Clienti, Carte e Canali: come semplificare le complicazioni Giovanni Mariani, IBM Italia Daniele Astarita, ACI Worldwide 2008
The market is actively diverging, drawing clear distinctions between the risk profiles in the banking market In times of economic expansion, bank stocks tend to move as a group reflecting the general economic climate. In an economic downturn, the market rewards effective risk management and penalizes those institutions that have either taken excessive risk or that exhibit less robust risk management practices. 2
As bank revenues from credit decline as a direct result of the global credit crisis and deposit revenue experiences a decline due to margin pressure, one of the few robust areas left becomes payments and related fee-driven income generators. Credit Deposits Payments What does this mean to the payments industry? 3
As bank revenues from credit decline as a direct result of the global credit crisis and deposit revenue experiences a decline due to margin pressure, one of the few robust areas left becomes payments and related fee-driven income generators. Credit Deposits Payments What does this mean to the payments industry? 4
IBM believes that banks and other Financial Services companies should adopt a three-pronged strategy for payments Differentiate Delivery Harvest Information Industrialize Processing 5
Worldwide fraud & financial crime threats create major losses for financial institutions 6
Where all this brings us? Person to Person Innovative Retailer Payment Channels Payment Markets Bank accounts Credit check G.L. CRM C O R E B A N K I N G S I L O S Differentiate Delivery Harvest Information Industrialize Processing Frauds losses Information Insight 7
IBM Payments Framework for Financial Services Provides Speed, Flexibility and Choice Pre-integrated payments software platform Pre-built payments solution accelerators Smart SOA TM foundation Customer Applications IBM Payments Framework for Financial Services Rapid Development & Integration Business Partner Ecosystem Process Flexibility SOA Foundation Eterprise Servise Bus Reduced Manual Intervention Speed Flexibility Open standards Ecosystem of partner content Process Transparency & Tracking Ease of Custom & ISV Integration Governance Process Security & Monitoring Choice 8
ACI Global Payment Solutions Product Strategy 9
ACI BASE24-eps What is it A highly flexible, integrated e- payments engine Acquires, routes, authenticates and authorizes transactions Supports multiple payment channels: ATM, POS, Internet Banking, Internet Shopping, Telephone, Branch, mobile commerce, micropayments, Interfaces to national and international networks Providing fully scripted control in your hands Operates on IBM System z and IBM System p Scripted control 10
This is Channel Integration! Common customer experience from any channel Internet Message Transformation Script Routing Execute same script for any channel Interaction with other applications for customer data Control of the authorisation logic flow 11
BASE24-eps savings - examples Cost reduction for CSMs: 20 70% Fewer CSMs due to richer product functions Light-weight CSMs based on scripts, parameters and configuration options Simplified CSMs due to object-oriented design Improved CSM roll-forward Operational efficiencies Leverage enterprise-wide infrastructure and resources More efficient load balancing with integrated server approach Lower cost support and development resources Stronger negotiation position with hardware vendors Ongoing product support Improved maintenance through service packs and patches Improved upgrade process and procedures Reduced effort for regulatory compliance 12
More BASE24-eps Business Values Faster/cheaper time to market for new products and services Support for merger and acquisition strategy Create customer view across silos and channels Competitive edge through enhanced products and services Platform flexibility Enhanced enterprise risk management 13