Tài liệu T24 – Giải pháp ngân hàng trung tâm thế hệ mới đối với phát triển bền vững - New Generation Core Banking System For Sustained Growth pdf

New Generation Core Banking
System For Sustained Growth
A Solution with Temenos T24
Nguyễn Hướng Minh
Deputy Director
Center for Technology based Product Development and Application
Techcombank
Scenarios
•
Vietnam economy continues to have high rate of
growth
–
increasing consumer income and spends
–
Booming Banking Services
•
Consumers have become more demanding,
sophisticated and less loyal
•
Way given to multilateral arrangements between
bank, customers, distributors and other parties
–
Banks being forced to share more revenue with third
party distributors
•
Increasing regulatory and compliance
requirements by the State Bank (SBV)
Banks Towards Customer Centric
•
Most retail Banks whilst claiming to be customer
oriented continue to structurally operate in

product centric model
•
This structure constrains Bank’s to view
Customer relationships panoramically, resulting
in fragmentation of Customer relationships
•
Inability to provide consistent customer
experience and inability to meet increasing
aspirational needs of customers
Implications for Business
•
New Business Models, delivery channels
and newer services are pushing Banks
operating on legacy systems to upgrade
/replace their Core Banking Systems
•
The Alternatives to this are
–
Inability to respond rapidly to changes in
market place
–
Higher Costs of operations resulting in being
priced out of market and hence diminishing
market share
Weave Business and
IT Strategies Together
IT strategies flow from bank strategic intent
Sample Business Needs
•
Develop new products quickly and

reduce time to market
• Enhance customer satisfaction by
enabling 24*7 banking
• Improved servicing for customer
transactions
• Reduce costs and drive economies
of scale through shared best
practice
Align Core System Strategies to
Business Imperatives
Sample IT Implications
•
Systems must be flexible to provide
for parameterization by which new
products /services can be added
without major modifications
•
Provide range of offering on alternate
channels –Internet , ATM’s , mobile
banking etc
•
On Line STP with automated
exception handling
•
Robust and scalable systems
enabling huge amounts of
transaction processing
Customer Centric Operating Model
Approach to
Core Banking System Upgrade

•
Use the opportunity to transform the
Business rather than just replicate legacy
•
A Core Banking Project is a Business
Project which is enterprise wide with
Technology being an enabler to help
Business achieve the benefits it seeks
•
Do not attempt to build a core banking
system !!!
Selection Evaluation Criteria
•
Vendor / Partner track record and
expertise
•
Technology Platform
–
Open Architecture
–
Integration flexibility with in house and third
party
–
Scalability and future proof
–
Application security
•
Functionality “fit “/richness
Temenos – A Company Profile
•

Number of Clients
500+ institutions, 600+ live locations
Providers
•
Reactive
• Task orientation
•
Short term
Temenos
Vendor being a solution partner
Partners
•
Proactive
•
Solution orientation
•
Long term
T24 Core Banking System
–
Open Standards
•
Open platform
•
Open database
•
Open J2EE application server
–
Integrated
•
Customer relationship

management (CRM)
•
Centralized common processes
•
Consolidated Global Customer
View (Know Your Customer)
•
Centralized Risk Management
–
Parameter Driven
•
User Customizable -
Independent of supplier
•
Rapid time to market
–
“Best of Breed” Practices
•
Decades of banking experience
backing core applications &
processes
–
Mission critical
•
24 * 7 * 365
•
No End of Day Batch processing
–
Investment protection
•

Development philosophy - upgrade
policy
•
Long term strategy
BusinessIT
Operations
Customer
TEMENOS T24 as
Enabler of Growth and Efficiency
Operational excellence
Business agility
Customer choice
and retention
Elimination of batch
Reduction of cost
of HW infrastructure
Reduction of
risk & reg. compliance
Systems consolidation
and standardisation
Efficient business
pipeline management
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Techcombank Upgrades to T24R5
Project Milestones
•
Undertaken in October 2005
•
Non stop capabilities & Multi –Server
modules achieved
•
Project completed in 8 weeks
Before
•
Single Server
Architecture

•
End of Day Batch
Window
•
Performance Limits
Reached
•
Multi-company
•
LD/ PD
Techcombank “before” and “after”
T24 Upgrade
After
•
Multi-server
Architecture
•
Non-stop Processing
•
Improved Performance
Enabling Growth
•
Multi- book
•
AZ
T24 Upgrade - Benefits derived for
Techcombank
•
Increased ROIs
–

Develop new products and services at ease
–
Enable bank to concentrate on ideas and marketing while
T24 take care of the rest.
•
Reducing Costs
–
Improved efficiency in real-time processing results in lower
costs
–
Manual processes and paper flows are reduced by
increasing computerized information
•
Improving Productivity
–
All modules are integrated
–
Front, middle and back office operations are fully supported
–
Timely information are provided
Thank you!