Partner with SAP to develop mobile apps and capture the mobile
market opportunity for financial services SAP PartnerEdge program for Application Development
February 3, 2014
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 2
Agenda
ŸIntroduction
ŸMobile Market Opportunity
Omnichannel Banking
Partner Use-case
SAP Mobile Platform 3.0 Overview and Demo
SAP PartnerEdge for Application Development
Next Steps
Partner and Developer ŸResources
Questions and Answers
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 3
Speakers
Thorsten Leiduck
VP Platform Ecosystem &
eChannels, SAP
Guru Shetti
Sr. Director - Mobile, Corporate
Business Development (Strategic
Partnerships), SAP
Haridas Nair
VP Product and Solutions,
Omnichannel Banking, SAP
Omnichannel Banking Haridas Nair, VP Product and Solutions, Omnichannel Banking, SAP
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 5
Digital technology is changing banking
50% of banks’ total customers (88% of
digital customers) regularly use
more than one channel
70% of banks believe that multi-channel
customers are more valuable
40% of customers sign up for new
product online – same as in-branch
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 6
Growth in spending on digital channels
• Global Spend in Banking on Internet and
Mobile Channels is growing at a healthy
rate of 9.27% CAGR - IDC
• More than 50% of consumers are expected
to become mobile bankers by 2016 - Javelin
• With 92% of the top 25 banks now offering
mobile banking, smaller banks and credit
unions risk losing valuable customers to
these institutions and must focus on
building out their mobile banking
capabilities in order to compete - Javelin
-
200.00
400.00
600.00
800.00
1,000.00
1,200.00
1,400.00
1,600.00
Y2012 Y2013 Y2014 Y2015 Y2016 Y2017
Global Spending on Internet and Mobile Channels
Javelin: Mobile Banking, Smartphone and Tablet Forecast 2011‐2016: Mobile Banking Moves Mainstream to Mid‐sized, Community Banks and Credit Unions
IDC
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 7
Research Substantiates the Digital Trend & Highlights concerns
• Mobile Banking usage is rising
rapidly
• Customers are increasingly opting
to buy products online
• However cross selling is a challenge
Source:http://www.accenture.com/SiteCollectionDocuments/PDF/Accenture-Consumer-US-Retail-Banking-Survey.pdf
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 8
Banks with innovative digital strategies will reap the benefits And drive business results
Wow factor
Reduce Costs
Wow factor
More than 2x the products are sold per customer in an integrated,
multi-channel environment compared to a traditional, siloed bank.
Twice the profitability and higher loyalty from multi-channel
customers.
$1.5 billion industry cost savings from switching mobile bankers’
one in-person deposit to mobile per month
Increase Revenue
Boost Profitability
& Loyalty
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 9
However banks have their challenges
Fragmentation
Complexity
Agility
Self Serve
Fragmentation in dealing with set of services, multiple
channels, different look and feel, different on-boarding and
support processes
Systems landscape has become complex thro the years,
cost to run and change, difficult to integration product or
services from 3rd parties
Customers are imposing their standards, so need agility
and flexibility to adapt. Speed to deliver change is key
Driven by experience in personal lives, customer
expectations revolve around personalization & control
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 10
And achieving innovation across channels is challenging
Retail
Banking
Credit
Card Mortgage Brokerage
Corporate
Banking
Increases costs of building and supporting new channels
Limits ability to introduce new capabilities
Results in inconsistent customer experiences
A complexity that grows exponentially across
multiple silos…
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 11
SAP facilitates faster cross-channel innovation
Retail
Banking
Corporate
Banking
SAP Omnichannel Banking
Credit
Card Mortgage Brokerage
• Leadership in mobile
• Digital sales migration
• Self-service enablement
• Customer loyalty and engagement
• Eliminate duplication across silos
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 12
Digital Retail Banking Empower retail customers to manage
their finances, anytime and
anywhere.
SAP Omnichannel Banking Components Solutions for bank customers
Digital Corporate Banking Offer the simplicity of a consumer
solution plus the reporting and
approval flows a corporation requires.
Mobile Money Expand banking services to the
unbanked and under-banked.
Cash2Mobile Provide a safe, reliable way for
delivery drivers to receive funds via
mobile.
Received Message
Thanks. The payment was
successfully made.
INVOICE #: 102938
AMOUNT: $10,000.98
NAME: ANDRZEJ SUPE…
ATM Manage millions of transactions,
dispense cash and market additional
targeted offers and products.
Call Center Empower agents to effectively respond
to inquiries with access to
communication tools from any location.
© 2013 SAP AG. All rights reserved. 13 Internal
SAP delivers value for retail and corporate banking
• Needed a mobile banking presence after
core banking refresh
Challenges
• Needed a competitive corporate offering
to drive revenue
• Wanted leadership position in corporate
mobile banking
• Wanted to reduce cost of maintaining
multiple mobile apps
• Lacked a full featured multi-language,
multi-currency corporate banking
offering
• Wanted to reach rural customers who
didn’t have access to a branch
• Needed to breakdown silos to reduce the
cost of introducing new features
Results
• Leadership in mobile
• Digital sales
migration
• Migration to self-
service
• Eliminate duplication
across silos
• Customer loyalty and
engagement
14 © 2014 SAP AG or an SAP affiliate company. All rights reserved.
Bill Pay, Account and P2P Transfers
MFA, Secure Session and Public Information
Access to Internal and External
Accounts
Remote Deposit Capture
Offers and Loyalty
Retail Banking
15 © 2014 SAP AG or an SAP affiliate company. All rights reserved.
Corporate Banking
Approvals and Releases
ACH / Wires
Payment & Transfer Scheduling
Cash Management
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 16
Desired Target State Integrated Omnichannel Experience
Consistent Omni-Channel User experience
Create and deploy beautiful engaging UI’s consistently
across Mobile, Tablet, Online
Open Standards based future proof platform
Develop new & extend existing capabilities faster for
revenue generation
Manage upgrade costs more efficiently
Integration with complementary SAP
technologies
Leverage value-add technologies like SAP RTOM,
HANA, SAP Analytics for differentiated market
presence
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 17
Target state of a layered architecture As starting point to define an omnichannel adoption roadmap
Manages customer interaction
Offers input sequence and validation
Process Object Layer
Omni Channel
Foundation
Channel Clients
Areas of Responsibility
Business Process Mgmt
Fro
nt
end /
O
mni channel
Colla
bora
tio
n /
P
rocess
Mgm
t
Busin
ess
Functionalit
y
Focuses on capabilities for customer interaction
Offers cross channel capabilities
Supports cross channel processes
Handles work in progress
Provides services ready for channel consumption
Ensures transaction integrity; enables automization
Offers elemantory services
Acts channel agnostic
Includes reference data & product systems
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 18
User Interface
Desired Target State High Level Reference Architecture
People Centric Shared Services
Business Services, e.g.
Foundation Services, e.g.
Payments Sales
Customer Systems SAP Applications
POL providing Business Services
UI Libraries Provided by Partners
Customers
SAP
POL Libraries
Provided by Partners
Customers
SAP
Business
Services consumed
by Partners
Customers
Customer/Employees UIs (SDK)
View Inspect
Act
Wallet
Account Info
Funds Movement Product Content
Security Logging Lifecycle Mgmt
Applications provided by
• SAP
• Partners
• Customers
Consistent Usage of
• Business Services
• Foundation Services
Open to
• Integrate with other technologies
• Adopt innovations
• Support customer individual
roadmap
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 19
Omnichannel Platform: Key Elements For Commercial & Retail Banking, Mobile Commerce
• Clear separation between
Presentation and Business
Logic.
• UI Development Kit (SDK)
provided by SAP Mobile
Platform for Native, Hybrid
and HTLM5 UIs
• Business Services provided
by SMP based on Process
Builder (POL)
• SMP supports seamless B2E
& B2C processes
• Productized mobile and
internet applications
provided by Partners,
Customers and SAP.
• Apps based on SAP Omni-
channel platform with SMP
and POL
SAP Mobile Platform (SMP)
Applications/Apps provided by Partners, Customers, SAP Containing UIs and Business Services based on SMP and POL
Business
Services
Foundation
Services
Customer Systems SAP Applications
POL providing Business Services
Existing Examples:
Account Information
Funds Movement
Mobile Wallet
Mobile Payments
Bank Communication
Personal Finance
Customer Service
UI Libraries Provided by Partners
Customers
SAP
POL Libraries
Provided by Partners
Customers
SAP
Business
Services consumed
by Partners
Customers
Customer/Employees UIs (SDK)
View Inspect
Act
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 20
Channel Source
Users Corporate
Systems Ch
an
nel
Inte
racti
on
UI Libraries Provided by
Partners
Customers
SAP
Business Services consumed by
Partners
Customers
POL LibrariesProvided by
Partners
Customers
SAP
Business
Network
Services
Technical Architecture Overview
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 21
Partner : Maihiro – Mobile Consumer Loan Origination
maihiro specializes in CRM
and Business Analytics
Hq: Germany
100+ employees
200+ clients & 400 CRM
projects
• The maiConsumerLoan
application showcases a
mobile consumer loan
origination scenario.
• It enables customers to get
a loan at the point of sale
and directly pay using the
disbursed loan amount.
SAP Mobile Platform An open platform for user-centric apps
Guru Shetti, Sr. Director - Mobile, Corporate Business Development, SAP
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 23
SAP Mobile Platform
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 24
CIO view End to end encryption: Device to Platform
Secure data access to back-end, encryption for data in motion and
at rest
Multi-level authentication (device, platform, source)
Multiple user authentication options
Single sign-on capabilities
Robust tracing and logging capabilities: end-to-end; ability to monitor
Automate as many security measures as possible
Benefits of a Platform Approach - CIO Protect the enterprise
Backend Security
MEAP Security
Transport Security
Device security
End user security
Application Security
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 25
Industry’s first unified mobile application development platform
SAP Mobile Platform
B2E
B2B
B2C
Standards-based
approach
Tools for rapid
development
Native
Hybrid
MDD
Mobile Web
SMS
Common auth
framework Offline with sync
App
Services
Platform
Services
Linux and
Windows OS
Back-end
Agnostic
Simplified
Admin
Analytics and
Reporting
Apps for: Employees
Partners
Customers
From proprietary to
open-standards and
open-source
Tools, components,
SDKs to speed
development
The right tool for the
right job Protect the enterprise
OData, MDD and
MBOs for offline
support
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 26
SAP Mobile Platform 3.0 – An Open Platform
HTML5 use any web tooling
you want on SMP3
HTTP REST standard protocol that
decouples the dependency
on SAP released SDKs
OData standard model that decouples
backend and frontend developers
Cordova combine SAP’s enterprise
plugins with any other
plugins from 3rd party
OSGi Spring reuse dynamic updates,
versioning, and models to
simplify complexity
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 27
SAP Mobile Platform – Client
Logging/Tracing
Security
(Vault/AES 256-bit
Encryption)
Persistence
(OData Doc Cache
handling with delta
support)
Synch Support
Offline DB and
Outbound Queue
Connectivity
Native Kapsel Player
Push Notifications
Authentication
(SSO2 ,
Certificates)
LCM
(Resource
provisioning)
SMP Client Core components Data Access Layer
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 28
Support for all major operating systems*
SDK available REST API only
iOS 6.x Win8
Android 4.x BlackBerry 10
*Mobiliser apps continue to support older versions and
feature phones and Agentry apps continue to be supported
on ruggedized devices. Details will be published in the
support matrix on service.sap.com/pam at product release
SAP Windows 8 apps running on SMP
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 29
Mobile Analytics Kit
Mobile Analytics Kit
Developers have two choices for embedding analytics in their apps:
– Use XML document to automatically configure a chart or dashboard, map the data
series, and pick from out-of-box controls
– Use the library to construct charts from components—allows even greater degree of
customization
Extra Features (out-of-box controls)
– Drill-down (tap to zoom)
– Semantic Zoom (pinch to zoom; axes automatically drill-down to narrower data series)
Mobile Analytics Kit (MAKit) is a set of charting libraries co-developed with the Business
Objects and SAP UX teams for the development of the ‘Mobile BI’ application release
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 30
SAP Mobile Secure Industry’s First Comprehensive Mobile Security and Management Suite
Mobile Security
Device
Application
Content
Services
Enterprise Mobility Management System
SAP Mobile Secure
On Premise Hybrid Cloud
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 31
SAP: Only Vendor named a leader in both of Gartner’s
Mobile Magic Quadrants
Magic Quadrant for
Mobile Application Development Platforms
Authors: Ian Finley, Van L. Baker, Ken Parmelee, David Mitchell Smith, Ray Valdes, Gordon Van Huizen
Gartner, 7 August 2013 ID:G00248487
This graphic was published by Gartner, Inc. as part of a larger research document and should be evaluated in the context of the entire document. The Gartner document s are available upon request from SAP . Gartner does not endorse any vendor,
product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings. Gartner research publications consist of the opinions of Gartner's research organization and should not
be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.
Magic Quadrant for
Mobile Device Management
Authors: Phillip Redman, John Girard, Terrence Cosgrove, Monica Basso
Gartner, 23 May 2013 ID:G00249820
© 2014 SAP AG or an SAP affiliate company. All rights reserved.
Demo - Appbuilder
SAP PartnerEdge for Application
Development
Thorsten Leiduck, VP Platform Ecosystem & eChannels, SAP
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 34
Build and monetize your business solutions leveraging
SAP PartnerEdge program for Application Development
Low annual
fee
First pack:
€2500
Each additional
pack: €500
(SAP HANA Cloud
Platform: €3500 /
€1500)
SAP PartnerEdge for Application Development | Exploration member FREE
1 year only
Developers (community) FREE
Base enablement Community support Exploration packs
DIS
CO
VE
R
Partner with SAP in a global program SAP partner status Partner management Your IP1) One global agreement www.sapadpc.com
MO
NE
TIZ
E
Leverage SAP’s GTM services Reach out to SAP’s customers
Bundle your application with the technology
Application-specific runtime licensing
% of application price
Embed technology
into solution
(planned)
15% rev
share
Sell
Set your price List on SAP Store Offer services
SAPStore.com
Choose your innovation packs
25 development licenses
Application
integration
SAP HANA and
databases SAP HANA
Cloud Platform Mobile
Enterprise support2) Cloud resources Enablement Application reviews
INN
OV
AT
E
Business
intelligence
SAP
Business
One
On premise On demand
1) For add-on functionalities; 2) Respectively, SAP Business One support
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 35
Six reasons to join SAP PartnerEdge progam for Application Development
One global contract – all-inclusive, partner owns IP1), custom development included2) 1
3 Partner Center (www.SAPadpc.com) – all information and interaction in one place
4 Packaged apps available in the SAP Store – access to SAP customer base
5 Selling with application-specific runtime-license – one-stop-shop for the customer
2 Effective enablement – same structure across all technologies
6 Low fees – SAP earns when partner sells
1) for add-on functionalities; 2) except for modifications of SAP back-end software
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 36
Application Development Partner Center One gateway to SAP
Full lifecycle coverage
Hot topics and news
Onboarding tools
Quality-assured enablement assets
Access to self-service and remote services
Process wizards
Community access
www.SAPAppsDevelopmentPartnerCenter.com www.sapadpc.com/
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 37
SAP Store Expand your market reach
Full self-service via "My Account"
functionality
Ability to sell as agent
PayPal option for collection
Available in 23 countries
Listing of all partner apps
Federated search across SAP and
partner apps
Success sharing
(15% share on transactions closed)
The SAP Store
2,200+ Solutions on eChannels/
SAP Store from SAP and Partners 4,500
Online transactions YTD
515,000
Online visits YTD
32,000 App downloads
(SAP and partner apps)
Status: July 2013
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 38
Next Steps
Turn business trends and
innovative technologies into
new sales opportunities
Ready to take off?
Visit the partner center
and sign up now!
www.sapadpc.com
© 2014 SAP AG or an SAP affiliate company. All rights reserved. 39
Resources
Resources for Partners
SAP Application Development Partner Center
Join SAP PartnerEdge program for Application
Development
SAP Store for Mobile Apps
Meet SAP at Mobile world Congress (Barcelona February 24-27)
Resources for Developers
SAP Mobile Platform 3.0 Ramp-up (for existing
SAP partners only)
SAP Mobile Academy
SAP Mobile Developer Forum on SCN
SAP Mobile Platform 3.0 Boot Camps
Other upcoming Mobile Workshops and
Events
Questions
Visit www.sapadpc.com to get started