With the world moving fast to new heights on the cloud, powered by mobile users and agile demands in a changing world, a solid framework for financial apps is becoming a must. From mobile banking, to regulatory reporting, to risk management or automated bank outlets, the banking landscape is changing. Creating the right patterns to take advantage of the current technologies should be at the heart of these new systems. Firms that keep a traditional approach for developing and delivering applications will find their business severely affected. This session will cover tangible cases of modern applications in the financial sector, as well as patterns of solutions, tools and approaches to solve them.

1. N I COLA S JA BBOUR
GROUP CE O, CA P I TA L BA N K I N G S OLUTI ON S
Can Banking Reach the Cloud
I B M I M P A C T 2 0 1 3 C O N F E R E N C E
T U E S D A Y , A P R I L 3 0 T H 2 0 1 3
S E S S I O N I D : B P B - 3 3 0 8

2. CBS – IMPACT 2013 2
 20 year old leading Banking Software vendor
 200+ Banks and Financial institutions running their business on our
solutions
 Bankers and Technologists at the service of our customers, scattered
across four continents
 Catering to small and medium banks ($1B - $30B in assets) – retail,
corporate, private and wealth management…
 Offices in New York, Miami, Paris, Monaco, Geneva, Dubai and Beirut,
with customers present in 4 continents
 On Premise and In the Cloud Solutions
 IBM partner – IBM software bundled into our platform; IBM software
reseller and industry partner
Capital Banking Solutions

3. CBS – IMPACT 2013 3
 Core Banking Solutions: Retail,
corporate, private, financial
institutions, Islamic…
 CRM: Sales cycle management,
customer 360, Marketing
campaigns…
 Multi-Channel: Internet, Mobile,
Kiosk, ATM and phone Banking
 Compliance: Regulatory reporting,
audits…
 Risk: KYC, AML
 Business Intelligence: Full suite of
quantitative and qualitative
reporting and analysis capabilities
 Private Banking: Wealth
management, portfolio simulation,
family office
 Exchange: Unified Banking Gateway
with build in protocols, flow process
management, audits, blacklist…
Offering

4. CBS – IMPACT 2013 4
Our Vision
Deliver to our customers
innovative banking solutions
that allow them to adapt to a
new and changing world by
marrying our deep
understanding of the banking
business, our track record
delivering successful solutions
and our mastery of modern
technologies

5. CBS – IMPACT 2013 5
Banking Landscape: Streams of Change
 Geo-Political
 Connected world – emerging markets
 Risk and compliance
 Traceability, risk management and compliance
 Taxation
 AML
 Generational
 Facebook generation
 Mobile generation
 Technological
 Instantaneous alerts management
 Mobile payment
 De-materialized cash

6. CBS – IMPACT 2013 6
CBS Addressing Upcoming Challenges
 Create: Think Out of the Box
 Package: Think Consumability
 Deliver: Think Cloud
 Reach: Think Mobility

7. CBS – IMPACT 2013 7
CBS Technology
 Strategic decisions
 Partnership with IBM
 Financial industry models (IFW)
 Bundling IBM WebSphere (ESB, BPM, ODM)
 Strategic partnership with DreamFace, an
innovative Cloud based User Experience
Development Environment
 Approach
 Fully adapt the offer to comply with the
decisions above:
 ESB, BPM and rules at the heart of every
offer allowing us to truly implement a
“daisy” pattern
 “Breaking” our existing solutions into
reusable services and processes
 Adapt our architecture and delivery model
to the Cloud with the notions of “tenants,”
“templates” and other

8. CBS – IMPACT 2013 8
CBS Technology – Where We Started

9. CBS – IMPACT 2013 9
CBS Technology – Where We Are Now

10. CBS – IMPACT 2013 10
CBS Technology

11. CBS – IMPACT 2013 11
Cloud Offering
 Business Values
 No upfront investment, Pay-as-you-go
 Fast deployment model
 No hassle maintenance on their part
 Business Continuity and Disaster Recovery
capabilities
 Completely secured. In many cases, the
security level is much higher than what the
customer can provide on their own
infrastructure!
 Operational values
 Always up to date versions with scheduled
patches and releases
 Unmatched speed to match the customer
business development requirements (new
agency, higher usage load, opening in a
new country…)
 Fully automated back up and recovery
procedures and capabilities

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C
o
r
e
Model
New Tenant
C
o
r
e
1
Create new
environment
2
Customization
3
Enhancements
and added
value
4
Patches and
maintenance
C
o
r
e
C
o
r
e
New
modules
Cloud Offering

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Thinking Out of the Box
 Break the traditional thinking
 Customer 360 is not a “DataWarehouse” offer but an online
component at the heart of many systems
 CRM functionalities are not only bound to “CRM functions” and
“Client Managers” but seamlessly accessible online throughout the
user mobile experience
 Fraud detection is not a Back office service but also an interactive
alerting system delivered directly to the user based on their mobility
profiles
 Internet Banking is not just a proxy for users to conduct transactions
but a way to better understand their behaviors and upsell or cross sell
new products
 SWIFT, FedWire, SEPA, ACH or other protocols are not simply
“exchange protocols” but are elements of a bigger process that
“commits the bank to its business partners”

14. CBS – IMPACT 2013 14
Thinking Out of the Box
 Capital Exchange
 Unique and privileged Gateway to connect the Bank to its business
partners (Fed, Central Banks, other Banks, partner insurance
companies, SWIFT, etc.)
 Unique place to define “trade partners”, their rights and access, audit
trails, statistical usages, exception management, etc.
 Any to Any: connects any service (payment, transfer, insurance
quote, Blacklist check, etc.) to any “partner” via any of the available
protocols (SWIFT, SEPA, ACH, FED EXCh, file, etc.)
 Can be leveraged for core transactions, CRM, compliance, etc.
 Always up to date with the latest compliance rules, protocol support,
etc.
 Fully configurable via Rules and BPM management
 Available on premise or as a Cloud service
 Ingredients: WebSphere Application Server, ESB, BPM and ODM

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Thinking Out of the Box
 Capital Net
 Multi-Channel Banking experience with tight integration to Social
networks, CRM, alerts and events backend systems
 Provides a seamless, personalized experience where the Bank not only
permits its customers to access content and transactions but can also
analyze their preferences and situations, real time, in order to provide
a “proximity service” traditionally available only trough “Brick and
Mortar” agencies
 Seamless experience from the Internet, mobile devices, tablets, Kiosks,
ATM machines, etc.
 Universal MDM that aggregates data from the various systems (cards,
trading, etc.) into a unified view serviced in the context of the user
profile, context (device, location, etc.) and preferences
 Can plug to virtually any existing core, cards, and trading systems
 Ingredients: WebSphere Application Server, ESB, BPM, ODM and CAS

16. www.capital-banking.com
info@capital-banking.com
Americas
Email: info.americas@capital-banking.com
Phone: +1 212 307 1115
Europe
Email: info.europe@capital-banking.com
Phone: +33 1 44 43 44 66
Middle East
Email: info.me@capital-banking.com
Phone: +971 4 37 54 773
Africa
Email: info.africa@capital-banking.com
Phone: +33 1 44 43 44 66