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【正文】 Management It illustrates our endtoend methodology from vision to business and IT solution and finally implementation. The same methodology can be applied to a different line of business . Loans, Trade Finance or the entire Corporate Bank family of products. We can take a consulting remendation from 30,000 feet and implement it at ground level 9 IBM Proprietary Example Bank A‘s Vision 例： A銀行的期望 ? Back in Sep 2023 Bank A’s senior management team municated the following reasons for changing its core payments system: – To defend its dominant position in cross border and vostro clearing business. – To lay the infrastructure for building and growing its annuity ine lines of business: Domestic local highvalue clearing Cash Management eCommerce Update Meeting 10 IBM Proprietary Convert Vision into Specific Objectives 將期望轉(zhuǎn)變?yōu)閷?shí)際目標(biāo) Specifics goals 具體目標(biāo) Start up new lineofbusiness Increase fee based annuity ine to help declining margins in loans. Approach 方法 Centralized versus Decentralized ? Constraints 制約條件 Branch infrastructure. Communications work, bandwidth Solution (Business IT)解決方案 Select a funds transfer business application Overall fit into bank’s IT environment 11 IBM Proprietary The proposed Funds Transfer system will bring about significant benefits to Bank A: 建議的轉(zhuǎn)帳系統(tǒng)將給 A銀行帶來(lái)巨大的利益 Benefits Of FT System Greater Automation 加大自動(dòng)控制 Reduced Operational Risk 降低運(yùn)作風(fēng)險(xiǎn) 1. Sophisticated customer CIF for Funds Transfer 2. Rulebased routing/processing 3. Interfaces to other existing systems in the bank 4. Interface with Cash Management 1. Higher STP 2. Comprehensive Audit Trail 3. Multiple authorization/payment discretion 4. Duplicate checking 5. Disaster Recovery 12 IBM Proprietary The proposed Funds Transfer system will bring about significant benefits to Bank A: 建議的轉(zhuǎn)帳系統(tǒng)將給 A銀行帶來(lái)巨大的利益 Benefits Of FT System Credit Liquidity Control 貸款及償債力控制 Product Client Service Differentiation 區(qū)分產(chǎn)品與客戶(hù)服務(wù) 1. Queuing and prioritization 2. Intraday credit line 3. Bilateral limit/ debit cap 1. Sophisticated CIF for Funds Transfer client
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