IBM金融服务咨询中英文.ppt

1、The IBM Financial Services Sector Consulting ApproachIBM金融服务咨询,March 2001,AP BIS FSS Organization,FINANCIAL MKTS V Balasubramanian Segment Executive,Lam Wei Choong BIS Executive,BANKING Elie Agzarian Segment Executive,INSURANCE Paul Miller Segment Executive,ARCHITECTURE Sherman Lau Principal,Core Ba

2、nking Delini Jayatilaka Principal,R/M&A Elie Agzarian Principal,CRM Dorothy Beagley Principal,RM / Trading Philip Straley Principal,STP/Ops/ E-Mkts Andrew Bremner STP/Emkts Leader,BI / DW Kenneth Chou Principal,Wimala Widjaya Manager,Paul Johnston Mging Consultant,R Govidarajoo Exec Consultant,R/M&A

3、 Judy Kon Principal,R/M&A Paul Tan Principal,David Chan Julia Checchia Denise Hoh,Yeo Siok Yong Ong Wee Ling Suresh Ketharam Ng Shu Hann Rosiani Gunawan Katrina Kon Ng Tock Soon Arry Latief Varun Sabhlok Daud Setiwan Premwat Kusollerkdee Loh Kah Lee Carol Teo,Yohika Minowa Ryoji Takeuchi Atsushi Fuk

4、uda Tao Sun,Ian Goh,Malini Tharumalingam Paul W Robinson Colin Stewart Gary Goh,David Wang Samuel Chan John Chiah Rajesh Venkartarman Lau Weng Fatt Jon Yeo Daniel Ng Madeline Yap,Stella Lum Benjie Castro Claudia Loh John McBain,R/M&A Ichio Suzuki Japan Leader,Ng Tock Soon Chang Kam Lan,David Brisban

5、e,Subject Matter Experts 行业专家,Deep industry specialization and domain knowledge 深入的行业专向及领域知识 Ex-bankers turned consultants 具备多年银行从业经验的专家 Proven good synergy when combined with IBM IT architects 团队协助精神结合IBM的IT专家,DEPOSITS/ LOAN/ CIF 存款/贷款/客户信息系统,Custody/ Securities 托管/证券,Trade Finance 贸易项金融,Electronic

6、 Banking System 电子银行系统,LEGACY SYSTEMS 传统系统,Funds Transfer 转帐,Corporate Banking Where It Used To Be 对公银行 - 过去,Telephone 电话,Fax 传真,Over the counter 柜台,CUSTOMER ACCESS CHANNELS 客户渠道,Middleware,Deposits/ Loans/CIF,Funds Transfer,Custody/ Securities,Trade Finance,EXTERNAL NETWORKS,BACK-END LEGACY SYSTEMS

7、,Application Server,Internet Server,Browser-based Inquire & initiate transactions,Internet,Call Centre,Corporate Network,DATA ACCESS LAYER 数据层,SERVICES LAYER 服务层,CUSTOMER ACCESS CHANNELS 客户渠道,Terminal,WAP Gateway/ Server,Mobile Phone,Phone Banking,IVR,PSTN,Corporate Banking Where It Is Heading 对公银行-

8、将来,其它业务,DB2,BI,The IBM Consulting Approach IBM 咨询方法,CORPORATE BANK对公银行,C/A,Loans,Funds Transfer,Trade,GL/MIS,DISCOVERY,PACKAGE SELECTION,IMPLEMENT,OPERATE,Current State Analysis 现状分析 Process Redesign 流程再设计 Future State Projections 未来规划 Strategic Gap Analysis 战略差距分析,Request for Information 请求信息 Reque

9、st for Proposal 请求建议 Conference Room Pilot 模拟实施 Test of Assumptions 设想测试,Project Office Management 项目管理 Systems Integration 系统集成 Enterprise Application Integration 企业应用集成,Managed IT operations 管理IT Helpdesk Support Helpdesk 支持,Consulting,downstream,BIS,Strategic Outsourcing,IBMs End-to-End Methodolo

10、gyIBM 端到端方法 论,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 business and IT solution and finally implementation. The same methodology can be applied to a different line

11、 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 level,Example - Bank As Vision例：A银行的期望,Back in Sep 2000 Bank As senior management team communicated the following reasons for ch

12、anging 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: Domestic local high-value clearing Cash Management e-Commerce,Update Meeting,Convert Vision into Sp

13、ecific Objectives 将期望转变为实际目标,Specifics goals 具体目标 - Start up new line-of-business - Increase fee based annuity income to help declining margins in loans. Approach 方法 - Centralized versus De-centralized ? Constraints 制约条件 - Branch infrastructure. - Communications network, bandwidth - Solution (Busine

14、ss & IT)解决方案 - 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: 建议的转帐系统将给A银行带来巨大的利益,Benefits Of FT System,Greater Automation 加大自动控制,Reduced Operational Risk 降低运作风险,Sophisticated cu

15、stomer CIF for Funds Transfer Rule-based routing/processing Interfaces to other existing systems in the bank Interface with Cash Management,Higher STP Comprehensive Audit Trail Multiple authorization/payment discretion Duplicate checking Disaster Recovery,The proposed Funds Transfer system will brin

16、g about significant benefits to Bank A: 建议的转帐系统将给A银行带来巨大的利益,Benefits Of FT System,Credit & Liquidity Control 贷款及偿债力控制,Product & Client Service Differentiation 区分产品与客户服务,Queuing and prioritization Intra-day credit line Bilateral limit/net debit cap,Sophisticated CIF for Funds Transfer clients Better

17、infrastructure for new cash management and e-commerce business,Centralization 集中模式,Input from branches via Fax and Web,The Funds Transfer system will be able to automate a number of existing manual processes: 利用转帐系统自动化手工流程,Benefits Of FT System,Automate 自动化,Message sorting and routing (paper-based)

18、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 accounts,Manual Process 手工流程,Auto-routing based on informati

19、on (electronic) Auto-fax/e-mail 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 accounts,Current State现状,Future State将来,Selection Process 选定流程,Funds Trans

20、fer System,Final Recommen- dation,25 Sep 2000,2 Mar 2001,Workflow Process 工作流,Recap,Study Processes,Interviewed users from various departments Studied and analysed the current state operations of payments. Designed the future state operations, with the new FT application in mind, by benchmarking cur

21、rent workflow to leading market practices. Identified gaps inherent in the current state operations in order to facilitate the change management process. Confirmed with Bank A on their readiness to accept new workflow and willingness and ability of IT to incorporate the new funds transfer applicatio

22、n into the existing IT infrastructure.,Design of Future State Processes,Selection Process 选定流程,From the original list of fourteen vendors, four were eliminated via RFI(请求信息) process The four participated in a structured script driven, Conference Room Pilot selection exercise. Vendor A & Vendor B met

23、 our requirements and received RFPs(请求建议).,Funds Transfer System,Develop RTT Scripts,RTT Script,With an understanding of the workflow, designed a Round Table Test Script. The RTT Script was closely modelled after Bank As future state operations to ensure that the system will meet Bank As requirement

24、s. Various scenarios were set-up and distributed to the vendors for demonstration.,Recap,Round Table Test (RTT) “会议室”测试,4 Vendors participated,Request For Proposal,Table of Contents Page Background 6 Vendor Profile 12 Business & Functional Requirements 14 Technical Solution 33 Implementation & Trg 46 Support & Maintenance 49 Pricing 51 App A Transaction Vol 57 App B - Stand