Presentación realizada por Paco Bermejo (Oracle) en el evento "La Noche del Sector Financiero"

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3. La Noche del Sector Financiero
Disrupción Digital en el Sector Financiero
Paco Bermejo, Responsable de Negocio y Arquitectura para el Sector Financiero

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These Fintech Companies Are Defining The New Norm In
Banking
‘Fintech’
Best of Breed Digital First The Millennials Agile
Regulatory Brand equity and Trust
Financial Institutions
Barriers of Entry
Holistic Offers All Channels All Generations Legacy Systems

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Digitization

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Its all about customer experience and moving to a “customer in” perspective
What we hear from the Industry…
“Need to help our distribution channels
sell more by selling smarter”
“Need to have more touch points that are
relevant to the customer without
alienating the distribution channel”
“Need a 360º view of all Customers
across all channels”
“Need to do a better job presenting the
right offer in the right way using all the
channels the customer might use”
“Moving to self service (web) could mean
less opportunity to sell so have to make our
digital interactions more productive”
“We need to leverage our existing IT
investments and incrementally deliver value
to the business ”
“Moving to self service (web) could
mean less opportunity to sell so
have to make our digital interactions
more productive”

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Business Process & Core
system Transformation
Busine
ss
Impact
Duration
• Compliance with Regulations
• Risk & Compliance offerings ex.
Regulatory reporting utility on COTS
platforms, GRC etc.
• Mobility & Analytics driven Integrated Customer Experience
• Co-Innovation Engagement set-up for Agile delivery &
Transformation
Customer Experience
Transformations
Technology
Industrialization • Proactive Obsolescence in Application Support
• Security, Flexibility & Agility with liquid Infrastructure
• Ops + IT Integrated service delivery
Manage Risk &
Compliance
• Core Platform Replacement / Transformation
• Process Reengineering & Automation
Four Degrees of Resonance with FSI’s Digital Objectives

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Old Approach:
Complicated,
Unsustainable
and Expensive

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Driven by Customer Experience, Digitalization should be approached as
Integrated Transformation (Technology + Customer Experience)
INSIGHTS INTO CLIENT PREFERENCES
INVESTMENT IN PREDICTIVE ANALYTICS
CUSTOMER PROFILING
DATA TRANSFORMATION
ADOPTION OF BIG DATA
TECHNOLOGIES
DIGITAL CONTENT MANAGEMENT
SIMPLIFIED, FAST PROCESSES
STP, AUTOMATION, MODULARISED &
MODERNIZED BACK-END SYSTEMS,
LEVERAGE CLOUD
AGILE, COLLABOARTIVE WAYS OF
WORKING
BUSINESS + TECH INTEGRATION, DESIGN
THINKING, TEST-AND-LEARN
REACH – DELIVER THE EXPERIENCE
RE-DESIGN SERVICES, SEAMLESS
EXPERIENCE ACROSS ASSISTED &
NON-ASSISTED CHANNELS
IT FOR THE ENTERPRISE OF THE FUTURE
BUSINESS ALIGNED IT, API BASED
SERVICES, DEVOPS TO NOOPS
INTEGRATED
TRANSFORMATION
CUSTOMER
EXPERIENCE
TRANSFORMATION
Design starts
from outside-in
TECHNOLOGY
MODERNIZATION
Design starts
from inside-out
ADOPT DISRUPTIVE INNOVATIONS
E.G. BLOCKCHAIN, IoT, etc.
ADAPT WITH COMPLEMENTARY INNOVATIONS
E.G. APPLE PAY, GOOGLE WALLET, etc.
FINTECH INNOVATION ECOSYSTEM
CORE
SYSTEMS
DATA
PROCESS
CHANNELS
CUSTOMER
EXPERIENCE

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FI’s have to Fundamentally Change the Way they
Serve Customers
Historically, systems have been
product and account centric
Product Out
But the demand on them is to be truly
customer centric …
Customer In
Digital Engagement
Digital Experience
11
Checking
Product
Definition
Accounting
Eligibility
Channels
Master
Mortgage
Product
Definition
Accounting
Eligibility
Channels
Master
Insurance
Product
Definition
Accounting
Eligibility
Channels
Master

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IT Evolution
UNIX , C Oracle Linux Windows Web HTML OpenSource Mobility IoT BigData
PL/1 IMS Adabas COBOL CICS DB2 MIPS DRDA MSUs

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Smart Rehosting isthe preferred Downsizing option
SMART REHOSTING: Each
functionality in each own
platform
Analytical
Data
CORE
OnlineTransaction
Processing Data
ETLs
Apps
Apps
Apps
Other Data
From Old Downsizing
Initiatives
To

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Big Data Big Opportunities

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What’s New?
Big Data for Customer Insight
• Take advantage of new data sources for
better analytics
• Use data in Oracle Database and Hadoop
simultaneously for unprecedented insight
• Create new analytical use cases using
open tools
• Empower the business with self-service
analytics and IT with a simple, secure and
controllable data provisioning
• Exploit massive compute and affordable
storage for analytics

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Oracle Big Data Reference Architecture
• Capture all your data
• Perform discovery on data
• Develop analytic models across
data warehouse and data
reservoir
• Deploy models based on
streaming data
• Analyze and operationalize
results
Accelerate this Process
Scale to Many Use Cases

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Influence, Grow, and Serve Customers While Delivering a Seamless Experience
Oracle PaaS for Financial Services
360 Customer view
to engage seamlessly
across web, mobile and
branch channels to
provide single view of
bank.
Respond with Agility
altering complex
business processes to
make them customer
centric
Personalize
communications
and deliver
recommendations
based on customer
preferences.
Build solutions faster to
offer innovative services
using rapid cloud
application development
and deployments

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Oracle Cloud Platform
DATA
MANAGEMENT
IT OPERATIONS
MANAGEMENT
IDENTITY
MANAGEMENT
CONTENT &
PROCESS
APPLICATION
DEVELOPMENT
INTEGRATION
MOBILE
BUSINESS
ANALYTICS

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• Integration
• SOA
• API Manager
• Internet of Things
• GoldenGate
INTEGRATION
• Documents
• Social
• Process
• Sites
CONTENT & PROCESS
• Data Visualization
• Business Intelligence
• Big Data Discovery
• Big Data Preparation
• Internet of Things
BUSINESS ANALYTICS
• Mobile
• Integration
• Internet of Things
MOBILE
• Identity
IDENTITY MANAGEMENT
• Application
Performance
Monitoring
• IT Analytics
• Log Analytics
IT OPERATIONS MANAGEMENT
• Database
• NoSQL Database
• Big Data
• Big Data SQL
• Big Data Preparation
• Database Backup
• Exadata
DATA MANAGEMENT
• Java
• Application Container
(Node, Java SE)
• Application Builder
• Developer
• Mobile
APPLICATION DEVELOPMENT

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Dev/Test
With Database Cloud
With Compute & Database Cloud
Migrate existing
workload to the cloud
Sandbox Environment Data Warehousing
Deploy Oracle applications
or non Oracle applications
Back up and DR
to the cloud
Some Typical Data Management Cloud Service Use Cases

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Use Case – Agile Customer 360
• Enhanced customer experience with
360 degree customer view and
Personalization
• Process orchestration across legacy and
cloud based applications
• Consistent view across any channel –
Mobile or Web.
• Adaptive marketing rules to drive
product offers and recommendations to
customers based on profile, interaction
history and recent behaviors
• Speed your rollout to enhance customer
interactions to drive revenues faster
FSICustomer
Oracle PaaS

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Agile Customer 360 using Oracle PaaS
Customer
Mobile
Banking
App
Bank
Call Center
Agent
SaaS – Application
Services
PaaS – API Management
, Agility and Integration
Services
Client Channels
Java
Cloud
Mobile Cloud
Integration
Cloud
SOA Cloud
Process
Cloud
Social Cloud Sales Cloud Marketing Cloud
Core Apps

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Summary
End-to-end solutions to help you in your digital transformation process
End-to-end solution for digital transformation1
Best-in-class approach for use cases like Mobile Banking and
Customer 720
5
Convert Data into value: invest heavily in analyzing data to
establish patterns and un-noticed opportunities
3
Agile and elastic business with most complete Cloud platform4
Offloading evolution with solutions that integrates data
consolidation and informational systems with Big Data
2
$

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