Private Platform as a Service
G
S
Getting Started . . .
Mike PurcellNextGen Transformation Program Architect
Oracle Leaders Forum March 2010
I remember when....
...owning and running your own Technology
platform was a
strategic advantage
in
platform was a
strategic advantage
in
St t i O t it
X Strategic Opportunity
Case for Change
X Methods of Transformation
Setting the Technology Direction
X Test and Learn
The UBank Story
X Success Factors
The dawn of a New Generation
Branch Based Banking
1968 1988 2009
Transactional Banking NextGen Banking
X Core IT System Built
X Current/Savings Accounts ¾ Transaction Accounts ¾ Customer Views ﺤ Customer Driven ﺤ Relationship Aware ﺤ Device Proliferation Accounts X Product Based
X Single channel access
¾ Relationship Managed
¾ New Online Channels
ﺤ Device Proliferation ﺤ White Labelling
ﺤ Multi (Brand/Entity) ﺤ Real Time
X Single channel access
X 5 days per week
X 9am – 5pm Banking
¾ 24*7 transactions
ﺤ Real Time
ﺤ Sales and Advice
ﺤ Information informed
M&A Capable
The Best of Breed Iceberg
Business Applications Best of Breed Software Applications 1,000s Business Rules DevelopmentLanguages ModelsObject
, 100s Application Delivery Web Server Application Server Database Server Identity
Directory Integration Server 100s
Application Software Server Technology Server Technology Server Technology Server Technology Server Technology 100s Hardware Support Operating System Operating System Operating System Operating System Operating System 10s 5 Storage Disk
St t i O t it
X Strategic Opportunity
Case for Change
X Methods of Transformation
Setting the Technology Direction
X Test and Learn
The UBank Story
IT Platform Transformation Options
New Core
C
hannels
Payments
Branch Banker Planner Broker Telephone Mobile ATM POS Internet e/Mail Web
s
C Branch Banker Planner Broker Telephone Mobile ATM POS Payments Internet e/Mail Web
Product
s
Cards Wealth Lending Transaction Savings Term Deposits
se m s Enterpri Sy ste m Finance
ERP Analytics Risk
Customer
Treating IT differently
2008 UBank NextGen
Hand-Crafted Industrialised Commoditised Hand Crafted Industrialised Commoditised
Strategic Partnering
Shift from ‘best of breed’ to open, integrated and flexible solution leveraging the momentum of the IT industry.
.
X Transition NAB to be the ‘best
consumer’ of what the IT industry y has to offer
X Shift the IT partner ‘value’ base to X Shift the IT partner value base to
bundled services inclusive of platform integration and testing
X Commercialise the NAB
Technology practice to be a ‘manager of IT suppliers’
IT as a commodity and a differentiator
Differentiation
Enterprise and Core Services BI, UI and Channels
E t i M t
Shared
Security, Process and Data Enterprise Management
Commoditised
Storage and Servers OS and Database
Resulted in Oracle IT partner selection
Channel Delivery and UI Channel Delivery and UI Identity &
Risk Identity &
Risk
User Interaction: Performance: Content:
Enterprise Management
Enterprise Management Channel Delivery and UI
Identity & Risk
User Interaction: Performance: Content:
Enterprise Management
Shared Enterprise Services Shared Enterprise Services
Risk Finance Banking Payments
Shared Core Services Shared Core Services User Interaction:
WebLogic Portal Services Performance: Coherence, JRocket Content: Universal Content Mgt
Lifecycle Management
Lending
Shared Enterprise Services
Risk Finance Banking Payments
Shared Core Services User Interaction:
WebLogic Portal Services Performance: Coherence, JRocket Content: Universal Content Mgt
Lifecycle Management
Lending
Identity Admin
Access Integration: Process Orchestration : B i P M t& BPEL
Analytics HCM Customer Wealth
Integration Workflow and Process Orchestration Integration Workflow and Process Orchestration
Management Configuration & Compliance Cards Identity Admin
Access Integration: Process Orchestration : B i P M t& BPEL
Analytics HCM Customer Wealth
Integration Workflow and Process Orchestration
Management Configuration & Compliance Cards Access Management Fraud and Risk Analysis
Service Bus, Tuxedo, GoldenGate, AIA Business Process Mgt& BPEL
Database Services:
Oracle 11g RAC ASM
Business Intelligence:
Oracle BI Analytics
Data and Information Management Services
Data and Information Management Services Application Performance Management Access Management Fraud and Risk Analysis
Service Bus, Tuxedo, GoldenGate, AIA Business Process Mgt& BPEL
Database Services:
Oracle 11g RAC ASM
Business Intelligence:
Oracle BI Analytics
Data and Information Management Services Application Performance Management Risk Analysis
Identity Analytics
Oracle 11g, RAC, ASM Oracle BI, Analytics
Operating Systems:
Oracle Enterprise Linux
Virtualisation:
Oracle Virtual Machine
Application Quality Management Systems and OS Systems and OS Risk Analysis Identity Analytics
Oracle 11g, RAC, ASM Oracle BI, Analytics
Operating Systems:
Oracle Enterprise Linux
Virtualisation:
Oracle Virtual Machine
Application Quality Management Systems and OS Servers Servers Storage Storage p Solaris . Systems Management Servers Storage p Solaris . Systems Management 11 Storage Storage Storage
Contents
St t i O t it
X Strategic Opportunity
Case for Change
X Methods of Transformation
Setting the Technology Direction
X Test and Learn
The UBank Story
UBank launched to test and learn
• One of Australia’s Tier 1 banks
Top 25 globall
• NAB’s Direct Bank
• Launched Oct 2008
• Top 25 globally
• AA rated senior debt • 4.5 million customers
$ ll k
Launched Oct 2008
• Operates branchless/ standalone from NAB channels
• ~$45 Billion market cap
• $4.5 Billion net profit (2008) • Banking, Wealth Management,
I
• Limited product set
• Targeting specific customer segment
Insurance
• Operates in Australia, New
Zealand, USA, Hong Kong, Singapore Japan UK
g
• Taking leadership position in service and useability
• Has raised significant Singapore, Japan, UK deposits since launch
• First user of new enterprise technology platform
Commodity ‘Platform as a Service’
W b P t l F k A M d CMS
FLEXCUBE Direct Banking
• Pay anyone now or later • Regular payments out • Single direct credit
Brochure Ware
Member area
Goal Tracker
Personal Customer Home Page
Web Portal Framework, Access Manager and CMS
• Single direct credit • Automated savings plans • Linked Ac via Penny credit • SMS 2FA
• 1 click account open USaver bucket or TD
g • Interactive balance chart
• Secure messaging notifications
• IVR PIN set up & admin
Money Box
• Forums
Online • 1 click account open USaver bucket or TD • UBank Transfers
• One time SMS password set up • Send & receive secure messages • Transaction, balance and maturity alerts
• Standard content
• Premium content
Online Apply
• Automated real time KYC
• Full real time STP , y • View/amend acc nickname & personal info
CRMOD
• IVR PIN ID&V • Full contact history
SMS 2FA
FLEXCUBE Branch
• Full transactional capability • Back office processing • Standard reports
h
one • SMS 2FA
• Customer Communications
• Standard reports • Profile based access • Relationship pricing • Account sweeps • Interest Calculation • Reconciliations FLEXCUBE Core P h o re • Statements • Letters HUNTER Fraud Checking GL & GDW Regulatory Reporting • Account sweeps • Standard reports • Profile based access
• Reconciliations
• Product configuration and admin
C o Payments Gateway acy UBank Analytic ORAM real time
SMS Gateway
Telephony
Commodity with Differentiation
UBank is a business success story
12 th d it t t d d ithi 2 th
X 12 month deposit targets exceeded within 2 months
X Customer 2 year predicted capacity exceeded within 6 months X Including social media measures;
X 2,500 Followers
70 000+ Vi
X 70,000+ Views
X 4 500 Friends
UBank is a technology success story
Slides from Gerd Schenkel General Manager, UBankg ,
for
Asian Financial Services Congress 2010.g
“Technology is no longer a barrier to Entry.”
“Process and Technology platforms matter”
1. User Experience
2. Process Platform
3 Data & Technology Platform 3. Data & Technology Platform
St t i O t it
X Strategic Opportunity
Case for Change
X Methods of Transformation
Setting the Technology Direction
X Where are we trying to go ?
The Business Problem
Both Organisations Support is essential
Ch l Philli E
X Charles Phillips as Exec sponsor
X Cameron Clyne NABs CEO is NAB sponsor X Top Business unit heads moved to NextGen X Business Led not technology led
X Transformational business value on display earlyp y y X Principles agreed at Board level
X Strong business and technology governance
Business Driven, Technology Supported
•Single, reusable distribution capabilities customisable by t b d
Multi-Brand distribution
Differentiation
B ki d lth segment or brand
•Sales and advice tailored to the customer •Common management services shared
Superior Customer Sales & Service Hub
•Banking and wealth •Single view, real time •Web enabled, device agnostic
•First contact sales and servicing including full self service
O / fi bl d
•Non-segment specific product capability deployable seamlessly across multiple integrated channels •Process performance & Management are in-built
•Wholesale profitability analysis
One way / same way processes, configurable products
•Single platform top-to-bottom allows self-servicing and STP of processes and payments
•Customisable service levels •Wholesale profitability analysis
Integrated service platform
•Customisable service levels
•Open architecture enables leverage of third parties and outsourcing
Standardisation
Multi entity and multi brand Multi-entity and multi-brand
NextGen ‘Platform as a Service’
Next Gen transformation enables NAB to renew the core platforms to enable our future business models - through better leveraging our global Technology partners
g gy p
X are significantly less complex
d i t i t t l
and easier to integrate – less IT focus
X are less costly to support and
adapt as our business evolves
evolves
X enable differentiated
business models business models
X enable new ways to compete
l ll d i t ti ll locally and internationally
