Transcript No Slide Title

e-banking and Integration
in OTP Bank
András Kovács
Director of Technology Management and Business Development
IQSYS Rt
7/17/2015
Agenda
•
•
•
•
Business and IT requirements
Solution
Experiences, good practices
Possible future extensions
2
7/17/2015
About OTP Bank
• Market leader Universal bank in Hungary
– Hungarian marker leader in retail banking (more than 30%)
– Hungarian market leader in municipal banking (more than 60%)
– One of the leader in corporate banking (more than 12%)
• Multi channels
– 440 branches, 1100 ATM machines, phone and Internet banking, bank cards
services, mobile services
• Regional presence
– In Slovakia and Bulgaria
• Other banking services to retail and corporate clients
– Treasury, Factoring, Insurance, International Finance, Estate, Brokering, Funds….
3
7/17/2015
Initial Situation
• Existing electronic channels
–
–
–
–
–
e-banking
Corporate banking (OTP Client Terminal)
Mobil (SMS)
---------------------------------------Call Center (voice based services)
• In-house developed, proprietary communication software
– Branch Services and
– Call Center are
a completely separate applications
• Obsolete, not really easy-to-use e-services
• Islands of customer management
• Limited in-house development resources
4
7/17/2015
Business Requirements
• Scalability and high availability
• Unified multi-channel strategy (e-channels first)
–
–
–
–
Internet
Different mobile services
Voice (Call Center – TeleBank)
Braches
– SST
• Unified, central customer managements (e-channels first)
• Agile system
– Fast, low risk, low cost releases of new services
• For every electronic channel including voice based services...
5
7/17/2015
IT Requirements
• Business requirements plus….
• Multi-layered architecture
– Core business services
– Business flow (logic)
– Multi channel presentation
•
•
•
•
Centralized, business process oriented approach
Central administrator, operator and log facility
Faster, more reliable development
Common environment for integration and new applications
6
7/17/2015
Multi-layered Architecture Supports
Multi-channel Business Strategies
• Virtual
POS
• SST • Corporate
(Kiosk) banking
• Branch
• Call
• Mobil
• Internet
Center
(WAP, PDA, Java...)
Multi-device
personalized
presentation
• Partners
B2B
Hyper
opportunistic
(days-weeks)
Opportunistic
Channel adapters
(3-24 months)
Middleware(ENS)
Channel
independent
Business flow
Quasi
systematic
(12-36 month)
Middleware (ENS)
Business services
Back-end services
Systematic
(3-10 years)
SST= Self service Terminal, ENS=Enterprise Nervous System
7
7/17/2015
Enterprise Application Platform Suits
Supports Multi-layered Architecture
• SST
(Kiosk)
• Corporate
• Branch
banking
• Internet
• Call
• Mobil
Center
• Partners
(WAP, PDA, Java...)
Multi-device
personalized
presentation
B2B
Hyper
opportunistic
(days-weeks)
Channels
Channels
Channels
Channels
Opportunistic
WebLogic Server
(3-24 months)
Middleware(ENR)
Quasi
systematic
JCA
Adapter
Business services
Back-end services
Channels
WebLogic Portal
Channel adapters
Channel
independent
Business flow
Channels
JCA
Adapter
WebLogic Integration
JCA
Adapter
JCA
Adapter
Middleware (ENR)
JCA
Adapter
(12-36 month)
Systematic
(3-10 years)
8
7/17/2015
BEA WebLogic Integration Selected as
the Integration Platform
9
7/17/2015
The Solution
Corporate
banking
WAP
JSP
JSPWebLogic
Express
e-banking WebLogic
Express
Customer
management
Client
SIMToolkit
Client
Branch
Server
EJB
Client
WebServices
Virtual POS
Service
WebLogic Integration
JCA
Adapter
JCA
Adapter
Accounting
Interests
JCA
Adapter
JCA
Adapter
Card
Call Center
Management (TeleBank)
JCA
Adapter
Middleware
Database
Credit
Accounts
10
7/17/2015
The Solution (continued)
• The current version of the middleware provides unified services for the
channels
–
–
–
–
–
e-banking
Mobil (WAP & SMS + SIMToolkit)
Corporate banking (Client Terminal)
Call Center (partly)
Branches (partly)
• Partly unified customer management
– For the middleware based channels
• Business process oriented integration
• WebLogic Express provides the web based GUI for
– e-banking
– Customer management
• Branch, mobil and corporate banking services access the business flows via
Web Services
11
7/17/2015
Scalable, High-available Architecture
Customers
(Internet users)
firewall
DMZ
Http server
Internet Portal
Http server
Internet Portal
WL
plugin
WL
plugin
DMZ
WebLogic
cluster
WebLogic
Express
Billing
WebLogic
Express
WebLogic
Integration
WebLogic
Integration
WebLogic
Server
WebLogic
Server
Interests
Card
system
firewall
Http server
Intranet Portal
WL
plugin
Intranet
users
WebLogic
Admin
Sun cluster
Oracle RAC
Call Center
Middleware
database
Middleware
database
12
7/17/2015
Solution Methodology
• The integration tool defines a basic methodology
– WLS 6.1, WLI 2.1
– Business process based integration
– Component based implementation
• BPM processes, EJB, Java classes
• Reuse
– Access to back-end systems via JCA adapters.
• The integration tool contains development tools
– Adapter Development Kit
– Graphical Process Editor and Monitor
– Transformation Editor (Binary<>XML, XML<>XML)
• De-facto standard AD methodologies can be used
– RUP (Rational Unified Process) and Rational lifecycle support tools are
used
•
•
•
•
Iterative development (This is a must req. from OTP)
Requirements analysis for the whole system and its the modules.
Design, implementation and testing for the modules
Integration test for the complete releases
– Iterative development for the moment too
13
7/17/2015
Solution, Good Practices
• Adapter Development
– Using WebLogic Integration ADK (Adapter Developer Kit)
• Structure by J2EE JCA standard.
• The general parts are generated.
– Iterative implementation
• Identification of the environment and interfaces are long processes
• The lack of the detailed documentation
• The weak functionality of the integrated systems should be hidden.
• Implemented JCA adapters:
– Terminal emulator adapter
– Database adapters (Oracle, MS SQLServer)
– Unique TCP protocol (BIC) based adapter
14
7/17/2015
Solution, Good Practices (continued)
• Business Processes
– Modeling in UML (Rational Rose)
• Customer can verify and approve the processes in the early phases
– Implementation: WebLogic Studio
• Graphical editing.
• Processes can access standard J2EE elements (class, EJB, JCA, JMS)
– Repeating part of the business logic can be implemented as component.
– Services provided by the adapters can be easily built into processes
– Testing
• Test design by the approved models
• In house developed test tool for the business processes
• Implemented processes
– ~220 processes (business and utilityprocesses)
15
7/17/2015
Solution, Good Practices (continued)
• User Interface
– e-banking
– Back office (Customer Management for middleware based electronic
channels)
• Inner administration and maintenance
– MVC architecture with JSP pages
• Business Logic implemented in the middleware
– Homogenous architecture
– Admin operations can be used on different user interfaces (in different
applications)
– The system can be easily reorganized (e.g.: in case of CRM introduction)
• Role based security
– The functionality of the operations depend on the role of the caller
– Rules of the authentication can be changed without the modification of the user
interface
16
7/17/2015
Experiences, recommendations
• Central management and support of the project at the customer side
is a vital issue.
– Clear communication of the business values to the business departments.
•
•
•
•
•
Quality of the services
Unified multi-channel product/service management .
Unified customer management
Faster, lower risk implementation of new services
Scalability, high availability
• Elaboration between an overall concept and long term strategy is
necessary
– The long term scope of the integration (e.g. B2B, Portal...)
– Good implementation strategy
• Practical order of the development steps
• Unambiguous specification of the scope of the development steps.
• Integration tool is strategic issue, we should live with it for a long
period.
– Future proof, standard base, main stream tool is required
17
7/17/2015
Benefits
• Standard J2EE/XML based
• The market leading application server provides the solid
backgrounds
–
–
–
–
–
Scalability
Performance
High availability, load balancing (cluster technology)
Multiple platform support
Central, homogenous, extensible administration
• For WLS, WLI
• Applications (JMX Beans)
• After establishing the backgrounds (main adapters and processes)
the system can be extended/modified fastly
• Common environment for
– Integration
– Composit applications
– New applications
18
7/17/2015
Possible Future Extensions
SIMToolkit
WAP
Client
Corporate
banking
Channels
Channels
Channels
Branch
Server
WebServices
Client
WebLogic Portal
Client
Virtual POS
Service
Middleware
Database
WebLogic Integration
JCA
Adapter
JCA
Adapter
JCA
Adapter
JCA
Adapter
JCA
Adapter
...
...
Billing
Interests
Card
Mangement
Call Center
(TeleBank)
...
Other
Apps
19
7/17/2015
Possible Future Extensions (continued)
• Integration of new systems
• New electronic channels
–
–
–
–
Java middlet based mobile services
PDA based mobile services
Self service terminal
Extending services
• Call center (TeleBank)
• Branches
• Unified channel managements
– Electronic channels
– Voice based services
– Branches
• Unified user interface (portal)
20
Thank you for your
attention
[email protected]