IBM金融服务咨询(1)

TheIBMFinancialServicesSectorConsultingApproachIBM金融服务咨询March20012IBMProprietaryAPBISFSSOrganizationFINANCIALMKTSVBalasubramanianSegmentExecutiveLamWeiChoongBISExecutiveBANKINGElieAgzarianSegmentExecutiveINSURANCEPaulMillerSegmentExecutiveARCHITECTUREShermanLauPrincipalCoreBankingDeliniJayatilakaPrincipalR/M&AElieAgzarianPrincipalCRMDorothyBeagleyPrincipalRM/TradingPhilipStraleyPrincipalSTP/Ops/E-MktsAndrewBremnerSTP/EmktsLeaderBI/DWKennethChouPrincipalWimalaWidjayaManagerPaulJohnstonMgingConsultantRGovidarajooExecConsultantR/M&AJudyKonPrincipalR/M&APaulTanPrincipalDavidChanJuliaChecchiaDeniseHohYeoSiokYongOngWeeLingSureshKetharamNgShuHannRosianiGunawanKatrinaKonNgTockSoonArryLatiefVarunSabhlokDaudSetiwanPremwatKusollerkdeeLohKahLeeCarolTeoYohikaMinowaRyojiTakeuchiAtsushiFukudaTaoSunIanGohMaliniTharumalingamPaulWRobinsonColinStewartGaryGohDavidWangSamuelChanJohnChiahRajeshVenkartarmanLauWengFattJonYeoDanielNgMadelineYapStellaLumBenjieCastroClaudiaLohJohnMcBainR/M&AIchioSuzukiJapanLeaderNgTockSoonChangKamLanDavidBrisbane3IBMProprietarySubjectMatterExperts行业专家Deepindustryspecializationanddomainknowledge深入的行业专向及领域知识Ex-bankersturnedconsultants具备多年银行从业经验的专家ProvengoodsynergywhencombinedwithIBMITarchitects团队协助精神结合IBM的IT专家4IBMProprietaryDEPOSITS/LOAN/CIF存款/贷款/客户信息系统Custody/Securities托管/证券TradeFinance贸易项金融ElectronicBankingSystem电子银行系统LEGACYSYSTEMS传统系统FundsTransfer转帐CorporateBanking–WhereItUsedToBe对公银行-过去PositionOpenTelephone电话Fax传真Overthecounter柜台CUSTOMERACCESSCHANNELS客户渠道5IBMProprietaryMiddlewareDeposits/Loans/CIFFundsTransferCustody/SecuritiesTradeFinanceEXTERNALNETWORKSBACK-ENDLEGACYSYSTEMSApplicationServerInternetServerBrowser-basedInquire&initiatetransactionsInternetCallCentreCorporateNetworkDATAACCESSLAYER数据层SERVICESLAYER服务层CUSTOMERACCESSCHANNELS客户渠道TerminalWAPGateway/ServerMobilePhonePhoneBankingIVRPSTNCorporateBanking–WhereItIsHeading对公银行-将来6IBMProprietary多渠道电子银行IT架构图主机/核心业务系统客户服务中心柜员网上银行移动银行自助式信息亭手机银行InternetGatewayUP/WAPGatewayInternetGatewayPBXCTIIVRDatebaseServerTransactionGatewayMQseriesServerWebsphereApplicationservere-BusinessBankingAapplication(WSBCC)CIF/客户信息系统Datewarehouse决策支持系统数据挖掘/决策支持VisalwarehouseDB2OLAPServerWebsphereIntelligentMiner支行系统DB2办公自动化其它业务DB2BI7IBMProprietaryTheIBMConsultingApproachIBM咨询方法CORPORATEBANK对公银行C/ALoansFundsTransferTradeGL/MIS•CurrentStateAnalysis现状分析•ProcessRedesign流程再设计•FutureStateProjections未来规划•StrategicGapAnalysis战略差距分析•RequestforInformation请求信息•RequestforProposal请求建议•ConferenceRoomPilot模拟实施•TestofAssumptions设想测试•ProjectOfficeManagement项目管理•SystemsIntegration系统集成•EnterpriseApplicationIntegration企业应用集成•ManagedIToperations管理IT•HelpdeskSupportHelpdesk支持ConsultingdownstreamBISStrategicOutsourcing8IBMProprietaryIBM’sEnd-to-EndMethodologyIBM端到端方法论TheExampleusedinthefollowingslidesisofaBanksettingupanewline-of-business–PaymentsandCashManagementItillustratesourend-to-endmethodology-fromvisiontobusinessandITsolutionandfinallyimplementation.Thesamemethodologycanbeappliedtoadifferentlineofbusinesse.g.Loans,TradeFinanceortheentireCorporateBankfamilyofproducts.Wecantakeaconsultingrecommendationfrom30,000feetandimplementitatgroundlevel9IBMProprietaryExample-BankA‘sVision例：A银行的期望•BackinSep2000BankA’sseniormanagementteamcommunicatedthefollowingreasonsforchangingitscorepaymentssystem:-–Todefenditsdominantpositionincrossborderandvostroclearingbusiness.–Tolaytheinfrastructureforbuildingandgrowingitsannuityincomelinesofbusiness:Domesticlocalhigh-valueclearingCashManagemente-CommerceUpdateMeeting10IBMProprietaryConvertVisionintoSpecificObjectives将期望转变为实际目标-Specificsgoals具体目标-Startupnewline-of-business-Increasefeebasedannuityincometohelpdecliningmarginsinloans.-Approach方法-CentralizedversusDe-centralized?-Constraints制约条件-Branchinfrastructure.-Communicationsnetwork,bandwidth-Solution(Business&IT)解决方案-Selectafundstransferbusinessapplication-Overallfitintobank’sITenvironment11IBMProprietaryTheproposedFundsTransfersystemwillbringaboutsignificantbenefitstoBankA:建议的转帐系统将给A银行带来巨大的利益BenefitsOfFTSystemGreaterAutomation加大自动控制ReducedOperationalRisk降低运作风险1.SophisticatedcustomerCIFforFundsTransfer2.Rule-basedrouting/processing3.Interfacestootherexistingsystemsinthebank4.InterfacewithCashManagement1.HigherSTP2.ComprehensiveAuditTrail3.Multipleauthorization/paymentdiscretion4.Duplicatechecking5.DisasterRecovery12IBMProprietaryTheproposedFundsTransfersystemwillbringaboutsignificantbenefitstoBankA:建议的转帐系统将给A银行带来巨大的利益BenefitsOfFTSystemCredit&LiquidityControl贷款及偿债力控制Product&ClientServiceDifferentiation区分产品与客户服务1.Queuingandprioritization2.Intra-daycreditline3.Bilaterallimit/netdebitcap1.SophisticatedCIFforFundsTransferclients2.Betterinfrastructurefornewcashmanagementande-commercebusinessCentralization集中模式1.InputfrombranchesviaFaxandWeb13IBMProprietaryTheFundsTransfersystemwillbeabletoautomateanumberofexistingmanualprocesses:利用转帐系统自动化手工流程BenefitsOfFTSystemAutomate自动化•Messagesortingandrouting(paper-based)•Manualadvisingofincomingpaymentstoclientsviaphone•FXContract:Manualoperationinanothersystem•Toptiercustome