Microsoft Industry Reference Architecture for Banking...

Microsoft Industry Reference ArchitectureMicrosoft Industry Reference Architecturefor Banking (MIRA-B)for Banking (MIRA-B)May 2012May 2012

MicrosoftMicrosoft®® Corporation Corporation

Microsoft Microsoft Industry Industry Reference Reference Architecture Architecture for for Banking Banking Worldwide Worldwide Financial Financial ServicesServices

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The intended audience of this document includes financial institution CTOs, The intended audience of this document includes financial institution CTOs, technical and businesstechnical and business

architects, consultants, financial services technology vendors and others who architects, consultants, financial services technology vendors and others who are involved inare involved in

making technology decisions within the banking industry. It assumes the reader is fammaking technology decisions within the banking industry. It assumes the reader is familiar withiliar with

business and IT operations in the banking business and IT operations in the banking industry.industry.

For further information and updates related to MIRA-B, please visitFor further information and updates related to MIRA-B, please visit www.microsoft.com/mira-bwww.microsoft.com/mira-b..

Microsoft welcomes feedback and suggestions related to Microsoft welcomes feedback and suggestions related to MIRA-B. Please email us atMIRA-B. Please email us at

[email protected]@microsoft.com..

http://www.microsoft.com/mira-b



http://mailto:[email protected]/





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ContentsContents

ForewordForeword .................................................................................................................................................................................................................................................. ............ 44

Introduction and Executive SummaryIntroduction and Executive Summary ....................................................................................................................................................................... . 55

Traditional Silos vs. Shared Service Integration ApproachTraditional Silos vs. Shared Service Integration Approach ................................................................................... 6................. 6

Microsoft Capabilities and Solutions in the Microsoft Capabilities and Solutions in the Financial Services IndustryFinancial Services Industry ...................... ............................... ......... 66

Microsoft Industry Reference Architecture for Banking (MIRA-B)Microsoft Industry Reference Architecture for Banking (MIRA-B) ........................................................................ 7...... 7

MIRA-B Business ViewMIRA-B Business View .............................................................................................................................................................................................................. ........ 88

Alignment of Business View to Solutions Alignment of Business View to Solutions and Capabilitiesand Capabilities ................................................................................. ............... 1010

Technology Forces Driving ArchitectureTechnology Forces Driving Architecture ................................................................................................................................................ ............ 1212

Framework for Banking SolutionsFramework for Banking Solutions ......................................................................................................................................................................... ....... 1515

Example scenariosExample scenarios............................................................................................................................................................................................................... ......... 1717

MIRA-B and Microsoft Platform CapabilitiesMIRA-B and Microsoft Platform Capabilities .......................................................................................................................................... ...... 2222

Technology Capabilities View of Microsoft Enterprise PlatformTechnology Capabilities View of Microsoft Enterprise Platform .......................................................................... ...... 2222

End User End User ExperienceExperience ......................................................................................................................................................................................................... . 2323

Application ServicesApplication Services ......................................................................................................................................................................................................... . 2525

Data ServicesData Services .................................................................................................................................................................................................................... ............ 2828

Infrastructure ServicesInfrastructure Services ..................................................................................................................................................................................... ............... 3030

Lifecycle ManagementLifecycle Management ..................................................................................................................................................................................... ............... 3333

Technology Capabilities ViewTechnology Capabilities View –– Microsoft Azure Platform Microsoft Azure Platform ................................................................................. ............... 3434

New Paradigms for Delivering Banking ApplicationsNew Paradigms for Delivering Banking Applications.............................................................................................................. .......... 3636

Industry Standardization of Banking ServicesIndustry Standardization of Banking Services ..................................................................................................................................... . 3636

Extending Application Architectures to the CloudExtending Application Architectures to the Cloud .............................................................................................................. .......... 3838

MIRA-BMIRA-B –– Developing a Services View of Developing a Services View of ArchitectureArchitecture ........................................................................................................ .... 3939

Microsoft Capabilities as Microsoft Capabilities as an Enabler of an Enabler of Industry-stanIndustry-standard Banking Servicesdard Banking Services ..................... 43 ..................... 43

Why Microsoft?Why Microsoft? ....................................................................................................................................................................................................................... ............... 4646

SummarySummary ................................................................................................................................................................................................................................................ .......... 4747

Appendix AAppendix A –– Big Data Big Data ......................................................................................................................................................................................................... . 4949

Appendix BAppendix B –– Innovative End User Experience Innovative End User Experience ................................................................................................................................... . 5050

Appendix CAppendix C –– Detailed Capability View Detailed Capability View .............................................................................................................................................. ............ 5454

Appendix DAppendix D –– Approach to Approach to Mission Critical ArchitecturesMission Critical Architectures ................................................................................................ .. 5757

Appendix EAppendix E –– Integrated Security Services Integrated Security Services .......................................................................................................................................... ...... 5858

Appendix FAppendix F –– Rapid Provisioning with Cloud Rapid Provisioning with Cloud ComputingComputing .......................... ................................................................... ....... 6060

Appendix GAppendix G –– BIAN Service Landscape BIAN Service Landscape .............................................................................................................................................. ............ 6161


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Section ISection I

ForewordForeword

Yoshio Taniguchi, the famous Japanese architect who redesigned the Museum of Modern Art inYoshio Taniguchi, the famous Japanese architect who redesigned the Museum of Modern Art in

New York, was quoted as saying: “Architecture is basically a New York, was quoted as saying: “Architecture is basically a container ofcontainer of something. I hope theysomething. I hope they

will enjoy not so much the teacup, but the tea.”will enjoy not so much the teacup, but the tea.”11

Microsoft and its technology partners provide horizontal computing solutions and vertical industryMicrosoft and its technology partners provide horizontal computing solutions and vertical industry

applications to major financial services institutions around the world. As applications to major financial services institutions around the world. As our worldwide financialour worldwide financial

services team at Microsoft engages customers, partners, and industry analysts around services team at Microsoft engages customers, partners, and industry analysts around the worldthe world

we have derived a simple vision. That is: we have derived a simple vision. That is: “looking forward, financial institutions must be present in“looking forward, financial institutions must be present in

the financial lives of the financial lives of their customers any time, any place, on any their customers any time, any place, on any device, and across any channel,device, and across any channel,

and deliver value-added services in real-and deliver value-added services in real-time.”time.”

I want to I want to thank our valued customers, partners and analysts who we are privileged to serve on thank our valued customers, partners and analysts who we are privileged to serve on aa

daily basis. With your continued support we will daily basis. With your continued support we will together redefine the value being realized in thetogether redefine the value being realized in the

industry as we innovate together in financial services. The by-product of industry as we innovate together in financial services. The by-product of sound architecture is asound architecture is a

seamless customer expeseamless customer experience. As a result of our rience. As a result of our banking architecture work, I hope that ourbanking architecture work, I hope that our

banking customers as well as their customers enjoy not banking customers as well as their customers enjoy not so much the teacup, but so much the teacup, but the tea!the tea!

Joseph PaganoJoseph Pagano

Managing Director, Worldwide Banking & Capital Managing Director, Worldwide Banking & Capital MarketsMarkets

Microsoft CorporationMicrosoft Corporation

Supporting organisationsSupporting organisations

The following firms The following firms have provided endorsement for the MIRA-B have provided endorsement for the MIRA-B framework:framework:

11 Time Time magazine, 22 Nov 2004 magazine, 22 Nov 2004


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Section IISection II

Introduction and Executive SummaryIntroduction and Executive Summary

The banking industry The banking industry is experiencing unprecedentis experiencing unprecedented change with ed change with some even questioning whethersome even questioning whether

it is it is possible for financial institutions to effectively serve customers, meet new regulatorypossible for financial institutions to effectively serve customers, meet new regulatory

requirementrequirements, and create is, and create innovative new business models and solutions nnovative new business models and solutions while sustainingwhile sustaining

profitability. Financial institutions are facing profitability. Financial institutions are facing competition from non-traditional players; for example,competition from non-traditional players; for example,

global retailers providing in-store banking global retailers providing in-store banking services, phone companies providing mobile financialservices, phone companies providing mobile financial

services, P2P payments firms taking services, P2P payments firms taking increasing share of the lucrative increasing share of the lucrative payments market, P2P onlinepayments market, P2P online

lending firms becoming more lending firms becoming more popular, and personal financial management firms offeringpopular, and personal financial management firms offering

aggregation solutions that sit between the customer and the financial institution. Suchaggregation solutions that sit between the customer and the financial institution. Such

disintermediation puts the financial institution further away disintermediation puts the financial institution further away from managing the customerfrom managing the customer

experience across channels.experience across channels.

It is safe to It is safe to say that with increasing Tier 1 say that with increasing Tier 1 capital requirementscapital requirements, declining margins, and increasing, declining margins, and increasing

operational costs, economics of operational costs, economics of the banking business must change. the banking business must change. ResearResearch from ch from Temenos hasTemenos has

shown that banking has the highest IT shown that banking has the highest IT cost as a percentage of total costs. cost as a percentage of total costs. This research estimateThis research estimatess

that 14% of costs in banking are IT related compared to a cross industry average of 7% caused bythat 14% of costs in banking are IT related compared to a cross industry average of 7% caused by

multiple factors including multiple factors including redundantredundant, outdated, and/or siloed , outdated, and/or siloed applications.applications.

22

In In response, Microsoftresponse, Microsoftsees a number of financial institutions deploying shared resource models, removing silos andsees a number of financial institutions deploying shared resource models, removing silos and

consolidating business processeconsolidating business processes, applications, and data to help bring s, applications, and data to help bring costs more in line andcosts more in line and

dramatically impact the cost income ratio. This is dramatically impact the cost income ratio. This is a major rationale for the creation of a major rationale for the creation of the Bankingthe Banking

Industry Architecture Network (BIAN) which Microsoft co-founded in 2008 along with Industry Architecture Network (BIAN) which Microsoft co-founded in 2008 along with banks suchbanks such

as ING and Credit Suisse. BIAN is as ING and Credit Suisse. BIAN is focused on creating an industry-standard by defining commonfocused on creating an industry-standard by defining common

business services for banking to simplify integration and reduce technology costs. Althoughbusiness services for banking to simplify integration and reduce technology costs. Although

increasing operational efficiency is a good business practice, it only increasing operational efficiency is a good business practice, it only buys time. Innovation whichbuys time. Innovation which

creates differentiatcreates differentiated customer experiences at scale must ed customer experiences at scale must be an equal be an equal partner on the agenda.partner on the agenda.

Reference architeReference architectures are an important tool ctures are an important tool that can help financial institutions modularize andthat can help financial institutions modularize and

align business and technology assets in a predictable way. By developing business referencealign business and technology assets in a predictable way. By developing business reference

architecturearchitectures, financial institutions are in s, financial institutions are in a position to start rationalizing and assigning a position to start rationalizing and assigning rolerole

ownership to various banking services which can then be ownership to various banking services which can then be consumed by other areas of the financialconsumed by other areas of the financialinstitution as needed.institution as needed. Such repeatability and modularity removes redundancy and as Such repeatability and modularity removes redundancy and as a resulta result

lowers costs and speeds up the flow lowers costs and speeds up the flow of information. It can also of information. It can also result in faster delivery of productsresult in faster delivery of products

to market, reduce operational risk, and improve the ability to market, reduce operational risk, and improve the ability to listen to customers. Rapidto listen to customers. Rapid

deployments for example, of multi-channel customer facing solutions can help capture newdeployments for example, of multi-channel customer facing solutions can help capture new

customers and perhaps entire new markets as they emerge.customers and perhaps entire new markets as they emerge.

Repeatable architeRepeatable architectures allow financial ctures allow financial institutions to diinstitutions to differentiafferentiate their products te their products and services andand services and

reuse commodity resources where efficiencies can be gained. Within the context of a commonreuse commodity resources where efficiencies can be gained. Within the context of a common

architecturaarchitectural framework this l framework this provides new levels of provides new levels of data, application, and business processdata, application, and business process

transparetransparency. ncy. Such Such transparetransparenncy significantly improves a financial institution’s ability cy significantly improves a financial institution’s ability to manageto manage

risk and understand the needs and wants of risk and understand the needs and wants of its customers.its customers.

22 Source: Tackling the Productivity Paradox (Temenos White Paper) Source: Tackling the Productivity Paradox (Temenos White Paper)


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Traditional Silos vs. Shared Service Integration ApproachTraditional Silos vs. Shared Service Integration Approach

Application, data, and process silos still exist in Application, data, and process silos still exist in many banks. This increases the number of movingmany banks. This increases the number of moving

parts, results in inconsistent customer experiences, and increases operational risk as parts, results in inconsistent customer experiences, and increases operational risk as well aswell as

operational costs.operational costs.

Figure 1: Traditional Silo Figure 1: Traditional Silo vs. Shared Service Integrationvs. Shared Service Integration

An integrated platform aligned to a holistic An integrated platform aligned to a holistic architecture view can help break down process,architecture view can help break down process,

application, and data silos across the bank by application, and data silos across the bank by fostering a shared services and resource capability.fostering a shared services and resource capability.

The result can drive cross divisional insights The result can drive cross divisional insights and upsell capabilities, reduce cost and risks, andand upsell capabilities, reduce cost and risks, and

improve customer satisfaction.improve customer satisfaction.

Microsoft Capabilities and Solutions in the Microsoft Capabilities and Solutions in the Financial Services IndustryFinancial Services Industry

Microsoft is uniquely positioned to help Microsoft is uniquely positioned to help financial institutions address industry challengefinancial institutions address industry challenges ands and

opportunities by providing a comprehensive array of mission-critical IT solutions and capabilitiesopportunities by providing a comprehensive array of mission-critical IT solutions and capabilities

which span from the back-office to which span from the back-office to the front-office, device to the datacenter, on-premise, and inthe front-office, device to the datacenter, on-premise, and inthe cloud. Microsoft’s technologies are built for mission critical the cloud. Microsoft’s technologies are built for mission critical operations and are successfullyoperations and are successfully

deployed throughout many of deployed throughout many of the world’s largest financial institutions. These capabilities includethe world’s largest financial institutions. These capabilities include

highly scalable server and highly scalable server and client infrastructure, secure data and application platforms, Big client infrastructure, secure data and application platforms, Big DataData

and predictive customer analytics, ultra-low land predictive customer analytics, ultra-low latency OS-level support, productivity, CRM/xRM,atency OS-level support, productivity, CRM/xRM,

workflow and collaboration, as well as the connected workflow and collaboration, as well as the connected user experience both on premise and in user experience both on premise and in thethe

cloud. Such capabilities are the foundation for Microsoft and cloud. Such capabilities are the foundation for Microsoft and its extensive ecosystem of industryits extensive ecosystem of industry

partners in the areas of Sales & Service, Digital Marketing, Governance, Risk, & Compliance,partners in the areas of Sales & Service, Digital Marketing, Governance, Risk, & Compliance,

Business Insights and Business Insights and Operations.Operations.


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Figure 2: Alignment of Microsoft Platform to Partner SolutionsFigure 2: Alignment of Microsoft Platform to Partner Solutions

Microsoft Industry Reference Architecture for Banking (MIRA-B)Microsoft Industry Reference Architecture for Banking (MIRA-B)

The Microsoft Industry Reference Architecture for Banking The Microsoft Industry Reference Architecture for Banking (MIRA-B) depicts a banking (MIRA-B) depicts a banking architecturearchitecture

based-based-on Microsoft’s technology platform andon Microsoft’s technology platform and services. MIRA-B provides a logical services. MIRA-B provides a logical architecturaarchitecturallpoint of view point of view for financial institutions to use for financial institutions to use for planning purposes. This begins with a businessfor planning purposes. This begins with a business

architecture view (aligned to the work of architecture view (aligned to the work of BIAN) of the vertical lines of BIAN) of the vertical lines of the banking business andthe banking business and

aligns those to aligns those to a logical banking a logical banking technology architecture leveratechnology architecture leveraging platform ging platform and infrastructureand infrastructure

services for on-premise and cloud services for on-premise and cloud deployments of banking application services.deployments of banking application services.

Figure 3: MIRA-B Document FlowFigure 3: MIRA-B Document Flow

Beyond the elements of Beyond the elements of the MIRA-B reference architecture, Microsoft also recognizes that missionthe MIRA-B reference architecture, Microsoft also recognizes that mission

critical solution deployments in financial services require much more than just critical solution deployments in financial services require much more than just technical capability.technical capability.

Microsoft advocates that the appropriate process, people and Microsoft advocates that the appropriate process, people and governance around financialgovernance around financial

services solutions is also vital. This topic is explored in more detail inservices solutions is also vital. This topic is explored in more detail in Appendix DAppendix D –– Approach to Approach to

Mission Critical Mission Critical ArchitecturesArchitectures


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Section IIISection III

MIRA-B Business ViewMIRA-B Business View

This section of the This section of the architecture presarchitecture presents a technology agnostic, business view of ents a technology agnostic, business view of bankingbanking

operations. This business view is used in operations. This business view is used in this document as a backdrop to this document as a backdrop to highlight Microsofthighlight Microsoft

platform and partner capabilities and how they can be platform and partner capabilities and how they can be used within a financial institution’sused within a financial institution’s

technology architecture framework.technology architecture framework.

It is vitally It is vitally important to recognize the interrelation of business operations with technologyimportant to recognize the interrelation of business operations with technology

architecturearchitecture. The two . The two cannot be considered in isolation; they are very tightly cannot be considered in isolation; they are very tightly connected. Inconnected. In

accordance with the practices set forward by BIAN, Microsoft also accordance with the practices set forward by BIAN, Microsoft also recommends that financialrecommends that financial

institutions first consider a business architecture view of the banking environment. Optimalinstitutions first consider a business architecture view of the banking environment. Optimal

efficiencies and savings occur efficiencies and savings occur when the business processes are transformed and supported by when the business processes are transformed and supported by thethe

new technology new technology architecturearchitecture..

The business architecture maps out a view of The business architecture maps out a view of banking capabilities and services that will allow forbanking capabilities and services that will allow for

strategic growth. In this it strategic growth. In this it is important to recognize that the nature of is important to recognize that the nature of banking and the waybanking and the way

banking products are delivered has shifted dramatically since the 1980s and early banking products are delivered has shifted dramatically since the 1980s and early 1990s. In the1990s. In the

past products were typically defined by the capabilities of past products were typically defined by the capabilities of legacy banking systems, with the branchlegacy banking systems, with the branchbeing the service channel. Financial institutions offered services based on what could bebeing the service channel. Financial institutions offered services based on what could be

processed rather than what customers needeprocessed rather than what customers needed. That has now d. That has now changed with the ability changed with the ability to deliverto deliver

banking services through multiple channels and devices; and as a result a plethora of banking services through multiple channels and devices; and as a result a plethora of newnew

channels and banking products have been created within any given ichannels and banking products have been created within any given institution since the latenstitution since the late

1990s.1990s.

Microsoft recognizes that no two financial institutions are the same in Microsoft recognizes that no two financial institutions are the same in terms of market focus,terms of market focus,

segmentation, nor the respective deployment of technology. However, the logicsegmentation, nor the respective deployment of technology. However, the logical diagram inal diagram in

figure 4 shows a figure 4 shows a layered architecture for a ‘Universal Banking’ business that covers five mainlayered architecture for a ‘Universal Banking’ business that covers five main

market segments. This is shown for completeness, but few financial institutions in market segments. This is shown for completeness, but few financial institutions in any givenany given

market will operate in all market will operate in all five segments.five segments.

Market Market Segment Segment DescriptionDescriptionInvestment Investment Banking Banking This This segment segment services services corporations, corporations, other other financial financial institutions institutions andand

governments with raising funds via capital markets. Additional offerings includegovernments with raising funds via capital markets. Additional offerings include

trading and investment services.trading and investment services.

Commercial Commercial and and Business Business Banking Banking These These services services are are offered offered to to larger larger domestic domestic and and multi-namulti-national tional commercialcommercial

clients and include payments and cash management, trade services, andclients and include payments and cash management, trade services, and

liquidity management.liquidity management.

Retail Retail Banking Banking This This represents represents the the mainstream mainstream consumer consumer banking banking segment segment for for individuals individuals andand

small businesses. Typical products are checking (current) accounts and savings,small businesses. Typical products are checking (current) accounts and savings,

credit and debit cards and consumer loans.credit and debit cards and consumer loans.

Wealth Wealth Management Management This This represents represents private private banking banking and and wealth wealth management management services services for for high high netnet

worth clients. Typical products offered are portfolio management andworth clients. Typical products offered are portfolio management and

investment serviceinvestment services as s as well as financial planning and well as financial planning and advice.advice.

Life Life and and Annuity Annuity Insurance Insurance Products Products and and services services would would typically typically include include life life insurance, insurance, accident, accident, healthhealth

and annuities.and annuities.

Non-Life Non-Life Insurance Insurance Non-life Non-life insurance insurance products products and and services services would would typically typically include include property property andandcasualty, and be offered to consumers and corporations.casualty, and be offered to consumers and corporations.


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Figure 4: MIRA-B Business ViewFigure 4: MIRA-B Business View


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Referring to figure 4, the business architecture of a Referring to figure 4, the business architecture of a financial institution is effectively segmentedfinancial institution is effectively segmented

into four groups: Sales and Service, Governance Risk and Compliance (GRC), Core Processing, andinto four groups: Sales and Service, Governance Risk and Compliance (GRC), Core Processing, and

Corporate Operations. This refers to products, functions Corporate Operations. This refers to products, functions and business services rather than specificand business services rather than specific

processing applications or technology environments. For this processing applications or technology environments. For this reason, delivery channels are notreason, delivery channels are not

explicitly identified at this level although the explicitly identified at this level although the function of channel management is.function of channel management is.

Business Business ArchitectuArchitecturere

StrataStrata

DescriptionDescription

Sales, Service,Sales, Service,

Marketing, andMarketing, and

Product ManagementProduct Management

This layer defines the products and services offered to customer entities by a financialThis layer defines the products and services offered to customer entities by a financial

institution, and isinstitution, and is also referred to here as the “front office”, or “order placement” Figure 4also referred to here as the “front office”, or “order placement” Figure 4

shows how the products are aligned across distinct banking segments and customers.shows how the products are aligned across distinct banking segments and customers.

This list includes (but is not limited to): consumers, corporations, public sectorThis list includes (but is not limited to): consumers, corporations, public sector

departments and agencies, broker/dealers, and other financial institutions. Each customerdepartments and agencies, broker/dealers, and other financial institutions. Each customer

group will be offered a different suite of products and delivery channelsgroup will be offered a different suite of products and delivery channels

Risk ManagementRisk Management

and GRCand GRC

Often referred to as the “midOften referred to as the “mid--office,” this layer consists of common business supoffice,” this layer consists of common business supportport

services for risk management, governance, operational security and compliance. Theseservices for risk management, governance, operational security and compliance. These

services have an enterprise focus regardless of industry segment, product offerings andservices have an enterprise focus regardless of industry segment, product offerings and

operational processes.operational processes.

Core Core Processing Processing This This layer layer of of the the business business architecture architecture defines defines operational operational functions, functions, those those essential essential to to thethe

business of financial services. Functions in this segment are not customer-facing. Thesebusiness of financial services. Functions in this segment are not customer-facing. These

are business operations areas focused on transaction processing and execution. Someare business operations areas focused on transaction processing and execution. Some

services are vertical specific (such as insurance policy admin and claims processing),services are vertical specific (such as insurance policy admin and claims processing),

whereas others are functionally common across different vertical segments (such as G/Lwhereas others are functionally common across different vertical segments (such as G/L

posting and billing) but in reality would likely require separate instantiations. Additionalposting and billing) but in reality would likely require separate instantiations. Additionalcommon functions and processing services (such as customer management andcommon functions and processing services (such as customer management and

payments processing) will support all vertical lines of business.payments processing) will support all vertical lines of business.

Corporate Operations Corporate Operations These functions These functions have less have less to to do do with the with the business of business of banking and banking and are focused are focused onon

corporate support functions within the organization. As such these services are verycorporate support functions within the organization. As such these services are very

horizontal in nature and include the horizontal in nature and include the financial institution’s ERP functions, HR, vendorfinancial institution’s ERP functions, HR, vendor

management etc.management etc.

By developing business reference architeBy developing business reference architectures, financial institutions are in a position ctures, financial institutions are in a position to startto start

rationalizing and assigning role ownership to various banking services which can then berationalizing and assigning role ownership to various banking services which can then be

consumed by other areas of the financial institution as consumed by other areas of the financial institution as needed. This supports the concept ofneeded. This supports the concept of

shared services. Shareshared services. Shared services are commonly thought of d services are commonly thought of in technical terms (e.g. XML webin technical terms (e.g. XML web

services), but are just as important in operations functions, processes, and the allocation ofservices), but are just as important in operations functions, processes, and the allocation of

resources. Business transforresources. Business transformation and technology architecture go mation and technology architecture go hand in hand in hand.hand.

Alignment of Business View to Alignment of Business View to Solutions and CapabilitiesSolutions and Capabilities

Microsoft and its financial services technology partners offer solutions for the business areas ofMicrosoft and its financial services technology partners offer solutions for the business areas of

Sales & Service, GRC, Sales & Service, GRC, Core Processing and Corporate Services. Every one oCore Processing and Corporate Services. Every one of these businessf these business

Shared Service ExampleShared Service Example

In many countries certain banking transactions must be screened against a government issued list of blockedIn many countries certain banking transactions must be screened against a government issued list of blocked

customers and counterparties. In the USA this is known as the Office of Foreign Assets Control (OFAC) watch list.customers and counterparties. In the USA this is known as the Office of Foreign Assets Control (OFAC) watch list.

Business processes to which this screening process applies include deposit account opening, credit card issuing,Business processes to which this screening process applies include deposit account opening, credit card issuing,

and high and low value payment processing. In the past multiple applications from various business units wouldand high and low value payment processing. In the past multiple applications from various business units would

have performed this task, leading to redundancy in processing, and a high chance of inconsistency. By assigninghave performed this task, leading to redundancy in processing, and a high chance of inconsistency. By assigning

this as a shared service, an enterprise-wide view of screening can be made available to departments (andthis as a shared service, an enterprise-wide view of screening can be made available to departments (and

systems) as needed. As discussed earlier, reaping the benefits requires a service-based approach to businesssystems) as needed. As discussed earlier, reaping the benefits requires a service-based approach to business

operations and technology.operations and technology.


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solutions is enabled by the Microsoft solutions is enabled by the Microsoft platform capabilities from systems developmeplatform capabilities from systems development tont to

managementmanagement, data, applications, and , data, applications, and user experience. This is iluser experience. This is il lustrated in the following lustrated in the following diagram.diagram.

Figure 5: Microsoft Capabilities Mapped to Figure 5: Microsoft Capabilities Mapped to Business Solution AreasBusiness Solution Areas

This is another area where Microsoft and its This is another area where Microsoft and its partners deliver key differentiatpartners deliver key differentiation; the ability ion; the ability toto

provide end to end provide end to end platform services and business solutions baseplatform services and business solutions based-on a cod-on a cost-efficienst-efficient, highly-t, highly-

integrated Microsoft platform. Microsoft and its partners can deliver mission critical bankingintegrated Microsoft platform. Microsoft and its partners can deliver mission critical banking

operations at scale that operations at scale that provide the optimized customer experience, enhanced insight andprovide the optimized customer experience, enhanced insight and

collaboration capabilities intended to lower TCO.collaboration capabilities intended to lower TCO.


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Section IVSection IV

Technology Forces Driving ArchitectureTechnology Forces Driving Architecture

Financial services industry institutions are under Financial services industry institutions are under significant pressure to modernize due to significant pressure to modernize due to businessbusiness

and technology drivers. Encumbering these efforts is the fact that many financial and technology drivers. Encumbering these efforts is the fact that many financial institutions areinstitutions are

constrained by outdated, inflexible and constrained by outdated, inflexible and redundant technology architectureredundant technology architectures and s and systems whichsystems which

were built over-time to were built over-time to support silo operations processes and data. Microsoft believes support silo operations processes and data. Microsoft believes that thethat the

majority of technology funding for majority of technology funding for banking applications is allocated to integration andbanking applications is allocated to integration and

maintenance theremaintenance therefore leaving little budget or fore leaving little budget or time for innovation and new time for innovation and new product development.product development.

In addition to In addition to legacy challenges, the pace of change in technology continuously accelerates, andlegacy challenges, the pace of change in technology continuously accelerates, and

so the following trends must also be so the following trends must also be accommodateaccommodated by d by the reference architethe reference architecture:cture:

Progression of banking architectures to Progression of banking architectures to industry standards and cloud computingindustry standards and cloud computing

Microsoft sees the next architecture wave asMicrosoft sees the next architecture wave as standardizing banking IT services with an industrystandardizing banking IT services with an industry

view and extending architectures through the use view and extending architectures through the use of cloud of cloud computing. These are fundamentalcomputing. These are fundamental

drivers in banking drivers in banking reference architereference architecture as they cture as they enable processes and services to beenable processes and services to be

distributed at an industry level, not just within the walls of a datacenter or confines of adistributed at an industry level, not just within the walls of a datacenter or confines of a

financial institution’s network. As financial institutions focus on strategic priorities, anfinancial institution’s network. As financial institutions focus on strategic priorities, anarchitecture that enables industry standard services and integration of architecture that enables industry standard services and integration of cloud-based servicescloud-based services

will facilitate the strategic sourcing of business functions. For will facilitate the strategic sourcing of business functions. For more information seemore information see Section VIISection VII

- New Paradigms for - New Paradigms for Delivering Banking ApplicationsDelivering Banking Applications..

oo Development of Industry Standard Service DefinitionsDevelopment of Industry Standard Service Definitions –– First generation SOA initiatives First generation SOA initiatives

in the banking industry helped to in the banking industry helped to reduce integration cost and complexity, but thereduce integration cost and complexity, but the

benefits were limited because the resulting services which were defined in eachbenefits were limited because the resulting services which were defined in each

financial institution were essentially “proprietary” instead of financial institution were essentially “proprietary” instead of aligned with an aligned with an industryindustry

standard. With this approach SOA standard. With this approach SOA initiatives have, in essence, been reinvented forinitiatives have, in essence, been reinvented for

each financial institution due to limited each financial institution due to limited best practices for guidance and nobest practices for guidance and no

standardized integration of packaged standardized integration of packaged solutions.solutions.

Microsoft advocates the development of iMicrosoft advocates the development of industry-wide architecture standandustry-wide architecture standards forrds forbanking IT services to promote interoperability and to reduce integration costs acrossbanking IT services to promote interoperability and to reduce integration costs across

the banking industry. To this the banking industry. To this end, Microsoft is a founding member and end, Microsoft is a founding member and activeactive

contributor of two contributor of two key industry architecture bodies: the Banking key industry architecture bodies: the Banking Industry ArchitectureIndustry Architecture

Network (BIAN) and the Interactive eXchange Forum (IFX). In concert, these twoNetwork (BIAN) and the Interactive eXchange Forum (IFX). In concert, these two

standards organizations provide complementastandards organizations provide complementary capabilities and ry capabilities and roadmap to enableroadmap to enable

an industry standard banking integration architecture.an industry standard banking integration architecture.

oo Progression to Cloud-based platformsProgression to Cloud-based platforms –– The highly The highly automateautomated, self-service, andd, self-service, and

elastic-scaling characteristielastic-scaling characteristics ocs of cloud f cloud technology creates unprecedentedtechnology creates unprecedented

opportunities for cost savings and efficiency for infrastructure and bankingopportunities for cost savings and efficiency for infrastructure and banking

applications. The cloud also enables new business models and access to new applications. The cloud also enables new business models and access to new marketmarket

segments or ultra-low margin businesses that may segments or ultra-low margin businesses that may have been cost-prohibitive in have been cost-prohibitive in thethe

past. However, based-on evolving past. However, based-on evolving regulatorregulatory and y and business requirements, financialbusiness requirements, financial

institutions need the flexibility to leverage different combinations of public cloud,institutions need the flexibility to leverage different combinations of public cloud,


Page 13

private cloud, as private cloud, as well traditional datacenter computing services. Microsoft provideswell traditional datacenter computing services. Microsoft provides

financial institutions with an integrated, and growing, set of financial institutions with an integrated, and growing, set of capabilities that can becapabilities that can be

developed, deployed, and managed consistently across on-premise and cloud developed, deployed, and managed consistently across on-premise and cloud basedbased

computing resources to provide flexibility and a compelling TCO.computing resources to provide flexibility and a compelling TCO.

Data ExplosionData Explosion –– big data, big data, big challenges, and big opportunitiesbig challenges, and big opportunities

Financial services is one of the Financial services is one of the most data-intensive industries. Inmost data-intensive industries. In addition to the addition to the retentionretention

requiremerequirements for application data and nts for application data and the electronic imaging and storage of paper substitutesthe electronic imaging and storage of paper substitutes(billions of checks, for example), financial institutions must deal with (billions of checks, for example), financial institutions must deal with and manage data fromand manage data from

externaexternal l sources. Financialsources. Financial institutions also need to institutions also need to see ‘between the applications’see ‘between the applications’ and and

interpret unstructureinterpret unstructured and d and social data to social data to gain advanced operational insights. Huge quantitiesgain advanced operational insights. Huge quantities

of data, the of data, the disparate applications and systems, latent information delivery and error-pronedisparate applications and systems, latent information delivery and error-prone

manual processes impede financiamanual processes impede financial institutions from gaining l institutions from gaining a holistic view of a holistic view of the business, itsthe business, its

risk exposure, and customers. For information regarding Microsoft Big Data solutions, visitrisk exposure, and customers. For information regarding Microsoft Big Data solutions, visit

online atonline at http://www.microshttp://www.microsoft.com/sqlseroft.com/sqlserver/en/us/sver/en/us/solutions-technologiesolutions-technologies/business-/business-

intelligence/big-data-solution.aspxintelligence/big-data-solution.aspx..

The ‘ConsumerizationThe ‘Consumerization’ of ’ of IT (CoIT)IT (CoIT)

Enterprises have fallen behind in Enterprises have fallen behind in technology innovations compared to consumers who technology innovations compared to consumers who areare

adopting technology at a record pace, and demanding to adopting technology at a record pace, and demanding to use their personal devices in theuse their personal devices in the

workplace. With this rapid technology workplace. With this rapid technology adoption by consumers, new expectations have adoption by consumers, new expectations have spreadspreadto the enterprise to provide technologies that enable employees to perform their job with ato the enterprise to provide technologies that enable employees to perform their job with a

myriad of devices and in myriad of devices and in a more natural, collaborative working model. This is not a more natural, collaborative working model. This is not easilyeasily

accomplished since many devices used are for consumers and not designed for accomplished since many devices used are for consumers and not designed for the rigors ofthe rigors of

banking data security banking data security requiremerequirements. However, Microsoft has nts. However, Microsoft has cross-platform development toolscross-platform development tools

and productivity applications (e.g. Office, Lync and productivity applications (e.g. Office, Lync Mobile communicator, SharePoint) as well asMobile communicator, SharePoint) as well as

capabilities and guidance for supporting CoIT in capabilities and guidance for supporting CoIT in the banking enterprise with secure Windowsthe banking enterprise with secure Windows

devices as well devices as well as other, non-Windows consumer devices. For detailed planning as other, non-Windows consumer devices. For detailed planning informationinformation

seesee Appendix B - Innovative End User ExperienceAppendix B - Innovative End User Experience,, or v or visit Windows Enterprise online atisit Windows Enterprise online at

http://www.http://www.microsoft.com/en-us/microsoft.com/en-us/windows/entwindows/enterprise/customeerprise/customer-stories/consur-stories/consumerization-of-merization-of-

it.aspxit.aspx and download the white paperand download the white paper Strategies for Embracing Strategies for Embracing ConsumerizaConsumerization tion at at

http://downloahttp://download.microsoft.com/dowd.microsoft.com/download/E/F/5/EF5nload/E/F/5/EF5F8B95-5E27-4CDB-860F-F8B95-5E27-4CDB-860F-

F982E5B714B0/StraF982E5B714B0/Strategies%20for%tegies%20for%20Embracing%20Consu20Embracing%20Consumerization.pdf merization.pdf ..

http://www.microsoft.com/sqlserver/en/us/solutions-technologies/business-intelligence/big-data-solution.aspx




http://www.microsoft.com/en-us/windows/enterprise/customer-stories/consumerization-of-it.aspx



http://download.microsoft.com/download/E/F/5/EF5F8B95-5E27-4CDB-860F-F982E5B714B0/Strategies%20for%20Embracing%20Consumerization.pdf










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Figure 6: Access Management Solutions for Remote DevicesFigure 6: Access Management Solutions for Remote Devices

Expanded and Integrated Platform CapabilitiesExpanded and Integrated Platform CapabilitiesThis is the foundation that enables collaborative applications to be This is the foundation that enables collaborative applications to be developed across thedeveloped across the

widest possible base of users, and supports the development and integration of cloud widest possible base of users, and supports the development and integration of cloud and on-and on-

premise technologies.premise technologies. Microsoft’s innovative enterprise platform enables more Microsoft’s innovative enterprise platform enables more actionable andactionable and

collaborative business processescollaborative business processes. A . A keykey differentiator is the breadth of capabilities and level ofdifferentiator is the breadth of capabilities and level of

pre-built integration within Microsoft products pre-built integration within Microsoft products . The Microsoft . The Microsoft platform has extendedplatform has extended

capabilities at each layer of the technology stack capabilities at each layer of the technology stack whethewhether it is r it is for lifecycle management,for lifecycle management,

mission critical OLTP, high-volume mission critical OLTP, high-volume integration, enhanceintegration, enhanced application services includingd application services including

collaboration, productivity, and data insights, or collaboration, productivity, and data insights, or delivering a modern end-user experiencedelivering a modern end-user experience

across devices. For example; integrated communication and social across devices. For example; integrated communication and social collaboration, near real-collaboration, near real-

time analytics, integrated security models etc.time analytics, integrated security models etc. To compare this to To compare this to other industries, theother industries, the

automotive industry learnautomotive industry learned a long time ago that they do not need to ed a long time ago that they do not need to build all the parts of abuild all the parts of a

product in order to sell product in order to sell it. In banking, project finance and it. In banking, project finance and re-insurance are examplere-insurance are examples of shareds of shared

services. In such an services. In such an environment, integraenvironment, integration tools tion tools and standards like SWIFT enable integrationand standards like SWIFT enable integrationof shared financial services.of shared financial services. To learn more about how To learn more about how Microsoft’s capabilities, serMicrosoft’s capabilities, services andvices and

partners are powering banking enterprises worldwide, visit online atpartners are powering banking enterprises worldwide, visit online at

www.microsoft.com/financialserviceswww.microsoft.com/financialservices..

As a consequence of these challenges and trends financial institutions need to rethink technologyAs a consequence of these challenges and trends financial institutions need to rethink technology

investments to keep up investments to keep up with market pressures.with market pressures.

http://www.microsoft.com/financialservices




Page 15

Section VSection V

Framework for Banking SolutionsFramework for Banking Solutions

Reducing cost and complexity in the Reducing cost and complexity in the banking enterprise and introducing new technologybanking enterprise and introducing new technology

capabilities can be achieved by leveraging Microsoft platform and partner ecosystem. This sectioncapabilities can be achieved by leveraging Microsoft platform and partner ecosystem. This section

will highlight the capabilities and differentiation of the will highlight the capabilities and differentiation of the Microsoft platform and highlight how theMicrosoft platform and highlight how the

Microsoft platform “stack” aligns into a Microsoft platform “stack” aligns into a Logical Banking Technology ArchitectureLogical Banking Technology Architecture. Sample process. Sample process

scenarios are included to provide examples of how banks scenarios are included to provide examples of how banks can leverage capabilities to improve thecan leverage capabilities to improve the

customer experience while increascustomer experience while increasing insights from data and reducing ing insights from data and reducing risk and complexity. Thisrisk and complexity. This

section helps align the technology architectures and positions the reader for deeper details ofsection helps align the technology architectures and positions the reader for deeper details of

Microsoft platform capabilities which follow in subsequent sections of this Microsoft platform capabilities which follow in subsequent sections of this document. To seedocument. To see

Microsoft products mapped to this diagram, refer to Appendix C.Microsoft products mapped to this diagram, refer to Appendix C.

Figure 7: MIRA-B Logical Technology ArchitectureFigure 7: MIRA-B Logical Technology Architecture


Page 16

Figure 8: Figure 8: Logical Banking Technology ArchitectureLogical Banking Technology Architecture


Page 17

The platform enables integration to other systems through a wide-array ofThe platform enables integration to other systems through a wide-array of industry-standardindustry-standard

integration integration interfaces and techniques. By aligning to industry interfaces and techniques. By aligning to industry standards such as ISO, BIAN, andstandards such as ISO, BIAN, and

IFX, Microsoft believes the cost and complexity of IFX, Microsoft believes the cost and complexity of integrating, managing and maintainingintegrating, managing and maintaining

business solutions can be further reduced in the banking business solutions can be further reduced in the banking industry.industry.

Robust capabilities in the Microsoft platform are industry leading. The Microsoft platform andRobust capabilities in the Microsoft platform are industry leading. The Microsoft platform and

partners provide a robust set ofpartners provide a robust set of capabilities across the IT lifecycle capabilities across the IT lifecycle –– spanning from the spanning from the

mission-critical datacenmission-critical datacenter to the end-user device both ter to the end-user device both in bank datacenters and the cloud.in bank datacenters and the cloud.

Microsoft’s core infrastructure services provide the foundation ofMicrosoft’s core infrastructure services provide the foundation of Enterprise IT lifecycleEnterprise IT lifecycle

management and computing operations management and computing operations while the cutting while the cutting edge application services, businesedge application services, businesss

productivity, and data services provide the platform for creating the applications that deliversproductivity, and data services provide the platform for creating the applications that delivers

thethe next-genernext-generation ation customer experience customer experience ..

Microsoft products areMicrosoft products are highly highly integrateintegrated d , making the value of the holistic platform much more, making the value of the holistic platform much more

valuable than the individual valuable than the individual components. Since most business solutions require multiplecomponents. Since most business solutions require multiple

capabilities to address a capabilities to address a specific challenge, often the integration of specific challenge, often the integration of these capabilities becomesthese capabilities becomes

a key cost a key cost and time factor both initially and time factor both initially and over the long-term. Microsoft delivers a keyand over the long-term. Microsoft delivers a key

differentiatdifferentiator by or by having the broad set of chaving the broad set of capabilities it possesses in a highly-integratedapabilities it possesses in a highly-integrated

platform. This can reduce the matrix of integration points an platform. This can reduce the matrix of integration points an enterprise neeenterprise needs to ids to implementmplement

and maintain, thus freeing up more budget for and maintain, thus freeing up more budget for innovation.innovation.

MicrosoftMicrosoft Mission-critical data platform Mission-critical data platform can support very-large transaction volumes for the can support very-large transaction volumes for the

mission critical workloads in banking. The economics of mission critical workloads in banking. The economics of running mission critical processes andrunning mission critical processes and

transaction are very compelling on the Microsoft platform; which is transaction are very compelling on the Microsoft platform; which is being used to run stockbeing used to run stock

exchanges such asexchanges such as DirectEdgeDirectEdge in the US, and to in the US, and to replace mainframereplace mainframes for core s for core banking such asbanking such as

in the case of in the case of SDCSDC and in aand in a growing number of mission critical solutions across the industrygrowing number of mission critical solutions across the industry..

The SQL Server 2012 pre-release version wasThe SQL Server 2012 pre-release version was recently benchmarked with Temenos T24 corerecently benchmarked with Temenos T24 core

banking and HPbanking and HP delivering 11,500 transactions per second odelivering 11,500 transactions per second on commodity hardware.n commodity hardware.

Microsoft is aMicrosoft is a leading provider of Data leading provider of Data and Business Intelligence platformsand Business Intelligence platforms providing a robust,providing a robust,

end-to-end data, analytics and collaboration platform. The platform end-to-end data, analytics and collaboration platform. The platform provides Master Dataprovides Master Data

Management (MDM), Data Quality Services (DQS) and pre-defined BI sematic metadataManagement (MDM), Data Quality Services (DQS) and pre-defined BI sematic metadata(BISM) which overlay BI (BISM) which overlay BI capabilities delivered via pre-tuned data warehouse configurations,capabilities delivered via pre-tuned data warehouse configurations,

near real-time analytics delivered through High-Performance technical Computing (HPC) andnear real-time analytics delivered through High-Performance technical Computing (HPC) and

Complex Event ProcessComplex Event Processing (CEP), and the platform is pre-integrated ing (CEP), and the platform is pre-integrated into the scorecard andinto the scorecard and

collaboration platform (SharePoint) that helps collaboration platform (SharePoint) that helps data consumers discover, understand, sharedata consumers discover, understand, share

and collaborate related to specific data. In addition, a Hadoop distribution and and collaborate related to specific data. In addition, a Hadoop distribution and connectorsconnectors

running on Windows and on running on Windows and on Windows Azure (public cloud) are onWindows Azure (public cloud) are on Microsoft’s roadmap toMicrosoft’s roadmap to

effectively analyze Big Data such as social feeds and other sources of effectively analyze Big Data such as social feeds and other sources of big data.big data.

Example scenariosExample scenarios

The following scenarios provide examples how The following scenarios provide examples how banks can leverage capabilities to banks can leverage capabilities to improve theimprove the

customer experience, while increasing insights from data, and customer experience, while increasing insights from data, and reducing risk and reducing risk and complexity. Thecomplexity. The

following scenarios will help to following scenarios will help to highlight how Microsoft and partner capabilities are leveraged tohighlight how Microsoft and partner capabilities are leveraged to

address next-geaddress next-generation banking scenarneration banking scenarios. ios. The first scenario is an enhanced multichanneThe first scenario is an enhanced multichannellcustomer experience and the second scenario exemplifies how customer experience and the second scenario exemplifies how Microsoft technologies can helpMicrosoft technologies can help

http://www.microsoft.com/casestudies/Case_Study_Search_Results.aspx?Type=1&Keywords=%22Direct%20Edge%22



http://www.microsoft.com/casestudies/Microsoft-SQL-Server-2008-Enterprise/Skandinavisk-Data-Center/IT-Services-Provider-Migrates-from-Mainframe-Boosts-Agility-and-Innovation-with-Existing-Code/4000008162



http://www.microsoft.com/en-us/news/press/2011/sep11/09-19MSMissionCriticalPR.aspx



http://www.temenos.com/Press-Releases/2011/Temenos-Showcases-Record-Breaking-Performance-Results/










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banks leverage and manage the exploding banks leverage and manage the exploding volume of volume of data produced across the transactional,data produced across the transactional,

analytical, and reference data.analytical, and reference data.

Scenario OneScenario One –– Enhancing the Enhancing the Multichannel Customer ExperienceMultichannel Customer Experience

Excellent customer service is at the center of growth strategies for banks Excellent customer service is at the center of growth strategies for banks globally. Banks aspire toglobally. Banks aspire to

improve existing sales and servicing improve existing sales and servicing processes and implement new capabilities to be processes and implement new capabilities to be moremore

relevant and accommodating to customers. Significant focus is being placed on providingrelevant and accommodating to customers. Significant focus is being placed on providing

seamless and immersive experiences across multiple channels while capturing data about seamless and immersive experiences across multiple channels while capturing data about thetheinteraction, customer intentions and preferences to be interaction, customer intentions and preferences to be more relevant in customer interactions.more relevant in customer interactions.

Jane, a homeowner is shopping to refinance her home. She begins her experience online on a slate, moves to aJane, a homeowner is shopping to refinance her home. She begins her experience online on a slate, moves to a

contact center via chat session, and concludes the experience with a loan advisor in a local branch.contact center via chat session, and concludes the experience with a loan advisor in a local branch.

STEP STEP Process Process Description Description Capabilities Capabilities & & Microsoft Microsoft SolutionSolution

ComponentsComponents

1 1 Jane Jane is is browsing browsing the the internet internet to to shop shop for for a a refinance refinance on on herher

home to take advantage of the favorable interest rates. Shehome to take advantage of the favorable interest rates. She

does a search and finds options for mortgages anddoes a search and finds options for mortgages and

refinancing. Jane selects a bank whose link is near the top ofrefinancing. Jane selects a bank whose link is near the top of

the search results.the search results.

Search Engine Optimization Search Engine Optimization capabilitiescapabilities

provided by Web Development tools.provided by Web Development tools.

Microsoft Web PlatformMicrosoft Web Platform

Application PlatformApplication Platform

Internet ExplorerInternet Explorer

Visual StudioVisual Studio

Bing SearchBing Search

2 2 Jane Jane clicks clicks the the link link to to a a banking banking site site for for more more information.information.

When she lands on the banking site, she is presented with anWhen she lands on the banking site, she is presented with anadvertisemeadvertisement offering a nt offering a re-finance which is the topic shere-finance which is the topic she

searched online-for. While shesearched online-for. While she could could go directly to this offer, go directly to this offer,

she wants to explore the site and see if she can find moreshe wants to explore the site and see if she can find more

information before applying for the offerinformation before applying for the offer

Personalization Personalization parameters are derived parameters are derived

from online search referral. Thefrom online search referral. Theparameters are passed to theparameters are passed to the online portalonline portal

technology technology which serves-up the which serves-up the

personalized content as part of a seamlesspersonalized content as part of a seamless

online experience.online experience.

SharePoint for Internet SitesSharePoint for Internet Sites

Bing SearchBing Search

3 3 With With customers customers like like Jane Jane accustomed accustomed to to searching searching online,online,

she notices a clearly marked search window on the bankshe notices a clearly marked search window on the bank

website and uses this to search for re-financing options atwebsite and uses this to search for re-financing options at

the bank.the bank.

The website’s superiorThe website’s superior search capabilities search capabilities

help users find the information they seekhelp users find the information they seek

before abandoning purchases. A superiorbefore abandoning purchases. A superior

search experience provides the ability tosearch experience provides the ability to

quickly find results, refine and quickly find results, refine and expandexpand

searches, as well as provide feedback onsearches, as well as provide feedback on

the effectiveness of the searches.the effectiveness of the searches.

FAST SearchFAST Search

4 4 The The customer customer clicks clicks a a link link to to go go to to the the mortgage mortgage homepagehomepageand spends a long and spends a long time on the time on the page. page. Sensing that aSensing that a

customer could be ready to abandon the purchase, ancustomer could be ready to abandon the purchase, an

instant chat is offered to help the customer and avoidinstant chat is offered to help the customer and avoid

abandoninabandoning the g the refinance.refinance.

IM Chat, Voice calls, andIM Chat, Voice calls, andvideoconferencing videoconferencing provided by software- provided by software-

based communications capabilities.based communications capabilities.

LyncLync / / SkypeSkype

ExchangeExchange

5 5 Jane Jane sees sees each each product product contains contains reviews reviews as as well well as as ratingsratings

and comments from other consumers. This is influential inand comments from other consumers. This is influential in

the salethe sale as the “transparency” it provides between the bankas the “transparency” it provides between the bank

and the customer helps build trust with the customer.and the customer helps build trust with the customer.

Community forums Community forums can target any can target any

department in the bank. Thereforedepartment in the bank. Therefore

moderating the banks’ community forummoderating the banks’ community forum

requires approval and escalation workflowsrequires approval and escalation workflows

to properly route requests to manyto properly route requests to many

different stakeholders and approversdifferent stakeholders and approvers

SharePoint for internet Sites/ ECMSharePoint for internet Sites/ ECM

66 The The customer customer decides decides on on a a refinance refinance product product and and begins begins anan

online application process. Multiple steps guide the customeronline application process. Multiple steps guide the customer

through gathering required information for the transaction.through gathering required information for the transaction.

The customer reaches a point where she has someThe customer reaches a point where she has some

documentation to gather and she is delighted to see she candocumentation to gather and she is delighted to see she can

save the application and proceed in any channel when she issave the application and proceed in any channel when she is

State ManagementState Management capabilities arecapabilities are

required to enable multichannelrequired to enable multichannel

experiences.experiences.

Windows ServerWindows Server / / Windows AzureWindows Azure oror

IISIIS oror

Dynamics CRMDynamics CRM oror

http://www.microsoft.com/web/


http://www.microsoft.com/applicationplatform


http://windows.microsoft.com/en-US/internet-explorer/products/ie/home


http://www.microsoft.com/visualstudio/en-us


http://www.bing.com/


http://sharepoint.microsoft.com/




http://sharepoint.microsoft.com/en-us/internetsites/products/Pages/FAST.aspx


http://office.microsoft.com/en-us/lync/

http://www.skype.com/



http://www.microsoft.com/exchange/en-us/default.aspx




http://www.microsoft.com/en-us/server-cloud/windows-server/default.aspx

http://msdn.microsoft.com/en-us/library/dd163896.aspx



http://www.microsoft.com/en-us/server-cloud/windows-server/internet-information-services-iis.aspx


http://crm.dynamics.com/





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Page 19

ready.ready. SQL ServerSQL Server / / SQL AzureSQL Azure depending upondepending upon

requirementsrequirements

77 Jane’s online experience has been great. But she feels betterJane’s online experience has been great. But she feels better

about meeting with an advisor at a branch for such anabout meeting with an advisor at a branch for such an

important purchase. She is able to book times from anyimportant purchase. She is able to book times from any

channel to meet with an advisor, either via a web conferencechannel to meet with an advisor, either via a web conference

or in-personor in-person..

AppointmeAppointment nt scheduling capabilities arescheduling capabilities are

provided by CRM/ sales automation andprovided by CRM/ sales automation and

enterprise messaging. Web conferencingenterprise messaging. Web conferencing

capabilities are provided bycapabilities are provided by

communication and collaborationcommunication and collaboration

software.software.

Dynamics CRMDynamics CRM ExchangeExchange

OutlookOutlook

8 8 Jane Jane books books a a time time to to meet meet an an advisor advisor at at a a local local branch branch viavia

instant messaging with a contact center representative andinstant messaging with a contact center representative and

receives an SMS confirmation. Regardless of channel orreceives an SMS confirmation. Regardless of channel or

different systems in-which data exists, a bank representativedifferent systems in-which data exists, a bank representative

can view a 360° profile of the customer, the status of thecan view a 360° profile of the customer, the status of the

loan application, select a person in the right location with theloan application, select a person in the right location with the

right skills, and remind the customer of documentation stillright skills, and remind the customer of documentation still

needed.needed.

SMS SMS capabilities provided by enterprise capabilities provided by enterprise

messaging.messaging. 360° customer profile 360° customer profile provided provided

by CRM by CRM and Business Intelligenceand Business Intelligence

capabilities.capabilities.

Exchange ServerExchange Server

Dynamics CRMDynamics CRM

SQL Server BI platformSQL Server BI platform

9 9 When When Jane Jane visits visits the the branch branch she she notices notices it it appears appears rich rich withwith

technology, yet subtle and professional. Touch walls andtechnology, yet subtle and professional. Touch walls and

slate devices are available for customers to explore productsslate devices are available for customers to explore products

and even browse the web. Slate devices and Microsoft’sand even browse the web. Slate devices and Microsoft’s

multi-user tabletop cmulti-user tabletop computer “Microsoft Surface” are greatomputer “Microsoft Surface” are great

tools to enable advisors to have engaging interactions withtools to enable advisors to have engaging interactions withcustomers.customers.

SoftwareSoftware capabilities for branch devices capabilities for branch devices

provided by operating system and coreprovided by operating system and core

infrastructure.infrastructure.

WindowsWindows

Microsoft SurfaceMicrosoft Surface

System CenterSystem Center

10 10 When When Jane Jane meets meets the the lending lending advisor advisor David, David, she she does does notnot

have to explain the application status or the intent of her visithave to explain the application status or the intent of her visit

–– it is all captured in a CRM platform designed for it is all captured in a CRM platform designed for

performing sales, service, and performing sales, service, and other tracking other tracking activities. activities. JaneJane

and David use a Surface computer to compare loan productsand David use a Surface computer to compare loan products

and perform what-if scenarios. The experience is engagingand perform what-if scenarios. The experience is engaging

yet fun where both the customer and the bank employee areyet fun where both the customer and the bank employee are

viewing and navigating the same screens together.viewing and navigating the same screens together.

SoftwareSoftware capabilities for branch devices capabilities for branch devices

provided by operating system and coreprovided by operating system and core

infrastructure.infrastructure.

WindowsWindows

Microsoft SurfaceMicrosoft Surface

System CenterSystem Center

11 11 During During the the branch branch appointment, appointment, Jane Jane has has a a question question whichwhich

the loan agent is unsure of the answer. The agent canthe loan agent is unsure of the answer. The agent can

leverage a variety of tools to save time and avoid a costly callleverage a variety of tools to save time and avoid a costly call

to the helpdesk. This includes the knowledge portal withto the helpdesk. This includes the knowledge portal with

search capabilities for policy and procedure documentation.search capabilities for policy and procedure documentation.

It also includes skill-based search capabilities which provide aIt also includes skill-based search capabilities which provide alist of experts and their online availability. The loan agentlist of experts and their online availability. The loan agent

finds a remote expert who can help immediately and shefinds a remote expert who can help immediately and she

initiates a web conference so the expert, the customer, andinitiates a web conference so the expert, the customer, and

the loan agent can resolve the issue immediately on the firstthe loan agent can resolve the issue immediately on the first

call.call.

Knowledge portalKnowledge portal andand search search capabilities capabilities

provided by collaboration portalprovided by collaboration portal. Skills. Skills

based-searchbased-search capabilities provided bycapabilities provided by

collaboration portal, communication andcollaboration portal, communication and

enterprise messaging. Web Conferencingenterprise messaging. Web Conferencing

capabilities provided by capabilities provided by software-basesoftware-baseddcommunications.communications.

SharePoint for Internet SitesSharePoint for Internet Sites

LyncLync

ExchangeExchange

1212 The engaging and seamless experience has led to Jane’sThe engaging and seamless experience has led to Jane’s

decision to proceed with the refinance. Jane is offered to setdecision to proceed with the refinance. Jane is offered to set

alerts to contact her if there are any important events likealerts to contact her if there are any important events like

interest rate change, etc. She can be contacted via herinterest rate change, etc. She can be contacted via her

preferred channel including being called on her phone usingpreferred channel including being called on her phone using

a voice IVR such as Microsoft’s clouda voice IVR such as Microsoft’s cloud--based “Tellme” voicebased “Tellme” voice

IVR.IVR.

Alerting Alerting capabilities provided by enterprise capabilities provided by enterprise

messaging.messaging. Contact preferences Contact preferences provided provided

within CRM.within CRM. Automated Voice response Automated Voice response

provided by Voice IVR.provided by Voice IVR.

ExchangeExchange

Dynamics CRMDynamics CRM

TellmeTellme

END END End End of of ProcessProcess

Summary -Summary - This scenario provides many opportunities for theThis scenario provides many opportunities for the

customer to stop the purchasing process and choose acustomer to stop the purchasing process and choose acompetitor instead. However, the proper combination ofcompetitor instead. However, the proper combination of

http://www.microsoft.com/sqlserver

http://msdn.microsoft.com/en-us/library/windowsazure/ee336241.aspx







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http://www.microsoft.com/sqlserver/en/us/solutions-technologies/SQL-Server-2012-business-intelligence.aspx


http://windows.microsoft.com/en-US/windows/home


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tools can help mitigate customer abandonment at each steptools can help mitigate customer abandonment at each step

by anticipating the needs of the customer and removingby anticipating the needs of the customer and removing

complexity and delays in the process. Ultimately thecomplexity and delays in the process. Ultimately the

application is processed and the associated transactions areapplication is processed and the associated transactions are

completed.completed.

Scenario TwoScenario Two –– Optimizing operations and improving insights from Optimizing operations and improving insights from datadata

As we move from batch As we move from batch to real-time process integration in financial services, the requirement forto real-time process integration in financial services, the requirement for

real time analytics and real time analytics and business intelligence becomes more acute. Operations managers need tobusiness intelligence becomes more acute. Operations managers need toknow about the state of operations regardless of client, transaction type, delivery channel or, forknow about the state of operations regardless of client, transaction type, delivery channel or, for

example in the case of example in the case of payments, settlepayments, settlement method. This is particularly so because clients havement method. This is particularly so because clients have

higher expectations about the level of service demanded from their banks.higher expectations about the level of service demanded from their banks.

In addition to In addition to reliable and timely transaction processing, the data produced from the transactionreliable and timely transaction processing, the data produced from the transaction

can be more valuable to can be more valuable to the business than merely an official transaction record. The datathe business than merely an official transaction record. The data

produced provides keyproduced provides key business insightsbusiness insights for operations, marketing, risk for operations, marketing, risk managememanagement, etc.nt, etc.

however the data is very-large volume, often exists in business silos, is however the data is very-large volume, often exists in business silos, is structured andstructured and

unstructured, and exists inside the bank and on the unstructured, and exists inside the bank and on the internet.internet.

Banks realize the ability to discover, trust, combine and Banks realize the ability to discover, trust, combine and analyze data can be a differentiator toanalyze data can be a differentiator to

their business. They also need to meet increasing regulatory requirements via a holistic view their business. They also need to meet increasing regulatory requirements via a holistic view ofof

business exposure and reserves. Whether the goals are to reduce risk or identify revenuebusiness exposure and reserves. Whether the goals are to reduce risk or identify revenue

potential, it is increasingly difficult and potential, it is increasingly difficult and costly to try costly to try to leverage the new volumes of data withto leverage the new volumes of data with

traditional business intelligence tools and ltraditional business intelligence tools and legacy reports. Microsoft brings proven, cutting edge,egacy reports. Microsoft brings proven, cutting edge,

next-genernext-generation BI capabilities that can help banks ation BI capabilities that can help banks gain a better view of gain a better view of their business overall,their business overall,

reduce risk, and reduce risk, and identify new revenue potential.identify new revenue potential.

The transactions generated by Jane’s refinance in ScenThe transactions generated by Jane’s refinance in Scenario One results in transactions that generate data pointsario One results in transactions that generate data points

throughout the bank’s operations areas and systems.throughout the bank’s operations areas and systems.

STEP STEP Process Process Description Description Capabilities Capabilities & & Microsoft Microsoft SolutionSolution

ComponentsComponents

11 The transactions generated by Jane’s refinance in scenarioThe transactions generated by Jane’s refinance in scenario

one are mission-critical records which are posted at high-one are mission-critical records which are posted at high-

volumes. Because of the importance of the transactionvolumes. Because of the importance of the transaction

records in the core systems, the systems that hold theserecords in the core systems, the systems that hold theserecords are operated for records are operated for high-availability, transactionhigh-availability, transactionalal

integrity, data security and integrity, data security and recoverabilitrecoverability.y.

Technical capabilities forTechnical capabilities for mission-criticalmission-critical

operations operations are provided by data and are provided by data and

application platformapplication platforms as s as well as well as corecore

infrastructure and systems managementinfrastructure and systems managementand and monitorinmonitoring.g.

Microsoft SQL ServerMicrosoft SQL Server is built for the rigorsis built for the rigors

of of mission-crimission-critical operations. However,tical operations. However,

Microsoft believes that technologyMicrosoft believes that technology

capabilitiescapabilities, while , while very important, are onlyvery important, are only

one piece of supporting mission-criticalone piece of supporting mission-critical

systems; people, process, policy,systems; people, process, policy,

governance are also paramount togovernance are also paramount to

operations. For more information onoperations. For more information on

Microsoft capabilities in Mission criticalMicrosoft capabilities in Mission critical

operations, refer to Section VI and alsooperations, refer to Section VI and also

Appendix D in this document.Appendix D in this document.





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22 The transactions from Jane’s branch activity create “events”The transactions from Jane’s branch activity create “events”

that initiate actions in near real-time to assess thethat initiate actions in near real-time to assess the

transacttransaction’s validity ion’s validity (for example, anti(for example, anti-fraud measures) and-fraud measures) and

the impact on risk exposure in the lending portfolio.the impact on risk exposure in the lending portfolio.

Near real-time analytics Near real-time analytics capabilities are capabilities are

provided via Complex Event Processingprovided via Complex Event Processing

(CEP) and High-Performance technical(CEP) and High-Performance technical

Computing (HPC), as well as end-userComputing (HPC), as well as end-user

analytics and certain LOB analytics and certain LOB applicatioapplications.ns.

Microsoft SQL Server StreamInsight (CEP)Microsoft SQL Server StreamInsight (CEP)

Microsoft Windows High-PerformanceMicrosoft Windows High-Performance

Computing ServicesComputing Services

Microsoft ExcelMicrosoft Excel

.NET framework.NET framework

3 3 The The data data is is also also leveraged leveraged for for extensive extensive business business analysis analysis andand

reporting. Data is provisioned by IT as trusted data “cubes”reporting. Data is provisioned by IT as trusted data “cubes”

and analysts consume these on a and analysts consume these on a self-service basis.self-service basis.

The data is analyzed directly in Excel’s PowerPivot and thenThe data is analyzed directly in Excel’s PowerPivot and then

built into a dynamic report via Power View and shared withbuilt into a dynamic report via Power View and shared with

other analysts responsible for risk management.other analysts responsible for risk management.

Multi-dimensMulti-dimensional ional Analytics Analytics provided by provided by

Data and Business Intelligence solutions.Data and Business Intelligence solutions.

Self-service BI Self-service BI capabilities provided by capabilities provided by

end-user analytics provided by Data,end-user analytics provided by Data,

collaboratiocollaboration and n and end-user analytical tools.end-user analytical tools.

Master Data Management and BI semanticMaster Data Management and BI semantic

models models are provided by data and analytics are provided by data and analytics

platform.platform.

Microsoft SQL Server BI platformMicrosoft SQL Server BI platform

SQL Server Reporting Service includingSQL Server Reporting Service including

Power ViewPower View

SharePointSharePoint

4 4 For For Marketing Marketing purposes purposes some some internal internal data data is is combined combined withwith

external “bigexternal “big--data” from social feeds to monitor socialdata” from social feeds to monitor social

sentiment related to the bank brand.sentiment related to the bank brand.

Big-data Big-data capabilities provided by data and capabilities provided by data and

analytics platform. Capabilities includeanalytics platform. Capabilities include

support forsupport for Hadoop Hadoop and and associatedassociatedconnectors connectors between Hadoop, Data between Hadoop, Data

warehouses, and end-user analytic tools.warehouses, and end-user analytic tools.

Microsoft SQL Server Big Data AnalyticsMicrosoft SQL Server Big Data Analytics

Microsoft SQL Server ParallelMicrosoft SQL Server Parallel

DatawarehouseDatawarehouse


5 5 Finally Finally these these insights insights are are delivered delivered to to business business lineline

stakeholders via role-based scorecards and reports. Typicalstakeholders via role-based scorecards and reports. Typical

user roles would include:user roles would include:

Branch management and performance measurementBranch management and performance measurement

Product profitabilityProduct profitability

Credit and operational risk managementCredit and operational risk management

Lending portfolio analysisLending portfolio analysis

Basel III compliance analysisBasel III compliance analysis

Marketing analysis for Marketing analysis for additionaadditional l cross-sell/upcross-sell/up-sell-sell

opportunities based on the product selected (e.g.;opportunities based on the product selected (e.g.;

insurance)insurance)

Scorecards and dynamic reports Scorecards and dynamic reports provided provided

by data, analytics and by data, analytics and collaboratcollaborationion

platform. This enables the discovery,platform. This enables the discovery,

management, security and distribution ofmanagement, security and distribution of

reports and scorecardsreports and scorecards

Microsoft SQL ServerMicrosoft SQL Server

SharePointSharePoint


END END End End of of ProcessProcess

SummarySummary Microsoft’s Data platform is built for missionMicrosoft’s Data platform is built for mission--

critical operations and facilitates high-availability and critical operations and facilitates high-availability and high-high-

performance. However, people, process, policy, governanceperformance. However, people, process, policy, governance

are all critical pillars are all critical pillars to mission-critical operationsto mission-critical operations. Traditional. Traditional

BI and Analytics are not feasible for harvesting insights formBI and Analytics are not feasible for harvesting insights form

the massive volumes of data being produced within thethe massive volumes of data being produced within the

banks as well as in the public domain. Microsoft platformbanks as well as in the public domain. Microsoft platform

provides economic benefits while delivering cutting-edgeprovides economic benefits while delivering cutting-edge

tools to transform banking into the next-generationtools to transform banking into the next-generation

operations that will be required for banks to thrive in the newoperations that will be required for banks to thrive in the new

economic models within the banking industry.economic models within the banking industry.

http://www.microsoft.com/sqlserver/en/us/solutions-technologies/business-intelligence/complex-event-processing.aspx


http://www.microsoft.com/hpc/



http://office.microsoft.com/en-us/excel/


http://www.microsoft.com/net/




http://www.microsoft.com/sqlserver/en/us/solutions-technologies/business-intelligence/SQL-Server-2012-reporting-services.aspx







http://www.microsoft.com/sqlserver/en/us/solutions-technologies/data-warehousing/pdw.aspx




























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Section VISection VI

MIRA-B and Microsoft PlatformMIRA-B and Microsoft Platform

CapabilitiesCapabilities

Microsoft provides an industry-leading, highly-integrated, mission-critical technology platform atMicrosoft provides an industry-leading, highly-integrated, mission-critical technology platform atcommoditized pricing. commoditized pricing. The platform delivers the end-to-enThe platform delivers the end-to-end infrastructure, applicatid infrastructure, application and dataon and data

platform, and business productivity capabilities needed to enable a modern, agile bankingplatform, and business productivity capabilities needed to enable a modern, agile banking

enterpriseenterprise. It . It provides a highly-integrated environment spanning back, middle and provides a highly-integrated environment spanning back, middle and front-officefront-office

operations and can operoperations and can operate on-premiseate on-premises or in public or private cloud. s or in public or private cloud. The technology capabilityThe technology capability

view shows the capabilities of the underlying view shows the capabilities of the underlying technology platform to support the financialtechnology platform to support the financial

institution’s enterprise; from external customer solutions to internal user institution’s enterprise; from external customer solutions to internal user desktop anddesktop and

collaboration; from security to data management; and from new product development tocollaboration; from security to data management; and from new product development to

managing mission critical operations.managing mission critical operations.

Technology Capabilities View of Microsoft Enterprise PlatformTechnology Capabilities View of Microsoft Enterprise Platform

The capabilities of Microsoft’s software portfolio are both deep and wide. The capabilities of Microsoft’s software portfolio are both deep and wide. The TechnologyThe Technology

Capabilities View as shown in Figure 9 Capabilities View as shown in Figure 9 is intended to highlight is intended to highlight capabilities of the Microsoftcapabilities of the Microsoft

platform and serve as a reference in enterprise planning.platform and serve as a reference in enterprise planning.

Figure 9: Simplified Capabilities View of Microsoft PlatformFigure 9: Simplified Capabilities View of Microsoft Platform

Microsoft platform capabilities span the breadth of the IT Microsoft platform capabilities span the breadth of the IT lifecyclelifecycle –– Development, Operations Development, Operations

Management, Systems Management, Integration, Data Management, Applications, and BusinessManagement, Systems Management, Integration, Data Management, Applications, and Business

Productivity. It is effectively too large toProductivity. It is effectively too large to list list all of the capabilities into the body of this all of the capabilities into the body of this document,document,

please refer toplease refer to Appendix CAppendix C for detailed capabilities views. These detailed capabilities views for detailed capabilities views. These detailed capabilities views cancan

serve as an effective serve as an effective reference for planning and reference for planning and researesearch purposes when financial rch purposes when financial institutions areinstitutions are

planning innovation of planning innovation of their operations.their operations.

The combination of The combination of highly integrated core infrastructure, application services and businesshighly integrated core infrastructure, application services and business

productivity is a significant differentiator of the Microsoft productivity is a significant differentiator of the Microsoft stack. The combination provides a robuststack. The combination provides a robust


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platform designed to enhance the effectiveness of the people, processes and applications byplatform designed to enhance the effectiveness of the people, processes and applications by

leveraging solutions based-on Microsoft technologieleveraging solutions based-on Microsoft technologies as it s as it is one of is one of the most comprehensivethe most comprehensive

enterprise platforms in the industry. A more detailed view of enterprise platforms in the industry. A more detailed view of technology capabilities is shown intechnology capabilities is shown in

the following diagram and is followed the following diagram and is followed by additional layers of detail for by additional layers of detail for the following segments:the following segments:

End-user ExperienceEnd-user Experience

Application ServicesApplication Services

Data ServicesData Services

InfrastructurInfrastructure e ServicesServices IT Lifecycle IT Lifecycle ManagemeManagement.nt.

Figure 10: Technology Capabilities ViewFigure 10: Technology Capabilities View

End User ExperienceEnd User Experience

Consider the following scenarios. A wealth advisor uses a slate device to Consider the following scenarios. A wealth advisor uses a slate device to review the customerreview the customer

profile of her next appointment and research product performance before traveling to theprofile of her next appointment and research product performance before traveling to the

customer’s location to provide customer’s location to provide banking services. A trader uses transparenbanking services. A trader uses transparent displays andt displays and

virtualization to work efficiently while sharing real-time data with other virtualization to work efficiently while sharing real-time data with other traders. A temporarytraders. A temporary

branch is set-up at a branch is set-up at a community event with specialized advisors and supervisors available bycommunity event with specialized advisors and supervisors available by

video conference. A mobile phone provides treasury services for large corporations and bankingvideo conference. A mobile phone provides treasury services for large corporations and banking

services to a services to a previously unbanked village. A branch window previously unbanked village. A branch window displays gesture-based, interactdisplays gesture-based, interactiveive


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signage. Microsoft has delivered innovative end-user capabilities and signage. Microsoft has delivered innovative end-user capabilities and applications for years.applications for years.

Microsoft uses its research tools and methodologies to understand and test usage in order toMicrosoft uses its research tools and methodologies to understand and test usage in order to

improve user efficiency. The Microsoft platform delivers capabilities to Windows and non-improve user efficiency. The Microsoft platform delivers capabilities to Windows and non-

Windows devices with rich end user functionality through a Windows devices with rich end user functionality through a consistent, secure and well-managedconsistent, secure and well-managed

infrastructurinfrastructure, allowing e, allowing financial institutions to financial institutions to explore new access channels and devices, such explore new access channels and devices, such asas

the TV and gaming the TV and gaming systems to reach customers in any situation. Scenarios like those above aresystems to reach customers in any situation. Scenarios like those above are

enabled by Microsoft technology and are changing the end-user and customer experience inenabled by Microsoft technology and are changing the end-user and customer experience in

banking to one that is banking to one that is more interactive, insightful, and collaborative.more interactive, insightful, and collaborative.

Applications deliver expanded functionality including Applications deliver expanded functionality including real-time insights, collaboration,real-time insights, collaboration,

communication and social networking capabilities.communication and social networking capabilities.

New user interfaces are supported including touch, gestures and voice; or pen/stylus support forNew user interfaces are supported including touch, gestures and voice; or pen/stylus support for

electronic signature capture.electronic signature capture.

Influxes of consumer-based electronics are finding their way into the enterprise and it has cInfluxes of consumer-based electronics are finding their way into the enterprise and it has createdreated

new challenges which have been referred to as the consumerization of IT new challenges which have been referred to as the consumerization of IT (CoIT). Considering the(CoIT). Considering the

diversity of Windows diversity of Windows and non-Windows-basand non-Windows-based consumer devices, CoIT ed consumer devices, CoIT has introduced newhas introduced new

application development, compatibility, security and management challenges to the enterprise.application development, compatibility, security and management challenges to the enterprise.

Figure 11: Technology CapabilitiesFigure 11: Technology Capabilities –– End-user Experience End-user Experience

When considering the end user When considering the end user experience in the context of experience in the context of customer-facing banking experiences,customer-facing banking experiences,

the Microsoft end-user experience capabilthe Microsoft end-user experience capabilities can be deployed to ities can be deployed to provide a wide array ofprovide a wide array of

innovative channels for delivering online, host-to-host and mobile financial services to retail orinnovative channels for delivering online, host-to-host and mobile financial services to retail or

commercial customers alike.commercial customers alike.


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Figure 12: Example Delivery ChannelsFigure 12: Example Delivery Channels

FurthermoreFurthermore, R&D investments in , R&D investments in Microsoft’s consumer devices such as Microsoft’s consumer devices such as the Xbox gaming the Xbox gaming systemsystem

and Kinect for Windows are now and Kinect for Windows are now being leveraged by partners to deliver financial servicesbeing leveraged by partners to deliver financial services


Application ServicesApplication Services

Financial institutions’ requirements for application services are expanding. Leveraging theFinancial institutions’ requirements for application services are expanding. Leveraging the

application services in the Microsoft platform can reduce time application services in the Microsoft platform can reduce time to delivery and provide newto delivery and provide new

capabilities as part of the platform capabilities as part of the platform which can be the key which can be the key to building better business processesto building better business processeswithin the financial institution. Capabilities such as workflows and within the financial institution. Capabilities such as workflows and alerts for exceptionalerts for exception

managementmanagement; communications enabled applications that ; communications enabled applications that connect customers to remote advisors;connect customers to remote advisors;

embedded data analytics to provide decision support for front line employees, such as embedded data analytics to provide decision support for front line employees, such as next-next-

product suggestions. Finally, location based services help build applications such as ATM locatorproduct suggestions. Finally, location based services help build applications such as ATM locator

applications in online and mobile banking applications in online and mobile banking applications.applications.

The application services layer within The application services layer within the capabilities view separates application services into the capabilities view separates application services into threethree

logical categorieslogical categories –– Core Application Core Application services, services, Productivity Application Productivity Application services, and services, and IntegrationIntegration

ServicesServices both on-premise and into the cloud.both on-premise and into the cloud.

Figure 13: Technology CapabilitiesFigure 13: Technology Capabilities –– Application Services (High Level) Application Services (High Level)

The level of these capabilities in The level of these capabilities in Microsoft’s application services is large. The broad functionality inMicrosoft’s application services is large. The broad functionality in

the platform can accelerate time to market for the platform can accelerate time to market for banking applications while providing differentiatebanking applications while providing differentiatedd

functionality to the functionality to the end-user, whetheend-user, whether employee or r employee or customer.customer.

Core application Core application services provides the APIs and runtimes to provide services provides the APIs and runtimes to provide low-level applicationlow-level application

capabilities like caching, state management, parallel programming, media delivery, andcapabilities like caching, state management, parallel programming, media delivery, and

location based services. It supports location based services. It supports the remainder of the application the remainder of the application services layer andservices layer andprovides the foundation for provides the foundation for development of business applications on Microsoft’s development of business applications on Microsoft’s platform.platform.


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The businessThe business productivity application services productivity application services layer augments the platform with layer augments the platform with

specialized, higher-order application services. Leverspecialized, higher-order application services. Leveraging these types of aging these types of highly functionalhighly functional

applications services and even the finished applications services and even the finished software it provides can software it provides can significantly reduce thesignificantly reduce the

development and integration work by leveraging these capabilities as part of thedevelopment and integration work by leveraging these capabilities as part of the

enterprise platform;enterprise platform;

oo Collaboration services - enable the composition Collaboration services - enable the composition of applications and of applications and processes forprocesses for

delivery to the end user via delivery to the end user via portals. Enables social networking in the enterprise asportals. Enables social networking in the enterprise as

well as workflow and well as workflow and alertingalertingoo CRM and XRM tools CRM and XRM tools and frameworksand frameworks –– track and manage customer information track and manage customer information

oo Business insight services - utilize data services and collaboration to deliverBusiness insight services - utilize data services and collaboration to deliver

interactive visualizationinteractive visualizations for the best pos for the best possible insights to the end user. This wouldssible insights to the end user. This would

include corporate performance managementinclude corporate performance management, risk , risk analysis, customer insight andanalysis, customer insight and

broad operations managemenbroad operations management functions t functions that replace many traditional reportingthat replace many traditional reporting

methods.methods.

oo Enterprise searEnterprise search - ch - locate and find documents, people and data.locate and find documents, people and data.

oo Unified communication services - provide Unified communication services - provide the integration of presence, voice,the integration of presence, voice,

messaging, email and video to the desktop and devices. Instead of messaging, email and video to the desktop and devices. Instead of ‘telephony’‘telephony’

being managed separately it is being managed separately it is integrated to the end-user experience to integrated to the end-user experience to supportsupport

VOIP, instant messaging and video across the desktop and devices.VOIP, instant messaging and video across the desktop and devices.

oo Content management services form an important element of Content management services form an important element of document anddocument and

records management and records management and regulatory compliance.regulatory compliance.

Integration services provide integration capabilities that connect to Integration services provide integration capabilities that connect to legacy systems, acrosslegacy systems, across

platforms and to the cloud. Integration capabilities ranging from low-level data access toplatforms and to the cloud. Integration capabilities ranging from low-level data access to

low-latency Message Passing Interface (MPI), Complex low-latency Message Passing Interface (MPI), Complex Event Processing (CEP), messageEvent Processing (CEP), message

queuing, ETL and SOA processes. It is the queuing, ETL and SOA processes. It is the area where Enterprise serarea where Enterprise services bus andvices bus and

payments hubs operate. These leverage industry standard interfaces like SWIFT and payments hubs operate. These leverage industry standard interfaces like SWIFT and ISOISO

via Microsoft’s BizTalk Server and the Accelerator for SWIFT which connects to via Microsoft’s BizTalk Server and the Accelerator for SWIFT which connects to paymentspayments

networks to create a networks to create a rationalized payment “hub”.rationalized payment “hub”.

Figure 14 breaks these capabilities down into more granular detail which Figure 14 breaks these capabilities down into more granular detail which exemplifies the depthexemplifies the depth

and breadth of capabilities in the applications services.and breadth of capabilities in the applications services.


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Figure 14: Technology Capabilities - Application Figure 14: Technology Capabilities - Application Services (Detail View)Services (Detail View)


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Data ServicesData Services

Financial institutions seek to perform more transactions, reliably for less cost while improving Financial institutions seek to perform more transactions, reliably for less cost while improving thethe

access employees have to insights to help execute on the business strategy. In the context ofaccess employees have to insights to help execute on the business strategy. In the context of

financial services application architecture, the following are financial services application architecture, the following are examples of the data examples of the data servicesservices

provided; transactional databases of service provided; transactional databases of service factories, data warehousing, reference and marketfactories, data warehousing, reference and market

data, analytics and reporting.data, analytics and reporting.

Figure 15: Technology Capabilities - Data Figure 15: Technology Capabilities - Data Services (High Level)Services (High Level)

The following diagram highlights the breadth of Microsoft’s data & The following diagram highlights the breadth of Microsoft’s data & BI platform capabilities in theBI platform capabilities in the

areas of Online Transaction Processing (OLTP), Enterprise Data Warehouse (EDW), Analytics, andareas of Online Transaction Processing (OLTP), Enterprise Data Warehouse (EDW), Analytics, and

Information Delivery. Key capabilities to note for Banking are Information Delivery. Key capabilities to note for Banking are the extensive mission criticalthe extensive mission critical

capabilities which are a foundation of capabilities which are a foundation of the data platform. Some key highlights include high-scalethe data platform. Some key highlights include high-scale

analytics with Massively Parallel Processing (MPP), High analytics with Massively Parallel Processing (MPP), High Performance DistributPerformance Distributed computinged computing

(HPC), (HPC), Complex Event ProceComplex Event Processing (CEP), column storssing (CEP), column store indexing, horizontal scae indexing, horizontal scale-out and cloud-le-out and cloud-

based SQL Azure Data Platform which, for example, is used by based SQL Azure Data Platform which, for example, is used by Temenos to run T24 Core BankingTemenos to run T24 Core Banking

to support Microfinance in Mexico.to support Microfinance in Mexico.


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Figure 16: Figure 16: Technology ServicesTechnology Services –– Data Services (Detailed View) Data Services (Detailed View)


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Online Transaction Processing (OLTP)Online Transaction Processing (OLTP) –– Financial institutions’ core operations dependFinancial institutions’ core operations depend

upon reliable transaction processing and can upon reliable transaction processing and can face adverse consequences from outages orface adverse consequences from outages or

unreliable processing. Howeveunreliable processing. However, because these services are commoditized r, because these services are commoditized they must bthey must bee

delivered at scale with the best TCO delivered at scale with the best TCO possible. Microsoft Windows and SQL Server providepossible. Microsoft Windows and SQL Server provide

mission-critical scale, performance and reliability for OLTP mission-critical scale, performance and reliability for OLTP workloads.workloads.

Insight and AnalyticsInsight and Analytics –– The demand for information in banking is surging in many areas The demand for information in banking is surging in many areas

including historical including historical analysis, performance budgeting, business performance analytics,analysis, performance budgeting, business performance analytics,

executive dashboards, marketing and sales executive dashboards, marketing and sales automation, product innovation, customerautomation, product innovation, customer

profitability, regulatory compliance and risk managementprofitability, regulatory compliance and risk management. There are so many . There are so many sources ofsources of

data and so many people that need access data and so many people that need access to analytics, the delivery paradigms forto analytics, the delivery paradigms for

information and decision support must change. The Microsoft platform strategy forinformation and decision support must change. The Microsoft platform strategy for

addressing big data is to support massive scale in addressing big data is to support massive scale in the back-end for OLTP and Datathe back-end for OLTP and Data

Analytics and support new Analytics and support new delivery paradigms like self-service and near real-time analyticsdelivery paradigms like self-service and near real-time analytics

in the front-end. An example of this can be found in the Appendix A.in the front-end. An example of this can be found in the Appendix A.

Infrastructure ServicesInfrastructure Services

InfrastructurInfrastructure Services provide e Services provide networking, identity managemennetworking, identity management and t and access, core computingaccess, core computing

services via on-premise, virtualized, or cloud-based infrastructure. This layer is services via on-premise, virtualized, or cloud-based infrastructure. This layer is the foundationthe foundation

providing core services to the other layers of providing core services to the other layers of the architecture; such as data interaction, scale andthe architecture; such as data interaction, scale and

security, application and productivity services, etc. As with other elements of the security, application and productivity services, etc. As with other elements of the MicrosoftMicrosoft

platform, this layer is built with platform, this layer is built with security and integrity as essential considerations. Figure 17 belowsecurity and integrity as essential considerations. Figure 17 below

breaks these services into more granular services that enable capabilities such as server andbreaks these services into more granular services that enable capabilities such as server and

desktop virtualization and server applications and desktop virtualization and server applications and workloads.workloads.

OLTP Example:OLTP Example: Temenos, an Temenos, an alliance gold partner providing industry leading core banking solutions,alliance gold partner providing industry leading core banking solutions,

takes advantage of the SQL platform to run their core banking suite T24. takes advantage of the SQL platform to run their core banking suite T24. In partnership, Temenos andIn partnership, Temenos andMicrosoft have optimized T24 for the Microsoft Windows and SQL platform. Public benchmarks areMicrosoft have optimized T24 for the Microsoft Windows and SQL platform. Public benchmarks are

available demonstrating performanavailable demonstrating performance and near linear ce and near linear scalability for models up to scalability for models up to 25 million accounts.25 million accounts.

For more information, refer to For more information, refer to www.temenos.cwww.temenos.com.om.


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Figure 17: Figure 17: Technology ServicesTechnology Services –– Infrastructure Services (Detail View) Infrastructure Services (Detail View)


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Infrastructure ServicesInfrastructure Services –– Deployment Scenarios Deployment Scenarios

Scenario One; Private, Public, and/or Hybrid CloudScenario One; Private, Public, and/or Hybrid Cloud

A highly topical A highly topical infrastructurinfrastructure service requirement is the ability to e service requirement is the ability to extend computing to the cloud.extend computing to the cloud.

Financial institutions are very interested in cloud computing because of the Financial institutions are very interested in cloud computing because of the opportunities theyopportunities they

bring for innovation and cost. There is bring for innovation and cost. There is a particular interest by financial institutions to a particular interest by financial institutions to implementimplement

private cloud in their datacenters, due to data privacy private cloud in their datacenters, due to data privacy and other business factors which preventand other business factors which prevent

certain uses of public cloud certain uses of public cloud resources today. The goal that is achieved with private cloudresources today. The goal that is achieved with private cloud

deployments is efficiency and cost savings via deployments is efficiency and cost savings via a highly elastic, highly automated and self-servicea highly elastic, highly automated and self-servicecomputing environment. The Infrastrcomputing environment. The Infrastructure Services layer lays the foundation for ucture Services layer lays the foundation for private cloud byprivate cloud by

providing a highly virtualized and automated private cloud implementation in the financialproviding a highly virtualized and automated private cloud implementation in the financial

institution’s institution’s datacentedatacenter.r.

The foundation is built oThe foundation is built on Microsoft Hyper-v which provides virtualization services withinn Microsoft Hyper-v which provides virtualization services within

Microsoft’s platform. The Lifecycle Management layer of Microsoft’s platform. The Lifecycle Management layer of the architecture provides highlythe architecture provides highly

automated operations and includes self-service provisioning through a automated operations and includes self-service provisioning through a service-portservice-portal in al in order toorder to

realize the potential cost savings of the private cloud realize the potential cost savings of the private cloud model. To help with model. To help with the journey to cloud,the journey to cloud,

Microsoft has a Microsoft has a number of professional services offerings, SI number of professional services offerings, SI partners, and architectural guidancepartners, and architectural guidance

((http://www.micrhttp://www.microsoft.com/en-us/seosoft.com/en-us/server-cloud/privarver-cloud/private-cloud/hyperv-te-cloud/hyperv-cloud-deploymencloud-deployment.aspxt.aspx))

specializing in Private cloud specializing in Private cloud implementaimplementations.tions.

Figure 18: Private Cloud configuration with the Microsoft platformFigure 18: Private Cloud configuration with the Microsoft platform

Microsoft Reference Architecture for Private CloudMicrosoft Reference Architecture for Private Cloud ––

http://socihttp://social.technet.mical.technet.microsoft.com/wrosoft.com/wiki/conteniki/contents/articles/381ts/articles/3819.reference-arc9.reference-architecturehitecture-for-private-clou-for-private-cloud.aspxd.aspx

Scenario Two: Branch RenewalScenario Two: Branch Renewal

As another usage example, this layer provides key capabilities to enable branch renewal in theAs another usage example, this layer provides key capabilities to enable branch renewal in thewave of branch modernization that is occurring. wave of branch modernization that is occurring. It provides computing services in centralized,It provides computing services in centralized,

http://www.microsoft.com/en-us/server-cloud/private-cloud/hyperv-cloud-deployment.aspx



http://social.technet.microsoft.com/wiki/contents/articles/3819.reference-architecture-for-private-cloud.aspx





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distributed and hybrid branch topologies and provides the services needed to run technology fordistributed and hybrid branch topologies and provides the services needed to run technology for

the branch including specialty banking peripheral support, file, print, network access andthe branch including specialty banking peripheral support, file, print, network access and

compression services, and security/encryption. Microsoft provides compression services, and security/encryption. Microsoft provides the infrastructure and systemsthe infrastructure and systems

management to deliver a secure, efficient, and management to deliver a secure, efficient, and agile branch infrastructure that enables financialagile branch infrastructure that enables financial

institutions to deliver enhanced customer service at lower TCO. There are many choices institutions to deliver enhanced customer service at lower TCO. There are many choices neededneeded

for renewing branch for renewing branch infrastructureinfrastructuress –– depending upon the bandwidth, costs, employees and depending upon the bandwidth, costs, employees and

customer volumes, etc. Microsoft provides specific planning and design tools for your customer volumes, etc. Microsoft provides specific planning and design tools for your branchbranch

infrastructurinfrastructure called e called “Branch Office Infrastructure Solutions“Branch Office Infrastructure Solutions v3.0”v3.0”http://www.micrhttp://www.microsoft.com/downloaosoft.com/download/en/detad/en/details.aspx?displails.aspx?displaylang=en&id=ylang=en&id=2219922199.. It helps the It helps the

architect understand the depth of architect understand the depth of services available in the infrastructure and services available in the infrastructure and what considerationswhat considerations

one must make one must make when planning branch modernization.when planning branch modernization.

Figure 19: Source BOIS v3.0Figure 19: Source BOIS v3.0 –– Depicting high level branch infrastructure deployment Depicting high level branch infrastructure deployment

Lifecycle ManagementLifecycle Management

IT Lifecycle Management involves the management of IT planning, operations and delivery.IT Lifecycle Management involves the management of IT planning, operations and delivery.

Governance plays a huge role Governance plays a huge role in Financial Services since in Financial Services since there are many operational requirementsthere are many operational requirements

to comply with, and to comply with, and managing compliance of the systems supporting the business can be amanaging compliance of the systems supporting the business can be a

daunting. Microsoft provides GRC compliance libraries and controls to daunting. Microsoft provides GRC compliance libraries and controls to help insure the system arehelp insure the system are

running in a compliant running in a compliant and dependable fashion.and dependable fashion.

Microsoft enables low cost Microsoft enables low cost operations through highly automated management processes. Theseoperations through highly automated management processes. These

are key capabilities to enable private cloud services since the mare key capabilities to enable private cloud services since the management and systemanagement and systemorchestration within our management platform, System Center, is responsible for orchestration within our management platform, System Center, is responsible for the enabling thethe enabling the

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self-service provisioninself-service provisioning and dynamic scaling g and dynamic scaling propertieproperties that make the private cls that make the private cloud sooud so

compelling to financial institutions. The lifecycle compelling to financial institutions. The lifecycle managememanagement layer also provides endpointnt layer also provides endpoint

protection and encryption management to protect systems from data loss or productionprotection and encryption management to protect systems from data loss or production

interruptions and alleviates some of the hassles with cross-platform data protection through itsinterruptions and alleviates some of the hassles with cross-platform data protection through its

ability to ability to manage devices across technology platforms.manage devices across technology platforms.

Technology Capabilities ViewTechnology Capabilities View –– Microsoft Azure Platform Microsoft Azure Platform

Microsoft’s development and management tools address cloud scenarios, on Microsoft’s development and management tools address cloud scenarios, on premise and hybridpremise and hybrid

scenarios within the same suite of tools.scenarios within the same suite of tools.

When looking at the Azure Public When looking at the Azure Public Cloud Platform and at our Private Cloud Cloud Platform and at our Private Cloud guidance, there isguidance, there is

focus on connectivity, development, and management across cloud and datacenter. It also hasfocus on connectivity, development, and management across cloud and datacenter. It also has

core capabilities that are well aligned with on core capabilities that are well aligned with on premise capabilities. The following graphic depictspremise capabilities. The following graphic depictscloud capabilities for each layer of cloud capabilities for each layer of the Microsoft platform.the Microsoft platform.

Trustworthy Computing and Security Development LifecycleTrustworthy Computing and Security Development Lifecycle

The Microsoft platform is developed based on Microsoft’s Trustworthy Computing initiative which includes theThe Microsoft platform is developed based on Microsoft’s Trustworthy Computing initiative which includes theMicrosoft Security Development Lifecycle plan to guide the development and implementation of secure software.Microsoft Security Development Lifecycle plan to guide the development and implementation of secure software.

The Microsoft portfolio is built with these guidelines and has returned positive results in maintaining security inThe Microsoft portfolio is built with these guidelines and has returned positive results in maintaining security in

the platform. For example, SQL Server had no critical vulnerabilities in 2010 . The the platform. For example, SQL Server had no critical vulnerabilities in 2010 . The SDL artifacts are available forSDL artifacts are available for

use in the banking enterprise for governance and management of development and IT operations of businessuse in the banking enterprise for governance and management of development and IT operations of business

applications. Information regarding the SDL visit online at www.microsoft.com/twc.applications. Information regarding the SDL visit online at www.microsoft.com/twc.


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Figure 20: Figure 20: End-to-End CapabilitiesEnd-to-End Capabilities –– Cloud Platform Cloud Platform


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Section VIISection VII

New Paradigms for Delivering New Paradigms for Delivering BankingBanking

ApplicationsApplications

Microsoft sees the next architecture wave as standardizing the banking services with an industry-Microsoft sees the next architecture wave as standardizing the banking services with an industry-view and extending component-based architectures to leverage cloud computing. These view and extending component-based architectures to leverage cloud computing. These areare

fundamental drivers in banking fundamental drivers in banking referereference architecture as they enable nce architecture as they enable processes and services to beprocesses and services to be

distributed at an industry level, not just within the walls of a datacenter or confines of a financialdistributed at an industry level, not just within the walls of a datacenter or confines of a financial

institution’s networkinstitution’s network. As financial institutions focus . As financial institutions focus on strategic priorities, an architecture thaton strategic priorities, an architecture that

enables industry standard services and cloud-based integrated business and technology servicesenables industry standard services and cloud-based integrated business and technology services

will facilitate the strategic sourcing of business functions.will facilitate the strategic sourcing of business functions.

Industry Standardization of Banking Industry Standardization of Banking ServicesServices

When considering reference architectureWhen considering reference architectures, financial institutions s, financial institutions must also consider the must also consider the timelinetimeline

and progression of application architectures since the 1970s and 1980s. Over and progression of application architectures since the 1970s and 1980s. Over time the industrytime the industry

has seen a progression from monolithic applications deployed on mainframes, through client-has seen a progression from monolithic applications deployed on mainframes, through client-

server in the 1990s, to server in the 1990s, to more composite applications on-premise; and now leveraging the scale ofmore composite applications on-premise; and now leveraging the scale of

the cloud.the cloud.

Figure 21: Progression of Application Figure 21: Progression of Application ArchitecturesArchitectures

Banking solutions delivered as Banking solutions delivered as componentizecomponentized sets of d sets of business services have now becomebusiness services have now become

commonplace within the application vendor commonplace within the application vendor community and in-house development (as depictedcommunity and in-house development (as depicted

by the red box by the red box in figure 21). However, the definitions of in figure 21). However, the definitions of these services arethese services are not not standardized standardized across across

industry vendors and financial industry vendors and financial institutions.institutions.

When tackled in isolation, initiatives to transform the Financial Services enterprise toWhen tackled in isolation, initiatives to transform the Financial Services enterprise to

componentized services can prove to be daunting to undertake, challenging to complete andcomponentized services can prove to be daunting to undertake, challenging to complete and

provide less than optimal reuse across the enterprise or the banking provide less than optimal reuse across the enterprise or the banking industry. This is whereindustry. This is where


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collaborative efforts from BIAN and IFX can collaborative efforts from BIAN and IFX can add value to enabling standardized services within theadd value to enabling standardized services within the

banking banking enterpriseenterprise..

BIAN (whose membership includes major global financial BIAN (whose membership includes major global financial institutions, software vendors andinstitutions, software vendors and

solution integrators) is focused-on the standardization of solution integrators) is focused-on the standardization of Service Oriented ArchitecturesService Oriented Architectures

across the banking industry. BIAN is in across the banking industry. BIAN is in the iterative process of defining common, industry-the iterative process of defining common, industry-

standard banking services at a business standard banking services at a business semantics level and creating guidance for semantics level and creating guidance for thethe

implementation of these services in the banking enterprise. An example of the current BIANimplementation of these services in the banking enterprise. An example of the current BIANService Landscape (versiService Landscape (version 1.5) can be on 1.5) can be found in Appendix G. Please also found in Appendix G. Please also refer torefer to

www.bian.orgwww.bian.org for future versions of BIAN for future versions of BIAN architecture documearchitecture documents and a full nts and a full list of members.list of members.

Figure 22: BIAN Figure 22: BIAN Industry DeliverablesIndustry Deliverables

Microsoft also collaborates closely with Interactive eXchange Forum (IFX). IFX is Microsoft also collaborates closely with Interactive eXchange Forum (IFX). IFX is an open,an open,

interoperainteroperable financial messaging standard for ble financial messaging standard for defining financial message payloads. IFXdefining financial message payloads. IFX

message specificatmessage specification and object oriented design makes it ion and object oriented design makes it well-suited to be leveraged in awell-suited to be leveraged in a

web-serviceweb-service. IFX is . IFX is designed for SOA but the IFX designed for SOA but the IFX Forum mission does not focus onForum mission does not focus on definingdefining

standardizestandardized services. Conversely, BIAN does not d services. Conversely, BIAN does not define low-level financial messaging. Thisdefine low-level financial messaging. This

makes IFX messaging and BIAN’s Service Definitions a good complement to each other. Themakes IFX messaging and BIAN’s Service Definitions a good complement to each other. The

diagram below gives a simplistic example of diagram below gives a simplistic example of that complement of the two standards. Pleasethat complement of the two standards. Please

also refer toalso refer to www.ifxforum.orgwww.ifxforum.org for more information relatefor more information related to IFX d to IFX and the IFX Forum.and the IFX Forum.

Figure 23: Alignment of BIAN and IFXFigure 23: Alignment of BIAN and IFX

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MIRA-B complements the value proposition of MIRA-B complements the value proposition of industry architecture bodies and extends thoseindustry architecture bodies and extends those

elements to a reference architecture based on and deployed with Microsoft technology.elements to a reference architecture based on and deployed with Microsoft technology.

Extending Application Architectures to the CloudExtending Application Architectures to the Cloud

Cloud computing, and the ability Cloud computing, and the ability to efficiently access cloud resources is now to efficiently access cloud resources is now as important asas important as

application composition and SOA for improving time to application composition and SOA for improving time to market and reach, while reducing cost ofmarket and reach, while reducing cost of

operations. As we move into the future, the ioperations. As we move into the future, the industry will provide more and more specializedndustry will provide more and more specialized

services which are designed to be iservices which are designed to be integrated into a financial institution’s ntegrated into a financial institution’s business processes asbusiness processes asapplication ‘building blocks’. This application ‘building blocks’. This componentized approach can enable more ‘applicationcomponentized approach can enable more ‘application

composition’ in lieu of composition’ in lieu of every bank building redundant and often commoditized capabilities. Cloudevery bank building redundant and often commoditized capabilities. Cloud

computing and Services Oriented Architecture (SOA) will play an increasingly important role sincecomputing and Services Oriented Architecture (SOA) will play an increasingly important role since

many of these services will run in many of these services will run in the cloud and financial services institutions will the cloud and financial services institutions will leverage SOAleverage SOA

patterns as a primary mechanism to interact with these services. Aspatterns as a primary mechanism to interact with these services. As depicted below, Microsoft’sdepicted below, Microsoft’s

platform provides cloud-based computing, application, data and platform provides cloud-based computing, application, data and virtualization services for Publicvirtualization services for Public

cloud. For connecting them together, Microsoft Windows and Azure provides the ability to cloud. For connecting them together, Microsoft Windows and Azure provides the ability to quicklyquickly

and securely integrate public cloud resources into the enterprise including service bus and secure,and securely integrate public cloud resources into the enterprise including service bus and secure,

IPSec networking (via Windows Azure Connect, IPSec networking (via Windows Azure Connect, Service Bus Relay) and Service Bus Relay) and FederatFederated Claims-baseded Claims-based

Identity (via Active Identity (via Active Directory).Directory).

Figure 24: Sample Cloud Integration Figure 24: Sample Cloud Integration ModelModel

An architecture designed for leveraging cloud services enables more flexibility for financialAn architecture designed for leveraging cloud services enables more flexibility for financial

institutions to leverage business solutions and services that are built in-house as well as institutions to leverage business solutions and services that are built in-house as well as making itmaking it

easier to leverage an ISV or SI easier to leverage an ISV or SI solutions as well.solutions as well.

As with other computing models, adoption of cloud computing is not an all or nothingAs with other computing models, adoption of cloud computing is not an all or nothing

proposition. To benefit from cloud proposition. To benefit from cloud computing, financial institutions can take ancomputing, financial institutions can take an incremental incremental

approach to adoption as is suitable for approach to adoption as is suitable for that institution. Cloud adoption will ultimately span a that institution. Cloud adoption will ultimately span a rangerange

of scenarios from development and testing to production tier-1 of scenarios from development and testing to production tier-1 applications and will leverage aapplications and will leverage abroad set of capabilities ranging from highly broad set of capabilities ranging from highly automateautomated, elastic private cloud d, elastic private cloud infrastructinfrastructuresures


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(provided by Windows and System Center) to public, multi-tenant cloud p(provided by Windows and System Center) to public, multi-tenant cloud platforms (such aslatforms (such as

Windows Azure). For example, many benefits can be gained for development, test and/orWindows Azure). For example, many benefits can be gained for development, test and/or

production but it does not have to be all pproduction but it does not have to be all projects at once. The same goes for adopting cloudrojects at once. The same goes for adopting cloud

capabilitiescapabilities –– all capabilities and data storage need-not be migrated to all capabilities and data storage need-not be migrated to the public cloud at-once.the public cloud at-once.

For example customer data can be left on For example customer data can be left on premises but cloud computing power can be used premises but cloud computing power can be used forfor

analytics and high performance computing or perhaps leverage the simplified connectivity andanalytics and high performance computing or perhaps leverage the simplified connectivity and

caching capabilities in the cloud caching capabilities in the cloud for connecting systems together. Therfor connecting systems together. There are many differente are many different

strategies that can be used for migration to strategies that can be used for migration to the cloud. Microsoft provides many options the cloud. Microsoft provides many options to helpto helpyou in the you in the cloud journey including partners, professional services, as well as great self-servicecloud journey including partners, professional services, as well as great self-service

resources at Azure.com and MSDN.com. Additionally books such asresources at Azure.com and MSDN.com. Additionally books such as To the Cloud: CloudTo the Cloud: Cloud

Powering an Enterprise Powering an Enterprise by authors Pankaj Arora, Raj by authors Pankaj Arora, Raj Biyani, and Dave Salil provide references andBiyani, and Dave Salil provide references and

high-level process guide for cloud migration.high-level process guide for cloud migration. http://www.http://www.tothecloudguide.cotothecloudguide.com/the_book.am/the_book.aspxspx

MIRA-BMIRA-B –– Developing a Services View of Architecture Developing a Services View of Architecture

A critical challenge for A critical challenge for financial institutions is integrating new channels, applications, data flowsfinancial institutions is integrating new channels, applications, data flows

and operational processes into the traditional back office. Financial institutions must recognizeand operational processes into the traditional back office. Financial institutions must recognize

that the driving forces of that the driving forces of the product development and delivery channels versus the back officethe product development and delivery channels versus the back office

are very different, and the are very different, and the reference architecturreference architecture must e must accommodate this reality.accommodate this reality.

Front-office Front-office and Baand Back-office ck-office Different Different Focus Focus and Opand Operating erating ModelsModels

Front office and delivery channels (customer experience and product delivery)Front office and delivery channels (customer experience and product delivery)

This is the point of differentiation in the marketplace, where financial institutions compete onThis is the point of differentiation in the marketplace, where financial institutions compete on

functionalitfunctionality of y of products and serviceproducts and service

The primary point of customer experienceThe primary point of customer experience

Major driving forces being innovation, agility for Major driving forces being innovation, agility for rapid product delivery, and customer service.rapid product delivery, and customer service.

Operations (traditionallOperations (traditionally, y, the back office)the back office)

The commoditized area of banking and should be a black-box to customersThe commoditized area of banking and should be a black-box to customers

New channels create stress and change on operations; an area that demands stability and aNew channels create stress and change on operations; an area that demands stability and a

slow rate of changeslow rate of change

The major drivers are stability, efficiency and reuse of shared services.The major drivers are stability, efficiency and reuse of shared services.

To enable agility, To enable agility, reduce integration cost, and increase reuse across reduce integration cost, and increase reuse across the enterprise, financialthe enterprise, financial

institutions must decouple the rapid change cycle of institutions must decouple the rapid change cycle of the channels from the stable processing ofthe channels from the stable processing of

the back office. the back office. To achieve this To achieve this state, a multi-layered modular approach to state, a multi-layered modular approach to enterprise architectuenterprise architecturereis recommended to decouple is recommended to decouple business services from front-end processes.business services from front-end processes.

The MIRA-BThe MIRA-B services viewservices view highlights the integration capabilities of the Microsoft platform whichhighlights the integration capabilities of the Microsoft platform which

enables banks to implement modern-day integration including the integration of cloud computingenables banks to implement modern-day integration including the integration of cloud computing

resources into the banking architecture. The services view also shares Microsoft’s vision of howresources into the banking architecture. The services view also shares Microsoft’s vision of how

banking industry-specific service definitions and messaging standarbanking industry-specific service definitions and messaging standards like BIAN, ISO, and ds like BIAN, ISO, and IFX fitIFX fit

into the reference architecture and how they could provide a into the reference architecture and how they could provide a foundation for building repeatablefoundation for building repeatable

and standardized softwareand standardized software, not only , not only across the banking enterprise, but across the bankingacross the banking enterprise, but across the banking

industry. Figure 25 shows the simplified industry. Figure 25 shows the simplified capabilities view, introduces the typical workloads found incapabilities view, introduces the typical workloads found in

each layer and shows how these capabilities support theeach layer and shows how these capabilities support the services view services view of banking application of banking application

architecture.architecture.

The MIRA-BThe MIRA-B services view services view is segmented into the following is segmented into the following three strata: Business Service Factoriesthree strata: Business Service Factories

(Service Providers), Product Assembly (Service (Service Providers), Product Assembly (Service Composition), and Delivery (Service Consumption).Composition), and Delivery (Service Consumption).

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Figure 25: MIRA-B Services ViewFigure 25: MIRA-B Services View

The provider/composerThe provider/composer/consumer model is one of /consumer model is one of many ways to logically many ways to logically depict bankingdepict banking

integration, and it is an integration, and it is an appropriate view for demonstrating the points mentioned above includingappropriate view for demonstrating the points mentioned above including

the alignment to the BIAN Service Landscape within the architecture. The three strata are furtherthe alignment to the BIAN Service Landscape within the architecture. The three strata are further

defined (bottom up) as follows:defined (bottom up) as follows:

1. Business Service Factories (Service Provider)1. Business Service Factories (Service Provider)

The Business Service Factories (Service Providers) are to The Business Service Factories (Service Providers) are to all intents and all intents and purposes operationapurposes operational blackl blackboxes. The Business Service Factories (Service Providers) tend to boxes. The Business Service Factories (Service Providers) tend to perform data intensive processesperform data intensive processes

dedicated to specific applications and functions of business operations; such as Payments,dedicated to specific applications and functions of business operations; such as Payments,

Lending, Enterprise Risk and Customer. Each service provider will contain only the Lending, Enterprise Risk and Customer. Each service provider will contain only the applicationsapplications

and services specific to the nature of and services specific to the nature of that service factory’s (provider’s) business. These servicethat service factory’s (provider’s) business. These service

factories provide functions that are exposed for reuse, by multiple consumers of the services. Thisfactories provide functions that are exposed for reuse, by multiple consumers of the services. This

loose coupling helps to iloose coupling helps to isolate the services provided by back office operations from the vast solate the services provided by back office operations from the vast rangerange

of user-specific requirements in the diof user-specific requirements in the different end-user applications.fferent end-user applications.

The service provider’s services are consumed directly The service provider’s services are consumed directly or via or via an intermediary “product assembly”an intermediary “product assembly”

(services composition) layer. All factories may provide and consume services either directly or via(services composition) layer. All factories may provide and consume services either directly or via

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2. Product Assembly (Service Composition)2. Product Assembly (Service Composition)

The service composition layer combines dThe service composition layer combines discreet services into business processes and applicationsiscreet services into business processes and applications

for consumption by service consumers. This is the for consumption by service consumers. This is the logical layer where standardized application,logical layer where standardized application,

integration and collaboration technology is integration and collaboration technology is used to define processes and used to define processes and workflows between theworkflows between the

delivery channels and core banking delivery channels and core banking applications. This layer enables channels to integrate verticallyapplications. This layer enables channels to integrate vertically

to core banking applications and also to core banking applications and also provides platform services for application enrichment suchprovides platform services for application enrichment such

as using as using itinerary-baitinerary-based workflow, sed workflow, orchestratorchestration, data ion, data transformattransformation, collaboration, andion, collaboration, and

productivity toolsproductivity tools –– thus producing a more valuable “composite application” for consumption andthus producing a more valuable “composite application” for consumption andreuse by the reuse by the Delivery (Services Consumption) layer. The Product Assembly (Service Composition)Delivery (Services Consumption) layer. The Product Assembly (Service Composition)

layer is the point in the service view at which multi-channel delivery begins to diverge and it islayer is the point in the service view at which multi-channel delivery begins to diverge and it is

logically where the Enterprise Services Bus as well as distributed services such logically where the Enterprise Services Bus as well as distributed services such as those built withas those built with

Windows Communication FoundationWindows Communication Foundation ((WCF ServicesWCF Services)) resides. resides.

3. Delivery (Service Consumption)3. Delivery (Service Consumption)

Consumers of the enterprise services are typically applications supporting the front-office, mid-Consumers of the enterprise services are typically applications supporting the front-office, mid-

office, or delivery office, or delivery channels; or another service (provider or channels; or another service (provider or composer). The Delivery (Servicescomposer). The Delivery (Services

Consumption) Layer of the MIRA-B services view defines the applications and devices thatConsumption) Layer of the MIRA-B services view defines the applications and devices that

consume enterprise services. The service consumption layer also consume enterprise services. The service consumption layer also enriches the services beingenriches the services being

consumed with collaboration and productivity capabilities. At this layer, the focus consumed with collaboration and productivity capabilities. At this layer, the focus is on end is on end useruser

experience and accomplishing the task at hand in experience and accomplishing the task at hand in the most effective and efficient manner.the most effective and efficient manner.

The Delivery (Services Composition) layer includes applications and The Delivery (Services Composition) layer includes applications and devices by which devices by which customerscustomers

interact with the financial interact with the financial institution. This includes institution. This includes Teller, Advisor, Trader, Wealth ManagerTeller, Advisor, Trader, Wealth Manager

applications as well as other applications for applications as well as other applications for contact centers, branchecontact centers, branches, ATMs, voice response unitss, ATMs, voice response units

(VRU), online applications, mobile device applications, direct host to host communications for(VRU), online applications, mobile device applications, direct host to host communications for

commercial clients, and emerging channels such as the television and gaming cocommercial clients, and emerging channels such as the television and gaming consoles.nsoles.

Taking this 3-layered model one step further, Figure 26 Taking this 3-layered model one step further, Figure 26 shows several exampleshows several examples of Delivery,s of Delivery,

Product Assembly processes, and Business Services Factories (along with Product Assembly processes, and Business Services Factories (along with typicaltypical

applications/moduleapplications/modules one might expect to s one might expect to find in the Risk find in the Risk and Payments service factories).and Payments service factories).

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Figure 26: MIRA-B Capabilities Services ViewFigure 26: MIRA-B Capabilities Services View

Figure 27 depicts a Figure 27 depicts a services composition for payments processing which includes services (whichservices composition for payments processing which includes services (which

could be traditional applications) to perform high could be traditional applications) to perform high and low value payments, externaand low value payments, external messagingl messaging

and integration to payments networks, and a reconciliations service. Figure 27 shows a and integration to payments networks, and a reconciliations service. Figure 27 shows a samplesample

business model for executing payments via the mobile banking channel. In business model for executing payments via the mobile banking channel. In this example thethis example the

Business Service Factories will provide services to the Product Assembly layer as needed byBusiness Service Factories will provide services to the Product Assembly layer as needed by

composite processes. The ‘Execute Payment’ service will require a composite processes. The ‘Execute Payment’ service will require a payment screening service frompayment screening service fromthe Risk Services Factory, and also one the Risk Services Factory, and also one or more payment services from the Payments Servicesor more payment services from the Payments Services


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Factory, based on the characteristics of the transaction. As part of Factory, based on the characteristics of the transaction. As part of daily operations, any givendaily operations, any given

Business Services Factory may also consume services from other Business Service Factories via theBusiness Services Factory may also consume services from other Business Service Factories via the

Product Assembly integration layer (such as via a service bus). This Product Assembly integration layer (such as via a service bus). This is essentially what is defined asis essentially what is defined as

‘itinerary‘itinerary--based processing.’based processing.’

Figure 27: Extending Banking Services to the Cloud (PFigure 27: Extending Banking Services to the Cloud (Payments Example)ayments Example)

Reference architectuReference architectures and res and development practices must also allow development practices must also allow for composite applicationsfor composite applications

that utilize cloud-based resources. To that end, this model also that utilize cloud-based resources. To that end, this model also allows for consumption of servicesallows for consumption of services

from the cloud. The example in from the cloud. The example in Figure 27 also shows that the Watch List Figure 27 also shows that the Watch List data published bydata published by

national governments is offered as a service in the pnational governments is offered as a service in the public cloud rather than downloaded andublic cloud rather than downloaded and

stored in multiple databases across any given banking entity. This approach opens up thestored in multiple databases across any given banking entity. This approach opens up the

opportunity to provide commoditized banking services to an entire industry, thereby realizing theopportunity to provide commoditized banking services to an entire industry, thereby realizing the

type of efficiencies espoused by BIAN.type of efficiencies espoused by BIAN.

Microsoft Capabilities as Microsoft Capabilities as an Enabler of an Enabler of Industry-stanIndustry-standard Banking Servicesdard Banking Services

This section illustrates how the integration capabilities of the Microsoft This section illustrates how the integration capabilities of the Microsoft technology stack can betechnology stack can be

leveraged to develop composite banking services that conform to the models developed andleveraged to develop composite banking services that conform to the models developed and

maintained by BIAN. Figure 28 shows how maintained by BIAN. Figure 28 shows how BIAN services can be implemented leveraBIAN services can be implemented leveraging toging to

Microsoft’s integration caMicrosoft’s integration capabilities.pabilities.

Cloud-Based Integration ExampleCloud-Based Integration Example

By leveraging the cloud platform and services, government agencies, banks and compliance software vendors all standBy leveraging the cloud platform and services, government agencies, banks and compliance software vendors all stand

to benefit. For example, governments could publish reference data to the cloud repository. Compliance vendors couldto benefit. For example, governments could publish reference data to the cloud repository. Compliance vendors could

deploy on-premise or cloud-based applications that consume reference data from the aforementioned data repositories.deploy on-premise or cloud-based applications that consume reference data from the aforementioned data repositories.

Finally, banks around the world would benefit from lowered technology costs and reduced compliance risk as theFinally, banks around the world would benefit from lowered technology costs and reduced compliance risk as the

reference data would be universally accessible on demand from local access points.reference data would be universally accessible on demand from local access points.


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Figure 28: MIRA-B Services View Figure 28: MIRA-B Services View Showing BIAN IntegrationShowing BIAN Integration

Starting at the top Starting at the top right, the BIAN right, the BIAN architecture meta-modearchitecture meta-models and ls and service descriptions areservice descriptions are

published and stored in an enterprise services registry and repository (components modelled inpublished and stored in an enterprise services registry and repository (components modelled in

thethe BizTalk Enterprise Service Bus Toolkit v2.1BizTalk Enterprise Service Bus Toolkit v2.1)). Microsoft platform capabilities provide both. Microsoft platform capabilities provide both

centralized and/or distributecentralized and/or distributed service hosting capabilities (for example in an d service hosting capabilities (for example in an ESB built on ESB built on BizTalkBizTalk

Server) as well as distributed hosting such as Server) as well as distributed hosting such as in the Windows Communication Foundation andin the Windows Communication Foundation and

AppFabric (an integration component within Microsoft Windows and Windows Azure) . The leftAppFabric (an integration component within Microsoft Windows and Windows Azure) . The left

area of the diagram shows an expanded view of area of the diagram shows an expanded view of Microsoft’s applicatiMicrosoft’s application integration on integration capabilities,capabilities,

originally covered in Section V originally covered in Section V of this document. These relate to the discrete areas of: of this document. These relate to the discrete areas of: EnterpriseEnterprise

Services Registry and Repository; SOA and Services Registry and Repository; SOA and EDA; Business Process.EDA; Business Process.

The lower right of The lower right of the diagram illustrates a view of a the diagram illustrates a view of a Service Composition layer which leveragesService Composition layer which leverages

Microsoft’s integration and messaging capabilities that enable faster development and integrationMicrosoft’s integration and messaging capabilities that enable faster development and integration

of services. For of services. For example, financial messaging components delivered by BizTalk Server and theexample, financial messaging components delivered by BizTalk Server and the

Accelerators for SWIFT and EDI Accelerators for SWIFT and EDI to handle compliant SWIFT to handle compliant SWIFT and EDIFACT/X12 message exchange.and EDIFACT/X12 message exchange.

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More details of the Microsoft Capabilities Model can be More details of the Microsoft Capabilities Model can be found in Appendix C. found in Appendix C. Additional detailsAdditional details

regarding BIAN can be found in Appendix G or atregarding BIAN can be found in Appendix G or at www.bian.orgwww.bian.org..






Page 46

Section VIIISection VIII

Why Microsoft?Why Microsoft?

Management of data and technology is the cornerstone of financial services, and oManagement of data and technology is the cornerstone of financial services, and of banking inf banking in

particular. Financial institutions that can particular. Financial institutions that can best manage data and systems, orchestrate businessbest manage data and systems, orchestrate business

processes and transactions, and have the highest level of insight into processes and transactions, and have the highest level of insight into business operations can gainbusiness operations can gaina competitive edge in the industry a competitive edge in the industry in terms of product innovation, operational efficiency, and riskin terms of product innovation, operational efficiency, and risk

management.management.

Microsoft believes that a modern, agile banking architecture based-on Microsoft technology is aMicrosoft believes that a modern, agile banking architecture based-on Microsoft technology is a

key enabler in helping financial institutions quickly key enabler in helping financial institutions quickly address industraddress industry trends and resolve technicaly trends and resolve technical

challenges to create new business challenges to create new business opportunities in today’s banking industry.opportunities in today’s banking industry.

So what differentiates the Microsoft value proposition in banking? So what differentiates the Microsoft value proposition in banking? There are four key areas:There are four key areas:

1. Standards Based Integration1. Standards Based Integration

The Microsoft platform provides for deep integration with third party technology iThe Microsoft platform provides for deep integration with third party technology including Oracle,ncluding Oracle,

IBM DB2, Sybase, and even proprietIBM DB2, Sybase, and even proprietary mainframe applications and dataary mainframe applications and data. . Industry-specificIndustry-specific

standards such as ISO 20022 and those standards such as ISO 20022 and those being developed within BIAN and W3C are directlybeing developed within BIAN and W3C are directlysupported. supported. Such flexibility allows for a finanSuch flexibility allows for a financial institution to stage a core systecial institution to stage a core system migration or am migration or a

new solution using existing financial institution data and avoid new solution using existing financial institution data and avoid business disruption.business disruption.

2. Assets for the Front, Middle, & Back 2. Assets for the Front, Middle, & Back OfficeOffice

Microsoft provides industry solutions that span devices to desktop, and Microsoft provides industry solutions that span devices to desktop, and datacentedatacenter to clor to cloud. Noud. No

other company provides a “full solution stack”. Microsoft other company provides a “full solution stack”. Microsoft continues to innovate incontinues to innovate in R&D around R&D around

devices and the cloud to drive nedevices and the cloud to drive new technology models. w technology models. The benefit is consistenThe benefit is consistency across thecy across the

development platform, securdevelopment platform, security model, and IT ity model, and IT services that can help a financial institution optimizeservices that can help a financial institution optimize

its operational efficiency and impact the cost its operational efficiency and impact the cost income ratio.income ratio.

3. Price/Performance and Reliability for 3. Price/Performance and Reliability for Mission Critical SolutionsMission Critical Solutions

The Microsoft back office platform has matured to the point where it is now being used to runThe Microsoft back office platform has matured to the point where it is now being used to run

entire stock exchanges such asentire stock exchanges such as DirectEdgeDirectEdge in the US, and to in the US, and to replace mainframereplace mainframes for core s for core bankingbanking

such as in the case of such as in the case of Skandinavisk DatacenterSkandinavisk Datacenter,, and in a and in a growing number of mission criticalgrowing number of mission critical

solutions across the industry.solutions across the industry. Microsoft works diligently with leading industry partners to optimizeMicrosoft works diligently with leading industry partners to optimize

their solutions for their solutions for the Microsoft stack and the Microsoft stack and develop benchmarks that demonstrate performancedevelop benchmarks that demonstrate performance

and reliability.and reliability.

4. Enterprise Class Development Tools4. Enterprise Class Development Tools

Microsoft offers a comprehensive suite of application lifecycle management tools for teams toMicrosoft offers a comprehensive suite of application lifecycle management tools for teams to

ensure quality results, from design to deployment. Whether you are creating new solutions orensure quality results, from design to deployment. Whether you are creating new solutions or

enhancing existing applications, Visual Studio enables a quicker time to market, low TCO enhancing existing applications, Visual Studio enables a quicker time to market, low TCO andand

enterprise class enterprise class robustnessrobustness..

http://www.microsoft.com/casestudies/Windows-Server-2008-R2-Enterprise/Direct-Edge/Stock-Exchange-Chooses-Windows-over-Linux-Reduces-Latency-by-83-Percent/4000008758















Page 47

Section IXSection IX

SummarySummary

MIRA-B incorporateMIRA-B incorporates the elements discussed into a graphical view of the banking enterprises the elements discussed into a graphical view of the banking enterprise. . ThisThis

includes how IT capabilities are mapped to includes how IT capabilities are mapped to the Microsoft platform, how industry standards arethe Microsoft platform, how industry standards are

leveraged, and how mission critical disciplines are applied. Microsoft has aligned MIRA-B toleveraged, and how mission critical disciplines are applied. Microsoft has aligned MIRA-B toIndustry standards such as BIAN and explained the combination of great technology, people andIndustry standards such as BIAN and explained the combination of great technology, people and

processes as key facets of processes as key facets of mission-critical operations.mission-critical operations.

The Microsoft platform provides the foundational building blocks that allow The Microsoft platform provides the foundational building blocks that allow financial institutions tofinancial institutions to

deliver world class solutions in the deliver world class solutions in the areas of Sales and Service, Digital Marketing, Governance, Risk,areas of Sales and Service, Digital Marketing, Governance, Risk,

and Compliance, Business Insight, and Operations. Case studies and Compliance, Business Insight, and Operations. Case studies and customer success stories canand customer success stories can

be found online at thebe found online at the Microsoft Financial ServicesMicrosoft Financial Services industry pages. That said, banking industry pages. That said, banking solutions aresolutions are

most successful when the success pillars of people, process, policy, governance, and technologymost successful when the success pillars of people, process, policy, governance, and technology

are considered in delivery.are considered in delivery.

In order to In order to implement MIRA-B and the solutions it enables, Microsoft offers the services of itsimplement MIRA-B and the solutions it enables, Microsoft offers the services of its

industry partnersindustry partners as well as the as well as the architectural services of architectural services of Microsoft Consulting ServicesMicrosoft Consulting Services.. Our Our

enterprise banking customerenterprise banking customers are also invited s are also invited to visit theto visit the Executive Briefing CenterExecutive Briefing Center in Redmondin RedmondWashington to hear directly from Microsoft product teams and Washington to hear directly from Microsoft product teams and industry experts and see some ofindustry experts and see some of

the latest game changing solutions the latest game changing solutions first-hand.first-hand.

Insummary,thInsummary,therepeataerepeatablestandardsbablestandardsbasedrefesedreferencearchiterencearchitectureprovidedbyMctureprovidedbyMIRA-BcanhelpIRA-Bcanhelp

thebankingindustthebankingindustryreduceoveryreduceoverallcostsandrallcostsandprovideaplatforprovideaplatformforsustainedmforsustainedinnovationininnovationin

financialservicesfinancialservices.MIRA-Boutline.MIRA-Boutlinesaroadmasaroadmapforthefuturpforthefuturewiththearchiteewiththearchitecturalflexibilitytocturalflexibilityto

deliverindustrysdeliverindustrysolutionson-premiseolutionson-premiseorinthecloud.Aorinthecloud.Asaresult,tsaresult,thissupportsnehissupportsnewbusinesswbusiness

models,profitstmodels,profitstreamsandcureamsandcustomerexpestomerexperiencesthariencesthatenablefinatenablefinancialinstitutionstolevencialinstitutionstoleveragerage

technologyasametechnologyasameansofbeingansofbeingpresentinthepresentinthefinanciallivesofthefinanciallivesoftheircustomersircustomersanytime,anyanytime,any

place,acrosschannelsanddevices.place,acrosschannelsanddevices.

At the end of At the end of the day, a by-product of the day, a by-product of sound architecture is a seamless customer experiesound architecture is a seamless customer experience.nce.

http://www.microsoft.com/enterprise/industry/financial-services/default.aspx#fbid=mkZyAv1QH8k



http://www.microsoft.com/enterprise/partners


http://www.microsoft.com/microsoftservices/en/us/home.aspx



http://www.microsoft.com/ebc/default.mspx








Page 48

AppendicesAppendices


Page 49

Appendix AAppendix A –– Big Data Big Data

Traditional models for delivering analytics cannot address the growing quantities of data in theTraditional models for delivering analytics cannot address the growing quantities of data in the

same way as the past because the Time to same way as the past because the Time to Insight (TTI) can be too Insight (TTI) can be too long to create, load andlong to create, load and

analyze information.analyze information.

Figure 29: Big DataFigure 29: Big Data –– Standards Analytics Lifecycle Standards Analytics Lifecycle

The second diagram shows one approach possible with the Microsoft Data platform The second diagram shows one approach possible with the Microsoft Data platform to analyzeto analyze

data in-flight, dynamically create models and then query the data stream going-forward based ondata in-flight, dynamically create models and then query the data stream going-forward based on

the models. If desired, the analysis results can be stored the models. If desired, the analysis results can be stored in an archive but in an archive but the key-is that users dothe key-is that users do

not have to wait not have to wait for latent batch extract Transform and Load processes. This model is but for latent batch extract Transform and Load processes. This model is but oneone

example of many in-why Microsoft is considered a world example of many in-why Microsoft is considered a world thought leader around big data andthought leader around big data and

analytics.analytics.

Figure 30: Big DataFigure 30: Big Data –– SQL StreamInsight SQL StreamInsight


Page 50

Appendix BAppendix B –– Innovative End User Experience Innovative End User Experience

Delivering innovative, collaborative end user experiences and answering challenges to CoITDelivering innovative, collaborative end user experiences and answering challenges to CoIT

Innovative End-user CapabilitiesInnovative End-user Capabilities

Requirement Requirement MicrosoftMicrosoft-based -based Capabilities Capabilities Benefit/differeBenefit/differentiatorntiator

The BankingThe Banking

industryindustry

demands rapiddemands rapid

delivery of newdelivery of new

products andproducts and

services.services.

MicrosoMicrosoft has ft has an industry-leading an industry-leading applicatiapplicationon

platform and finished software services portfolioplatform and finished software services portfolio

that is rich with functionality.that is rich with functionality.

Rapid, team application development forRapid, team application development for

cloud and on-premise deployments,cloud and on-premise deployments,

Windows and non-Windows clients.Windows and non-Windows clients.

Leveraging highly-functionLeveraging highly-functional services al services suchsuch

as SharePoint and Lync as components ofas SharePoint and Lync as components of

the application platform significantlythe application platform significantly

decreases the coding effort to deliver clientdecreases the coding effort to deliver client

applications.applications.

Rapidly deliver the end-user experience inRapidly deliver the end-user experience in

managed and highly automated fashionmanaged and highly automated fashion

for VDI/RDS, rich clients and browserfor VDI/RDS, rich clients and browser

clients.clients.

Key Microsoft capabilities include:Key Microsoft capabilities include: Award winning design and developmentAward winning design and development

environmentenvironment

Leverages pre-built application Leverages pre-built application capabilitiescapabilities

and solution acceleratorsand solution accelerators

Versatile cloud and/or Versatile cloud and/or on-premiseon-premise

application platform.application platform.

Support for Model View Controller (MVC)Support for Model View Controller (MVC)

Robust driver development kit for bankingRobust driver development kit for banking

peripherals such as receipt & validationperipherals such as receipt & validation

printers, image scanner, etc.printers, image scanner, etc.

Integrated instrumentation plus automatedIntegrated instrumentation plus automated

management and monitoring.management and monitoring.

Rapid delivery to market for both Windows andRapid delivery to market for both Windows and

non-Windows client devices by using robustnon-Windows client devices by using robust

application development tools, prebuilt platformapplication development tools, prebuilt platform

functionality, and automated systems managementfunctionality, and automated systems management


Today’s usersToday’s users

need efficientneed efficient

applicationapplication

interaction ininteraction in

the workplace.the workplace.

Innovative application capabilities and Innovative application capabilities and clientclient

applicatioapplications enhance the ns enhance the effectiveness ofeffectiveness of

employees, raise customer satisfaction, andemployees, raise customer satisfaction, and

decreases cost to serve.decreases cost to serve.

Key Microsoft Capabilities include;Key Microsoft Capabilities include;

Intuitive interfaces for delivery Intuitive interfaces for delivery acrossacross

multiple platforms, both Windows andmultiple platforms, both Windows and

non-Windows.non-Windows.

Advanced platform capabilities (finishedAdvanced platform capabilities (finished

services and platform components):services and platform components):

oo Integrated customer management (CRM)Integrated customer management (CRM)

oo Integrated business productivity -Integrated business productivity -

Collaboration, enterprise search,Collaboration, enterprise search,

presence, unified communications, datapresence, unified communications, data

visualization, data visualization, data connectivitconnectivity, y, contentcontent

management, etc.management, etc.

Improved end user productivity via highly-Improved end user productivity via highly-

integrated application services and businessintegrated application services and business

productiproductivity capabilities as vity capabilities as well as well as standalonstandalone cliente client

applications.applications.

Integrated customer management and businessIntegrated customer management and business

productivity capabilities provide finished softwareproductivity capabilities provide finished software

services as well as extend the capabilities of theservices as well as extend the capabilities of the

application platform.application platform.

Eliminates need to write infrastructure andEliminates need to write infrastructure and

integration code to develop enterprise solutions.integration code to develop enterprise solutions.

Also enables upgraded functionality from MicrosoftAlso enables upgraded functionality from Microsoft

over time.over time.


Page 51

Device, Security and Device, Security and Access ManagementAccess Management

Employees need to perform their jobs across an expanded range of locations and Employees need to perform their jobs across an expanded range of locations and with anwith an

expanded array of devices; both expanded array of devices; both corporate-issucorporate-issued and personal, Microsoft Windows-based anded and personal, Microsoft Windows-based and

non-Windows. IT organizations in the financial institution need to secure sensitive data andnon-Windows. IT organizations in the financial institution need to secure sensitive data and

provide low cost operations and management. To address this balance, Microsoft feels the bestprovide low cost operations and management. To address this balance, Microsoft feels the best

TCO and highest level of TCO and highest level of information security can be achieved by standardizing on Windows-information security can be achieved by standardizing on Windows-

based devices, applications, security, and management solutions. Microsoft also recognizes thebased devices, applications, security, and management solutions. Microsoft also recognizes the

financial institutions need for financial institutions need for multi-platform device and security management of multi-platform device and security management of non-Windowsnon-Windows

based client devices in-addition based client devices in-addition to Windows devices. Microsoft provides the to Windows devices. Microsoft provides the necessarnecessary strategies,y strategies,capabilities, applications and tools for managing and providing access to corporate resources bycapabilities, applications and tools for managing and providing access to corporate resources by

Windows-based and non-Windows devices.Windows-based and non-Windows devices.

Support forSupport for

new model ofnew model of

interaction withinteraction with

applicationsapplications

In-addition to a traditional keyboard andIn-addition to a traditional keyboard and

mouse for input; touch, gesture, pen/stylus, andmouse for input; touch, gesture, pen/stylus, and

voice have become mainstream inputvoice have become mainstream input

mechanisms and are supported by an extensivemechanisms and are supported by an extensive

set of APIs.set of APIs.

Key Microsoft capabilities include:Key Microsoft capabilities include:

Windows Touch APIWindows Touch API

Gestures APIGestures API

Speech Recognition APISpeech Recognition API

Windows Presentation FoundationWindows Presentation Foundation

Kinect APIKinect API

TellmeTellme

Prebuilt functionality and APIs for rapid applicationPrebuilt functionality and APIs for rapid application

development of applications with Natural Userdevelopment of applications with Natural User

Interfaces.Interfaces.

Build touch-screen Advisory applications for aBuild touch-screen Advisory applications for a

shared experience customer to provide new level ofshared experience customer to provide new level of

transparency and trust in banking processes.transparency and trust in banking processes.

Pen/stylus support supports signature capture toPen/stylus support supports signature capture toreduce paper processing.reduce paper processing.

Requirement Requirement MicrosoftMicrosoft-based -based Capabilities Capabilities Benefit/differenBenefit/differentiatortiator

SupportSupport

multiple devicemultiple device

form factors forform factors for

different use-different use-

cases within thecases within the

financialfinancial

institution.institution.

Microsoft OEM partners provide an array ofMicrosoft OEM partners provide an array of

Windows-based devices and form factors toWindows-based devices and form factors to

fit the range of banking users including;fit the range of banking users including;

roaming and stationary tellers, mobile androaming and stationary tellers, mobile and

branch-basebranch-based advisors, d advisors, analysts, and businessanalysts, and business

leaders.leaders.

Devices are available in a range of formDevices are available in a range of form

factors:factors:

Desktops, laptops, netbook, slates,Desktops, laptops, netbook, slates,

terminals, phones and more.terminals, phones and more.

The benefits of a The benefits of a being able to leverage abeing able to leverage a

common Windows operating environment acrosscommon Windows operating environment across

such a large range of devices includes consistentsuch a large range of devices includes consistent

compatibility, deployment, management, andcompatibility, deployment, management, and

especially security which will ultimately lead toespecially security which will ultimately lead to

lowest overall cost of operations and lowerlowest overall cost of operations and lower

information security risk.information security risk.

Manage &Manage &

secure Windowssecure Windows

and non-and non-

WindowsWindows

devices via onedevices via one

toolset andtoolset and

process.process.

Microsoft provides Windows and non-Microsoft provides Windows and non-

Windows based device managementWindows based device management

including Windows Phone 7, iOS andincluding Windows Phone 7, iOS and

Android.Android.


Exchange ActiveSync policyExchange ActiveSync policy

enforcementenforcement

Advanced Windows deviceAdvanced Windows device

management via System Centermanagement via System Center

Configuration ManagerConfiguration Manager

Active Directory for Digital RightsActive Directory for Digital Rights

ManagementManagement..

Ability to enforce password policies, remote wipe,Ability to enforce password policies, remote wipe,

restore factory image, attachment handling, etc.restore factory image, attachment handling, etc.

Varies by manufacturer and device. For moreVaries by manufacturer and device. For more

information about mobile management capabilitiesinformation about mobile management capabilities

by vendor, refer to this link.by vendor, refer to this link.

http://blogshttp://blogs.technet.co.technet.com/b/jribeiro/arcm/b/jribeiro/archive/2010/0hive/2010/0

8/06/comp8/06/comparison-of-exchanarison-of-exchange-activesyncge-activesync-clients--clients-

windows-phowindows-phone-windowsne-windows-mobile-android-n-mobile-android-nokia-okia-

apple-palm.aspxapple-palm.aspx

http://www.microsoft.com/windows/buy/holiday#fbid=qgfJt6UWe4V





http://technet.microsoft.com/en-us/library/aa998357.aspx




http://www.microsoft.com/en-us/server-cloud/system-center/configuration-manager-features.aspx






http://www.microsoft.com/en-us/server-cloud/information-protection/default.aspx





http://blogs.technet.com/b/jribeiro/archive/2010/08/06/comparison-of-exchange-activesync-clients-windows-phone-windows-mobile-android-nokia-apple-palm.aspx



















Page 52

BitLockerBitLocker

AppLockerAppLocker

Active Directory & Group PolicyActive Directory & Group Policy

Windows Identity FoundationWindows Identity Foundation

Provide accessProvide access

to corporateto corporate

applications andapplications and

informationinformation

while protectingwhile protecting

sensitivesensitive

customer andcustomer and

businessbusiness

informationinformation

Microsoft infrastructure provides policy-basedMicrosoft infrastructure provides policy-based

access to corporate resources dependingaccess to corporate resources depending

upon user, level of trust of the device andupon user, level of trust of the device and

type of information being accessed.type of information being accessed.

Key Microsoft-based application accessKey Microsoft-based application access

capabilitiecapabilities s include:include:

Remote Access via VPN orRemote Access via VPN or

DirectAccessDirectAccess andand Forefront UnifiedForefront Unified

Access GatewayAccess Gateway

Network Access Protection (NAP)Network Access Protection (NAP)

Remote Desktop ServicesRemote Desktop Services

ApplicatioApplication n virtualizationvirtualization

Cloud/web-based applications suchCloud/web-based applications suchas Outlook Web Access and Officeas Outlook Web Access and Office

365.365.

Leverages management and security capabilitiesLeverages management and security capabilities

for both Windows and non-Windows basedfor both Windows and non-Windows based

devices to enable different methods of accessingdevices to enable different methods of accessing

corporate applications and information dependingcorporate applications and information depending

upon the capabilities and security of the device asupon the capabilities and security of the device as

well as the sensitivity of information beingwell as the sensitivity of information being

accessed.accessed.

For example, an unmanaged device may only beFor example, an unmanaged device may only be

allowed access via a remote desktop connection toallowed access via a remote desktop connection to

a corporate device or given access to a web baseda corporate device or given access to a web based

application while, domain-joined devices canapplication while, domain-joined devices can

access corporate resources via these methods andaccess corporate resources via these methods and

additionally allowed remote access via VPN and/oradditionally allowed remote access via VPN and/orDirectAccess with Network Access ProtectionDirectAccess with Network Access Protection

policies via Forefront’s Threat Managementpolicies via Forefront’s Threat Management

Gateway.Gateway.

http://technet.microsoft.com/en-us/library/cc732774.aspx


http://technet.microsoft.com/en-us/library/dd723678(WS.10).aspx




http://www.microsoft.com/en-us/server-cloud/forefront/unified-access-gateway.aspx













Page 53

Deliver well-Deliver well-

performingperforming

applications andapplications and

servicesservices

amongstamongst

varying networkvarying network

conditions andconditions and

costs.costs.

Microsoft Windows is based on SMB 2.1 - anMicrosoft Windows is based on SMB 2.1 - an

evolution of Server Message Block. SMB 2.1evolution of Server Message Block. SMB 2.1

provides caching and compression servicesprovides caching and compression services

for the network to reduce network impact andfor the network to reduce network impact and

increase application performance.increase application performance.


BranchCacheBranchCache

Offline File CachingOffline File Caching

File copy restartFile copy restart

Remote Differential (Network)Remote Differential (Network)

CompressionCompression

DistributeDistributed File d File Services (advancedServices (advanced

replication)replication)

Background Intelligent TransferBackground Intelligent Transfer

ServiceService

Reduce impact on WAN links between BranchReduce impact on WAN links between Branch

offices and offices and DatacenteDatacenters.rs.

Improve application performance across WANImprove application performance across WAN

links; improve task efficiency by reducing wait timelinks; improve task efficiency by reducing wait time

for file for file copy operations.copy operations.


Page 54

Appendix CAppendix C –– Detailed Capability View Detailed Capability View

Figure 31: Microsoft Products mapped to Figure 31: Microsoft Products mapped to Logical Technology ArchitectureLogical Technology Architecture


Page 55

Figure 32: Detailed Capabilities ViewFigure 32: Detailed Capabilities View


Page 56

Figure 32: DetailedFigure 32: Detailed Capabilities View (cont…)Capabilities View (cont…)

NOTE:NOTE: The Service Categories in this document are The Service Categories in this document are derived derived from Microsoft’s Infrastructurefrom Microsoft’s Infrastructure

Optimization (IO) assessment models. The models were developed in-partnership between MicrosoftOptimization (IO) assessment models. The models were developed in-partnership between Microsoft

and the Massachusetts Institute of Technology (MIT), a private research university located inand the Massachusetts Institute of Technology (MIT), a private research university located in

Cambridge, Massachusetts. Cambridge, Massachusetts. For applicability to this architecture document, the For applicability to this architecture document, the models have beenmodels have been

revised.revised.

The optimization models assess IT capabilities for existence in the enterprise as well as the maturity-The optimization models assess IT capabilities for existence in the enterprise as well as the maturity-

level of the IT level of the IT capability.capability.


Page 57

Appendix DAppendix D –– Approach to Mission Critical Architectures Approach to Mission Critical Architectures

One of the key One of the key value points of industry reference architecture is that it value points of industry reference architecture is that it provides a financialprovides a financial

institution with increased predictability and reliability when deploying IT solutions that solve institution with increased predictability and reliability when deploying IT solutions that solve forfor

critical business needs. However, technology capability as it relates to banking architecture is justcritical business needs. However, technology capability as it relates to banking architecture is just

one of the success one of the success factors required for the implementation of highly available mission-criticalfactors required for the implementation of highly available mission-critical

solutions.solutions.

Microsoft believes that there are 5 pillars that require thought, planning, and Microsoft believes that there are 5 pillars that require thought, planning, and resourcing in orderresourcing in order

to achieve the expected results from the implementation of industry reference architectures, asto achieve the expected results from the implementation of industry reference architectures, as

representrepresented in ed in the diagram below.the diagram below.

Figure 33: Mission Critical ApproachFigure 33: Mission Critical Approach

Implementation of a reference architecture model requireImplementation of a reference architecture model requires more than a commitment s more than a commitment toto

technology investment. There must also be buy-in and commitment to technology investment. There must also be buy-in and commitment to change from businesschange from business

groups to whom solutions are delivered. In fact, failure groups to whom solutions are delivered. In fact, failure in any one pillin any one pillar can jeopardize the abilityar can jeopardize the ability

to successfully transform to an agile banking to successfully transform to an agile banking architecturearchitecture..


Page 58

Appendix EAppendix E –– Integrated Security Services Integrated Security Services

Security is always a critical Security is always a critical concern for banks and their customers. Criminals, both external andconcern for banks and their customers. Criminals, both external and

internal are constantly trying to exploit security vulnerabilities to steal money and internal are constantly trying to exploit security vulnerabilities to steal money and valuablevaluable

information. Security challenges today are exacerbated by information. Security challenges today are exacerbated by the increasing volumes of data,the increasing volumes of data,

personal devices finding their way into the enterprise, and sources of security personal devices finding their way into the enterprise, and sources of security informationinformation

including botnets, phishing sites, social including botnets, phishing sites, social networks, portable and internet based storage.networks, portable and internet based storage.

Microsoft believes that there is no single Microsoft believes that there is no single solution for security and that protection is solution for security and that protection is needed atneeded at

multiple layers of the technology stack and multiple layers of the technology stack and throughout the entire IT lifecycle. The multilayeredthroughout the entire IT lifecycle. The multilayered

defense in depth is reflected in defense in depth is reflected in the suite of products that work the suite of products that work in an integrated fashion to in an integrated fashion to provideprovide

and manage security and identity services for the enterprise. As shown in and manage security and identity services for the enterprise. As shown in figure 32, Microsoft’sfigure 32, Microsoft’s

platform provides integrated security, information protection, digital rights management, as wellplatform provides integrated security, information protection, digital rights management, as well

as Identity lifecycle manageas Identity lifecycle management services throughout Microsoft’s ment services throughout Microsoft’s infrastructurinfrastructure, application,e, application,

database, and end users both on-premises and in the public cloud.database, and end users both on-premises and in the public cloud.

Figure 34: Figure 34: Multi-layered SecurityMulti-layered Security –– Defense in Depth Defense in Depth

gg


Page 59

At the foundation At the foundation to Microsoft’s security approach, processes, anto Microsoft’s security approach, processes, and philosophy is the Trustworthyd philosophy is the Trustworthy

Computing Initiative (TWC). This is a process guidance and goComputing Initiative (TWC). This is a process guidance and governance model for softwarevernance model for software

security to implement multi-security to implement multi-layered ‘defense in depth’ security program spanning layered ‘defense in depth’ security program spanning from a Securefrom a Secure

Development Lifecycle (SDL), through all operations, all Development Lifecycle (SDL), through all operations, all the way through the way through to decommissioning. Theto decommissioning. The

TWC initiative is a TWC initiative is a full lifecycle security process that governs all Microsoft products that arefull lifecycle security process that governs all Microsoft products that are

delivered to the marketplace. Additionally the guidance is shared with the public delivered to the marketplace. Additionally the guidance is shared with the public so similarso similar

processes and best practices can processes and best practices can be implemented for banking be implemented for banking enterprise operatenterprise operations.ions.

Results from the National Results from the National Vulnerability Database (NVD) which is maintained by Vulnerability Database (NVD) which is maintained by the Nationalthe National

Institute of Standards and Technology (NIST) exemplify the returns of the TWC iInstitute of Standards and Technology (NIST) exemplify the returns of the TWC initiative innitiative in

Microsoft for the enterprise: SQL Server 2008 R2 had Microsoft for the enterprise: SQL Server 2008 R2 had zero (0) critical vulnerabilities identified inzero (0) critical vulnerabilities identified in

the year 2010. As TWC marks its tenth year and continues into the future, focus will be placed onthe year 2010. As TWC marks its tenth year and continues into the future, focus will be placed on

the new world of the new world of device, data, and cloud services proliferation and everyone has a role to device, data, and cloud services proliferation and everyone has a role to play.play.

For more information about Trustworthy Computing Initiative ‘vFor more information about Trustworthy Computing Initiative ‘v--next’, Secure Developmentnext’, Secure Development

Lifecycle and Lifecycle and Defense-inDefense-in-depth, visit-depth, visit www.microsoft.com/twc.www.microsoft.com/twc.

http://www.microsoft.com/twc



gg


Page 60

Appendix FAppendix F –– Rapid Provisioning with Rapid Provisioning with Cloud ComputingCloud Computing

Financial Services is a highly Financial Services is a highly commoditized industry with rapidly changing regulation making “timecommoditized industry with rapidly changing regulation making “time

to market” a very clto market” a very clear benefit whether it is to ear benefit whether it is to capture a quickly emerging market opportunity orcapture a quickly emerging market opportunity or

to comply with to comply with changing regulations within the industry. As banks focus on changing regulations within the industry. As banks focus on strategic priorities, anstrategic priorities, an

architecture that enables cloud-based business and technology services will architecture that enables cloud-based business and technology services will facilitate the strategicfacilitate the strategic

sourcing of business functions and enable faster delivery of sourcing of business functions and enable faster delivery of business capabilities.business capabilities.

Microsoft cloud computing platform, both public Microsoft cloud computing platform, both public and private, can help address these challenges inand private, can help address these challenges in

ways that have outgrown ways that have outgrown traditional datacenter operations. By providing automated, self servicetraditional datacenter operations. By providing automated, self service

provisioning and elastic scaling capabilities; cloud computing capabilities can be a provisioning and elastic scaling capabilities; cloud computing capabilities can be a key asset tokey asset to

help address time to market for financial institutions. The help address time to market for financial institutions. The traditional process of sizing hardwaretraditional process of sizing hardware

requirementrequirements, software and hardware procurement, setup and tuning, s, software and hardware procurement, setup and tuning, and then ongoingand then ongoing

operationoperations seems to be the Achills seems to be the Achilles heel of “speedy delivery” for any es heel of “speedy delivery” for any technologytechnology-dependent-dependent

business initiative. Delivering businesbusiness initiative. Delivering business results can be a s results can be a lengthy, costly, and hard to lengthy, costly, and hard to expand whenexpand when

needed. Systems for projects are provisioned needed. Systems for projects are provisioned (often purchased) in-advance to handle redundancy(often purchased) in-advance to handle redundancy

and the highest bursts of and the highest bursts of activity that can be expected. Next is the struggle for activity that can be expected. Next is the struggle for developmentdevelopment

systems, lab and datacenter space, heating/cooling, etc. as well systems, lab and datacenter space, heating/cooling, etc. as well as ongoing as ongoing maintenamaintenance. Beforence. Before

delivering any business capabilities, significant time and cost is delivering any business capabilities, significant time and cost is expended in this procurement andexpended in this procurement and

provisioning process. Microsoft’s cloud capabilities on the other hand, whether public, private, orprovisioning process. Microsoft’s cloud capabilities on the other hand, whether public, private, orhybrid provides a distinct value by hybrid provides a distinct value by enabling theenabling the automaticautomatic provisioning of computing services inprovisioning of computing services in

minutes instead of days, weeks, or even months can cut minutes instead of days, weeks, or even months can cut significant time to market for thesignificant time to market for the

solutions.solutions.

Costs are also clearly a Costs are also clearly a factor in initiating new innovation and another clear benefit with factor in initiating new innovation and another clear benefit with cloudcloud

computing. With Microsoft-based private cloud in your datacenter and public cloudcomputing. With Microsoft-based private cloud in your datacenter and public cloud

configurations in Azure, the underlying computing power is designed to configurations in Azure, the underlying computing power is designed to be scaled-out as demandbe scaled-out as demand

requires and this can help limit requires and this can help limit upfront investments and time to provision. In addition to upfront investments and time to provision. In addition to upfrontupfront

costs, the ongoing cost of costs, the ongoing cost of operations for cloud infrastructures is hard to operations for cloud infrastructures is hard to match with typicalmatch with typical

datacenter operadatacenter operations due to tions due to the high-degree of automation and the large set of the high-degree of automation and the large set of computingcomputing

resources which are pooled. Microsoft provides massive, public cloud computing at-scale via resources which are pooled. Microsoft provides massive, public cloud computing at-scale via thethe

Windows Azure platformWindows Azure platform and provides private cloud computing via and provides private cloud computing via Windows and Hyper-v ServerWindows and Hyper-v Server

with automation and management tools that span public cloud, private cloud, and with automation and management tools that span public cloud, private cloud, and traditionaltraditionaldatacenter operations. Microsoft also works with datacenter operations. Microsoft also works with Original Equipment Manufacturers (OEMs) toOriginal Equipment Manufacturers (OEMs) to

provide pre-tuned and pre-provide pre-tuned and pre-configured virtualization ‘applianceconfigured virtualization ‘appliances’ as part of s’ as part of thethe Microsoft PrivateMicrosoft Private

Cloud Fast TrackCloud Fast Track program which is optimized for price program which is optimized for price and performance.and performance.

http://www.windowsazure.com/en-us/home/tour/overview/


http://www.microsoft.com/en-us/server-cloud/private-cloud/hyperv-cloud-fast-track.aspx







gg


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Appendix GAppendix G –– BIAN Service Landscape BIAN Service Landscape

age 6age 6


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"as-is." Information and views expressed in this document, including URL and"as-is." Information and views expressed in this document, including URL and

other Internet Web site references, may change without notice. You bear theother Internet Web site references, may change without notice. You bear the

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