Designing the Digital Bank One Pillar at a Time
公司规模
1,000+
地区
- America
国家
- United States
产品
- Digital Business Platform
- webMethods
- Alfabet
- Apama
技术栈
- Application Integration
- Enterprise Architecture and Portfolio Management
- Streaming Analytics
实施规模
- Enterprise-wide Deployment
影响指标
- Cost Savings
- Digital Expertise
- Innovation Output
技术
- 分析与建模 - 实时分析
- 应用基础设施与中间件 - API 集成与管理
- 应用基础设施与中间件 - 数据交换与集成
适用行业
- 金融与保险
适用功能
- 商业运营
用例
- 预测性维护
- 过程控制与优化
- 实时定位系统 (RTLS)
服务
- 软件设计与工程服务
- 系统集成
关于客户
The financial institution in this case study is one of the largest banks in the U.S. and the world with trillions in assets and hundreds of thousands of employees. The bank serves tens of millions of customers with banking, insurance, investments, mortgage, and consumer and commercial finance services. This bank consistently ranks within Fortune’s rankings as one of America’s largest corporations. Since its founding, the bank has witnessed sweeping historic changes—from the Great Depression to the Dot-Com Bubble and now the do-or-die Age of Digitalization for traditional bricks-and-mortar banks.
挑战
The bank, one of the largest in the U.S. and the world, is facing new market dynamics born of the digital age. Digitally savvy customers today expect more, like omni-channel banking, and they have more choices in banks like FinTechs. This is forcing traditional banks to rethink how they compete and operate. The bank is also facing regulatory challenges. As regulatory requirements expand, the bank needs insights into operations. Regulations like Dodd-Frank demand it. Without full visibility into its 4,000+ applications, the bank was in the gunsights of such penalties.
解决方案
The bank is investing more in Software AG’s Digital Business Platform. The bank first invested in webMethods to help integrate its biggest business, B2B wholesale banking. With webMethods, for instance, the bank is able to process roughly $30 trillion in payments yearly. By adding Apama and Alfabet, the bank is further retooling to become more agile, more customer-centric and more innovative. The bank is testing new technologies—like Artificial Intelligence (AI) and streaming analytics— to deliver newfound capabilities. In 2015, the bank adopted Apama Streaming Analytics to mine insights for real-time customer engagement. The bank bought Alfabet in 2017 after a one-year, multi-million-dollar application rationalization project by consultants failed to reduce applications.
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