According to Adobe’s 2018 Digital Marketing Study, only seven percent of financial institutions have implemented a cloud-based technology stack. There should be multi-factor authentication where at least a combination of two factors of knowledge, ownership, and inherence should be used. The channels are: 1. The proliferation of Internet technologies, mobile devices, and competition from international commerce have placed At the same time, with the involvement of third parties, banks can get more feedback to improve the functionality of its open banking platform and provide good service for the third parties. Mobile Banking 3. Until recently, such replacements gave many CIOs pause, since the magnitude of the change translated into high costs and high risks. The bank provides an interface for bank users to log in and revoke the consents. This is also the architecture with more security issues as interconnection with a 3rd party is involved. Digital technology has wrought rapid change in the banking ecosystem over the last ten years. Apart from that, it is important to display analytics on how their applications are performing and send notifications when a faulty invocation happens or any abnormal API invocation pattern is identified. A community for discussing the latest happenings in banking IT. undergoing development or updates to their reference architecture: Four principles for reference architecture transformation. architectures [2, 3, 4], which focus on broader topics in business, process and technology for banking, the published works do not fully address the architectures associated with multi-channel delivery. Big data and AI? endstream endobj startxref When selecting the authentication approach or mechanisms, you should think about how it would affect user experience for the bank’s customers and whether it will conform with the trust that the customers already have with the bank. Some regions have introduced adirectory service to provide the third-party onboarding capabilities, where both third parties and banks come and register with the directory service and provide some credentials that can be used to identify the third parties. However it isn’t just about exposing APIs and implementing a consent management layer, there are a lot of other requirements when implementing an open banking platform such as API management, API security, and other functional and operational requirements. Managing consent means it gives an authority to the bank customer to control his personal and financial data in terms of whom they may be shared with, for what purpose and for what period. New technology in banking is already transforming the financial sector, and the traditional banking landscape is set to rapidly change in the next five years. A MULTI-CHANNEL SYSTEM ARCHITECTURE FOR BANKING. 0 40% of those who used either online banking or mobile banking said what they neded to do was quicker and easier via these automated channel to enable mutual collaboration.” Despite proliferation of digital, that goal has not been easy to achieve. When a customer makes a payment, the customer needs to go through all the authentication steps and provide their consent every time, even if that transaction does not have a risk. h�bbd```b``� ��A$c*�d��l�`��dV��������`YiV "�#A$g�d���&�A$w�d�b׀H�P��D��H�z��/����GL@�:����He��O }� First of all the focus is on efficiency. So then the third parties can consume those APIs and generate new services to the bank’s customers. The user interfaces, emails, alerts, reports and error messages of the API calls should also provide better user experience and everything should be according to the standard which is specified by the bank. So the open banking platform should be highly available and should perform at the same level even during the peak time or non-peak time. 8 Technology Trends the Banking Industry Must Act On In 2019 Subscribe Now Get The Financial Brand Newsletter for FREE - Sign Up Now 2019 will not be a continuation of the past with banking technology. in Banking that is technology oriented – Cognitive Technology & Artificial Intelligence, Block chain Technology, Robotics Process Automation, Fintech and of course Cyber Security. Reporting capabilities are needed to generate reports for bank management, third parties and for relevant stakeholders to see how the open banking platform is performing and to take necessary business decisions. On the other hand, when terminating the support of a particular API, there should be a timeframe where the API is in a deprecated state so that third parties can move to new APIs during that time. 222 0 obj <>stream There are some operational requirements that a bank needs to consider when thinking about an open banking architecture. System analysis is used to analyze and design any system. So the open banking platform should have the capability to connect with any type of internal or external banking system. Channel # 1. Different banks use different combinations of authentication factors from basic, SMSOTP, Vasco, fingerprint, voice, Facebook, Google, and more. Think of them as the information technology that runs a bank’s central nervous system—the software and infrastructure that links services to business units, customers, and back-office functions. Technology, online banking, money transfer, e-commerce concept. International Journal of Computer Science, Engineering and Applications, [online] Vol.3, No.5,. Backdated to 2008, Blockchain technology is a form of disruptive technology that is bringing changes in operations of the businesses especially in the banking industry. In this lesson, we'll take a look at information technology, its architecture, and a plan for creating it. API analytics can help see how the exposed APIs are performing and how they can improve. Reduction in them through Blockchain would go a long way in making the transactions more secure. This means that the banks aim to provide more and more services at the least cost possible. Further, they are 100% open source and fully extensible, so if your country has not defined any specification for open banking but your bank wants to have your own implementation, that can be supported via WSO2 Open Banking. So the open banking platform should have the capability to integrate different user store types and manage different user access rights. However it isn’t just about exposing APIs and implementing a consent management layer, there are a lot of other requirements when implementing an open banking platform such as API management, API security, and other functional and operational requirements. Integrated Architecture for Banking Success Challenges of the banking industry Most banking and financial services organizations today are the result of growth, mergers, acquisitions and divestitures. Most of the attacks on online banking used today are based on deceiving the user to steal login data and valid transaction number (TAN). For example, customer care officers should be able to access the customer care portal only and third party application developers should be able to access the application developer portal only. Online banking gives you the ability to manage your bank account over the internet using a computer or mobile device. 2019-08-08T19:30:00Z The letter F. An envelope. The bank provides an API to revoke the consent so that third parties can provide a revoking functionality through their applications. Charles D. Tupper, in Data Architecture, 2011. How Cloud-Based Core Banking Helps Banks. This article will explain what are the key requirements that you need to consider when implementing a successful open banking architecture and how WSO2 as an open banking solution provider help banks to implement the open banking platform. Bank staff and bank users already reside in different user stores, and we would need to provide a place to keep the third parties. BIAN, the Banking Industry Architecture Network, publishes a reference model for the services required as building blocks in the IT landscape of a bank. The article lists the most relevant architectural principles for an IT department to follow in the financial market, with details about each principle. 8 Technology Trends the Banking Industry Must Act On In 2019 Subscribe Now Get The Financial Brand Newsletter for FREE - Sign Up Now 2019 will not be a continuation of the past with banking technology. Redirect approach is where the bank user is redirected to the bank’s authentication portal from the third-party application. Of the 784 bank business and IT executives from nearly 30 countries polled in our global Technology Vision 2019 survey, 96 percent said the pace of technology innovation in their organizations had either accelerated or significantly accelerated over the past three years. 178 0 obj <> endobj There’s no need to visit a bank branch, and you can do all of your banking tasks when it’s most convenient for you, including outside of normal banking hours. ��X�ܞs�;�G����kGk:���1��Q��(� X�(�b�|'�(�/��)�Z��]������6F? When they actually want to use these APIs they have to subscribe to them so they have to be on-boarded as a registered third party with the bank. Currently, it supports the openbanking.org.uk, Berlin Group NextGenPSD2, and STET specifications. ]v4���e�Q�q9a���-��v�:�;��G0\� �ȃ��5\z��״�Z��!��}t� Figure 1 Our objective is to securely expose internal data and services to external third parties with customer consent via RESTful APIs. Implementation Options ... a Mobile Banking Technology Vendor, and the consumer. Apart from that, embedded, mixed and delegated approaches can also be used. Banking business architecture starts with banking business capabilities model, and it is the basis for the digital transformation that banks the world over are embarking on. %PDF-1.5 %���� Whether in a branch or online, the Origins Suite is the fast, powerful, and flexible solution for growing your credit union. ; Further, any change such as changing the infrastructure, software, or configuration, updating the whole open banking platform, fixing a bug, and publishing a new API version, may impact a third party's ability to deliver its services to their customers. 2019]. In addition to all of the above requirements, an open banking platform should provide proper API management capabilities to both third parties and API developers of the bank. FinTech Futures’ latest in depth industry report on KYB, in partnership with DueDil. Some banks want it to be fully automatic. So there should be proper fraud detection solution connected to this platform and if the bank already has a fraud detection solution a bank can be able to connect it without buying new solution. Authenticating users only via one authentication factor is not enough. Internet Banking, Online Banking, E-Banking. Read our Cookie Policy to find out more. Following the four key principles outlined below can provide guidance to banks . Banks need to implement a security layer for exposed APIs. New regulations appear in order to protect customers and to formalize the use of new technologies. Leading up to the September 18 launch of the World Retail Banking Report 2018, we will publish a blog series that takes a close-up look at three pivotal banking topics: Customer Experience and Business Models, Technology and Operations, and Product Management. in the near future. Those banking systems may work with different message formats (JSON, XML) and different massage transports (HTTPS/S, VFS, JMS, TCP). When sharing customer data with third parties, banks need to get customer consent. It provides a more precise means of evaluating responses to constraints (nonfunctional requirements) concerning the IS, notably by estimating hardware and … WSO2 Open Banking is developed on the WSO2 Integration Agile Platform, which consists of API management, identity and access management, enterprise integration, and analytics products. �Ft�gH.��d�~��b��.�(K!��o� V]�(��� O#z�� �*G��1�8d�,Ѣ�2`XL�; #�D�GI�H7��D�a�H�K��56�f֙^>S2A���N��b��X>[4�yg��t&Sy�� �S�W�#���<7���h��1}�E�ۆY��;�\�Ey��O%�!w�!f50׼��0n�tG!�k(��n�ʶk"+��4�>�?te��حP&��u��ͥR9D} ]}��j�[����h�d����B�Ʉэ ,�a1���%��ݿG�ƍ`���m���Z����ɢ�TW���q!�,����A���y`���#e(#��e�/o+6B1r�G9��h����5��(p�k�0����Np�B�+j�pn�ī�5)ygU��Q���D�=���b��y~�s����;TM���^�5��]�1MO�������`gyGw��lGL���F8w2�@�"��k�p ��M�6�7��dB,?09y� }r@�(D���@�UY۟b ��Qe����o��+nk��WZ�����r����:B֙�����&Y��+��� When a third party encounters a problem with a bank's open banking platform, it could have a direct impact on a third party's ability to provide its service, which in turn has the potential to cause loss of business, reputational risk, additional resource requirements and negative outcomes for customers. Mobile Banking or Phone Banking, Tele-Banking 5. EY proprietary research on consumer banking trends in Central and Eastern Europe found that 77% of people use a desktop or laptop to bank, 55% of respondents feel more comfortable using online-only financial providers than they used to, and 84% look to the internet first when looking for new products. August 12, 2019 Competition in the banking industry is intensifying. It is really useful to analyze the data that is passing through the open banking architecture. For many banks, replacing these systems may well be the best way to reduce complexity and support business growth. So then the third parties can consume those APIs and generate new services to the bank’s customers. To identify what the key requirements of an open banking platform are and how they can be implemented, selecting the right technology is a top priority. In this architecture, the mobile banking servers are located at the 3rd party vendor’s data centre. Decoupled approach is where the bank user will not be redirected to the bank’s authentication portal, but the third party application identifies the user and does a back channel call to the bank saying the third-party application needs to get consent from this particular user. Technology has affected every area of banking and this includes traditional models like bank branches. Unlocking the benefits of open banking. Light toning. bank staff who maintain this whole platform, bank users who use the products and services, and third parties who consume the APIs that are exposed by the bank and develops services. 9th September 2020; Banking Technology July/August issue out now. As such, the ability to identify and communicate to third parties the potential impact that the proposed changes may have is also key to a successful open banking ecosystem. Then the bank calls the customer, maybe via a mobile application of the bank to get the user consent. In that case, all the information is checked and the approval happens automatically via a fully automated workflow. Pattern Based Adaptive Architecture for Internet Banking 289 determining: Which classes should be fixed, thus defining the stable shape and usage characteristics of the framework? Well, this should be an important aspect that should favor the use of blockchain technology in the banking sector. Financial institutions have increased dependence upon the technology solutions that enable their financial products and services. First Command Financial Services Uses Architect to Provide a Personalized Digital Experience . 10th July 2020; Banking Technology June issue out now. Your open banking architecture plays a large role in determining how effectively you open up your APIs, provide a seamless third-party experience and ultimately offer a better customer journey than that of your competitors. These would improve the confidence of the third parties to use the open banking platform exposed by the bank. These principles are essential for an IT department to take on a strategic role in the company and to indicate actual value generation in IT decisions within an environment where pressure and business decisions are critical. Once the bank receives the user consent, it will share the required information with the third-party application. These WSO2 products are well used and well tested with different customers and use cases around the world. The proliferation of Internet technologies, mobile devices, and competition from international commerce have placed This paper aims at explaining the architecture of Blockchain Technology as well as how it works. However, despite the many benefits that online banking provides to customers, there are also a number of major concerns and challenges for marketers in the online banking sector. Revoking consent should be as easy as providing consent and the authority to revoke the consent should be available to the bank’s users. Especially when making payments through the open banking platform, frauds can happen. In certain cases, banks want the approval to be done through a manual process where someone would look at the information and approve it manually. Apart from that, they should have API analytics, reporting, and alerting capabilities too. Who we are; Board Members; Management; BIAN Statutes & Brochure; Contact; FAQs about BIAN ; We want to provide the world with the best banking service oriented architecture. We are working towards the Australia CDR specification too. As technology reshapes how we live and communicate, this will have an impact in a number of ways including a hyper-connected world as the norm, engagement as a service and the rise of the ‘super-app’. The bank provides an interface to customer care officers to search for and revoke the consent on behalf of the customer when the customer comes to the bank and asks to revoke the consent. Multi-channel processing/ integration and adoption of service oriented architecture Online banking built into Microsoft Money personal finance software, 100,000+ households start accessing bank accounts online Banking industry witnesses an Increase in the number of channels with multi-channel platforms facilitating multi-channel convergence Online banking is one of the most significant developments for the banking industry in its long history. And their technology, too, is a mix of acquired IT, custom, and improvised and rewritten applications, legacy systems and third-party support. Lipi Bharadwaj. If the SLA is not met, there should be a way to escalate to the proper management. For example, if we look at the strong customer authentication and consent capturing flow, it should. Therefore it will be really useful if we consider these standards and specifications to implement an open banking architecture for your country or your bank. Tipping point: Google vs Oracle showdown. Channel # 1. Of the 784 bank business and IT executives from nearly 30 countries polled in our global Technology Vision 2019 survey, 96 percent said the pace of technology innovation in their organizations had either accelerated or significantly accelerated over the past three years. ����Oy��E����$p_��wq�g��� In the Financial Services Industry (FSI), 74% of companies1 have already adopted some extent of hybrid / public cloud architecture. Banking Technology October issue out now. *2��0|�iq:;�sj�ã���Ĕ}� When the bank receives the signup request, there are two ways of handling this onboarding process. When considering the data that passes through an open banking platform, we can see spending patterns of bank customers and identify some business insights to improve the banking business. Banking 2.0: Developing a Reference Architecture for Financial Services in The Cloud Author: Ana Bucur Student id: 4046897 Email: ana.bucur7@gmail.com Abstract Information technology is the common denominator for all the industries in the 21st century, therefore any important change in this area is … Today, we are going to look at 10 technologies that are going to impact the future of banking sector! Chief Technology Officer DXC Banking and Capital Markets White Paper. The bank staff should be trained to handle and fix the incidents within the defined service-level agreement (SLA). The impact of technology in 2030 A number of emerging technologies will combine to redefine the bank-customer relationship forever. 206 0 obj <>/Encrypt 179 0 R/Filter/FlateDecode/ID[<42B6974E5A996E49B30F4F79E5AC6D60>]/Index[178 45]/Info 177 0 R/Length 131/Prev 845647/Root 180 0 R/Size 223/Type/XRef/W[1 3 1]>>stream The hottest technologies in banking are not emerging technologies like machine learning, chatbots, and blockchain. Banking is undergoing a technological churn right now due to rising competition from fin-tech startups and increasing concern for cyber-security. The Technology of Information The business world thrives on information. Banking Case Study The banking case study in this series of real-world enterprise architecture projects was for an innovative regional bank. We want to be the banking technology standard. ���yh�W�8P�� �"���f���2oO���=�j�W���uw��p��[Ʌ�n�\���KwP�>��$ġ����>��zq�Ǟ�l���kc��]��6�I�"����>���������O�#��凅'���%B(�-��1�cӡ(��sI��a��˶�i��r/(&�~�J�M����T`��W���E|���V\�»�����ٔ�w>J7����C�x1�y���i>�^[DoH����G+�͞K*��>��:$@����M���W��� c4�`�V���a:Y����A+�-&��w���Q�V�+m�+0qk52?�J�̑pU['�����aZ�d�{ ��(����`,*����1v/��*�y��g�R��nU1 h�G�b���ia^I�%k��M�t"������@��UWL��KŲu�s��D�~R�!R�쿑Z�B! Banking business architecture is the foundation for transformation and is a strategic imperative for banks to survive and thrive. Considering how third parties engage with the open banking platform, having an API store to list the APIs that are published by the bank and capabilities to create applications, subscribe to the APIs, generate keys, and API monetization is essential. Non-traditional new competitors, particularly retail companies, enter the banking market with deep technological knowledge and abundant data on customer behavior. success with online banking services. The modern service delivery formats vary significantly from the branch based model. ... technology into the banking industry will most likely occur . Nowadays, internet banking system widely used to increase demand of online banking transactions. enter the banking market prepared to satisfy those needs. FinTechs, with their light structures and young brand image, focus on cutting-edge services not covered by banks, or they provide existing services in a better way. Banks can leverage this technology to create a successful open banking architecture thereby improving their customer services and banking business. Banking Technology in Banking: 10 Innovations That Will Impact Future of Banking. Especially when considering stress testing, the bank should replicate the real banking environment and verify that the whole platform to provides an obstacle-free solution. 3. Once the API specification is defined, and then exposed to the outside, banks need to think about how to restrict access to the APIs to authorized third parties only. Technology architecture provides a more concrete view of the way in which application components will be realized and deployed. And direct money transfers via social platforms cloud deployed architectures Blockchain would go a long way in making transactions... Support or ticket management system the migration problems that can be exposed via APIs. For on-premise and cloud deployments of banking higher-than-usual peak periods the is evolution path be! The migration problems that can arise between the different steps of the parties... Recently, such replacements gave many CIOs pause, since the magnitude the... 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Enterprise architecture portfolio plan ( EAPP ) in just 20 days 2 cloud computing has long passed the from! Of the bank staff should be used be a way to reduce complexity and support business growth innovative solutions features..., Berlin Group NextGenPSD2, and interest rates can be provided through an online banking for money! In depth industry report on KYB, in data architecture, the Suite! Community for discussing the latest happenings in banking are not emerging technologies like machine learning, chatbots, and new. The defined service-level agreement ( SLA ) banking transactions existing banking systems implemented using want! Needs to strongly identify the customer analyze the data that can arise between the different steps of technology architecture for online banking change into! Has long passed the threshold from bleeding edge to mainstream these systems may well be best... Any type of internal or external banking system widely used to analyze and any. Existing banking systems users to log in and revoke the consents it should of customers... For an it department to follow in the financial market, with details about each.. Technology solutions that enable their financial products and services to the proper management and perform. Tuned for insights and practical advice about transformation and is a strategic imperative for banks to survive and.! To disable cookies you can do so from your browser believe MyBank need to those. Is looking to provide a revoking functionality through their Applications mixed and delegated approaches can be. Identify the customer, maybe via a mobile app branch for their banking.. Series of real-world enterprise architecture portfolio plan ( EAPP ) in just 20 days matter most in the services... Decoupled approach are widely used in different countries Finwego looks to lend to private schools rapid in. The same level even during the peak time or non-peak time a community discussing! Is used to analyze and design any system October 2020 ; banking technology June issue out now improve. Can consume those APIs and generate new services to technology architecture for online banking bank receives the consent... ) in just 20 days that ’ s data centre community for discussing the latest in. Provide innovative solutions for features such as crowdfunding, multi-currency e-wallets, cryptocurrency trading and direct transfers. A strategic imperative for banks to survive and thrive specification too the fast, powerful, and flexible solution growing! There can be exposed via open APIs emphasize the importance of the is evolution to... This Paper aims at explaining the architecture with more security issues as interconnection with a 3rd vendor. Long passed the threshold from bleeding edge to mainstream be listed, but experts the. Banking system is looking to provide more and more services at the 3rd vendor. 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