technology trends in the financial service industry
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TRANSCRIPT
Technology Trendsin the
Financial Service IndustryyLarry RyanJ 22 d 2012June 22nd, 2012Chief Technologist, Financial Service Industry
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Increasing Pressure on Financial FirmsFinancial System Soundness:Capital, quality, liquidity, & risk
Increasing regulatory pressure:greater levels of transparency
S hi ti t d b tt kSophisticated cyber attacks:secure infrastructure, data & apps
Customer experience:agility to retain and grow market
share
Shareholder Demand:
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cost control & operational efficiency
Increasing Pressure on Financial FirmsFinancial System Soundness:Capital, quality, liquidity, & risk
80
100
Top Bank Efficiency Raio and ROE
Increasing regulatory pressure:greater levels of transparency
S hi ti t d b tt k
60
Sophisticated cyber attacks:secure infrastructure, data & apps
Customer experience:20
40
agility to retain and grow market share
Shareholder Demand:‐20
0
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cost control & operational efficiency Efficiency Ratio ROE Source: www.bankregdata.com (2011Q4 Data)
Technologies Impacting Financial ServicesFocus on customer experience and
agility to retain and grow market share
• Market place for Shared agile servicesCloud
Shareholder Demand for cost and operational efficiency • Pervasive and end-to-endSecurity
Increasing regulatory scrutiny requires greater levels of transparency
Sophisticated cyber attacks require
• Derive meaning from the digital worldBig Data
Th di it l ltSocial MediaSophisticated cyber attacks require stronger secure infrastructure
Improve soundness by increasing it l d i i li idit
• The digital cultureSocial Media
• Anywhere computing: markets, apps, paymentsMobility
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capital and improving liquidity paymentsMobility
2020 4B l li 31B t d d i 25M The Digital Life2020: 4B people online, 31B connected devices, 25M apps
Consumer ProfessionalCHANNEL SERVICESCHANNELS
USER SECURITY SERVICES (SSO, Authorization and Access Control)
CHANNEL INTEGRATION
Mobile Datacenter
HYBRID DELIVERY CLOUD
CHANNEL INTEGRATION
SERVICE SECURITY (Authentication, Authorization and Access Control)
SERVICE SECURITY (Authentication, Authorisation and Access Control)
BUSINESS SERVICES
EXTERNAL INTERFACES
ENTERPRISE SYSTEMS
INFORMATION MANAGEMENT & DATA SERVICES
CORE BANKING OPERATIONS
PLATFORM SECURITY (Authentication, Authorization and Access Control)
PLATFORMS
INFRASTUCTURE SECURITY
IT INFRASTRUCURE
CORPORATE
RETAIL
RISK MANAGEMENT & COMPLIANCE
WEALTH MANAGEMENT
TRADING
TREASURY & CASH MANAGEMENT
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Source: IDC, ICT Outlook: Recovering Into a New World, #DR2010 GS2 JG, March 2010
Mobile Datacenter
2020 4B l li 31B t d d i 25M The Digital Life: Data2020: 4B people online, 31B connected devices, 25M apps
TransactionsTransactions Social InteractionsSocial InteractionsPaymentsPayments
PhotosPhotosMovies/VideosMovies/Videos
M iM i
PersonalPersonalExhaust DataExhaust Data
MapsMapsL tiL ti
Consumer ProfessionalCHANNEL SERVICESCHANNELS
USER SECURITY SERVICES (SSO, Authorization and Access Control)
CHANNEL INTEGRATION
MusicMusicBooksBooks
MagazinesMagazinesNewspapersNewspapers
LocationLocationScientific DataScientific DataLife FootprintLife Footprint
BiologicalBiological
Mobile Datacenter
HYBRID DELIVERY CLOUD
CHANNEL INTEGRATION
SERVICE SECURITY (Authentication, Authorization and Access Control)
SERVICE SECURITY (Authentication, Authorisation and Access Control)
BUSINESS SERVICES
EXTERNAL INTERFACES
ENTERPRISE SYSTEMS
INFORMATION MANAGEMENT & DATA SERVICES
CORE BANKING OPERATIONS
PLATFORM SECURITY (Authentication, Authorization and Access Control)
PLATFORMS
INFRASTUCTURE SECURITY
IT INFRASTRUCURE
CORPORATE
RETAIL
RISK MANAGEMENT & COMPLIANCE
WEALTH MANAGEMENT
TRADING
TREASURY & CASH MANAGEMENT
NewspapersNewspapersArtArt
Public RecordsPublic Records
BiologicalBiologicalEnvironmentalEnvironmental
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Source: IDC, ICT Outlook: Recovering Into a New World, #DR2010 GS2 JG, March 2010
Mobile Datacenter
Cloud
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Cloud computing types for financial service firms
Banker
Core AttributesCore AttributesElasticElasticPayPay--perper--useuseNetworkedNetworked
Trusted external service providers
//
NetworkedNetworkedSharedSharedOnOn--demanddemand
Markets/CommunitiesMarkets/Communities
Software Services (Software Services (SaaSSaaS))
Platform Services (Platform Services (PaaSPaaS))
InfrastructureInfrastructure Services (Services (IaaSIaaS))
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8How is it used? What is delivered?
The Financial Service Marketplace evolvesNASDAQ
Market Replay
Expanding intoExpanding into cloud services
Attacking legacy b i d lbusiness models
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9 “Cloud” ServicesLegacy Services
Value of Cloud in FSIh ll d b kh ll d b kTop Challenges Faced by BanksTop Challenges Faced by Banks
Manage RecoveryManage Recovery Grow Customer BaseGrow Customer BaseHandle host of New & Changed RegulationsHandle host of New & Changed Regulations Absorb AcquisitionsAbsorb Acquisitions
Three Key Drivers for Cloud AdoptionThree Key Drivers for Cloud Adoption
Cost ReductionCost Reduction Speed to DeliverSpeed to Deliver AgilityAgilityOvverall cost reduction through –• SaaS - Avoidance of infrastructure cost • PaaS - Quicker development cycles• IaaS - Increasing utilization of infrastructure
components reducing total infrastructure needs overall
With technology innovation becoming more of an enabler of new banking products and channel innovations as well as increased regulatory changes expected, a bank's ability to quickly adapt to the changing landscape or become a market innovator by leveraging
Banks looking at Agility specifically with reference to IaaSLarge-tier banks &"megabanks" have extremely large sets of data and very high transaction volumes in solution areas that are load-intensive and read-intensive such as riskoverall
Enable banks to increase control over IT infrastructure with regard to fixed vs. variable costs and opex vs. capexFlexibility and control over costs to react to what is becoming an increasingly volatile economic
diti
y g gtechnology is a distinct competitive advantageCloud computing can offer faster initial implementations by eliminating the need for lengthy hardware acquisition cycles or capital investment project reviews
intensive and read intensive, such as risk management, trading algorithms, pricing, quantitative analysis and payments processingMegabanks are adopting or considering private cloud (internal to bank) IaaS to reduce overall infrastructure cost through consolidation of servers data centers and higher utilization of
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condition servers, data centers and higher utilization of their server footprint
Source: Market Insight: The Impact of Cloud Computing on Vendors in Banking – Gartner June 2010
HP Converged Cloud Portfolio
BUILD, MANAGE & SECURE
CONSUME Off-premise services
SECURE(across all models)
• CloudSystem• IT Performance Suite
Managed Cloud• Enterprise Cloud Services
• IT Performance Suite Services
A t P t t & P t
INFORMATIONAPPLICATIONS
INFRASTRUCTURE
• IT Performance Suite• Converged Infrastructure
• Autonomy Protect & Promote Services
Public Cloud• HP Cloud Services
Public Cloud
Traditional Private Cloud Managed Cloud
PROFESSIONAL SERVICES
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1111
Consulting & implementation Financing Education
S i i lti l b k i S it l dHP banking service centerServicing multiple banks in Switzerland
•Core banking services•Single application instance
Bern Banking Service Bern Banking Service CenterCenter
LargeLargeLocationsLocations
•Single application instance•Service delivery model•Usage-based pricing
WAN
Small Small LocationsLocations
MediumMediumLocationsLocations
OfficeSpace
DataCenter
LiebefeldLiebefeld
•Consistent compliance•Innovative product design tool•Transaction hub
External GatewaysExternal Gateways
Public Internet
Other ClientNetworks
BulgariaBulgariaBank Bank CustomersCustomers HP Services
Network•Transaction hub•Real-time multi-channel operations•365x24 operations
SlovakiaSlovakia
HP Global HP Global
Second Data Second Data CenterCenter
Small Small
LargeLargeLocationsLocations
DataCenter
Network
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Global Apps Global Apps CapabilitiesCapabilities
NetworkNetworkOperationsOperations
CenterCenter
LocationsLocationsMediumMediumLocationsLocations
D li i h b id d li l dGlobal bank use caseDelivering a hybrid delivery cloud
•Deliver IT as a service•Co-branded•Co-branded•HP designed, built, delivered, and operated•Engaged risk management, compliance, and security officers•Regulatory Compliance a key driver•Expandable service catalog and price list•Expandable service catalog and price list•Provision in hours as opposed to days
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Key take-aways
Cloud is an emerging disruptive force; a strategic transformation and journey11
Cloud decreases time to market, increases agility, reduces cost, and enables new business models22
Assess what assets can move to cloud and start with an internal IaaS as a foundation towards a service ecosystem33
HP recommends a hybrid delivery framework to integrate all sources and automate 44
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Security
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Top 5 Global Risks in Terms of Likelihood
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1616 Global Risks 2012 Seventh Edition, World Economic Forum,http://www3.weforum.org/docs/WEF_GlobalRisks_Report_2012.pdf
The Threat
•SWIFT: The operator of the world’s largest messaging network for financial transactions said its communicationsnetwork for financial transactions said its communications systems are facing record levels of aggression from cyber hackers and attackers *hackers and attackers.•38% of financial services respondents say they have been hit by cyber crime of one sort or another. **y y•Ponemon Institute found that >1 successful attack/week/company (44% increase).***
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17* http://www.securitiestechnologymonitor.com/news/swift-terrorism-at-new-peak-shah-30120-1.html?zkPrintable=true** Cybercrime: protecting against the growing threat, Global Economic Crime Survey, Nov 2011, PWC.*** Second Annual Cost of Cyber Crime Study, August 2011, Ponemon Institue.
Example Breaches
Global BanksCommunity BankBank Outsourcer
ExchangePayment Networks
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HP’s Framework Embodies End-to-End S itSecurity
INFORMATION SECURITY MANAGEMENT
Threat & Risk Management
Security Architecture
Policy and Risk
Security Performance Compliance
and AuditTraining and Awareness
Security Supplier HP Secure Boardroom
SECURITY OPERATIONS
Management ArchitectureRisk Management and Audit AwarenessManagement
Identity andRisk SecurityAccreditation &
HP Secure Boardroom
DATA CENTER NETWORK APPLICATION END-POINT
Identity and Access
Management
Risk Assessment
and Mitigation
Security Change Control
Incident Management
Monitoring and Alerting
Universal Log Management
Accreditation & Acceptance
TestingHP ArcSight SIEM HP IT Performance Suite
Data & Content Security
Business Recovery & Continuity Services
D t C t S it
Securing Data in Motion
N t k S it
IDS/IPS Application Delivery
Securing Data in Use
A li ti S it A t E d i t S it
Mobile Security
Securing Data at Rest
HP Tipping Point
HP Enterprise Secure Key Mgr
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Data Center Security Network Security Application Security Asset, Endpoint SecurityHP Fortify Security Center
Key take-aways
Security and risk management alignment11
Security and IT operations integration22
Situational Awareness / Rapid response33
Actively and Continuously monitor and evolve44
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Big Dataa sub-category ofInformation Management
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DefinitionUploading video
in the US
Social networkingIn Germany Researching in
China Of the 6.9 billion people in the world, only 2.3 billion are online.Chatting in India
Blogging in Brazil
2020
only 2.3 billion are online.
202025 million apps4 billion people online
http://www.internetworldstats.com/stats.htm
450 billion online interactions, per day1.3 trillion tags/sensors
31 billion connected devices
50 t illi i b t f d t t d
Spe
ed
Complexity
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50 trillion gigabytes of data created
Big Data valuable to Financial Services
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“Big Data: The next frontier for innovation, competition, and Productivity, McKinsey Global Institute, Presented at SIBOS, September 20, 2011
What are Banks doing?
•Track behaviour"Our top business
challenges are optimizing•Adjust risk exposure•Correlate with transactionU d t d
challenges are optimizing customer relationships,
optimizing financial functions, Reducing business risk and
•Understand•Predict and influence
ensuring regulatory compliance. Our prioritization is around our customer and
thenthenrevenue / profits."
– C Level Executive
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Benefits for Banks
•Customer behaviourMultichannel Customer Interaction•Multichannel Customer Interaction
•Product Innovation•Risk Management and Compliance•Risk Management and Compliance•Strategy and brand marketing•Archiving & eDiscoveryArchiving & eDiscovery•Information Management
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Making the most of structured and unstructured data From Information to Insight
g
DATA: BIG, FAST, TOTAL • Big streams of rich dataBig streams of rich data • Fast insight on data in motion (e.g., sensors)
• Across Total relevant data sets
D t I i htINSIGHT @ SPEED OF BUSINESS
Next wave of analytics apps in connected world – high scalability, least energy
Data sources
Insights & actions
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HP: THE NEXT GEN INFORMATION PLATFORM
Audio Video TextsEmail Social MediaSearch EngineMobileTransactional Data IT/OT Documents Images
CONTEXT-AWARE COMPUTING PATTERN-BASED STRATEGY INFORMATION SHARING MONETIZING INFORMATION
THE NEXT GEN INFORMATION PLATFORM – IDOL 10 / Vertica
• Provides the ability for enterprise to leverage and use 100% of their structured and unstructured business relevant information
• Understands the meaning and context of Human and Extreme information
f i lbusiness relevant information • Performs advanced analytics and applies pattern-
based strategy in real-time• Designed to provide unprecedented speed,
• Ability to process information in-place or in a data warehouse
• Makes information accessible to all enterprise applications
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g p p p ,simplicity and scalability
pp
Key take-aways
New Architecture11
Enables transparency22
Enables experimentation, analysis, value creation, and new business models33
Data Policy44
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32
Social Media
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Social Media
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3434
Social Networks Demographics
1 400 000 000
1,600,000,000
Population/Registered Users
800 000 000
1,000,000,000
1,200,000,000
1,400,000,000
400,000,000
600,000,000
800,000,000
0
200,000,000
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3535
Corporates embracing social media
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3636Source: “How social technologies are extending the organization”, McKinsey Quarterly, November, 2011, http://www.mckinseyquarterly.com/High_Tech/Strategy_Analysis/How_social_technologies_are_extending_the_organization_2888
Examples in Financial Services
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3737
Virtual Currencies & Loyalty Programs
F t FlFrequent Flyer Programs
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Key take-aways
Reach and learn from customers11
Mange brand22
Drive campaigns33
Govern appropriate usage44
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Mobility
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A d th l i Mobility becomes part of life for everyone... And the scale is enormous•Instant connections, communication & collaboration is changing people’s behavior
•Access to on line services is part of daily activity – Mobility First is quickly becoming the
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y y y y gbusiness top priority
Online and Mobile Banking Transactions C ti t I R idlContinue to Increase Rapidly
US Self-Service Banking Transactions by Channel (In Billions)100 ATM
(CAGR 0 8%)
14 060
80(CAGR = 0.8%)Online(CAGR = 20.1%)M bil
18 6 23 3 26.8 30.0 33.3 35.0 1.2 3.0 5.6
9.4 14.0
40
60 Mobile(CAGR = 84.8%)
14.0 14.2 14.3 14.4 14.5 14.6 14.6 14.7 14.8 15.0 15.1 5.6 7.3 9.1 11.8 15.3 18.6 23.3 26.8
0
20
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013
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42
Source: TowerGroup
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013
US Branch Transactions Are Declining (2010 14P)(2010–14P)
Transactions (In Billions)14 7015 14.70
14.11
13 6914
15
13.69
13.28 12.88 13
12
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43 Source: TowerGroup
2010 2011 2012 2013 2014
Mobile Payments LandscapePhysical Location / POS Online Mobile
P2P Transfers
(Domestic and International)International)
Payments to
Merchants
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Slide 44
* Updated version of table from Edgar, Dunn & Company
Example Mobile Applications
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Bring Your Own DeviceBalancing choice while protecting corporate assets
• Employees and customers use
Balancing choice while protecting corporate assets
BenefitsShift t t
p ytheir own device• How to:
E b
•Shift cost to users•Increasing employee satisfaction•Accelerate technology adoptionConcernsA t bl U P li• Embrace
• Govern usage• Protect assets and data
•Acceptable Use Policy• Minimum security policy• Company mandated security tools•Compliance and data ownership•Retrieving company data on separation
• Path towards pervasive computingg p y p
Risks•Unencrypted information•Consumer Applications•Weak passwords and security
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p y
Key problems for ITManagement of different platforms
• From a single client OS to multiple OS
Management of different platforms
2007 2010 2013
• Different devices, different form factors, different update and life cycles ?y
• How to manage migration of existing platforms
?
• What about current desktop /Laptop strategy
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Own vs BYOD
Security and risk management Is it safe?Key issues for IT
Device Overload Ever-Changing Types,
h
Security and risk management – Is it safe?
OSs and Security Features
Network Threats Usage of Many Secure
App Threats Insecure Access
to Corporate Apps Data Threats
and Unsecure Networks
Lack of Mobile NetworkVisibility
Apps
Lack of Reliability
U Th t
Sensitive Data Leakage
Device Lost or Employee Leaves
Corporate Network Vulnerability to Mobile Threats
Acting in Non-Compliant / Wrongful Ways
User Threats
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Wrongful Ways
BYOD Considerations• Trust Model• Remediation optionsTi d li• Tiered policy
• User experience vs. security exposure tradeoff• Corporate data protection (in transit, on device)p p ( , )• Device control• Acceptable use policy (cloud services)Li bilit t• Liability assessment
• Education
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4949
Hp Enterprise Mobility Services FrameworkFramework
• App Virtualization• Desktop Virtualization• Mobile Apps – Native, Web
Mobility Apps Platform
• Voice Transformation• Virtual Workplace• Unified Messaging
Unified Communication
PROSUMER• Network Protection• Cloud Protection• Mobile Data Protection
Mobility Protection
• Infrastructure Mgt• Mobile Device Mgmt
Mobility Device Management
• Mobile Access Protection
• Performance Engineering
Mobile Applications
• Storage Consulting
Mobile Data
Performance Engineering• App Transformation• Mobile App Management• Windows 7/8 Migration
• Storage Consulting• Mobile Data Trans.• Enterprise Data Sharing• Analytics/BI
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• Education Services (UC)• Education Services (Mobility)• Mobility Policies (BYOD)
GRC - MoC
• Network Transformation• Voice over Wi-Fi• Fixed Mobile Convergence• Cloud Services Integration
Enterprise Connectivity
• Search/ Information• Document Management• Social Collaboration• Mobile Process Enablement
Collaboration
Key take-aways
Mobility is the transaction platform of the future11
Expect rapid technology innovations in near term22
Enables innovation business models33
HP recommends an encompassing platform44
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Summary
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Positioned for the Future Mobile Social Network
10 Billion Mobile Devices Human Decisions
• Personal• Organizational
10 Billion People
Insights &
Enterprise &
Sea of Sensors
1 Billion 1024 bytes of
1 TrillionSensors
Process Control• Machinery• Workflow 100 Million
10 Billion Processes
Insights & Actions
Consumer Datao
ServicesStored Data Entities
OUR ARCHITECTURE YOUR BENEFITS • Data and transform co-located• Distributed and interdependent• Secure and auditable
• Fastest time to insight• Most connection to sources and actions• Isolation between circles of interest
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2020 4B l li 31B t d d i 25M Key Takeaways for Financial Institutions2020: 4B people online, 31B connected devices, 25M apps
Corporate and cons mers al a s onlineCorporate and cons mers al a s onlineCorporate and consumers always onlineCorporate and consumers always onlineEverything digitalEverything digital
ServiceService--based economybased economy
Consumer ProfessionalCHANNEL SERVICESCHANNELS
USER SECURITY SERVICES (SSO, Authorization and Access Control)
CHANNEL INTEGRATION
ServiceService based economybased economyData in motion architectureData in motion architecture
Marketplace growthMarketplace growth
Mobile Datacenter
HYBRID DELIVERY CLOUD
CHANNEL INTEGRATION
SERVICE SECURITY (Authentication, Authorization and Access Control)
SERVICE SECURITY (Authentication, Authorisation and Access Control)
BUSINESS SERVICES
EXTERNAL INTERFACES
ENTERPRISE SYSTEMS
INFORMATION MANAGEMENT & DATA SERVICES
CORE BANKING OPERATIONS
PLATFORM SECURITY (Authentication, Authorization and Access Control)
PLATFORMS
INFRASTUCTURE SECURITY
IT INFRASTRUCURE
CORPORATE
RETAIL
RISK MANAGEMENT & COMPLIANCE
WEALTH MANAGEMENT
TRADING
TREASURY & CASH MANAGEMENTAgility & Speed to MarketAgility & Speed to Market
GRC: Governance, Risk, and ComplianceGRC: Governance, Risk, and Compliance
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Source: IDC, ICT Outlook: Recovering Into a New World, #DR2010 GS2 JG, March 2010
Mobile Datacenter
Thank you
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