Industry sign banking mississippi presentation mobile
bootiful group the goal bought a ship was to really be able to enable mobile banking concept is to act as a lot of people who don't want to walk into a branch to actually go into a bank alternate to avail until availab banking facilities so somehow the goal was to be able to allow people to use their mobile phones to send and receive payments and perform banking operations so to do that the part that waterfall and created the global banking product obviously given the fact that you can have million subscribers joining in if this could be created successful a launch or the successful set of product it could be a game-changer for civil by traffic there's a bit alone that's what was I to give you a quick idea of result the batch system 17 billion subscribers Safaricom subscribers that was the potential market for CBA so the challenge the challenge was to launch the product as quickly as possible the idea was was generated in June July of last year the most emotion three to five weeks some rate of conceptualization which is typically looks feeling difficult and challenging tasks because to integrate mobile by mobile source platform with equal banking solutions not a particularly trivial task so we obviously the goal was to limit need to walk into a branch so where were you on the rover have sold via the channel part of the country it is remote area you can still available in facilities and the idea was to integrate core banking system mr. Morales teach me tour with the mobile banking platform in addition to to others towards the Safaricom products especially so the idea was to perform this integration and now at the same time the goal was to streamline that the bank's Antonio Corps barracks me integration of integration processes rather than having point-to-point integrations where they were specifically programmed interfaces the idea was to create a sort of box type architecture with their price service stars so that your application specific plug-in system right obviously TARDIS involves as all emerging significant five verse 12 and consulting efforts artists can obviously a large mobile users swallow the solution the bank chose fear honor is being as platform us to conduct you in few survey and the system has a peer-to-peer architecture which allowable and scalability velocity will cover later the core concept behind education was expose the mobile system via web services and then to integrate 5024 users here on a platform and have two lower level messages of the foundation we've done is synchronously over the fear honor in to message messages of service employment impact all asynchronous messaging offers several benefits over programs synchronous interfaces including scalability linear scalability and things so the cue cards services silkiness to provide the needed response where you have to wait until you get response and relatively responsive three in a few seconds and Alicia could have sort of fraud service flow where it's a fire-and-forget to spend to make a shelf and tell me it gets processed and out into the chopper destinations redacted area where the Amano has been a pioneer for 15 years and the Fiona ESB is a fully synchronous distributed backbone and it's important to understand that you can build synchronous flows and toplessness interests days but don't they ever been around and this is one of the key reasons why education is very expensive it is limited edition touch phones essentially have a synchronous core and the time to do a synchronous welcome traffic geyser speech is very very challenging you need to give you a pictorial product representation you have to sorry calm on the left all kinds of operations that people want to perform like deposits giving a cupcake pans activations gel applications etc it's all perfectly done over the mobile thing essentially all of these operations that expose those web services and then the funeral so every platform against team manages these service flows in processes and performs the required operations to communicate with a pillow store banking platform today the whole job done so why did Celia choose the product number one quick launch it was that the launch was actually performed believe it or not in five weeks and the deliver extra testing effort that essentially bye-bye after where the process was introduction 4th November and then the whole conceptualization was enormous of the so quickly the integration processes were built very very quickly it's typically Hospital gamers half the time that was the typical measure so the amount of time that it came took to get the job done was significantly lower is the fourth percentile they're even consulting effort most of you will understand that the biggest issue in the integration is the amount of work that needs to be done any product in the job done affiliate questions how much time you spend in getting a job done and how much you lose behind its job done so this doesn't mean that there's no services work when the fear on a platform of use or it means that for the same budget you can get four times the amount of work done so the productivity level go log higher it's a real recording environment and there are api's and interfaces and control based interfaces if that unavailable as people want to get into the details but essentially also contains a prebuilt and you drag drop and select systems to treat flow velocities and that's why the job was completed in less than 5 we tune the actual flow developed only took two weeks three weeks of spent on testing actually ten Lords sir actually has created 224 in and out of the answers to the fear on platforms so those are available the system scales very easily sometimes the numbering users goes out the system will simply scaled in in in fact the goggles it's a free quiz architecture the system doesn't even have to drop down to add more capacity it's sort of for domestic scalability like liquor like a cloud sample situation the interfaces there is usually too easy and the system can handle lab or significant remote transactions in this particular situation the number of messages there is no other very very little bit and the system scales very very easily to a number that's well beyond that so what is the result the comment fix yourself the others and critical node limited musicianship which we've been able to dole out a celeriac product and having the unexpectedly large volume of transactions and data result exceeded expectations of Australia days there were rows with billion clear shilling the transactions within the first month after the launch so there we are it's it was essentially a very very successful email to a very successful integration effort and you can overall in fairly successful business as a next step the CBA is looking to expand the process to other countries using the plunger in the same platform or obviously and with that that just just a recap that the big advantage here was the speed of wished integration is done it was almost completely in bug-free the reserve they're treating suggesting it was production ready and Costas gave a gel gun Belarus electornic original estimates you can find in the six six months of of several programmers and job was done by super there was less than five weeks just to give an idea of the productivity once again if you were the consulting company the doesn't mean you need to get a little worried all it means is that all it means is that you've got to you get a lot more productivity so that's I'm going to pass the ball on go to through joint lessons yeah I wish I can go ahead and toss the ball until trust me to please you have to boil down thank you yeah thank you very much Abhishek thank you so my name is John Cervenka I am the chief Enterprise Architect for terminal and we are a banking software so we provide the banking capability that CB a 10-year uses to satisfy the M soiree m-pesa to request the X life we have the next slide let's go to the mouth of a German stairs go to next page is a social for bellover okay so I can find it yes so where's the next slide arrow there if you just mouse over the box comes up from the top Syst shoulders fall out over there Red John you just click on the slide and then press it but play the spacebar okay okay that's good attacks sorry Lola yeah how to space bother so when we install our application before banking at the bank as typically about 40 percent of the implementation effort now is involved in doing the interfacing so whereas when we first started installing the software it would be five or six interfaces were now at fifty or sixty interfaces and for some of the bigger banks were talking about 300 interfaces to the feeds of the core banking platform so a very large part of the implementation of the banking platform is interfacing so two years ago we started on a new approach to integration where instead of doing data extract for them today we would use a real-time messaging for doing the integration between t24 response and we knew we'd need a partner for the out-of-the-box solution and we chose Burano to be that partner so although we do support IBM Oracle and Microsoft platform for our out-of-the-box platform and the solution we recommend to customers who have no other preference we chose the for our native solution so the integration challenges are about what we call the semantics of the of the of the integration so if we send a message from T 24 to the m-pesa gateway the problem that the integration consultants also has is mainly about making sure that the right part of the T 24 message goes to the right part of VMs their interface and that is a semantic problem and that that is the problem of incompatible data formats of the source and target but also financial transactions don't usually go to just one place they have side effects and multiple different parts of the bank so being able to send the message to more than one place in more than one format is also very important and those are both problems that are solved by this approach that we took with CDA Kenya and the furanose solution let's say a little bit about terminal we are we've been around for since 1993 we are the leading core banking software vendor in the world we are in the leading quadrant in Garten and in the Forrester wave and IDs have declared us to be the leading banking solution for hazard server for over 10 years what we're very proud of is that banks that use our software have a lower cost to income ratio and are more profitable than their peers so using our banking software makes banks more profitable and that's because banks typically spend up to 20% of that on top on IT so what we are in the business of making bank more profitable I mentioned before that we started two years ago with developing the integration framework so this is an event-driven approach to integration the idea is that a business transaction is a business event and that can be represented as a message so our integration framework is about presenting those events as they occur to the Burano enterprise service path so that the stronger Enterprise Service bus can transform them and route them to all the destination of those messages need to go through so that supports the many-to-many integration between at different aspects of the bank's information system because we're doing this in near real-time it means that the system can react to change the bank overall information system can react to change immediately not wait to end applying and because we're doing all this data movement during the day not at the end of day we greatly increase the flexibility and reduce the cost of running the bank so but going from an end-of-day approach to a near real-time approach using asynchronous messaging with Burano increases efficiency reduces cross part and greatly improves flexibility as Axl mentioned before the essential aspect of this is that we've written with Fiorano a specific t24 adapter so the t24 adapter runs both it's design time and that run time at design time the 2:24 adapter can introspect the 324th system and pick up all the interfaces available from that system so the user can search g24 at design time find the event or system interface they want and then we download to Furano the XS steam describing that interface so that can either be an event a message that's sent in when when a transaction occurs or for getting stuff out of 2:24 from in triggers or it can be an interface where you put something into T 24 or get more information and all of that is available through the custom adapter and they're the only way to get that the introspection is through the custom adapter but then at runtime the adapter poles our event table and can pick up new events and send development and send messages to our other systems a India real-time shortly after the events have occurred so that's the way that we notify external systems of business events of occurring T 24 as this works as at all said both ways we can pull T 24 for events and we can also be triggered by an external event and use that to put an event into T 24 the business events from starting to 25 or and go out to m-pesa or they can start in and tap that and come in to see 24 and 50 closest resolve asynchronous it's extremely scalable it's the business events were synchronous this wouldn't scale nearly as well and that turned out to be crucial because the CPA Kenya found that the take-up of their offering was about five times greater than they expected if we hadn't scaled well we would have been a bottleneck and that would have stopped the service growing as it was we didn't spot the service growing and the middleware scaled beautifully up to millions of messages a day so if in short it would have been impossible for CBA to have implemented this interface and the timescales they wanted and had they not implemented them the timescales they wanted they would probably have missed the boat and becoming the de facto provider of these services in Kenya and so the CIO at CBA told me that without this partnership with between seminars on Fiorano she thinks the integration that the whole service would have been impossible to launch so reducing the time the integration time by an 80% fit almost beside the point so this was the difference between being to face being feasible or not feasible this slide is a diagram of how the integration works so the red bit in the middle is our product t24 and when a transaction commits which is item one in the middle you can see that we update an interface table with the event at this point we can run a flow to put any significant data into the event so for example if you need to know the balances at the time of the transaction we can put those into the event by lizard all done as part of the business transaction so how do you get a consistent snapshot of data at the time of the event we offer two possibilities for getting the events out of the interface table on the Left 2a is an event delivery service and that is for banks that don't have a custom adapter on the right to be is the way we work with Burano where we've written a custom adapter and the adapter pulls the interface table so that means that a flow is triggered in Cyrano and that flow is given the data from the interface table and that's all about without any code that's all done obviously so they made flow runs in the Furano middleware that can forms the message and routes it to the appropriate destination so that's a table of three stages stage one transaction commit and triggers are an event in the interface table to the store an adapter picks up that event and triggers a flow and free that flow runs in pure RNA ESB and sends a message to another destination or one or more destination so the partnership of T 24 and our integration framework with the Furano middle provides a seamless tote reintegration for our customers and furanose customers we have an out-of-the-box integration solution which offers extremely attractive our capability to the banks far vastly exceeding the capability we offered them before we had the inspiration framework and before we had a partnership as important of the product is the deal so we offer extremely flexible commercial offering commercial terms to the bank and making it possible then to do integration at much l
wer cost and as we proved at CBA the team sets up between CBA seminars and Fiorano developed the solution in record time but with great reliability great quality and we had turned off extremely happy with our partnership of furanose for integration so I'm not going to hand back over to Apple will take you through why why Fiorano so the asynchronous platform so just to go over some of the main issues and benefits again the key the key aspect is not just the East into the stage of fear on a platform but also the fact that it's said it's built on a peer-to-peer architecture that scaled very linearly so you can add computational resources very easily these systems have a hub-and-spoke architecture and if you want to scare me you need to add another photoshop which is a very expensive proposition so the peer-to-peer latest platform makes a significant difference just to go with some of pain simply technical features they the interface to just a single interface so the learning curve is very shallow it is wide but it is quite shallow there are full audit trails among many other technical features to support the guarantee that is delivering code syncadapters we've already gone over the scalability benefits etc perhaps what if the system much more a child for mobile integration there is there is a comprehensive set of adaptors for financial systems stuff sex slaves etc the real time is full of batch processing adaptors to other little web platform such as beneficiaries and even could go significant security for the columns of location so that you have a very secure especially in a b2b context your honor that the new b2b platform as well and error handling so there are lots of technical features it's read show can be discussed offline actually for interest of our website so what you do Furano you can bring you channel up very quickly launch new products quickly which is the whole idea together to get competitive advantage business managers can actually get a view of the business strategies and while they may not able to order them themselves it's very easy for them to understand what the process does and to make changes by suggesting changes to their technical people customization is very very easy and quick you can change one part of your integration system without affecting other running parts because of the air circulation system a market the next generation of surfers are in solution shell association holiness into score now although and the old vendors are going to claim that the canoe race interest computing the fact is that the core tools are very centrist so to get a synchronicity into their systems you have to spend a tremendous amount of effort so grabbing it with each time because the systems don't support their synchronicity natively they just give you a JMS sell even further there we can stretch so there's a global product and look the same from an interface standpoint they are not totally the same this is very important to understand so you can scale there and then most important point is specially in the banking world as you add more users you're going to have to scale very linearly and I can only happen with this innovation can this PS be a platform just to give you a very quick overview overview for your model look up the Islamic 95 and 95 and run for a while a product code are significantly tested and very mature California company with a global presence and has helped to many eating ducks in a big pack or back especially to you some of the examples of the institutions of use Furano and I think that with that you can open it up to questions as this year ago a copy of CD is now online and they'll be available to answer questions about the bank's implementation so I believe Abhishek we can open it up for questions now yes the answer would you like to say a couple of words before we open up the Q&A session um yes good day to everyone my name is painful I've got tool and double-click as I mentioned I would like to apologize I say you for joining this location later other Beach over challenged by joining the call this presentation was prepared with the fear and my daughter in mind and I will be able to take some of your questions during the Q&A session thank you ok you can all type in your questions at the Q&A box available bottom right-hand side of your screen I can see that some of you have already typed on the question I will read each question dolls and respective travelers will answer thank you the first question is then what are the key differentiators of Shira knows maybe the other vendor suppose you'd like to talk about this question one of the vehicle is they use the platform rather relevant you never talked about here the order the sort of us yes I think for us it's been mentioned I believe by a tool under John as well the main differentiator is actually the ease-of-use and enabling code lives integration we were able to apply to a nonlinear environment in a relatively short time and although this tool had been recommended to us by criminal our developers were able to get up to stream quickly and be able to do the developments and in the short timeframe that we had the other thing is which I would say is a big differentiator for Furano Islam these are there was a lot of help that we got from the Purana themself with an architect on site which I think if we had them we would have trouble with the other vendors because we will use other integration platform before and the help you get from the vendor they're not that easy Thank You sheriff the next question is how easily generally updates already existing is saying without constructing operation or the bank John I think you'll get this person to answer this okay so I think there are two different cases here one cases where you already have event-driven architecture and you want to move from one middleware technology to another and I think that's relatively straightforward so long as you've isolate at the endpoints crossly if you which is always the best practice of fact the second case is where you are moving from doing your educators at the end of day to doing them in year real-time so in that case you have to develop the new interfaces and decommission these the old one and I think this is much more compelling because you accrue all these benefits that we mentioned during the call you get near real-time and sort of happy to wait for the next day you get the ability to fan out unless it's multiple destinations so you do much less work and you reduce your clothes of business processing so you give yourself back time at end the day for getting your clothes business stuff but so I think it is very easy to move from written end of day batch interfaces to near real time aceing participators I think moving from one DFT to another is a bigger problem and has less benefit so you don't need to do that if there was a compelling reason thank you John Sullivan next question is is this visual for students in the visual on creation like drag-and-drop yes of it is very much so always happens not only that but the visual configurations and all systems will give you visual integration but fear others visual confirmation is can natively asynchronous that means that when I connect one object on the screen to the other that connection of the nation for this message queue automatically the loose synchronous centralite a server with some kind of depth in fact language and doing all sorts of weird things it's just message here because if you remember that ultimately your services should be only does it for you and all that's on the fly the next a massive difference that space once you understand that you realize additional difference unfortunately when you're looking at other ESP the film target cell you can draw I need to be against that religious view it isn't this is the whole point you look at difference in an adult is that I will do something very different this dogs and 70 run oh this is a very critical and important point to understand the semantics of the arrows when they are sent to nuts Beauty e-l style severe impacts the result in a very difficult synchronous integration it's a tremendous amount of time to debug and that's why integration that fits their pumps with 50 programmers that's the problem thank yourself let's move on to the next question orders but as our bank is trying to implement our mobile doesn't mean that we go requires some kind of little rest what is the intricate implication of this middle-earth or on the hardware requirement John so yes if you do asynchronous message passing during the day you will need to install some extra middleware which is the pure are no ESB but but the amount of work you do in total will probably go down because what happens when you run Furano is as soon as the event occurs the event table is updated and then fear I may just repeat the message if instead you run a close of business process then you may find that you're reading the database time and time again to the same information for different point-to-point interfaces so I believe that overall you do more work doing the batch end of day interfaces so the overall hardware requirement is greater during the interfaces the old wave is doing it the Furano way but of course that's what we're doing is with having a more efficient in it into overall system but were you doing that by having more intelligent software so in pay for the Burano ESD and its support by but that of resulting you having an overall action and the amount of processing you through in total thanks John I think there's another question for you does it have a library or c24 API and can take ten days for these asbestosis yes it's the answer so that's what the way it works is that when you bring up the Burano design tool which is richness to run in a clip the the design tool uses the adapter to go to the t24 system and list all the available interfaces for those that said interfaces include all the events it configures they include all the versions and inquiries that you've configured all the applications that we spied and their interfaces all the components the food supply and all the batch jobs tsa services that are being configured so every single interface determinar d24 is exposed via that introspection so you can add new versions you can add new inquiries you can add new services and you can introduce your own components even they will always turn up dynamically with that intersection that now there is tomorrow's web services available so you can turn any version or inquiry into uttermost web service but if you use if you turn off web services the raw of web service as that all describe use Burano you can expose any t24 interface as a web service through furanose and you can use the furanose flows to enrich those out those web services so you have a choice where web service integrative or ebook use TWX or use for your honor but for event-driven you your honor is the emulation a see how the PSP thank judge you have a lot of questions flow so the necessary laws of the next question is afforded police plug-and-play torpedo a fault or does it require some customization or the t24 information shark slug of work absolutely plug and play the next question is if your solution viewed as replacement for 3 2014 work outward delivering module and insert the unlock plan to decompose delivery from related modules okay that's right that's a very good question so delivery is specific to payment formats like Swift unify and ISO 85-83 and we have an intention of replacing delivery with the integration framework by supporting those interfaces in our model Bank using our tirana so the aim is yes replace delivery with furanose or for the IBM Microsoft and IBM DSB in the future but that work is not yet been done we're still working on that in model banks thanks John next question will be easier solution viewers as replacement 40:24 sites that we already did that so the next question is and the 15-time is said to be only three weeks what kind of steps did you do to be able to satisfy that it is ok Goliath if you have multiple products sporting types defined is there a possibility of searching launching a particular for you want to the political product one and then continue introducing products and doing testing okay um I think I shall read a question again stupid so probably started as fast one yeah the products that we eat in the first phase will the simple product there are about six web service operations that's about two corresponding operation we t-54 so with that and leave this version vintage 84 had already been tested and actually dual had touched on this before when he was talking of tws we have the option of going with PWS but the interface in terms of the web service definition language with you that was agreed between ourselves and our partner was very it was a fit within the tws framework so we were modeling changing how the services are exposed and other than the internal functionality within t24 so I think that answers the question in terms of testing the tests were all related to the new exposed web services rather than the core functionalities within t24 now to answer the second part we actually are continue to add more product service today's web service and first and we speak we are currently doing the second phase of development of the product and this will still be delivered to both your ESP thank you sister next question is this could you please answer if there is any fear loss solution for mobile banking fear rather is the integration platform so Fiorello can be used integrate an existing mobile banking solution rich in core banking platform typically the integration points are web services all is really the utilities keepers in any programs it could be a file to be a web service it could be an API yunano provides multiple options for integration and multiple interfaces you can write an interface custom directly interface in Java C C++ or C sharp or even a script and connect systems together so Fiorano does not by itself offer a mobile solution or mobile banking solution where the core functionality but we can integrate any mobile banking solution with a Comanche - thank you sir and looks like we are almost filled towards the end of the session except for one lasted how can one sponsor the piano to be implementing the solution in West Africa we have a king that works the very best Africa's very active region for us so the ideas simply get in touch with the scheme and for that expect to get in touch with the new services up C of Allah we understand what the option here whether you're looking at the bedroom whether the poet the person action especially the end user or demo or author and there are options for all three but it is a very key area of campus for your honor whether it is all of Africa and then most Africa definitely is in the corporate concern in this very fast-growing bulwark thank you sir thank you all for your question I know we might have missed some questions unfortunately we're running out of time or sales representatives will get in touch with you 40% vacation alternatively you can also email or send additional questions ready publish a publisher is the day you can address everybody and get back to your age 11 to the pressure point okay yes we can do that too all right all right I'm still attending and making the successful thank you first George predecessor think of pipe everybody thank you you you
