GAP Analysis

Amarit Laorakpong D.Eng.

Data Center Services Director

SUPERNAP Thailand
Agenda

Re-cap IT Strategy
Deliverable
Component of GAP Analysis
Technology Landscape
Gap Analysis Report
Architecture
Big Data Analytic Architecture
Technology Trend
Conclusion
 Project Approach and Deliverable

Diagnosis (2 months) Design (3 months)

Phase Implementation

2. Architecture Design
2.1 Assess gaps and Identify Options
Business and IT Needs
2.2 Design new architecture
1.1 Business objective and 4. Implementation Support
2.3 Define migration path
Module requirements
& Activities Support
Assessment of current IT
3. IT Projects Portfolio Adjustments Skills Transfer
1.2 Architecture
3.1 Assess gaps and identify new projects
1.3 Projects
3.2 Develop business cases
3.3 Prioritize and rationalize projects

Validation of Bank’s business Target architecture

direction Project management
Solution and migration options
Current and future business structure and process
A recommended migration approach
Key requirements and their impacts Project tracking and
Deliverables on IT Specification of all major projects reporting mechanism
Assessment of IT applications Prioritized list of these projects and timetable for Support and skills
and platforms implementation transfer
Assessment of IT projects and Project tracking suggestion
IT spend
Assessment of relevant industry
and technology trends
Business objective and
Requirements
 Business Objective
and Requirements
Consultant has defined target Business Requirements for the bank based on best practices

The current IT architecture of the bank presents some areas of concerns, but no critical problems
• Good product and channel coverage
• Two key applications require immediate attention

Complex system changes are required to meet the Business Requirements defined
• All areas require changes, but to varying degrees
• Complex issues in information management and application integration

A revolution in project management culture is required to support this complex IT transition

• Current IT budget reflects magnitude of business change
• Current project portfolio is a strong starting point, by and large aligned to the changes
required, but
• No project portfolio management tools and processes are in place
• Individual project management skills are very poor
 KEY SUCCESS FACTORS & CAPABILITIES IN UNIVERSAL BANKING

Corporate
Channel Risk Mgmt Customer Products Operations Workout Monitoring
Functions

Fin HR TR IT
Retail

Quick, cheap, and

consistent credit Consolidated
decisions view of customer Ability for product

Integrated view on ALM, market and operational risk

profile, wallet, bundling including

Project portfolio mgmt driven by business needs

Auto feed / reconciliation of transactions and GL

Individual career development and support

Ability to quickly • Leverage 3rd and potential 3rd party offering
convey and party data
convert sales Understanding
opportunities Designed for cost- profitability
effective delivery Immediate action • Retail portfolio
Centralized
and processing with defaulters • SME segment
S processing
• Corp customer
M
E Prioritization ,
Ability to share or
planning, contact Simple, timely, and
outsource
mgmt, and tracking consistent track of
activity and
financials
Consistent and
sophisticated credit Deep knowledge
rating, risk pricing, about customer,
behavior tracking
Corporate

industry, and
Multi-channel portal trends
• Leverage 3rd- Relationship
access for all
party data bundling and
customer financial
pricing
needs
 EACH BUSINESS REQUIREMENT HAS BEEN DETAILED 

Both World-class And 3-Year Target Achievement

Corporate
Channel Risk Mgmt Customer Products Operations Workout Monitoring
Functions
Retail
SME

Description

Function

Data
3-yr SCB Target World-class
SLA
Corporate
 KEY 3-YR TARGET FUNCTIONALITIES / SLA FOR RETAIL

Summary

Channel Risk Mgmt Customer Products Operations Workout Monitoring

Retrieval of Collections
customer and planning and
contact data cross contact mgmt real-
channels real-time time MIS query
Validation of data Develop, bundle, systems with
Data validation Daily customer
Identify sales and routing and initiate use of One-point data 1-day data lag
real-time default reports
opportunities real-time product suite real- input with entry
cross-channel in time validation in real- Daily tracking of
Application Daily tracking
real-time Integrate data cross time financial metrics
routing + track report
channels + present Integrate to 3rd party
real-time
Support sales with real-time provider real time 75% processes Portfolio
product real-time flow profitability
Conditional
presentation and Contact update and Update decision analysis at
decisions in
triggers real time usage tracking in authority daily Ability to integrate month-end
1 minute
real-time with outside
Warm-transfers Bundle profitability service provider in Monthly tracking
Real-time check
real-time Verify data estimated real time real-time 24x7 of activity
to credit
consistency in with costs updated metrics
database
Tiered service 1 day daily Back Office SLA
standards in real- tracking report in 1 SLA
Daily alert on
time Data mining, 1-day tracking of mos
trigger events

Real-
time
planning, and campaign success
and calendar
assignment
Daily alert of updated in 1 day
declining rating
(for revolving Summary report

Day
daily

1
products)

Month
1
Existing Architecture
 Project Approach and Deliverable

Diagnosis (2 months) Design (3 months)

Phase Implementation

2. Architecture Design
2.1 Assess gaps and Identify Options
Business and IT Needs
2.2 Design new architecture
1.1 Business objective and 4. Implementation Support
2.3 Define migration path
Module requirements
& Activities Support
Assessment of current IT
3. IT Projects Portfolio Adjustments Skills Transfer
1.2 Architecture
3.1 Assess gaps and identify new projects
1.3 Projects
3.2 Develop business cases
3.3 Prioritize and rationalize projects

Validation of Bank’s business Target architecture

direction Project management
Solution and migration options
Current and future business structure and process
A recommended migration approach
Key requirements and their impacts Project tracking and
Deliverables on IT Specification of all major projects reporting mechanism
Assessment of IT applications Prioritized list of these projects and timetable for Support and skills
and platforms implementation transfer
Assessment of IT projects and Project tracking suggestion
IT spend
Assessment of relevant industry
and technology trends
CURRENT RETAIL APPLICATION ARCHITECTURE

Channel Risk Mgmt Customer Products Operations

Present & Navigate Manage Customer Administer Product

Content Target Customers Assess Application Record Product Usage Execute Transaction Settle Transactions
Information Agreements

Branch Channels Branch Sales Support Foreign Remittance & Collection Service
FRC FRC

Finesse
Credit Card Product
CT2 Counselor
FBS (Credit Card)
Web SAFE
Guaranteed Loans
Web Credit GRE

Qck Statement
Personal Loans
NCD

RBCE
BE PLPS PLPS
Black List

SIS
COS

RB Credit

CIF Web (Transaction DWH)

Call Center

Counselor
Other Loans
SCCS (Call Cent)

RBCI
Virtual Channels
Branch Deposits
Mobile
Open A/C
SCB Easy Net 40
SAFE

NRB
PDA
Internet Deposits ATS
Telebanking
SCB Easy Net DTC

Self-Service Channels

SSPU M Cheque/Gift Cheque Service

M Cheque/Gift Cheque
CDM
Unit
ATM Trusts OEF Registrar

POS Primary Market System

NCD
EDC
BE
Smartcard

Smartcard Product
FCD Teller Screen Smartcard
FCD
Foreign Currency
Deposit FCD
O/S Teller Screens

IBS
Overseas Branches

FX Specific Channels IBS

CFE
Foreign Exchange Service
FEB CFE
Components of GAPS Analysis

Identify Target Architecture

Technology Trend
Business Requirement
Current Architecture
Design new architecture
Identify Options (Replace (Cloud, package, build),
Upgrade, outsource, share with others)
Define migration paths
Technology Trend
GAPS Analysis Reports
Architecture
 Assess gaps and Identify Options
BANK-WIDE TARGET FUNCTIONAL ARCHITECTURE

Management Decision Support

Profitability analysis Risk Analysis Performance Analysis Ad-Hoc Analysis/Reporting Periodic Reporting

Enterprise Data Warehouse

Delivery Channel Customer & Segment Management Product Processing & Administration Corporate Function

Full Service Retail CRM Customer

Information. File Finance & Accounting
Credit Card
Customer
Campaign Mgmt Analytics
Branch Trans. Branch Sales & Svc. General Ledger
Credit

Product Bundling
Contact Mgmt Marketing
(Inbound & Outbound) Information
Call Center Sales & Deposit Budgeting
Call Center Trans. Svc.
Retail Loan Approval
Payment Fixed Assets
Retail I’net Sales &
Retail I’net Trans.
Svc. Loan Orig. Risk Scoring 3rd Party
Standing Data Accounts Payable

Corporate CRM Other

Corporate I’net Portal

Planning/Targeting Treasury
Limited Service Trade Finance
Account Mgmt Account Details
(Group Structure, Mgmt Profile, Contact, Trading
Leads, Pricing) Treasury
Telephone Banking

Corporate Loan Approval Liquidity Mgmt Limit Mgmt

Corporate Collection
ATM
Cred. Rating 

Loan Orig. & Pricing Corporate Payment Portfolio Mgmt
POS

Credit Recovery Deal Settlement & Accounting

EDC
Post Default Alert Planning/ Prioritization Collection/ Contact Mgmt Restructuring & Litigation

Shared Support

Procurement HR General Admin IT

 Management decision support
Ad-hoc analysis / report - Periodic report – DW, Excel, host
Profitability analysis - OFSA Risk analysis Sales and marketing analysis Performance analysis Cognos(?), Excel batch

Metadata repository Enterprise data warehouse - DW

Delivery Channel Customer & Segment Management Product Processing & Administration Corporate Function

Bank Operated Retail CRM

Credit card - FBS Treasury

Branch - Finesse Campaign mgmt -

Targeting Counselor
Saving/Deposit - SAFE Trading – PD, MMF

SME Center

Product Development and Bundling Platform

Service request Lead mgmt - Credit/Lending – RB Credit
mgmt Counselor Limit Management

Customer Information File – RB CI

Call Center - SCCS Payment – SIPS, EBPP, ATS
Retail Loan Approval
Portfolio Management
Self-services Other products – M/G-Cheque, FCD, LG, Aval,
Common Service Delivery

Process Flow - etc.

Credit Scoring - PLPS
PLPS
Deal settlement
POS 3rd party product & Accounting – ATB, TRB
Corporate CRM
(e.g. investment, insurance)

ATM – ATM/Tandem Planning / targeting Trade finance - Eximbill Financials – FIS

Account mgmt Treasury – PD, MMF, ATB, TRB

EDC (lead mgmt, pricing) General Ledger

Liquidity mgmt
Corporate collection – ATS, BC,
Corporate Loan Approval Media Cl., etc.
Telephone Banking - Telebanking Account Payable

Process Flow - CBS Credit Rating - CBS Corporate payment – ATS, BahtNet,
SWIFT, RTGS, etc.
Retail Internet – SCB Easy Net Fixed Asset

Credit recovery
Corporate Internet – SCB Biz Net, Budgeting
Planning / Prioritization - Collection/ Contact Restructuring and
SCB Cash Post default alert - CLS
CLS Management - CLS Litigation

Shared support
Procurement HR - PIS General admin IT – Omegamon, System View, etc.
 Management Decision Support

Profitability analysis Risk Analysis Ad-Hoc Analysis/Reporting Periodic Reporting

(CIF Web) Performance Analysis (KPIs) (CIF Web) (DWH, Excel, etc)
(OFSA / CPC Project)

Enterprise Data Warehouse (DWH)

Delivery Channel Customer & Segment Management Product Processing & Administration Corporate Function

Full Service Retail CRM Customer

Information. File Finance & Accounting
Credit Card (FBS)
Customer
Branch Trans. Branch Sales & Svc. Campaign Mgmt Analytics General Ledger
(Mineset)

Product Bundling (CBS)

(Finesse) (Counselor) (CBS)
Credit (RB Credit)
Contact Mgmt Marketing
(Inbound & Outbound) Information Budgeting
Call Center Trans. Call Center Sales & Deposit (CBS) (CBS)
(ePoint) Svc.(ePoint)
Retail Loan Approval
Payment (ATS, DTC, SIPS, EBPP) Fixed Assets
(FA)
Retail I’net Trans. Retail I’net Sales &
(SCB Easy Net) Svc. Loan Orig. (PLPS, Risk Scoring
SIS) (PLPS) 3rd Party
Standing Data Accounts Payable
(CBS) (AP)
Corporate I’net Portal Corporate CRM Other (M/G Cheque, FCD, GRE)
(New Corporate Portal)

Planning/Targeting Treasury
Limited Service Trade Finance (Eximbills)
Account Details
Account Mgmt Trading
(Group Structure, Mgmt Profile, (CBS)
Contact, Leads, Pricing) (Reuters)
Telephone Banking Treasury (Reuters, MISYS)
(ePoint)
Corporate Loan Approval Limit Mgmt

Liquidity Mgmt
Corporate Collection
(ATS, BC, Media Clearing) (Reuters)
ATM
(Tandem)
Loan Orig. (New Cred. Rating &
Pricing Corporate Payment
System) Portfolio Mgmt
(New Tool) (ATS, Bahtnet, SWIFT, RTGS) (Reuters)
POS
(POS System)
Credit Recovery Deal Settlement & Accounting
(MISYS)
EDC
(EDC System) Post Default Altert Collection/ Contact Mgmt Restructuring & Litigation
Planning/ Prioritization (CLS)
(RB Monitor, CLS) (CLS) (LIS, Exlis)

Shared Support

Procurement HR (PIS) General Admin IT (Omegamon, Help Desk, Project Mgmt)

System in place, no limitations

No system in place System in place but with some limitations
Architecture for Big Data Analytics
Technology Landscape
Digital Business Algorithmic Business
 Analog and Digital leaders

Analog leaders are

executives who apply IT to
create online versions of
current business concepts,
resulting in e-commerce, e-
stores, e-markets, e-book,
etc. Their digital
transactions merely
optimize existing business
models that are based on
aging technologies
 Analog and Digital leaders

Digital leaders, in contrast,

are technology-savvy
executives who create new
value and revenue using
digital technology to build
digital business that transform
value, revenue and
performance. The digital
business goes beyond
advertising and “freemium”-
based business models, to
transform business based on
the emerging “Internet of
things”
 Digitalizing the Business

Enterprises are
experienced in
applying technology to
operations, but in
general they are
novices in using digital
technology to generate
new sources of value
and revenue, a
process we call
digitalization
 Technology Trend
• Digital Mesh

1. Device Mesh

2. Ambient User Experience

3. 3D Printing Materials

• Smart Machines

4. Information of Everything

5. Advanced Machine Learning

6. Autonomous Agents & Things

• New IT Reality

7. Adaptive Security Architecture

8. Advanced Systems Architecture

9. Mesh App & Service Architecture

10. IOT Architecture & Platforms

1. Device Mesh is Dynamic and Pervasive

A Shifting Set
of Endpoints

On the Desk
With a Person
In the Environment
 2. Ambient User Experience
Contextual Apps
& Services

Personalised for Each

Task and Behaviour

Across the Dynamic

Device Mesh

App Design Focus Shifts to the Mesh

• Multiple devices
• Responsive Devices
• Expanded I/O Channels
• Wireless Ubiquity
• Trusted Feeds
• Cloud Services
• Sensored Spaces
• Ensemble Flows
 3. 3D Printing Materials
Advanced Materials Create High-Value Innovation Opportunities
• Calcium Phosphate
• Graphene
• Conductive Ink
• Advanced Nickel Alloys
• Glass
• Electronics
• Food
• Bioinks
• Pharmaceuticals
• Canon Fiber
• Kevlar
• Fiberglass
3. 3D Printing in Aerospace
3. 3D Printing and Assembling Entire
Products
3. 3D Printing in Life Sciences
 4. Information of Everything
• Information is the “Life Blood” of the digital business

• IOT 25B Things by 2020

• Internet of People: 1.35 B Active users

• Turning Information Into Actions With Algorithms

• Source information from across the business

ecosystem

• Consider all types of information

• Identify the information needed for actions that

matter

• Open access via APIs and manage information risk

• Leverage advanced analytics, ontologies and graphs

• Prepare to feed your learning machine

5. Advance Machine Learning
Smart Machines Enabled By Machine
Learning
• Deal With Complexity

• Make Probabilistic Predictions

• Actively Adapt

• Passively Learn

• Act Autonomously

• Appear to Understand

• Reflect a Well-Scoped Purpose

6. Autonomous Agents & Things

Smart Camera Systems Robots

Intelligent Sensors Drones
Smart Appliances Driverless Vehicles

Translation & Speech to Text Virtual Customer Assistants

Smart Security & Operations Virtual Personal Assistants
Smart Enterprise Apps Smart Advisors
6. Pilot from Waverly Lab
6. Autonomous Vehicles
6. The Smart Autonomous and Invisible User Experience
7. The Adaptive Security Architecture

Predict Block/Prevent
Proactive ExposureAssessment Harden and Protect Applications
Predict Attacks Divert Attackers
Baseline Systems Prevent Incidents

Continuous
Monitoring
and
Analytics Detect
Respond Detect Incidents
Remediate/Make Change
Confirm and Prioritize
Design/Model Change
Investigate/ Forensics Contain Incidents
7. Enable Applications to Protect Themselves

Application Application Application

Development Testing Production
Application
Source Code

Test Production Diagnostic

Diagnostic Production Protection

Security Aware Run Time

Application Design Application Self-protection
 8. Advanced Systems Architecture
GPUs Provide Scaling … and Not Just for Graphics

2007 2008 2011 2015

Million of Connections 1 10 1,000 100,000

Platform CPU GPU GPU FPGA

10,000x GPU Improvement

 8. Field Programmable Gate Arrays

Microsoft : Bing & Deep Learning

IBM : Watson, Netezza, Data

Power Gateway

Facebook : Facial Recognition

9. Mesh App & Service Architecture
Containers: New Target for Virtualization

•Improved platform configuration consistency and faster image loading

• Increased workload density
•Shared repository of platform stacks and code
• Immature runtime isolation issues
•Container orchestration battles and ecosystem volatility
 9. Mesh App & Service Architecture
App and Service Architecture for the Digital Mesh

Cloud computing and microservices are the foundation

• Cloud is the coordination point and system of record

• User experience is delivered across a mesh of devices

• Synchronization and device shifting

• Complimentary apps and ensemble apps

• The experience flows to the user in context

• The environment is the computer

 10. IoT Architecture & Platforms
IoT Platforms Face Maturity Challenges

Through 2018, there will be no dominant IoT ecosystem platform; IT leaders

will still need to compose IoT solutions from multiple providers

•Secure to ensure policy compliance

•Configure for specific implementations
•Augment to meet functional requirements
•Integrate into back-end systems
 10. IoT Architecture & Platforms
Manage IoT Platform(s) Adoption Across the Enterprise

Plan now to
minimize
architectural debt!
Conclusion
• Digital technologies and new business models are driving
a fundamental transformation of the entire economy,
shifting demographics, rising customer expectations and
changing regulations is a key of changed

• IT is one of a competitive advantage for all industry

• Analytical and big data is one of the competitive

advantage for all companies to grow

• FinTech will drive innovation in Banking and payment

systems
ขอบคุณครับ
amaritlao@gmail.com
amarit@supernap.co.th