bian banking industry architecture network · short intro in portuguese / curta introdução em...

BIAN Banking Industry Architecture NetworkJuly 1st 2020

Introduction to the BIAN Landscape

and some testimonials of BIAN implementations

A Warm Welcome to

YOU –Dialing in From all

around the globe!

2

A Warm

Welcome to

YOU –

Dialing in From

all around the

globe!

On Today’s Webinar

Hans TesselaarBIAN Executive Director

Antonio PlaisOwner and consultant at Centus Consultoria e Negócios, Brazil

Patrick DerdeBIAN Architect

• Biao HaoExecutive Architect & Technical Leader in Financial Services, IBM

Short intro in Portuguese /Curta introdução em português

Antonio Plais is owner and consultant at Centus Consultoria e Negócios, a Brazilian company focused on Enterprise Architecture and Decision Management services and tools. He's working in ICT, marketing and consultancy since 1974, with extensive experience in business strategy, knowledge management, information technology, enterprise architecture and product development. He's a TOGAF and ArchiMate certificated professional and trainer, with graduation in Business Administration and specialization in Marketing.

Introduction | Mission

To provide the world with the best banking inter-operability architecture. To be the banking technology standard.

Central objectives for IT in the banking industry are to lower the IT and operational costs of the bank and help banks mitigate the risks associated with technology innovation. To provide a trusted roadmap for constant innovation.

By collaborating and sharing in an open way, the best expertise across our global ecosystem of leading banks, technology providers, FinTech players, academics and consultants to define a revolutionary banking technology framework that standardizes and simplifies the overall banking architecture.

Introduction | BIAN & Financial Institutions

Introduction | BIAN & Partners

Introduction | BIAN & Academic, Standard Bodies and Training Partners

BIAN in a nutshell





Agenda

• Challenges

• BIAN as an enabler

• BIAN Reference Architecture

• BIAN Open API

• BIAN Open Data

• BIAN Certification

10

Agenda

• Challenges



• BIAN Open API

• BIAN Open Data


11

Digital Transformation Challenges

12

•Monolitic systems

•Stofe pipe systems

•Point connections

• Interface adaptors

Reduction of integration/interoperability costs

•Disclose financial information for TPP’s (Third Party Providers)

•Security and data protection (e.g. GDPR)

•Financial and Risk Reporting

Regulation for

•Fintechs, Cross Industry

•Open Banking Data

•Open banking API

•Business Service Sourcing Models

New Ecosystem, with Industry Integration

•Single Source of the truth

•Data Warehouses, Data Lakes, NoSQL, Real Time BI, Next best offer, context specific offers, risk patterns, ...

Information Driven

•Time to market

•Adaptability

Agility

13

Financial Institution’s DNA needs to become agile-proof

“Agile” ≠ “doing Scrum”

• Agility is a persistent behavior or ability of an entity that exhibits flexibility

to accommodate expected or unexpected changes rapidly, follows the shortest

time span, and uses economical, simple, and quality instruments in a dynamic

environment (Qumer & Henderson-Sellers, 2008)

• Main Areas of Agility ?

• System agility: agility in your operational systems and business processes

• Process agility: agility in your development and change processes

• Business agility: agility as a strategic focus, based on your process and system agility

14

Financial Institutions need Agile Architecture

Agile Architecture principles

15

Separation of concerns

Loose Coupling

Reusability

Encapsulation

Interoperability

Service Oriented

Simplicity and transparency

Agenda

• Challenges



• BIAN Open API

• BIAN Open Data


16

Founded:

2008 by (amongst others): SAP, Microsoft, ING, IBM, Credit Suisse

Not for profit organization with over 70 members worldwide

Here BIAN comes in

BIAN is offering an Open Banking Reference Architecture Framework

Mission statement:To provide the world with the best banking architecture. To be the banking technology standard.

Central objectives for IT in the banking industry are to lower the IT and operational costs of the bank and help banks mitigate the risks associated with technology innovation. To provide a trusted roadmap for constant innovation. We create best practice architecture that the world’s banks can rely upon 100%. To gather the best minds in banking architecture for the world to share in an open way.

By collaborating and sharing in an open way, the best expertise across our global ecosystem of leading banks, technology providers, FinTech players, academics and consultants to define a revolutionary banking technology framework that standardizes and simplifies the overall banking architecture.

1818

BIAN – Banking Industry Architecture Network - Framework

http://www.bian.org/

Agenda

• Challenges



• BIAN Open API

• BIAN Open Data


19

2020

BIAN – Banking Industry Architecture Network - Framework

The Architecture (of a system): fundamental concepts or propertiesof a system in its environment, embodied by its components, their relations, and the principles governing its design and evolution

ISO/IEC/IEEE FDIS 42010:2011, evolved from IEEE Std 1471

http://www.bian.org/

Service Domainmechanics

Offe

red

Se

rvices

Co

nsu

med

Se

rvices

The BIAN Service Domain is a conceptual design

that defines a functional partition of banking

activity:

• a unique and discrete operational business

capability

• all interactions are through offered and

consumed services

• it fulfills its business role for the complete

lifecycle, for every occurrence

• can act as a stand-alone entity, can even be

externally sourced

BIAN fundamental componentsService Domain

BIAN Service Domain

22

BIAN Service Domain

23

BIAN

Semantic

API’s

BIAN Information

Architecture

Useful to support

• Microservices

• Open Data

• Open API’s

• Sourcing of

capabilities

• Service Orientation

• Encapsulation

• Separation of

Concern (MECE)

• Standardisation of

Services

• ...

Value Chain Layout – V8.0

Finance & Risk Management

Operations Products

Business Development

Customers Channels

Financial Control

Group Treasury

Credit Risk

Regulatiory ComplianceMarket Risk

Operational Risk

Solution Devel.

Marketing & Development

Product Management

Channel Management

Models & Analytics

Financial Statements

Financial Control

Financial Compliance

Enterprise Tax Admin

Approved Supplier Directory

Company Billing & PaymentsCorporate Treasury Analysis

Corporate Treasury

Asset Securitization

Bank Portfolio Analysis

Bank Portfolio Admin

Guideline Compliance

Regulatory Compliance

Compliance Reporting

Gap Analysis

Credit/Margin Management

Production Risk Models

Operational Risk Models

Economic Capital

Business Risk Models

Regulatory & Legal Authority

Regulatory Reporting

Credit Management

Limit & Exposure Mgmt

Position Management

Counterparty Risk

Fraud Resolution

Market Research

Customer Portfolio

Segment Direction

Market Analysis

Competitor AnalysisProduct Portfolio

Branch Portfolio

Channel Portfolio

Market Risk Models

Liquidity Risk Models

Systems Administration

IT Stds & Guidelines

Development Environment

System Development

Production Release

Fin Inst.Valuation Models

Contribution Analysis

Resource Management

Business Direction

IP & Knowledge

Unit Management

Business Unit Fin Analysis

Business Unit Financial Ops

Business Unit Accounting

Business Unit Direction

Business Unit Management

Buildings & Equipment

Site Operations

Site Administration

Equipment Administration

Equipment Maintenance

Utilities Administration

Building Maintenance

Procurement

Fixed Asset Register

Platform Operations

System Deployment

Systems Operations

Platform Operations

Systems Help Desk

Systems Assurance Internal Network Operation

Human Resources

Employee Assignment

Employee Data Mgmt

Empl/Contractor Contract

Employee Certification

Employee Evaluation

Empl Payroll & Incentives

Travel & Expenses

Employee Access

Employee Benefits

Workforce Training

Recruitment

Business Direction

Corporate Relations

Corporate Services

Organizational Direction

Property Portfolio

Internal Audit

Legal Compliance

Asset & Liability Mgmt

IT Systems Direction

HR Direction

Corporate Strategy

Corporate Policies

Product & Service Direction

Continuity Planning

Corporate Communications

Corp Alliance/Stakeholder

Corporate Relationship

Investor Relations

Security Advisory

Security Assurance

Credit Risk Models

Customer Behavior Models

Fraud Models

Business Architecture

Management Manual

Intellectual Property Port

Knowledge Exchange

Contribution Models Trading Models

Channel Activity Analysis

Financial Message Analysis

Central Cash Handling


Brand Management

Advertising

Promotional Events

Prospect Campaign Mgmt

Prospect Campaign Design

Customer Campaign Mgmt

Customer Campaign Design

Customer Surveys

Case Root Cause Analysis

Sales Planning

Contact Center Management

Product Inventory Item Mgmt

Branch Network Mgmt

E-Branch Management

Advanced Voice Svs Mgmt

ATM Network Mgmt

Branch Currency Mgmt

Product Design

Product Deployment

Product Training

Product Quality Assurance

Information Provider Admin

Servicing Activity Analysis

Branch Location Mgmt

Quant Model

Market Data Switch Adm

Product Directory

External Agency

Commission AgreementSyndicate Management

Sub Custodian Agreement

Product Broker Agreement

Product Service Agency Contractor/Supplier Agmt

Corresp Bank Rel Mgmt

Interbank Relationship Mgmt

Custody, Collateral & Documents

Document Services

Archive Services

Custody Administration

Collateral Allocation Mgnt

Collateral Asset Admin

Collections

Account Recovery

Accounting Services

Financial Accounting

Customer Tax HandlingPosition Keeping

Accounts Receivable

Account Reconciliation

Fraud Evaluation

Reward Points Account

CommissionsCustomer Position

Clearing & Settlement (Payments)

Order Allocation

Settlement Obligation Mgmt.

Payments Execution

Transaction Engine

Correspondent Bank

Cheque Processing

Corresp.Bank Data Mgmt

Payment OrderCounterparty Administration

ACH Fulfillment

Card Financial Settlement

Card ClearingCard eCommerce Gateway

Corporate Banking

Corporate Trust Services

Credit Facility

Cash Mgmt & Account Svs

Cheque Lock Box

Factoring

Direct Debit Mandate

Direct Debit

Project Finance

Corporate Current Account

Trade BankingLetter of Credit

Bank Guarantee

Trade Finance

Bank Drafts & Trvl. Checks

Market Operations Market Trading

Stock Lending/Repos

Securities Fails Processing

Trade/Price Reporting Corporate Events

Financial Inst ValuationSecurities Dlvry & Rcpt Mgmt

Trade Confirmation Matching

Trading Book Oversight

Dealer Workbench

Market Making

Program Trading

Traded Position Mgmt

Market Order

Quote Management

Suitbility Checking

Credit Risk Operations

Market Order Execution

Advisory ServicesInvestment Products

Corporate Finance

M&A Advisory Corporate Tax Advisory

Public Offering

Private Placement

Mutual Fund Administration

Hedge Fund Administration

Unit Trust AdministrationECM/DCM

Consumer Advisory Services

Consumer Banking

Currency Exchange

Payment InitiationBrokered Product

Current Account

Sales Product

Trust Services

Service Product

Investment Svs

Investment Portfolio Planning

Investment Portfolio Analysis

Investment Portfolio Mgmt

eTrading Workbench

Consumer Investments

Party Reference

Party Data Management

Location Data Management

Custmer Ref Data Mgmt

Relationship Mgmt

Customer Relationship Mgmt

Cust Prod./Service Eligibility

Customer Agreement

Customer Event History

Customer Behavioral Insights

Customer Credit Rating

Sales Product Agreement

Customer Proposition

Sales

Cust Campaign Execution

Party Lifecycle Management

Product Matching

Customer Offer

Product Expert Sales Support

Lead/Opportunity Mgmt

Product Sales Support

Spec/Discount Pricing Conds

Prospect Campaign Exec

Distribution

Correspondence

Branch Currency Distribution

Product Inventory Distribution

Servicing

Servicing Issue

Contact Center Operations

Point of Service

Interactive Help

Servicing Event History

Informtn. Providers

Information Provider Ops

Market Information Mgmt

Financial Market Analysis

Financial Market Research

Market Data Switch Ops

Financial Instr Ref Data Mgmt

Public Reference Data Mgmt

Cross Channel

Channel Activity History

Customer Profile

Contact Routing

Contact Dialogue

Party Authentication

Transaction Authorization

Customer Access Entitlement

Contact Handler

Customer Workbench

Channel Specific

Financial Gateway

Branch Location Operations

E-Branch Operations

Advanced Voice Svs Ops

ATM Network Operations

Card Terminal Operation

Card Terminal Admin.

CardsCredit/Charge Card

Card Authorization

Card Capture

Merchant Relations

Card Billing & Payments

Merchant Acquiring

Card Network Participant

Loans & Deposits

Deposit Account

Loan

Leasing

Syndicated Loan

Leasing Item Administration

Underwriting

Corporate Loan

Corporate Lease

Consumer Loan

Merchandising Loan

Fiduciary Agreement Savings Account

Mortgage Loan

Corporate Deposits

Operational Services

Issued Device AdminOpen Item Management

Disbursement Rwd Points Awards & Red.

Customer Billing

Issued Device Tracking

Product Combination

Card Transaction Switch

Delinquent Account Handling

Card Collections

Fraud Decisioning

Customer Orders

Customer Case Mgmt

Customer Case

Card Case

Servicing Order

Servicing Mandate

Investment Account

Securities Position Keeping

BIAN Service Landscape

Useful to support

• Business Planning/Information

System Strategy

• Manage Change

• Create heatmaps

• Scope change

• Project to Goal alignment

• Vendor selection

• Business Service Orientation

• Encapsulation

• Separation of Concern (MECE)

• Standardisation of Services

• ...

BIAN Business Scenario

25

1. Internal Credit Transfer

Useful to support

• Quick Start for Business Process Definition

• Inspire on service connectivity

• Service clustering , depence, coherence

• ...

PaymentOrder

DirectDebit

Contact Dialog

PaymentExecution

PaymentInitiation

Agenda

• Challenges



• BIAN Open API

• BIAN Open Data


26

143 Pre-Build API’s

16 API’s with Full ISO Mapping

>3000 Microservices Endpoints

>4000 Unique Data Components

Portal is Free to Members and Non-Members

Swagger and Microservice Source Code Included

Open Source Contribution Model

Register today at https://portal.bian.org

BIAN – API’s - https://portal.bian.org/landing

Useful to support

• Start with Open Banking Semantic API’s

realised by supplier specific API’s

• Quick start BIAN swagger

• ...

https://portal.bian.org/landing

Agenda

• Challenges



• BIAN Open API

• BIAN Open Data


28

29

Business Object Model Pattern:

IFX FIX

XBRLFpML

Other Finance

Standards

BIAN Business Object Model

BIAN IN THE CONTEXT OF OTHER STANDARDS

IFX = IFX: Financial electronic

communications Protocol. In a

nutshell: initiated to support

realtime information exchange

between banks, largely used in

the US.

FIX = Financial Information Exchange

XBRL = eXtensive Business Reporting

Language (Based on XML)

FpML = Financial Products

Markup Language (Based on

XML)

ISO20022

Service Domain Business Object ModelDiagrams

31

Agenda

• Challenges



• BIAN Open API

• BIAN Open Data


32

BIAN Architect Certification!

33

https://www.vhls.global/van-haren-

certification/bian-the-banking-architecture-

certification/

Take away

• Refer to BIAN as a reference for

• Using/Creating Common Language

• scoping of functional components of a change project

• Staying focussed on functional and non functional requirements

• Of the components

• Of the interactions between the components

• Use BIAN as a mechanism for application portfolio optimisation

• Use BIAN as a quick start for understanding complex systems

• Preparatory research work (quickly understand business)

• Process Modelling

• Data Modelling

• Banking API’s

34

Open Banking Architecture - Testimonial





Open Banking Reference Architecture

Data & AI

External API Gateway

Core Applications and Systems of Record

Product Payment

Account Customer

I nternal API Gateway

Customer Deposit Credit Card

Business Services

Customer Reference

Data

Customer Position

Servicing Mandate

Product Directory

CreditCard

Position Keeping

Savings Account

Current Account

Product

Open Banking API s & Services

Developer Portal Sandbox

Authentication

Consent Management

TPP Management

Metrics / Reporting / AuditATM

TPP ApplicationsChannel Applications

DevOps

Security

Governance

Common

Capabilities

UX Design

Cloud

Infrastructure

Data Cache

Branch

Regulatory

Bodies

Identity

Registries

Outside of

the Bank

Open

Banking

Directories

Payment

Networks

Business

Partners

IBM Global Solution Center, Dallas / © 2020 IBM Corporation 36

Open Banking APIs – Products and Accounts

37IBM Global Solution Center, Dallas / © 2020 IBM Corporation

Cache Layer

Current Account

Savings Account

Credit / Charge

Card

Product Directory

Customer Product /

Service Eligibility

Customer Position

Accounts

SoR

DepositSoR

CustomerSoR

Product

SoR

Credit Card

Position Keeping

Open Banking APIs• Orchestrate multiple Business Services• Transform to target messages• Expose target endpoints

Business Services• Based on BIAN service domains• Microservices implementation• Cache for performance (CQRS)

Systems of Record (SoRs)

Business Scenarios or Apps• Bank plays the TPP role for customers• Innovative use cases

Account Aggregation

Product Comparison

Products

Third Party Provider (TPP)

Servicing Mandate

Account Monitoring

Account Porting

Account Aggregation – Better Customer Insights



Customer Behavioral

Insights

Customer Position

Customer Offer

Account Aggregation

Customer Product /

Service Eligibility

Retrieve customer position

Account Aggregation Service & API• Customer position aggregated from multiple

financial institutions• Used by channel applications

BIAN Based Business Services• Customer Position maintains …• Customer insights from analytical models• Offers to customer

Account Access to other banks• Account Access to multiple banks• Using FinTech offering to simply the

integration

Account AccessBank N

Account AccessBank 1

Account AccessBank 2

Account Aggregation Service by FinTech

Customer Position

Consent

Customer Event

History

BIAN Based APIs and Microservices

39

Microservices ModelsBIAN SDs + Physical

Generate &deploy

Container Environment

(OpenShift)

Service Models

Microservices First (A2A)

API Design ModelsBIAN SDs + Message

Swagger Models API Developer Portal

Generate & publish APIs

API First (B2B/B2C & A2A)

BIAN Service Domains

UML Models forBIAN Service Domains

UML Models forConceptual (BOM)

Industry ModelsISO 20022

Roll Your Own

1

2

UML Models forMessages

UML Models forPhysical Models

Control Record

Behavior Qualifier

Behavior Qualifier

Behavior Qualifier

Sub Qualifier Sub Qualifier Sub Qualifier

IBM Global Solution Center, Dallas / © 2020 IBM Corporation

65

43

BIAN and Domain Driven Design (DDD)


BIAN Service Landscape – Matrix vs. Value Chain Layout


Draft Value Chain Layout – V8.0Finance & Risk Management

Operations Products


Customers Channels

Financial Control

Group Treasury

Credit Risk

Regulatiory Compliance

Market Risk

Operational Risk

Solution Devel.

Marketing & Development

Product Management

Channel Management

Models & Analytics

Financial Statements

Financial Control

F inancial Compliance

Enterprise Tax Admin


Company Billing & PaymentsCorporate T reasury Analysis

Corporate T reasury



Bank Portfolio Admin




Gap Analysis




Economic Capital



Regulatory ReportingCredit Management

Limit & Exposure Mgmt

Position ManagementCounterparty Risk

Fraud Resolution

Market Research

Customer Portfolio

Segment Direction

Market Analysis

Competitor AnalysisProduct Portfolio

Branch Portfolio

Channel Portfolio

Market Risk Models





System Development

Production Release

Fin Inst.Valuation Models


Resource Management

Business Direction

IP & Knowledge

Unit Management

Business Unit F in Analysis

Business Unit F inancial Ops




Buildings & Equipment

Site Operations

Site Administration





Procurement


Platform Operations

System Deployment

Systems Operations

Platform Operations

Systems Help Desk

Systems Assurance Internal Network Operation

Human Resources

Employee Assignment

Employee Data Mgmt

Empl/Contractor Contract


Employee Evaluation

Empl Payroll & Incentives

Travel & Expenses

Employee Access

Employee Benefits

Workforce T raining

Recruitment

Business Direction

Corporate Relations

Corporate Services


Property Portfolio

Internal Audit

Legal Compliance

Asset & Liability Mgmt


HR Direction

Corporate Strategy

Corporate Policies

Product & Service DirectionContinuity Planning


Corp Alliance/Stakeholder


Investor Relations

Security Advisory

Security Assurance

Credit Risk Models


Fraud Models


Management Manual

Intellectual Property Port

Knowledge Exchange

Contribution Models Trading Models


Financial Message Analysis



Brand Management

Advertising

Promotional Events





Customer Surveys

Case Root Cause AnalysisSales Planning



Branch Network Mgmt

E-Branch Management

Advanced Voice Svs Mgmt

AT M Network Mgmt

Branch Currency Mgmt

Product Design

Product Deployment

Product T raining




Branch Location Mgmt

Quant Model


Product Directory

External Agency

Commission AgreementSyndicate Management



Product Service Agency Contractor/Supplier Agmt

Corresp Bank Rel Mgmt


Custody, Collateral & Documents

Document Services

Archive Services


Collateral Allocation Mgnt

Collateral Asset Admin

Collections

Account Recovery

Accounting Services


Customer Tax HandlingPosition Keeping

Accounts Receivable


Fraud Evaluation


CommissionsCustomer Position

Clearing & Settlement (Payments)

Order Allocation


Payments Execution

Transaction Engine

Correspondent Bank

Cheque Processing

Corresp.Bank Data Mgmt

Payment OrderCounterparty Administration

ACH Fulfillment

Card F inancial Settlement

Card ClearingCard eCommerce Gateway

Corporate Banking

Corporate T rust Services

Credit Facility


Cheque Lock Box

Factoring


Direct Debit

Project F inance



Bank Guarantee

Trade Finance


Market Operations Market Trading

Stock Lending/Repos


Trade/Price Reporting Corporate Events

Financial Inst ValuationSecurities Dlvry & Rcpt Mgmt


Trading Book Oversight

Dealer Workbench

Market Making

Program Trading

Traded Position Mgmt

Market Order

Quote Management

Suitbility Checking



Advisory ServicesInvestment Products

Corporate F inance

M&A Advisory Corporate Tax Advisory

Public Offering

Private Placement

Mutual Fund Administration


Unit T rust AdministrationECM/DCM


Consumer Banking

Currency Exchange

Payment InitiationBrokered Product

Current Account

Sales Product

Trust Services

Service Product

Investment Svs




eTrading Workbench


Party ReferenceParty Data Management


Custmer Ref Data Mgmt

Relationship MgmtCustomer Relationship Mgmt

Cust Prod./Service Eligibility

Customer Agreement






SalesCust Campaign Execution


Product Matching

Customer Offer


Lead/Opportunity Mgmt


Spec/Discount Pricing Conds

Prospect Campaign Exec

Distribution

Correspondence



Servicing

Servicing Issue


Point of Service

Interactive Help


Informtn. Providers

Information Provider Ops







Cross Channel


Customer Profile

Contact Routing

Contact Dialogue




Contact Handler

Customer Workbench

Channel Specific

Financial Gateway


E-Branch Operations

Advanced Voice Svs Ops

AT M Network Operations


Card Terminal Admin.


Card Authorization

Card Capture

Merchant Relations


Merchant Acquiring


Loans & Deposits

Deposit Account

Loan

Leasing

Syndicated Loan


Underwriting

Corporate Loan

Corporate Lease

Consumer Loan

Merchandising Loan

Fiduciary Agreement Savings Account

Mortgage Loan

Corporate Deposits

Operational Services

Issued Device AdminOpen Item Management

Disbursement Rwd Points Awards & Red.

Customer Billing

Issued Device Tracking

Product Combination

Card T ransaction Switch


Card Collections

Fraud Decisioning

Customer Orders

Customer Case Mgmt

Customer Case

Card Case

Servicing Order

Servicing Mandate

Investment Account


Business SupportRisk & ComplianceOperations & Execution

Product Specific fulfillment

Non IT and HR Enterprise Services

Business Analysis

Bank Portfolio & Treasury

Regulations & Compliance

Models

IT Management


Bank Guarantee

Trade Finance

Corporate Financing & Advisory Services

Corporate F inance

M&A Advisory

Corporate Tax Advisory

Public Offering

Private Placement

Investment Management




Investment Account

Consumer Services

Currency Exchange

Payment Initiation

Corporate T rust Services

Brokered Product




Card Authorization

Card Capture

Merchant Relations


Business Command & Control

Business Unit F inancial Analysis

Business Unit F inancial Ops





Finance Financial Statements

Financial Control

F inancial Compliance

Enterprise Tax Administration

Buildings, Equipment and Facilities

Property Portfolio

Site Operations

Site Administration





Internal Audit

Procurement


Legal Compliance


Company Billing & Payments

Market Research

Customer Portfolio

Segment Direction

Market Analysis

Competitor Analysis

Product Portfolio

Branch Portfolio

Channel Portfolio

Stock Lending/Repos

Corporate T reasury Analysis

Corporate T reasury


Asset & Liability Management


Bank Portfolio Administration




Market Risk Models

Gap Analysis

Credit Risk Models





Fraud Models


Economic Capital






System Development

Production Release

System Deployment

Systems Operations

Platform Operations

Systems Help Desk

Systems Assurance

Internal Network Operation

Human Resource Management

Business Direction

Knowledge & IP Management

Corporate Relations

Document Mgmt & Archive

HR Direction

Employee Assignment

Employee Data Management

Employee/Contractor Contract


Employee Evaluation

Employee Payroll & Incentives

Travel & Expenses

Employee Access

Employee Benefits

Workforce T raining

Recruitment

Corporate Strategy

Corporate Policies

Product & Service Direction


Continuity Planning

Management Manual

Intellectual Property Portfolio

Knowledge Exchange


Corporate Alliance/Stakeholder



Investor Relations

Document Services

Archive Services

Correspondence

Security Advisory

Security Assurance

Financial Inst.Valuation Models

Regulatory Reporting



Contribution Models

Loans & Deposits

Current Account

Deposit Account

Loan

Leasing

Credit Facility


Cheque Lock Box

Factoring


Direct Debit

Syndicated Loan

Credit Management

Limit & Exposure Management

Project F inance

Market OperationsMutual Fund Administration


Unit T rust Administration

Order Allocation



Trade/Price Reporting


Corporate Events

Financial Instrument Valuation

Securities Dlvry & Receipt Mgmt


Customer Tax Handling

Wholesale Trading Trading Book Oversight

Dealer Workbench

Market Making

ECM/DCM

Program Trading

Traded Position Management

Market Order

Quote Management

Suitbility Checking



Trading Models

Fraud Resolution


Corporate Loan

Corporate Lease

Consumer Loan

Merchandising Loan

Fiduciary Agreement

Savings Account

Mortgage Loan


Trust Services

Service Product

Sales & Service

Marketing

Servicing

Customer Mgmt

Sales

Channel Specific


Brand Management

Advertising

Promotional Events





Customer Surveys

Servicing Issue

Customer Case Management

Case Root Cause Analysis

Customer Case

Card Case

Customer Relationship Mgmt

Prospect Campaign Execution

Customer Campaign Execution


Commission Agreement

Commissions

Product Matching

Sales Planning

Customer Offer

Underwriting






Branch Network Mgmt

E-Branch Management

Advanced Voice Services Mgmt

AT M Network Management



E-Branch Operations

Advanced Voice Services Ops

AT M Network Operations

Branch Currency Management

Cross Channel

Point of Service


Contact Routing

Contact Dialogue

Interactive Help


Servicing Order



Payment Order

Branch Location Management

Sales Product

Customer Prod./Service Eligibility

Lead/Opportunity Management


Customer Agreement





Account Recovery


Contact Handler

Customer Workbench

Reference Data

Product Management

Market Data

Party

External Agency

Product Design

Product Deployment

Product T raining


Discount Pricing


Party Data Management

Customer Profile

Syndicate Management

Correspondent Bank Data Mgmt



Product Service Agency

Contractor/Supplier Agreement

Correspondent Bank Rel Mgmt

Information Provider Operation




Quant Model





Counterparty Administration



Product Directory

Special Pricing Conditions

Custmer Reference Data Mgmt


Card Terminal


Merchant Acquiring


Corporate Deposits

Servicing Mandate

eT rading Workbench

Cross Product Operations

PaymentsPayments Execution

Collateral Admin.Collateral Allocation Mgnt

Collateral Asset Administration

Collections

Account Management Operational Services

Transaction Engine

Position Keeping

Position Management

Accounts Receivable


Fraud Evaluation


Issued Device Admin

Counterparty Risk

Open Item Management

Disbursement


Rewards Points Awards & Red.

Customer Billing


Issued Device TrackingFinancial Message Analysis

Financial Gateway

Correspondent Bank

Cheque Processing



Product Combination

Customer Position

ACH Fulfillment

Card eCommerce

Card T ransaction Switch

Card Clearing

Card F inancial Settlement


Card Collections

Fraud Decisioning


BIAN Service Landscape V8.0

Business Areas Business Domains

Service DomainsMatrix layout Value Chain layout

BIAN Value Chain Landscape and Scopes of APIs

43

Custome

r

CustomersOperations

Finance & Risk Management

ChannelsResource

Management

Business

Direction

Products

Business Development 3rd Party

Provider

A2AB2C

B2B B2B2C

The BIAN Service Landscape V8.0

Business Areas:• Operations – cross-product operations

• Products – synergistic product / service combinations

• Customers – integrating customer insights & preferences

• Channels - governing access – both at the contact & servicing mandate / relationship levels


Channels – External Access Control

44

Customer Workbench

E-Branch Operations

Contact Handler

Point of Service

Customer Prod/SvsEligibility

Contact Routing

Execute

Provide

Initiate

Initiate

Record

PartyAuthenti-

cation

IssuedDeviceAdmin.

Issued Device

TrackingEvaluate Retrieve Retrieve

Retrieve


Customer Event

History

Servicing Event

History



Retrieve

CaptureCapture

Retrieve

Contact Dialogue

Current Account

TransactionAuthori-zation

Execute

Initiate

Execute

Capture

Servicing Order

Servicing Mandate

Broker Agreement

Customer Agreement

Fraud

Evaluation

Fraud

Diagnosis

Fraud

Resolution

Fraud

Insights

Fraud

Models

Initiate

Request

Request

Retrievet

Evaluate

Initiate InitiateInitiate

Retrieve RetrieveRetrieve

Capture Capture Capture

Customer Reference Data Mgmt

Customer Access

EntitlementRetrieve

Retrieve

Customer Profile

Retrieve

Key real-time “orchestrators” for the contact

Channels


Customers – Positions and Insights

45

Reward Points

Investment Portfolio

Management CustodyAdmin.

Financial Advisory Services

Customer Profile

Customer Access

Entitlement

Party Life-cycle

Management

Party Data ManagementCollateral

Asset Admin.

Broker Agreement

Customer Reference

Data Mgmt.

Customer Position

Customer Event

History


CollateralAllocation

Management


Customer Insights

Consolidated financial

position (cash flows,

collateral, credit)

Historical analysis

Servicing Mandate

Customer Agreement

Customer Relationship Management

Customer Prod/Service

Eligibility

Life-time relationship

development history

and plan

Product/service

usage – current and

desired

Bank and 3rd Party

contracts and

mandates

Relationship history

and maintained and

developed insights

Customer

holdings

Customers


Monolithic to Vertically Integrated

Value Chain Decoupling and Integration – New Business Models


Operations Products API APICustomers Channels

Operations Products API APICustomers Channels

Bank

3rd Party

DistributionProduction

DistributionProductionDe

-co

up

led

Fle

xib

le M

od

el

BIAN – Membership





Freemium

BIAN’s Internal Wiki and Official Homepage

48 Copyright BIAN 2020 | Banking Industry Architecture Network

2020 - Planned BIAN Open Webinars

49

Webinar explaining PoC on Coreless

Banking

July 14th 4pm – 5pm (CEST)

10am – 11am (EDT)Webinar on BIAN API Usage at a

US Bank

July 28th 4pm – 5pm (CEST)

10am – 11am (EDT)

Member driven organization

• Fees (annual membership)

• Software / Tech vendors / Integrators

(250 employees or more)

• EUR 30.000,-

• Banks / FI’s that are not vendors

• EUR 20.000,-


(less than 250 employees)

• EUR 10.000,-

• Federal Banks / Central Banks

• EUR 10.000,-


(less than 50 employees)

• EUR 5.000,-

• Academic Partners

• EUR 0,-

51

Questions?Please stay muted and type

your Questions in the

righthand bar, or send them to

[email protected]