Capgemini-通过可组合银行业务推动金融创新-借助凯捷、IBM和Temenos释放三者的力量（英）

Empoweringfinancialinnovationwith

composablebanking

UnlockthepowerofthreewithCapgemini,IBMandTemenos

Withourworktogether,IBMandTemenosarecommittedtoempowering

bankstoembraceinstantpaymentsinahybridcloudenvironmentwhilehelpingthebanksaddresschallengesinsecurity,governanceand

compliance.”

PrakashPattni

MD,FinancialServicesDigitalTransformation,IBMCloud

2Empoweringfinancialinnovationwithcomposablebankingservices:UnlockthepowerofthreewithCapgemini,IBMandTemenos

ArtificialIntelligence(AI)andCloudcomputingarenolongerbuzzwords.ThecombinedpowerofAIandcloudcomputingisrevolutionizingregulatedindustriesandopeninglimitlesspossibilities.However,cloud-enabledtransformationislessfrequentinmiddleandback-officefunctions.Currently,most

cloudinvestmentsaredirectedtowardsmodernizing

customer-facingapplicationsratherthantheinfrastructurethatsupportscriticalworkloads.

TheNeed:

Comprehensivebankingplatformtoaddress

Regulatory,Securityandriskconsiderationswhiledrivingbusinessvalue

Forregulatedindustries,successdependsonmanyfactors,

suchasthealignmentofbusinessandtechnology,abusiness-centricproductmindset,aninfrastructurethatallowsfor

speed&scale,andtheabilitytocapitalizeonalldataand

scalegenerativeAIeverywhere.Therightplatformand

ecosystemstrategyarethecriticalfactorsunderpinning

success,especiallyusingthecloudasanenablertocatalyze

growthforfinancialservicesfirms,as91%ofourrespondentsoftheCapgeminiWorldCloudreportindicated.However,toensurelastingsuccess,itisparamountthatcloudadoptionisthoughtthroughaspartofthebroaderorganizational

strategy.Acomprehensivecloudstrategyandroadmapwiththerightpartnersandsolutionsarecriticaltoovercoming

cloudmigrationchallengesandenablingbusinessgrowth.

Withthatinmind,inastrategiccollaboration,CapgeminiandIBMaredeliveringacomprehensivebanking

platformbuiltonTemenossolutions,leveragingComposableBankingprinciplesspecificallydesignedtoenhanceMiddle

andBack-officefunctions.

Thisinitiativeaimstoaddresscriticalchallengessuchas

regulatorycompliance,datasecurity,andcostefficiency.

Byleveragingthisplatform,bankscanmitigaterisks,

optimizecosts,andacceleratetimetovalue,allowingthemtoconcentrateonmeetingcustomerneeds.Thisstrategyallowsbankstomoveawayfromdevelopingandmaintainingmyriadsolutionstomeetdifferentevolvingneedsindependently,

enablingthemtofocusresourcesonpriorityactivities

instead.CorebankingsystemproviderssuchasTemenoshaveadoptedacomposablestructurewiththeirmarketplaces,

makingiteasierforbankstopickandchoosetherightFinTechwiththerelevantcapabilitiesfortheirneeds.

3

MovetoCloud

GlobalprogramstomovetoPrivate/Publiccloud

NeedforagileIT

infrastructure,flexibilityandscale

RegulatoryCompliance

AdaptationofthePrivacyByDesignprocess

AligntotheRegulatoryguidelinesacross

regulators

EnterpriseITStrategyandProcess

Duplicated&functionallyfragmentedITstrategyacrosssubsidiaries.

Manualprocesses

comprehensivesolutionthatintegrateswith

bank’sarchitecture

CyberSecurity

Remediationfromauditacrossvariousteams

Complexdependencieson

Internalandexternasystems

Lowrun&

maintenancecost

CostTransformation

HighersystemGlobalTransformationprogram

maintenancecosttomovetoPrivatecloud

Figure1:Keydriversfortransformationforfinancialservicesfirms

TheSolution:Composablebankingplatform

usingmultipleTemenosproductsonasingle

cloudplatformintegratingwithexistingsystems

Besidestheregulatory,securityconcerns,otherbusinessobjectivesthiscomposabletransformationsolution

addressare,

•Improveend-userexperience

•Scalabilityoftheplatform

•Fastertimetomarketandcustomeracquisition

•Reducethetechdebtandruncostoftheexistingplatform

ThesolutionincorporatesmultipleTemenosproductsandintegrateswithexistingsystems.Eachcomponentand

integrationarepartofthetargetbankingplatform.

1.Transact&TTI:Thecorebankingsystemthatefficientlymanagesback-officeoperationsforTAP,providing

seamlessintegrationcapabilitiesthroughTTI.

2.TAP/AAA:ThissolutionenhanceswealthmanagementofferingswiththelatestTemenosrelease,featuringan

advancedreportingengineandenhancedchannelcapabilities.

3.TDH(TransactDataHub):IntegratedwithTransactandTAP,TDHretrievesdataeventsandgenerates

comprehensivereportsusingitsanalytics-drivendatabase.

Currently,allproductsareutilizingversionR24.

ImproveEnduserexperience

Scalabilityoftheplatform

Fastertimetomarketandcustomer

acquisition

Reducethetechdebtandruncost

4Empoweringfinancialinnovationwithcomposablebankingservices:UnlockthepowerofthreewithCapgemini,IBMandTemenos

5

TAP

Temenos

Arrangement

Platform

ReportingEngine

TTI

WFO

Channels

TransacttoTAPinterface

IBMPrivateCloud

Transact

CoreBankingSystem

TDH

TemenosDataHub

TA

TemenosAnalytics

Figure2:High-levelapplicationintegrationdiagram

TransactcomponentsimplementedontheIBMcloud,

packagedasKubernetespods(RunningonROKS)insteadofindividualVMs,providinghardwareresourceefficiency,quickintegrationofcodewithtestingenvironments,andrapid

deploymentofenhancementsandfeatures.Thissetup

supportstheuseofmicroservicesforspecificfunctionalities.

Uniquefeaturesofthesolutionsbeingdeliveredare,

•ImplementallTemenosproductswithcontainerization&

microservicesarchitectureonanycloudplatformespeciallyTAPandTransact

•FirstR24Implementationforalltheproducts

•Uniquesolutionthatcombines

–Re-platforming(T24implementationonIBMCloudreplacingexistingback-officefunction),

–Re-implementation(Frontend/PortfoliomanagementsolutiontoR24)and,

–Re-ArchitectingtoMicro-servicesplatformandcomposablebankingatthesametime.

Samplereferencearchitecture

Public

Network

DDoS

IBM

CloudInterentservices

GLB

IBMCloud

IBMCloud

HyperProtectCryptoServices

IBMCloudContainerRegistry

IBMCloud

Object

Storage

口

IBMCloud

Activity

Tracker[Event

RoutingtoCOS]

IBMCloud

Databasesfor

PostgreSQL

IBMEventStreams

IBMCloud

Databasesfor

MangoDB

RegionIBMCloud

IBMIAM

Observability

[Self

Managed]

SCC

IBMSecretsManager

MZR[Secrets&Certificates]

VPC

Workload

Networkpolicy

TemenosTransactApp

TemenosTransactAPI/App

TemenosDataEventStreaming

Temenos

Microservices

ingester

Networkpolicy

TemenosTransactExplorer

UXPB

Temenos

MicroservicesAPI

Ingress

Application

Load

Balancer

API

[MGMT/GW]

RedHat

OpenShift

onIBM

Cloud(ROKS)

VPCEdge/MGMT

Bastion

[FullSession

Recording/

Playback/MFA]

F5

[WAF/TLS]

User

▲

▲

BranchUsers

Figure3:High-levelsamplearchitecture

Source:VPCreferencearchitecture|IBMCloudDocs

6Empoweringfinancialinnovationwithcomposablebankingservices:UnlockthepowerofthreewithCapgemini,IBMandTemenos

7

Thissolutiondeliversseveralkeybenefits:

•IntegrationofTemenosTransact,theworld’smostwidelyadoptedcorebankingproduct,renownedforitsfunctionalrichnessandusedbyover3,000customersglobally.

•ImmediateAccesstoMarket-LeadingCapabilities:Thesolutionprovidespre-packaged,pre-configuredcapabilitiesthatsupportend-to-endbankingexperiencesfromasingleplatform.

•HostedonIBMEnterpriseCloudforRegulated

Industries:thematuredplatformisoptimizedtohelp

clientsmanagemission-criticalworkloadschallengesacrossresiliency,performance,security,andcompliance.Itisan

enterprise-gradeplatformthatcanhandlethepowerandperformanceofhigh-performancecomputing(HPC)andgenerativeAI.

•RiskandComplianceManagement:Theplatform

addressesacomprehensivesetofcontrolsdesignedto

addressbanksecurityrequirements,regulatorycomplianceobligations,andcloudbestpractices.

•ValueRealization:ClientscanfullyexploitthebenefitsofgenerativeAIandhybridcloudatscale.CapgeminiandIBMaredevelopingspecificsolutions,assets,andacceleratorssupportedbytheuniqueTemenosplatform,aimedat

improvingtotalcostofownership(TCO).

•Flexibility:offeringhighlevelsofperformanceandresiliencywithhybridcloudimplementationoptions,maximizingsecuritythroughareliableandflexibleinfrastructure.

•Expertise:drawingonover25yearsofexperiencein

implementingTemenossoftware,CapgeminiexpertlymanagestheplatformontheIBMcloud,thereby

significantlyreducingthird-partyandfourth-partyrisks.

ThePowerofthree:Deliveringbusinessvalueusingcomposableplatforms

GlobalBankingLeaderwith3000+CustomerBase

Scalablesolutionfor

ComposableBanking

platformwithMicroservices

everysizeandtypeofbank

GovernanceDomain

“DeliveryPartner”

“TechnologyPartner”oftheYear2024

Platform

oftheYear2021,22,24

Platform,Skills,

Scale

DedicatedCoEforTemenos

FSCloudValidated

implementationpatternwith+550controlrequirements1

CertifiedDomainSMEs

andIBMCloud

25+Activecustomers

IBMFSCloudCouncil

Builtbyexpertsandforexperts2

1.

/resources/guides/speed-innovation-financial-services-framework

2.

/community/user/fscc/home

Figure4:Powerofthree:TheValueFramework,combiningDomain,Platform,ScaleandGovernanceforbetterbusinessvalue.

Throughthiscollaboration,CapgeminiandIBMarefocusedonhelpingclientsrealizethebusinessvalueofadopting

generativeAIandHybridcloudwhilenavigatingchallengesincludingcost,scale,andtrust.Itwillenablejointclientstomovetheirinvestmentsfromindividualpilotsandproofofconceptstoproductionatscale,byleveragingCapgemini’sexistingnetworkofTemenosCentersofExcellence(COEs).Thisexpandedcollaborationwillalsoacceleratethe

deploymentofinnovativeindustry-specificandfunctional

usecasesusingIBMcloudforregulatedindustriestoaccessarangeofsecure,high-performingfoundationalmodels,

includingwatsonx.

IBM’sStrategicPartnershipwithCapgemini:CapgeminiisaplatinumlevelSystemsIntegratorpartnertoIBMwithover20yearsofservingjointclients.Withover340,000

employeesin50countriesofwhich180,000areinIndia,

Capgeminiiswellpositionedasastrategicpartneranddrivesdigitaltransformationinthreemainareas–Intelligent

Industry,CustomerFirst,andEnterpriseManagement

underpinnedbyInsightsandData,Cloud,Cybersecurity,andSustainability.Ourpartnershipbringsleadershipand

expertiseonHybridCloudandMainframeModernization,

Intelligentindustry,BusinessAutomation,Data&AI,

SustainabilityandQuantumComputing.Together,wefocusonFinancialServicesandManufacturingindustriesamongothers.

IBMandCapgeminienableclientstounlockthevalueoftechnologytotransformtheirbusinessandresponsiblytransformourworld.

8Empoweringfinancialinnovationwithcomposablebankingservices:UnlockthepowerofthreewithCapgemini,IBMandTemenos

WithTemenosPaymentsHub,bankscanquicklyimplementinstant

paymentsserviceslikeFedNowandcanthenproceedtoprogressively

modernizetheirpaymentscapabilities.Wecontinuetoinvestinoursinglecodebaseacrosspaymentsandcorebanking,whichishelpingbanks

acceleratetimetovalue.

BymeetingtherequirementsoftheIBMCloudFrameworkforFinancial

Services,TemenosisthefirstpaymentssolutiononIBMCloudforFinancialServices,furtherreinforcingTemenos’commitmenttohelpingclientswiththeirpaymentstransformation,whilealsomakingitmoreaccessibletothelargenumberoffinancialinstitutionsalreadyworkingwithIBM.”

RossMallace

EVPGlobalHeadofSaaS&PartnerEcosystem,Temenos

9

LearnmoreaboutCapgemini&IBMPartnership:

/partnerplus/directory/company/1641

IBM|TechnologyPartners|Capgemini

Capgemini’sStrategicEdgeinTemenosIntegration:CapgeminiisPlatinumTemenospartnerhavingassociationsince1999,havedelivered100+engagementacross50+Countries.CapgeminiishavinglargestpoolofTemenos

expertswithhighestnumberofTLCsubscriptions.CapgeminihasrobustTemenosCoEstructurewhichsupport

25+ActiveclientoperatinginRetail,CorporateandwealthdomainsupposedwithalltemenosofferedProducts.InjourneywithTemenos,Capgeminihasbuilt30+toolsacceleratorswhichsupportsvariousengagementsasvalueadd.

Capgeminiistheonlypartnerwhoreceived“Temenos–GlobalDeliverypartneroftheYear”awardTwicein3yearsalongwithCertifiedDevelopment,DataMigrationandUpgradePartnerscertifications.

LearnmoreaboutIBMandTemenosPartnership

LearnmoreaboutIBMCloudforFinancialServices>

/cloud/financial-services

IBMPowerandTemenos:IBMPowerisatrustedsolutionfor93%ofFortune500banks,andover

200banksrunTemenosonPower.Thisenduring

partnershiphasconsistentlydeliveredsuperior

performance,withclientsexperiencingdoubletheperformancepercorecomparedtox86systemsand50timesfewervulnerabilitieswhenusingPowerVMversusVMware.Additionally,banksrunningon

Powerbenefitfroma55%reductionintotalcostofownership(TCO)andafivefolddecreaseincarbonfootprintbyleveragingIBMPower.Theplatform

excelsinITsecurity,performance,scalability,

reliability,andrecoverability,allmeticulously

designedtomeettherigorousrequirementsof

banksandT24/Transactsystems.Thissolution

isseamlesslyintegratedintoIBM’shybridcloud

infrastructure,operatingbothon-premisesand

throughPowerVirtualServer(PowerVS)onIBM

Cloud.WithTemenosonIBMCloudandPowerVS,

bankscanharnessIBM’srobust,securecloud

infrastructurealongsideTemenos’cuttingsolutions,ensuringacomprehensiveandinnovativebanking

experience.

Learnmoreabout

Capgemini&TemenosPartnership:

/about-us/

technology-partners/temenos/

IBMCloudforFinancialServicesandTemenos:

IBMCloudforFinancialServicesisafirst-of-its-kindcloud,designedtoprotectevenyourmostsensitivedataandAIworkloads.Withbuilt-insecurityand

controlsinformedbytheindustry,IBMCloud

forFinancialServicescanhelpyouoptimizeyour

infrastructureanddemonstratecompliancesoyoucanfocusonwhatmattersmost:deliveringvalueforyourclients.partnerwhoreceived“Temenos–GlobalDeliverypartneroftheYear”awardTwicein3yearsalongwithCertifiedDevelopment,DataMigration

andUpgradePartnerscertifications.

IBMhasalongtrackrecordofcollaborationwith

Temenos.TogetherIBMandTemenoshelpleading

financialinstitutionsadoptnextgenerationbankingtechnology&innovation.FinancialclientsareabletoleverageIBM’sexpertiseinprovidingsecured,cloudinfrastructuresolutionswithinnovativepayments

andbankingsolutionsthatTemenosprovides.ThepartnershipbetweenIBMandTemenosallows

bankingandfinanceclientstoachievecompliancewithstrictregulationswhileatthesametime

bringing