La Noche del Sector Financiero - 2016

La Noche del Sector FinancieroDisrupción Digital en el Sector Financiero

Paco Bermejo, Responsable de Negocio y Arquitectura para el Sector Financiero


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


Digitization


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”


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


Old Approach:

Complicated, Unsustainable and Expensive


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

Copyright © 2016 Oracle and/or its affiliates. All rights reserved.

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


IT Evolution

UNIX , C Oracle Linux Windows Web HTML OpenSource Mobility IoT BigData

PL/1 IMS Adabas COBOL CICS DB2 MIPS DRDA MSUs


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


Big Data Big Opportunities


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


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


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


Oracle Cloud Platform

DATA MANAGEMENT

IT OPERATIONSMANAGEMENT

IDENTITY MANAGEMENT

CONTENT &PROCESS

APPLICATION DEVELOPMENT

INTEGRATION

MOBILE

BUSINESS ANALYTICS


• 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


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


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


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


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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La Noche del Sector Financiero - 2016

Software

Transcript of La Noche del Sector Financiero - 2016