Mobile banking has two key challenges: providing secure access to information and providing easy visibility and access to that information on the limited real estate of a mobile device.
IBM MobileFirst offers a comprehensive set of mobile products and services to increase efficiencies and gain a competitive advantage. Security for mobile devices and applications is a critical challenge where voice based authentication can be used for increased speed and customer satisfaction.
IBM Worklight has been integrated with speech solutions from Nuance to bring exciting new features to mobile banking. Your users can securely access their accounts using their voice as a password. Using voice commands, users have a more natural and interactive way of accessing functions and information that may not be easily implemented or discovered on a mobile device.
AWPL have taken their experience of working with insurance clients across Asia and boiled this into a solution which offers a layer of created processes, templates and integration points with IBM's BPM and FileNet product lines.
What is the value to the customer?
Deployments which would have taken 1 or 2 years to complete can now be wrapped up in as little as 5 weeks, explains Sunil Savara of AWPL in conversation with Mark Hanny, IBM VP of Ecosystem Development.
When it comes to partnering with IBM, Sunil points out that the size of IBM is less important than the dedication to the customer he sees. When the chips are down, IBM is one company you can rely on.
How does a bank offer personalized offers to millions of customers on the fly? By leveraging the collective wisdom of the bank (all the knowledge across the institution that can contribute to picking the best offer for each customer) to deliver extreme real-time intelligence. Sound like the stuff of science fiction?
As CustomerXPs CEO Rivi Varghese explained in conversation with Mark Hanny, IBM VP of Ecosystem Development, infrastructure such as the IBM PureApplication System has a major role to play. Older systems can be replaced or integrated with IBM PureApplication System with the least disruption. PureApplication can then deliver an entire decisioning process to each customer within 100 milliseconds, with the potential to scale up to millions of transactions. On the one hand, this decisioning can help eliminate costs through intelligent fraud management, but it also provides value through offering personalized up-sell or cross-sell opportunities.
Customer needs in banking are changing. Customers now expect warmth and personalized service when they enter a bank. Online this translates into an engaging omni-channel experience with personalized offers.
Banks therefore need to have data on individual customer activity that they can access in real-time, says Pedro E. Morales of Grupo PISA. This level of service is transforming the business infrastructure which underpins core banking applications. So in spite of the regulation and compliance, banks are now beginning to look at the Cloud, explains Pedro in this conversation with Mark Hanny, IBM VP for Ecosystem Development.
Solutions such as IBM PureSystems which integrate configured hardware and software allow Grupo PISA to install systems in a third of the time, reducing Total Cost of Ownership (TCO).
Etienne Castiaux is the CTO of Clear2Pay, a payment software company working in the banking industry. They make extensive use of IBM BPM in order to process over 0.5 trillion payments a year for clients such as MasterCard and Santander.
In this video Etienne explains why they are excited about PureApplication solutions and what they will offer banks in terms of performance and pricing.
In this interview John Schlesinger, the Chief Enterprise Architect from Temenos points out that they were one of the first partners to be certified on PureSystems with their banking software running as a System pattern (and shortly an Application pattern) within PureSystems.
In terms of the latest trends in banking, John points out that banks are moving quickly to the self-assisted model where users complete their transactions on the web or on a phone. Whilst this provides a better experience for the customer, it also represents cost savings for the bank. Where it can cost $5 to complete a transaction in a bank branch, the same transaction can cost 10 cents on a laptop and 5 cents on a phone.
Temenos have long been a partner with IBM and currently all their customers use WebSphere MQ.
Buying groceries with micro payments, 29.7 million cell phones and governments investing in smarter cities… no this isn't China or Brazil… this is Nairobi Kenya…. Africa.
On May 8, IBM will open the third IBM Innovation Center in Africa, in Nairobi Kenya. A first of it's kind, the center will be a world class Research Lab, Client Center and IBM Innovation Center for partners.
The opportunities in Africa are larger and more interesting than you might expect. In fact, you should go to the opening for the Center and see for yourself. Why?… Because Africa is quietly rising as one of the last great untapped and underserved growth markets. There are challenges to solve and a growing consumer base leap frogging traditional industry maturation cycles, providing a great opportunity for all IBM partners worldwide.
Here, I want to share insights for partners around the top 3 industry and capability opportunities.
To provide key insights for ISV partners around the world, I invited Lynn Kesterson-Townes to join me to share inside perspectives on the opening event at the Center and opportunities for partners. Who is Lynn? Lynn is the project lead for the opening event, overseeing all aspects of the planning, content, executive engagement, partner participation and the like. From where she sits, Lynn has gained unique insights into the opportunities in Nairobi, in Kenya, and across East and Southern Africa.
The priority market opportunities to highlight are:
Looking at greatest demand around industry solutions, we can see the top three areas are Banking, Government and Telco.
Looking at greatest demand around leadeship capabilities, we can see the top three areas are Smarter Cities (Traffic Management), Mobile and Big Data.
For partners with solutions focused around these three industries and these capabilities, I would encourage you to consider market expansion into Africa and to consider leveraging the IBM Innovation Center and our partner teams there as an entry point into the area.
For a deeper view into the Nairobi IBM Innovation Center, see this CNN video on the Center, highlighting some of the key challenges the Center is addressing, such as the incredible traffic congestion in Nairobi.
Recommendations - Top 3 Steps:
Engage with your IBM partners representative to sit down and discuss ‘landing’ opportunities in Africa - how you can leverage the center to expand into the broader Africa market.
Integrate this into you joint IBM business planning to outline your approach and target business outcomes - focus around the key capabilities.
Consider attending the launch event - better understand the opportunities and connect with the Center, worldwide executives, and regional partners and clients who will be attending the launch event.
As we get closer to the launch event, I will share additional information and recommendations on how to get connected in the area.
Related to an earlier post on leveraging the ecosystem peer-to-peer networks, I would also encourage ISV partners to think about connecting with IBM Distributors, Resellers and System Integrators in the region as additional channels to market.