FSI - Digital Transformation.pdf

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1/28/2021 1
Mobile Intelligent Bank
January 2021
Youssef Boukari : CTO - Solution Director
Huawei EBG North Africa
FSIDigital
Transformation

2
Industry Trends in
Mobile Intelligent
Internet Era
1 2
Huawei Solutions
3
IT Innovation
Accelerates Mobile
Intelligent Bank
Transformation
Agenda

3
Banking 2025 - Four pillars of the digital-first bank

4
Top Banking Industry Challenges in 2020
Banking
Challenge
s
Digital transformation
Data and analytics
Artificial intelligence
Cybersecurity
Global trends
Consumer expectations
Regulatory pressure
Tax planning
Blockchain & Fintech
Cost containment
RegTech Deal Sizes
Source: PWC - Top financial services issues

5
Customer
centricity
Capital markets
Wealth management
Retail banking Corporate banking
Payments
Regulatory
recalibration
Technology
management
Fintechs
and big techs
Reimagining
the workforce
Mitigating
cyber risk
Source: Deloitte - Banking Outlook:
Accelerating the transformation
Banking Long-Term Growth Macro Themes

6
Changes in Customers’ Behavior Accelerate the Evolution of
FSI
Internet giants provide all-scenario services changed customers’
behavior dramatically
Customized
Real life scenarios
Ultimate experience Financial scenarios
Anytime, anywhere
As I need
User
New customers’ behavior
patterns pose new
needs and challenges
to bank’s services
The New Normal accelerates banking digitization and digital journey
reengineering

7
Leading digital banks increase technology investment, build a ecosystem platform, and
provide Universal services
Universal services: key to future
success
Universal Financial Services: Key to Future Success
MAU
Non-financial
scenarios
Mobile Apps
Data source: 2019 CMB annual report
Published APIs
Partners
across various
industries
Live more, bank less
Data source: 2019 DBS annual report
Branch / Internet Mobile App / In-App Applet Super App Banking-on-Everything
Traditional
Services
Mobile Finance
Life-style
Finance
Mobile payment
Micro loan
Mobile money
Digital Mortgage
Transfer
Loan
…
Deposit
FX …
remittance
5G
IOT
DC
BC
All Scenario
Finance

8
Digital Operations and Services will be Core Capabilities for
Banks
User
Mobile App
Digital journey
Universal
MAU
Customer
Bank card
Transaction
process
Financial services
AUM
Comprehensive mobile-centric digital
transformation
Digital customer
acquisition
Digital services Digital operations
Open banking
Centralized and
closed
◆ Referral marketing
◆ Link accounts at
other banks with
app
◆ Attract app user to
open a bank
account
◆ Mobile intelligent
customer services
◆ All-scenario
services on mobile
& IoT
◆ Integrated digital
customer journey
◆ Operate with open
and ecosystem
mind
◆ Intelligent
decision-making
with agile models
and speed
◆ Measure operation
effectiveness with
KPI such as MAU
Transformation

9
People
Enterprise
Intelligent Bank
Wealth
Assets &Things
Supply chain
Payment
New Technology Brings a Competitive Edge
Digital
Operation & Service
Cloud AI+Data
Open & Connection
Risk Control & Security
Experience & Channel
Payment & Transaction
5G+IOT
Government
Eco-system
• Mobile Experience
• Intelligent Financial Inclusion
• Online trading platform
• Smart Contract
• Conceptual Store
• Virtual Counter
• AR/VR
• Smart Branch
• Distributed credible books
• Unconscious Payment
• USSD Payment
• Traceability Chain
• Robo-Advisor
• Anonymous transactions
• DevOps
• aPaaS
• Microservice
• Distributed Database
New technologies bring inspired Scenarios and Services to build the digital capability for intelligent bank
Connected Intelligent

10
Business Digitization
Mobile Intelligent Bank
Banking Digital Initiatives
Redesign BCM Advance Digital Transformation
 “biz as usual”: to online & remote
 Redesign the digital customer journey
 Redesign risk management and internal
control processes
 Build a super app ecosystem
 Set up a converged agile team(IT/Biz)
 Digitalize business gradually
 Actively introduce new technologies, e.g.,
5G, IoT, AI and cloud
Apply New Technology
Mobility
…
APP External
Agility
Procedure …
Digitization
Digital Service Digital Operation …
Internal Org., Talent
Banking Everywhere Universal & All Services（2C,2B,2G)
Banking as Platform+Ecosystem
Mobile Intelligent Banking is the Future of Banking
Platform Digital Acquisition

11
Industry Trends in
Mobile Intelligent
Internet Era
1 2
Huawei Solutions
3
IT Innovation
Accelerates Mobile
Intelligent Bank
Transformation
Agenda

12
Business-driven New Ecosystem Agile Innovation
Drive
Enable
Product
Innovation
Enterprise
Wireless
Server
Storage
Network Cloud OS
Big data
Security
UC
Open
APIs
(eSDK)
Drive
Enable
Drive
Enable
Industry Applications
Business
Requirements
Cloud Big data
Mobility
IoT
CPS
AI
ICT
Convergence
Huawei
Partners (GPs, ISVs, SIs)
Enterprise Customers
New ICT: Platform + Ecosystem + Technology
Leading New ICT with BDII Strategy
BDII: Business Driven ICT Infrastructure

13
How a Leading Bank Built User-Centric Mobile Intelligent
Banking
A leading bank builds user-centric mobile intelligent banking to roam the digital world, adheres to “Mobile First” strategy using MAU as
the “North Star”
User registers and
activates app binding
other bank cards
Agile services:
Customized by
different cities or
branches with agility
Branch staff are able
to develop applets
Use the in-app
applets to build an
open ecosystem:
Open API platform
enables 629 partners
Conversation and
interaction with bank
account manager at
anywhere, anytime,
then reach account
manager directly
Customer service
appointment to a
branch and pre-fill
the form
CNY23.7 billion loan
issued to 896 corporate
customers in 3 weeks
of Feb. through 100%
contactless process
92% of total
user traffic from
mobile
16 scenarios
MAU > 10M
72% non-financial
services of total MAU
Mobile apps
MAU 102M

14
Reshape IT to Accelerate the Transformation of Mobile Intelligent
Banking
Features of user-centric mobile
intelligent banking
Banks reshape IT to accelerate digital transformation and construction of mobile intelligent
banking
Open to provide all-scenarios
services
Fully connects users, banks, partners
and devices
Mobile app is the key
Customized with business agility
Designed in agile and innovative way
by applying AI & big data analytics
Data
CORE
Banking
Transaction
Data
Artificial
Intelligence
AI
Data
Precision
Marketing
Branch Marketing
Data
Open APIs
Open Banking
Data
Mobile
Business
Mobile Business
IoT
Data
Big Data
Rich
Media
User
Ecosystem
Partners
Open and Agile

15
5G
Cloud
Corporate
Corporate
5G
5G
5G
5G
5G
5G
Cloud
Cloud
Consumer
Consumer
IoT
Government
Business
Business IoT
IoT
IoT
Users connect to each other through mobile apps, forming a large and fast-
expanded mobile internet
Features of mobile internet drive the transformation of
banks' Connections
Mobile and Connected: User Connections and Data Traffic Drive
IT Architecture Transformation
Ultra bandwidth and performance of
network, low latency, lossless network,
and intent driven network to guarantee
connection quality
Rapid &
Fierce Traffic
Anytime,
Anywhere
Connection
Diversity
A mobile-centric platform based on
cloud and distributed IT architecture
access by 5G,always connect
The mobile platform connect between
B2C,B2B,B2G,B2T(IOT),various &
massive connections require network
visibility, plug & play, automatic
deployment
Consumer

16
Core product platform
Open, distributed infrastructure: basic IT resources such as computing, network, and storage
Internal API
Marketplace
External
Program API
Unified data
platform AI algorithm
Mobile app
platform
Product 1 Product 2 Product n
……
Parking Healthcare Public transport
Scenic spot …
Service scenario platform
Movie tickets
User
Branch area Mini-program
Mobile app Partner app
Partners
Ecosystem
Quickly develop customized
products and precision
marketing campaigns
based on cities, branches,
products, and service
scenarios to achieve
business agility and lean
innovation.
Build a digital infrastructure
platform involving open
distributed architecture,
cloud computing, AI, big
data, and APIs, that is, an
open digital foundation.
Open and Agile: An Open Digital Foundation Supports Business
Agility and Innovation

17
Data and Intelligence: AI-Powered Data Analysis Enables Data
Monetization and Drives Business Innovation
AI-powered data analysis
Diverse data Business innovation
User
Internet
IoT
Bank
Partners
Bank statements
Regulatory statements
Smile to Pay
Intelligent risk control
Intelligent customer service
Transaction data
Flat files
Biometrics data
Logs
Voices
Images
Videos
Unified data
collection
Unified API
services
Solutions:
◆ Unified data collection
◆ Converged data analysis powered by AI
◆ Comprehensive data governance
Benefits:
◆ Real-time
◆ Intelligent
◆ Innovative
Challenges:
◆ Difficult data collection
◆ Difficult data analysis
◆ Difficult consumption
Big data
MPP DB
AI

18
Mobile
IT architecture redesign
Mobile digital operations
Build 5G-based mobile Internet,
SDN base fast connected intelligent banking network.
Reconstruct an elastic, cloud-based,
and distributed IT architecture.
Construct an AI-enabled
data platform.
Deploy an agile microservice
architecture and open APIs.
Digital customer engagements increasing
network traffic.
Real time data analysis and massive data
management lead to business innovations.
Develop a open & agile platform for banks
to support all scenarios and ecosystem.
Mobile banking app will become core
digital operations and services platform.
5G
connectivity
Ecosy
stem
partner
Mobile
banking
Mobile
office
Super
App
Huawei Helps Banks Build Mobile-Centric IT Architectures

19
Industry Trends in
Mobile Intelligent
Internet Era
1 2
Huawei Solutions
3
IT Innovation
Accelerates Mobile
Intelligent Bank
Transformation
Agenda

20
Huawei Mobile Intelligent Banking Solution Framework
Docker/
MicroServices
API gateway
Hadoop |
MPPDB
Network Compute Storage
AI/
ModelArts
Public Cloud Private Cloud Hybrid Cloud
Resource
Layer
IaaS
gPaaS
aPaaS
BaaS
DMS/DCE
Deposit
Loan
Credit Card
Wealth
Legacy Services
Cloud Infrastructure
• Multi Cloud by unify Management
• Cloud-Pipe-Terminal Synergize
• Full Stack IT Infrastructure
Open Platform
• Open API & Bi-Modal support
• Converge Data Lake
• Distributed Service
Business Service
• Digital Transformation Advisor
• Mobile Finance Solution
• Digital Core Banking
Capabilities
* White: Huawei Green: Partner

21
Banking Architecture Trend: Mobility, Cloudification and Agility
Production
Deposit
Lending
Credit
Capital
App
Teller
ATM
POS
Online Bank
Centralization
Manual
On Premise
Silo
Agility
Mobility Cloudification
Distribution
Automation
Hybrid Cloud
Micro-Services
Evolution
Software define anything
·
OPEN API
Ecosystem
Cloud
Dig Data Cloud
Development
Cloud
Production
Cloud
New Digital System Ecosystem,Third Party
Development , Test
Data analytical、Data Lake、
Deep Learning
New Cloud Architecture New Branch
New Digital Core New Data Platform New Eco-System

22
Data Center X Data Center Y DR Data Center
Active-Standby
Private Cloud Stack
Data
CORE
Banking
Production Cloud
Public Cloud Stack
Data
Open APIs
Ecosystem Cloud
Data
Mobile
Business
Mobile/Internet BIZ Cloud
IoT
Hybrid Cloud Platform
Third Party Cloud
OLTP OLAP
Share Nothing
Bare Metal /
Virtualization
Bare Metal /
Virtualization
Bare Metal /
Virtualization
Data Platform with AI
API Gateway
Ecosystem
Legacy Core New Digital Core
Virtualization
/Bare Metal
Docker Security Containers Virtualization
Docker API
Transporta
tion
Healthcare Entertainment Government
Micro-Services Platform / Distributed Platform
e-
Wallet
Mobile
Payment
Micro-
Lending
Wealth
Deposit
Credit
Lending
Card Transfer
A new Cloud Architecture for Future Bank
Data
Big Data/AI Cloud
Rich Media
Artificial
Intelligence
Streaming
Distributed Computer / Storage
Batch
Dual-Active

23
Huawei Hybrid Cloud Solution Supports IT Architecture Evolution
Tier Deploy MC Elastic Appl Market AI Data Converge Multi-Cloud DR
Hybrid Cloud Architecture in FSI
200+service
HW cloud
40+ service
HW Cloud Stack
Cross Cloud Rapid Deploy
Multi-cloud&domain Management
Unify Access to Multi-Cloud
Share HW Cloud 3500+APPLs
Generic appl Industry appl APPL API
Huawei Cloud
Cloud Stack
VDC User
Shares Services
Cloud
Federation
Cloud Federation for Hybrid Cloud
Full Access Unify Management
Easy Image Sync
Share Eco-system
Imange
Private Cloud
Physical Server VM
Cloud GW
3rdParty Public Cloud
Huawei Public Cloud
Unify Cloud Management
（ManageOne）
Huawei Hybrid Cloud
Appl,Data,Service,Network

24
Huawei Cloud Stack Helps BOC Build Cloud Data Center,
Enables the “Financial eco-Platform”
Bank of China is most diversify and international bank from China,which have branches at more than 56
countries
BOC
YS
BOC
OP
BOC
CS
Financial
eco-Platform
5000+
Agencies
10M+
Online user 5M+
Daily
transaction
Centralized Architecture Distributed Architecture
Offload 50%MIPS
Agile , Elastic
100K MIPS
Risc Server
Cloud Center
Auto
Elastic
Commerce
Platform
API Plaform for 3rd
Parties
New Customer
service
↓ Mainframe Cost Reduction
Offload query transaction from mainframe,have
50% MIPS reduction
The first“cloud network converge” 、“Bare metal”
， Scale out model，3713 VMs deployed in 2 months
Build Open Platform and Eco-System
DR
BJ DC1
SH
Prod
BJ DC2
DR
NMG XA
HF
5C6DC
Unify Platform，XA,HF DC A/A design

25
Data Infrastructure for Cloud Foundation: More Effective &
Efficient
AI Enable full life cycle management
OceanStor Dorado
All Flash
OceanStor Pacific
Distributed Storage
Intelligent Storage Management Platform
Production Scenario Massive Data Scenario
Intelligent Drive Management Effectiveness
All Flash Drive Business Acceleration
Distributed Drive Storage Cost Reduction
5x
Efficiency
• Full Life Cycle Management：
Plan、Deploy、Operation、
Optimization and Automation，
Effciency:1 PB/Person → 5
PB/Person
2x
Peak time
capacity
• No.1 Performance：20M IOPS，
0.1ms Delay，2x vs. Competitors
• No.1 HA：Tolerate 7-out-of-8
Failure of Controllers，99.99999%
Availability
• No.1 Density：24 disks/U，2.67x
vs.Average,Eg. 200 nodes R&D&T
data storage:75% space save，65%
power consumption save
70%OPEX
Channel
Access
Product
Service
Accounting
System
R&D&T ECM Big Data

26
VMs/server: 10 65
24/7 business continuity
Top1 bank in Singapore
Use AFAs to improve business
performance and HA
Fault tolerance at controller
enclosure level + solution-level A-A
design
150% faster
transaction processing
Top1 private bank in Switzerland
AFAs with A-A solution for Fast
and stable multinational banking
24/7 real-time processing
of global business
Deployment of the all-flash A-A
solution in Zurich and Singapore
Large-scale business expansion
Top2 state-owned bank in Brazil
33% lower OPEX with AFAs for
space & utilities
36.1%
Electricity costs
59.8%
Space
40.8%
Cooling
34.7%
O&M manpower
10 AFA systems replace 20 legacy
systems
5x performance
improvement
Minute-level
Provision
Resource provision: Hours Minutes
Automatic
maintenance
Top1 insurance company in Italy
Run DMS with AFAs to improve
resource provision and
automatic maintenance
Proactive SLA & risk discovery +
24/7 online inspection
Huawei Storage Solution Widely Deployed in FSI

27
Redefine Financial Network : Faster and More Intelligent
Main DC
DR DC Backup DC
Data Center Network Scenarios
DCI
Dual
Active
Disaster
Recovery
WAN Network
SD-WAN Solution Data Center 1
HQ
Data Center 2
Data Platform Zone
Core Production Zone
Internet Access Zone
Big Data
Channel
Access Online Bank Mobile Banking Risk
Control
Investment
Management
Lending Deposit Credit
Closed-loop verification and intelligent O&M
68%
Troubleshooting time shortened from hours to minutes
Network fault rate
Intent-driven, automatic deployment
Hours
Full-process automation
Seconds
AI training time
Compared with traditional Ethernet
iLossless algorithm
For Elastic SDN Network
For Intelligent O&M Network
For Zero Packet Loss Network
40%
Huawei DCN CloudFabric Solution
Branch

28
Agile Network
•Data Center Network
•Data Center Interconnect
•Campus Network
•Branch Access
•Network Security
•WAN Solution
Data Center
•Financial Private Cloud
•Active-Active Data Center
•RISC Migration to x86
•Virtual Desktop Infrastructure
•Hyper-Converged
•Data Center Facility
•Big Data Platform
Digital Branch
•Virtual Teller Machine
•CCTV Solution
•Video Conference
•ROBO Solution
•Contact Center
•Unified Collaboration
• Huawei One-Stop Banking ICT Solution
Innovation Branch
HQ Branch
Secondary DC
Master DC
MSTP/MPLS
DWDM
DR/Backup DC
Call Center
eBanking

29
How a Leading Bank Built User-Centric Mobile Intelligent Banking

30
Digital Branch
ROBO
BYOD
CCTV VTM
eSpace UC
VC/IPT
VDI

31
Digital Branch / Virtual Teller Machine
System Integration
Channel Management
Multi-media Collaboration Core Banking system
Third Party
Services
Service and Channel Orchestration
Virtual Teller Center (VTC)
Service Agent
Virtual Teller Agent (VTA)
Customer Interaction
Virtual Teller Machine (VTM)
Services Offering
Mobile Services Offering
Mobile Virtual Teller Machine (mVTM)
Integrate 4 Services:
• ATM transactions
• Customer Service
• Teller Services
• Product Sales
Cost-effective Service:
• Much less invest than branches
• 90% via self-Service
• 53% transactions increase
• Mobile marketing & service
High User Experience
• Real-time assistance via HD video
• Intelligent service scheduling
• Service quality monitor & analyze

32
24-hour service zone
Equipment
room
Door, closed in non-
business hours
Deployment
efficiency
Expert
resource usage
Digital Branch / Virtual Teller Machine
Self-service + Assistance, Dedicated Expert Services, Fast Deployment + Remote O&M
Remote expert
services
Mobile marketing
Self-service zone
1-to-1
financial
consulting
services
 Issuing bank cards
 Selling wealth mgmt
product
 IC card payment
services
 …
ATM+voice and video interaction+remote
assistance, efficiently dispatching remote
tellers for service support
 Exhibition
 Applying for
credit cards
 Applying for
small loans
 Managing
wealth
Meeting room
Customer
satisfaction
Travel cost

33
All-in-one
Hypervisor
Digital Branch / ROBO Solution for Small Branches
Solution Scenarios:
• Used in small branches for ERP, VDI, CCTV, OA, file sharing, etc.
Solution Highlights:
• Reliability: enterprise-class HA storage, virtualization HA, and
storage-based N:1 centralized DR.
• Easy to deploy: Integrate DCF, server storage, switch server,
management and virtualization in one box.
• Simple O&M: Remote & unified Centralized DR.
Typical Configuration:
=
Server
Storage
UPS &
Cabinets
+
+
+
Switch
ROBO
Virtualization
Products Recommended Model Number
Server 1288 V5 2
Storage OceanStor 2200/2600 V3 1
Switch S5720-28TP-LI-AC 24-port 1
UPS UPS2000-G 2U 3KVA UPS 1
Management / Monitoring eSight Unified
Virtualization FusionSphere, vSphere, Hyper-V

34
Bandwidth: 1T 3.6T
24/7 business continuity
Top1 bank in Singapore
Build DCI instead of Leasing to
support robust traffic and
BC/DR between DCs
Ensure Solution-level A-A Fault
tolerance design
40% Efficiency
Top2 bank in France
Building Premium All-optical
Campus Network
TCO down by 30%
All-optical campus office, Simple
Architecture, Intelligent O&M
Evolution to new services
Top2 bank in China
Constructing SDWAN with
high bandwidth, low latency
based on 5G
Minute-level
Provision
Resource provision: Hours Minutes
Automatic
maintenance
Top3 Bank in Brazil
Cloud transformation by SDN &
Native AI Insight Platform
Proactive SLA & risk discovery + 1-
3-5 Intent-based loop closing
Huawei Network Solution Widely Deployed in FSI
ZTP Provision , Application-level
intelligent routing and optimization, to
ensure business experience
Bandwidth: 10M 200M
Week-level
Business provision: Month Week
50% TCO
Self-build & Leased Services
60% TCO
Cost of Lease Line
Easy & Unified
Management

35
On Premise
Microservices
Public Cloud
Kubernetes Database Message
New Digital Core: Moves Digital business towards Open Banking
• Product factory with modular design
• standard internal APIs for easier integration among modules
Banking as a Service (BaaS)
• Distributed Microservices architecture
• Agile Operation and development
Distributed PaaS
• Cost-effective and easy expansion
• One-Click deployment by Huawei-Partner joint work
• Hybrid deployment support
Scalable IaaS
Joint Solution with Partners (10)
Customer Center
Product Center
GL Center Payment Center
Fees Center
Account Center
eKYC Marketing Center
Risk Ctrl Center
Product Factory Engine O&M
Support
Open API Gateway
Mobile APP Server
Bank APP
Retail eCommerce
Supply Chain
Public Services
O2O
Logistic
Ecosystem APP
Internal Gateway
Legacy system
Payment Deposit Loan Customer Experience
Wealth
Cache
…

36
Legacy core banking system
PaaS
Wallet
2.0
Deposit
2.0
Loan
2.0
Points
2.0
Investment
2.0
Crossborder
2.0
Digital
account
center
Customer
center
Product
center
Common
service
RISK
Education Government Payment Healthcare Transportation
One of Thailand's TOP 3 bank with FINCUBE solution One of Kenya’s Top 2 Bank with Huawei Joint Solution
New Digital Core Solution Enables Banks to Build New Digital
Platform
Build small loan platform based on cloud,
replace T24 module
Business enforcement
Deploy small loan platform to 4
other countries
Business compliance
Online
payment
Offline
payment
Agile
payment
Build digital payment
platform
Smart payment
Cashless
Credit
service
Smart
investment
Customer
portrait
Build new digital
core platform
Digital life
IaaS
Step 1: Digital Banking Platform + Wallet
Step 2: Digital Banking Platform + 5 Ecosystems
Step 3: Open Financial Platform + Cloud service
+
Uganda
Rwanda
Tanzania
Ivory Coast

37
Converged Data
Analysis(Hetu|DLI)
Business
data
Data Source Converged Data Lake
Banking New Data Platform: towards Converged Data Lake
Biz Innovation
Log data
Image/Audio
/Video data
Behavior
data
External
data
Personalized
Service
Precise
Marketing
Risk Control
Cross Selling
Open
Banking
HUAWEI
Cloud Stack
Separation of
compute & storage
MRS & AI DWS
OmniChannel
Diversified Data
Mass amount
• TCO reduction
• TCO Savings
• Service performance
• Business Performance
• PB-level data analysis
capability
• PB-scale Data Analysis
Real time
Open
High throughput
High scalability
AI empowered
• Converged data platform with AI
• Separation of storage and compute
• AI evolution
• Support heterogeneous
computing power
• Cloudification

38
Smart Branch: Redesign Branch Services with Customer
Journey
Queue ticket for
an appointment
Large-screen marketing Virtual shelf/VR glasses Inquiry/Service Financial
services
Pre-fill form
Customer
analysis
4K advertising screen
QR code/e-label
Combination
recommendation
Livelihood
services
Online services
VIP/New Customer
identification
Online customer service Area heatmap
Public
services
Environment control
Device setting
Store device power-
on/off
Key asset stocktaking
Continuous app-based
marketing
(evaluation/feedback/luc
ky draw...)
Mobile
app
Entering
a Branch
Browsing
Guided
tour
Service
Leaving
Branch
Operations
Mobile app Smart
screen
Camera AP ESL Intelligent guided
shopping
Teller/ATM Payment
Intelligent customer service center
Traditional financial services
Branch + Teller
Bank1.0 Bank2.0 Bank3.0 Bank4.0
Branch + ATM Internet + Mobile APP Smart Branch + Super APP
Manual service, reservation
The off-counter rate increase,
“mobile first”
Intelligent IoT device
Branch is the main channel
electronic channels are increasing
Smart branch deploying
online and offline service convergence

39
Huawei Smart Branch Solution Enriches Customer's Journey at
the Branch
Intelligent management Intelligent marketing Intelligent connection Intelligent security
ROBO integrated data center (UPS)
IOC centralized O&M
VDI desktop cloud
IoT asset management
VIP identification
Digital customer service
OCR-based recognition
Atlas AI edge station
5G/Wi-Fi 6
SD-WAN intelligent traffic steering
Branch network device
WeLink/VC
Abnormal behavior analysis
Perimeter intrusion detection
Attendance and access control
Video cloud networking
Case：CMB AI Branch
• Huawei provide Intelligent Marketing solution
• Smart Camera +AI Platform + Data Analysis
• Greatly improve customer acquisition capabilities
and customer experience.
Case：CCB 5G Branch
• Huawei Provide Intelligent Connection
Solution
• 5G + SD-WAN + WIFI6
• High-bandwidth, intelligent, and stable
network services
Head office DC
High-counter area
Outlet lobby
Low-counter area
Waiting area
Self-service area
Equipment
room
Attendance and
access control
Video cloud
networking
Abnormal
behavior analysis
Perimeter intrusion
detection
Atlas 500 edge
station
AI training server
AI customer
service
VIP identification
ROBO outlet
integrated
data center
(UPS)
IOC centralized O&M
VDI desktop
management system
Outlet IoT
management
5G
Private line
SD-WAN
Branch
network device
Intelligent connection
Intelligent marketing
Intelligent management
Intelligent security
Snapshot camera OCR-based
recognition

40
Openness, Cooperation, and Win-Win: Huawei Works with
Partners to Build Scenario-based Financial Solutions
Works with ISV partners to develop joint solutions
based on customer service scenarios.
Works with 50+ partners globally to joint incubate 30+
industry solutions.
Migrating mainframes
and Unix servers
A
Intelligent outlet
Outlet monitoring
B
New digital core
C
Data Lake
D M
Open banking
platform
HUAWEI
CLOUD
Hybrid cloud
All-flash
storage
MPPDB DCN
Intelligent
security
Kunpeng
Huawei Cloud
Stack
Big Data
Digital
energy
Ascend
Enterprise
intelligence
SDN …
…
HUAWEI CLOUD Huawei ICT Infrastructure
Intelligent risk control
& decision-making
Mobile office
Mobile security
…
Intelligent outbound
call & customer service
Network performance
monitoring
Architecture Branch Core Data Mobile
… …
…
…

41
Banking Everywhere, Better with Huawei : m@ABCDE
• Chipset
• Full Stack Technology Innovation
• Leading R&D Investment
• Open Architecture
• Distributed Platform
• New Eco-system in Cloud & Mobile Era
• Success with FSI Digital Leaders
• Joint Innovations
• Best Practices in Most Disruptive Market
Technology Innovation Open, Cooperation Leading Practices
New Cloud Architecture New Branch,New Service New Digital Core New Data Platform New Eco-system
Banking Service
Bank Mobile
Build Fully Connected Enable Digitization Empower Business Agility
Huawei Value
Huawei Solution
Empower FSI in the Mobile Intelligent Era

42
Huawei Solution in Worldwide Financial Institutions
20+ customers in
strategic cooperation
1600+ global
financial institutions
45 of the world's
top 100 banks
…

43
Huawei Mobile Payment Platform Help KBZPay Successful
Operation
Disrupting Market Leadership in 1 Year
Agile Finance platform for KBZPay Business
Myanmar’s largest privately-
owned bank
The Winner of Asiamoney’s
2019 Best Domestic Bank and
Best Digital Bank in Myanmar
Awards
Huawei&KBZ Joint Business operation
Corporate strategic consulting and talent training
Consumer
Digital Agile Cloud Native
DevOps Support Business Innovation Cycle
Funds Provider
Merchant
Supply Chain Public Agency
Social Media
Consumer APP Merchant APP Banker APP
Business & Product
Design
Product Launch
Analysis &
Optimization
Business Operation
KBZPay：Fastest Growing Mobile Wallet in Myanmar
Aim for 30 Million Customers

44
8 application cases of IoT changing retail banking
Many banks provide popular wearable device
applications, such as Apple Watch and FitPay, which have
partnered with Bank of America. Some banks even
launched their own devices. For example, Barclays Bank
launched the bPay wearable contactless payment
solution. Caixa Bank, Hellenic Bank and Australia
WestPac also launched their own wearable products.
Wearable Devices and Banking Easy Payment
In an experiment conducted at a London bar at the end
of last year, Barclays' Pay @ Pump self-service beer
vending machine allows users to buy, pay and receive
beer within 60 seconds, avoiding long waits during the
busiest times.

45
Idea Bank operates a fleet, each car is equipped with a
safety deposit box and an ATM machine, which can
provide services to customers at any time without the
need for customers to go to the bank. business. The
bank data shows that the average deposit of a mobile
auto ATM is three times higher than that of a branch. At
the same time, Canada’s Blueshore Credit Union is
exploring the possibility of displaying wealth
management applications on car windshields so that
passengers can review their portfolios while driving.
Smart Car Branches : Mobile ATM Car Smart Contracts based on Blockchain
In financial services and other fields, the potential of
blockchain to ensure the secure record of authenticated
transactions has aroused widespread discussion. Some
banks are already experimenting with this technology:
Commonwealth Bank of Australia, Wells Fargo and
trading company Brighann Cotton claim to have
completed the first global trade transaction between the
two banks using blockchain, smart contracts and the
Internet of Things. Texas sends a batch of cotton to
Qingdao, China.

46
Retail bank branches may be threatened, but there is a
view that smarter branches can provide customers with a
better service experience. In a recent experiment,
Clydesdale and Yorkshire Banking Group (CYBG)
Customer Innovation Lab opened a test platform in
London to test many smart devices to improve the
customer experience. For example, facial recognition
technology is used to determine how users interact,
while network access is provided through an interactive
touch screen
Smarter Branches Beacons make services more personalized.
Retail banks re-use Bluetooth instructions to tap the
opportunities of branches with less passenger flow. Bank
of America, WestPac New Zealand, and Citibank are all
using beacon technology to allow customers to
"announce" the service of their choice before
approaching a bank teller or ATM. Barclays Bank uses
beacons to help customers with disabilities navigate
branch locations.

47
US Capital One now allows customers to pay bills through Amazon's
Alexa (virtual assistant for Echo smart speakers). It is certainly not
the only retail banking institution to adopt this method, and it will
not be the last. Take the British challenger bank Starling as an
example. The agency is trying out Google Home to integrate its API
with smart speakers, allowing users to perform balance inquiry and
payment functions through voice commands.
Home Bank Chatbots provide better customer experience.
Chatbots are already being used in retail banking.
Obviously, this is a simple and relatively economical way
to automate customer service queries. Some startups
have also joined the ranks, such as Cleo, which can
connect to banks and use the Facebook chatbot
platform. There are some other application cases. For
example, the RBS assistant chatbot of Royal Bank of
Scotland can answer some common bank business
questions; DBS DBS uses Kasisto's Kai AI platform to
allow customers to transfer money and pay bills. In
addition, Swedbank has launched the NINA customer
service chatbot developed by Nuance on its website and
mobile application to answer customer questions faster
by collecting relevant information..

FSI - Digital Transformation.pdf

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