENT IN PREDICTIVE ANALYTICS
CUSTOMER PROFILING
DATA TRANSFORMATION
ADOPTION OF BIG DATA
TECHNOLOGIES
DIGITAL CONTENT MANAGEMENT
SIMPLIFIED, FAST PROCESSES
STP, AUTOMATION, MODULARISED &
MODERNIZED BACK-END SYSTEMS,
LEVERAGE CLOUD
AGILE, COLLABOARTIVE WAYS OF
WORKING
BUSINESS + TECH INTEGRATION, DESIGN
THINKING, TEST-AND-LEARN
REACH – DELIVER THE EXPERIENCE
RE-DESIGN SERVICES, SEAMLESS
EXPERIENCE ACROSS ASSISTED &
NON-ASSISTED CHANNELS
IT FOR THE ENTERPRISE OF THE FUTURE
BUSINESS ALIGNED IT, API BASED
SERVICES, DEVOPS TO NOOPS
INTEGRATED
TRANSFORMATION
CUSTOMER EXPERIENCE TRANSFORMATION
Design starts from outside-in
TECHNOLOGY MODERNIZATION
Design starts from inside-out
ADOPT DISRUPTIVE INNOVATIONS
E.G. BLOCKCHAIN, IoT, etc.ADAPT WITH COMPLEMENTARY INNOVATIONS
E.G. APPLE PAY, GOOGLE WALLET, etc.FINTECH INNOVATION ECOSYSTEM
CORE
SYSTEMS
DATA
PROCESS
CHANNELS
CUSTOMER
EXPERIENCE
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FI’s have to Fundamentally Change the Way they Serve Customers
Historically, systems have been product and account centric
Product Out
But the demand on them is to be truly customer centric …
Customer In
Digital Engagement
Digital Experience
11
Checking
Product
Definition
Accounting
Eligibility
Channels
Master
Mortgage
Product
Definition
Accounting
Eligibility
Channels
Master
Insurance
Product
Definition
Accounting
Eligibility
Channels
Master
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IT Evolution
UNIX , C Oracle Linux Windows Web HTML OpenSource Mobility IoT BigData
PL/1 IMS Adabas COBOL CICS DB2 MIPS DRDA MSUs
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Smart Rehosting isthe preferred Downsizing option
SMART REHOSTING: Eachfunctionality in each own
platform
AnalyticalData
CORE
OnlineTransactionProcessing Data
ETLs
AppsAppsApps
Other Data
From Old DownsizingInitiatives
To
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What’s New?
Big Data for Customer Insight
• Take advantage of new data sources for better analytics
• Use data in Oracle Database and Hadoop simultaneously for unprecedented insight
• Create new analytical use cases using open tools
• Empower the business with self-service analytics and IT with a simple, secure and controllable data provisioning
• Exploit massive compute and affordable storage for analytics
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Oracle Big Data Reference Architecture
• Capture all your data
• Perform discovery on data
• Develop analytic models across data warehouse and data reservoir
• Deploy models based on streaming data
• Analyze and operationalize results
Accelerate this Process
Scale to Many Use Cases
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Influence, Grow, and Serve Customers While Delivering a Seamless Experience Oracle PaaS for Financial Services
360 Customer view to engage seamlessly across web, mobile and branch channels to provide single view of bank.
Respond with Agility altering complex business processes to make them customer centric
Personalize communications and deliver recommendations based on customer preferences.
Build solutions faster to offer innovative services using rapid cloud application development and deployments
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Oracle Cloud Platform
DATA MANAGEMENT
IT OPERATIONSMANAGEMENT
IDENTITY MANAGEMENT
CONTENT &PROCESS
APPLICATION DEVELOPMENT
INTEGRATION
MOBILE
BUSINESS ANALYTICS
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• Integration• SOA• API Manager
• Internet of Things• GoldenGate
INTEGRATION
• Documents• Social• Process
• Sites
CONTENT & PROCESS
• Data Visualization• Business Intelligence• Big Data Discovery
• Big Data Preparation• Internet of Things
BUSINESS ANALYTICS
• Mobile• Integration
• Internet of Things
MOBILE
• Identity
IDENTITY MANAGEMENT
• Application Performance Monitoring
• IT Analytics• Log Analytics
IT OPERATIONS MANAGEMENT
• Database• NoSQL Database• Big Data• Big Data SQL• Big Data Preparation
• Database Backup• Exadata
DATA MANAGEMENT
• Java • Application Container
(Node, Java SE)
• Application Builder• Developer• Mobile
APPLICATION DEVELOPMENT
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Dev/TestWith Database Cloud
With Compute & Database Cloud
Migrate existing workload to the cloud
Sandbox Environment Data Warehousing
Deploy Oracle applications or non Oracle applications
Back up and DR to the cloud
Some Typical Data Management Cloud Service Use Cases
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Use Case – Agile Customer 360
• Enhanced customer experience with 360 degree customer view and Personalization
• Process orchestration across legacy and cloud based applications
• Consistent view across any channel –Mobile or Web.
• Adaptive marketing rules to drive product offers and recommendations to customers based on profile, interaction history and recent behaviors
• Speed your rollout to enhance customer interactions to drive revenues faster
FSICustomer
Oracle PaaS
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Agile Customer 360 using Oracle PaaS
Customer
Mobile
Banking
App
Bank
Call Center
Agent
SaaS – Application Services
PaaS – API Management , Agility and Integration Services
Client Channels
Java Cloud
Mobile Cloud
Integration Cloud
SOA CloudProcess Cloud
Social Cloud Sales Cloud Marketing Cloud
Core Apps
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SummaryEnd-to-end solutions to help you in your digital transformation process
End-to-end solution for digital transformation1
Best-in-class approach for use cases like Mobile Banking and Customer 720
5
Convert Data into value: invest heavily in analyzing data to establish patterns and un-noticed opportunities
3
Agile and elastic business with most complete Cloud platform4
Offloading evolution with solutions that integrates data consolidation and informational systems with Big Data
2
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