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Metabanka - Define and control your bank

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Metabanka is a versatile banking tool designed to simplify the management of customer relationships, products, and services within digital banking. It offers a model-driven approach that allows for rapid configuration of banking products and customer-focused services without the need for programming, facilitating quick market adaptability. Comprehensive functionalities include customer management, product offering, pricing, billing, and process management, all within a scalable, user-friendly interface.

Economy & Finance
Related topics:
product-management • Process Management
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Metabanka® Define and control your bank http://metada.com/
Introduction We help to simplify banks. Metabanka is a tool that banks use to solve cross-functional problems and translate business solutions into IT. Metabanka © 2015 Metada s.r.o.
Metabanka Customer management for modern digital banking Offering and campaigns based on advanced pricing and offering rules applied to semantically rich structures Hierarchical parametrization of Products and services Quickly configurable sales processes and customer facing frontends Metabanka © 2015 Metada s.r.o.
Metabanka BusinessOverview Metabanka © 2015 Metada s.r.o.
Metabanka Business Overview Metabanka © 2015 Metada s.r.o.  Business tool for flexible and effective management of:  Customers  Products and services  Offers, pricing and fees  Enables quick and easy creation and offering of individually configured products for customers based on their financial behavior, history, and needs.  Increasing sales  Improving customer experience and satisfaction
Metabanka Banking Model Metabanka © 2015 Metada s.r.o.  Accounts  Cards  Loans  Investments  Insurance  Transactions  Services  Statements These ready to use definitions and components may be quickly configured into new innovative banking products and services, or their variations. Metabanka contains comprehensive library of standard banking concepts:
Metabanka Model-Driven Banking Metabanka © 2015 Metada s.r.o.  Simple visualization  For customers an offer is the cornerstone:  Contains products  Contains operations  Contains prices and fees  …and other relevant settings  Model of banking services  Highly reusable solution even during significant restructurings of offered products.
• Products and services • Product and service definitions • Operation definitions (e.g. ATM withdrawal) • Offers (product portfolios) • Offer definition • Operation settings • Configuration of default values for product rates and fees • Customers • Definition of customer segments • Individual rates configuration • For customer segment • For customer Metabanka Simplicity andVariability Metabanka © 2015 Metada s.r.o.
Metabanka Design and Runtime Metabanka © 2015 Metada s.r.o.  Metabanka design tool  Create models of  Customers  Products and operations  Offers, prices, fees  Create simulations  Testing  What-if analyses  Metabanka runtime engine  Running banking models and simulations  Versioned metadata storage  Large-scale instance data storage
Metabanka Simple Design and Modeling Metabanka © 2015 Metada s.r.o.  No programming  Banking business logic separated from implementation technologies  Only modeling  Simple to comprehend models with no need to understand program code  Banking domain experts are able to read and understand bank models and their parts  Bank model with products, offers, pricing is firmly in the hands of the bank - knowhow preservation  Platform and technology independent  Model interpreters that run the bank models may be realized in various currently modern technologies
Metabanka Product Creation and Change Cycle Metabanka © 2015 Metada s.r.o. In order to be flexible, a bank needs to be able to quickly react to changing market situations and customer requirements. Built on comprehensive banking foundations and enabling high level of customization, product change in Metabanka is question of few minutes, without need to program anything! Deployment of whole new product portfolio is therefore only matter of days or weeks.
MetabankaTeam Support andVersioning Metabanka © 2015 Metada s.r.o.  Versioning based on GIT  History of all changes  Private development branches – sandboxes enabling local application and testing of changes without impact on other users  Avoiding conflicts with changes of other team members  High team effectiveness and coordination  Safe testing of new product configurations within existing models  Revert – possibility to revert recent changes or return to any historical state of the model
Metabanka Wide Integration Possibilities Metabanka © 2015 Metada s.r.o.  Metabanka is ready to take advantage of existing systems within the bank
Metabanka Benefits Overview Metabanka © 2015 Metada s.r.o.  Precise definition and scope  Pre-built banking language and library  Know-how how to structure products, offers, prices  What-if analyses  Simulation on typical customer profiles  System dynamics testing including transactions and clearances for the whole product lifecycle  User interface and governance  Multi-user web-based environment  Versioning, sandboxes, testing, simulations  Robust and scalable  Able to support bank with 100 mil. customers  Built for scalable cloud infrastructure  No programming  Fully configurable by business analysts
Metabanka Functionalities Overview Metabanka © 2015 Metada s.r.o.
Metabanka Coverage Metabanka Customer Product Catalog Pricing & Offering Billing Processes Frontends Metabanka © 2015 Metada s.r.o.
Metabanka Coverage Customer management Product catalog Product pricing, offering, & billing Process management Frontend applications Metabanka © 2015 Metada s.r.o.
Metabanka Customer Management Why customer management? Understanding customer from many perspectives Increasing customer engagement by being relevant Customer experience under top-management control Customer-centric opportunity and agreement management Metabanka © 2015 Metada s.r.o.
Metabanka Product Management Why product management? Same products across channels Consolidation of product portfolio Platform for cross-department coordination Enabler for central pricing Metabanka © 2015 Metada s.r.o.
Metabanka Product Management Product •Configuration Offer •Price Customer •Individual Rates Metabanka © 2015 Metada s.r.o.
Metabanka Product Management Metabanka © 2015 Metada s.r.o. Consumer Loan • Loan amount [min 4k, max 20k] • Security = none Credit Card • Loan amount [max 4k] • Security = none American Mortgage • Loan amount [min 20k] • Security = property Loan • Loan amount • Maturity duration • Security Product information and hierarchies Sets of properties with restrictions Pricing and offering rules and conditions
Metabanka Product Offering Why product offering? Customer-centric approach Offering products relevant to the customer  Current life situation  Products already utilized  History Metabanka © 2015 Metada s.r.o.
Metabanka Product Offering Metabanka © 2015 Metada s.r.o. Offer • Customer type • Channel • Region • Eligibility Product • Eligibility • Suitability Offer • Customer type • Channel • Region • Eligibility Product • Eligibility • Suitability Product • Eligibility • Suitability What CAN we offer to the customer? What do we WANT to offer to the customer? WHY do we offer what we offer?
Metabanka Product Pricing Why product pricing? Consistent pricing across channels Individualized pricing based on customer insight What-if analyses and simulations Quick price creation and changes Metabanka © 2015 Metada s.r.o.
Metabanka Product Pricing Metabanka © 2015 Metada s.r.o. Offer Product Operation • Action • Action Operation • Action Standard Offer Loan Monthly Interest • Rate = 2% Visa Classic ATM Withdrawal • Fee = [0,2 - 0,5] Limit Setup • Fee = 2 Operations that can be performed with a product or customer Actions: fee, interest, bonus, clearance  Basic pricing in widely eligible offers  Extended pricing in special offers Contract • Individual pricing
Metabanka Billing Why billing? Accounting based on actual transactions, e.g.  Transaction fees aggregated per month  Turnover-based bonus Metabanka © 2015 Metada s.r.o.
Metabanka Billing Metabanka © 2015 Metada s.r.o. PaymentFeeAction • Immediate clearance = false Fee, interest, and bonus actions do not have to be immediately accounted  Clearance action enables processing of other actions  Can realize conditions like: „When more than 10 payments, two payments free“ PaymentFeesClearanceAction
Metabanka Process Management Why process management? Efficient reaction to customer needs Coordination of activities across people and departments Enabling people, not limiting Smooth integration into frontend applications Metabanka © 2015 Metada s.r.o.
Metabanka Process Management Metabanka © 2015 Metada s.r.o. Semantically rich problem-specific tasks State-controlled task execution Access to activities by user roles Activities integrated into frontend applications State State State State [role] [role] [role]
Metabanka Frontend Applications Why frontend applications? Channel-specific customer experience Fast user interface creation Quick changes Easy integration to cross- channel services Metabanka © 2015 Metada s.r.o.
Metabanka Frontend Applications Metabanka © 2015 Metada s.r.o. Flows Forms Applications Modern responsive web applications
Bank Model - Simplify and Visualize Metabanka © 2015 Metada s.r.o. Offer Product Operation Offer Product Operation ATM Offer X for Y Product Product Product Operation Operation Operation Operation Operation Product Account Card Current Account Credit Card Debit Card Operation Payment SettingNotification Domestic Payment SMS International Payment Limit Loan
Bank Model - Variable Usage Offer Product Operation Operation Product Operation Operation Product Operation Offer Product Operation Operation Product Operation Operation Product Operation ATM Offer X for Y Product Product Product Operation Operation Operation Operation Operation Metabanka © 2015 Metada s.r.o. Product Account Card Current Account Credit Card Debit Card Operation Payment SettingNotification Domestic Payment SMS International Payment Limit Loan Customer Online Branch and Call Centre
Bank Model - Understand and Cooperate Offer Product Operation Operation Product Operation Operation Product Operation Offer Product Operation Operation Product Operation Operation Product Operation ATM Offer X for Y Product Product Product Operation Operation Operation Operation Operation Metabanka © 2015 Metada s.r.o. Product Account Card Current Account Credit Card Debit Card Operation Payment SettingNotification Domestic Payment SMS International Payment Limit Loan Customer Online Branch and Call Centre Bank Employees
Metabanka Revenue Simulation Standard customer Credit card MC Standard • Number = 4455 • Exp. date = 01/16 • Loan limit = 10 000 • Insurance: Employment ins. • Grace period = 40 days • Validity = 3 years • Limit used = 634 • Disposable balance = 5366 Current account v GBP • Currency = GBP Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Disposable balance • Amount = 2693,95 • Validity = 1.1.2015 Debit card VISA Classic • Number = 2345 • Exp. date = 01/16 • Limit used = 434 Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out • Amount = 250 • Currency = GBP ATM withdrawal • Channel = Other bank ATM • Amount = 4000 • Currency = GBP Outgoing Inbank Payment in GBP • Partner = Payment account v této bance • Direction = Out • Amount = 250 • Currency = GBP Customer Portfolio Performed operations Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP POS payment • Country = CZ • Amount = 2000 • Currency = GBP = 165 GBP 12 months Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP Metabanka © 2015 Metada s.r.o.
Metabanka Revenue Simulation Standard customer Customer Portfolio Performed operations = 165 GBP • Payments (x24) = 141 GBP • POS payments (x45) = 0 GBP • ATM withdrawals (x9) = 24 GBP Credit card MC Standard • Number = 4455 • Exp. date = 01/16 • Loan limit = 10 000 • Insurance: Employment ins. • Grace period = 40 days • Validity = 3 years • Limit used = 634 • Disposable balance = 5366 Current account v GBP • Currency = GBP Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Disposable balance • Amount = 2693,95 • Validity = 1.1.2015 Debit card VISA Classic • Number = 2345 • Exp. date = 01/16 • Limit used = 434 Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out • Amount = 250 • Currency = GBP ATM withdrawal • Channel = Other bank ATM • Amount = 4000 • Currency = GBP Outgoing Inbank Payment in GBP • Partner = Payment account v této bance • Direction = Out • Amount = 250 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP POS payment • Country = CZ • Amount = 2000 • Currency = GBP 12 months Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP Metabanka © 2015 Metada s.r.o.
Metabanka Revenue Simulation Standard customer Customer Portfolio Performed operations = 165 GBP • Payments (24x) = 141 GBP • Outgoing Inbank Payment in GBP (x12) = 6 GBP • Outgoing Interbank Payment in GBP (x12) = 135 GBP • POS payments (x45) = 0 GBP • ATM withdrawals (x9) = 24 GBP Credit card MC Standard • Number = 4455 • Exp. date = 01/16 • Loan limit = 10 000 • Insurance: Employment ins. • Grace period = 40 days • Validity = 3 years • Limit used = 634 • Disposable balance = 5366 Current account v GBP • Currency = GBP Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Disposable balance • Amount = 2693,95 • Validity = 1.1.2015 Debit card VISA Classic • Number = 2345 • Exp. date = 01/16 • Limit used = 434 Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out • Amount = 250 • Currency = GBP ATM withdrawal • Channel = Other bank ATM • Amount = 4000 • Currency = GBP Outgoing Inbank Payment in GBP • Partner = Payment account v této bance • Direction = Out • Amount = 250 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP POS payment • Country = CZ • Amount = 2000 • Currency = GBP 12 months Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP Metabanka © 2015 Metada s.r.o.
Metabanka Revenue Simulation Standard customers Customer Portfolio Performed operations = 14 896 365 GBP • Payments = 12 729 621 GBP • Outgoing Inbank Payment in GBP = 541 686 GBP • Outgoing Interbank Payment in GBP = 12 287 935 GBP • POS payments = 0 GBP • ATM withdrawals = 2 166 744 GBP Junior customers VIP customers 12 months Credit card MC Standard • Number = 4455 • Exp. date = 01/16 • Loan limit = 10 000 • Insurance: Employment ins. • Grace period = 40 days • Validity = 3 years • Limit used = 634 • Disposable balance = 5366 Current account v GBP • Currency = GBP Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Disposable balance • Amount = 2693,95 • Validity = 1.1.2015 Debit card VISA Classic • Number = 2345 • Exp. date = 01/16 • Limit used = 434 Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out • Amount = 250 • Currency = GBP ATM withdrawal • Channel = Other bank ATM • Amount = 4000 • Currency = GBP Outgoing Inbank Payment in GBP • Partner = Payment account v této bance • Direction = Out • Amount = 250 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP POS payment • Country = CZ • Amount = 2000 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP Credit card MC Standard • Number = 4455 • Exp. date = 01/16 • Loan limit = 10 000 • Insurance: Employment ins. • Grace period = 40 days • Validity = 3 years • Limit used = 634 • Disposable balance = 5366 Current account v GBP • Currency = GBP Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Disposable balance • Amount = 2693,95 • Validity = 1.1.2015 Debit card VISA Classic • Number = 2345 • Exp. date = 01/16 • Limit used = 434 Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out • Amount = 250 • Currency = GBP ATM withdrawal • Channel = Other bank ATM • Amount = 4000 • Currency = GBP Outgoing Inbank Payment in GBP • Partner = Payment account v této bance • Direction = Out • Amount = 250 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP POS payment • Country = CZ • Amount = 2000 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP Credit card MC Standard • Number = 4455 • Exp. date = 01/16 • Loan limit = 10 000 • Insurance: Employment ins. • Grace period = 40 days • Validity = 3 years • Limit used = 634 • Disposable balance = 5366 Current account v GBP • Currency = GBP Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Disposable balance • Amount = 2693,95 • Validity = 1.1.2015 Debit card VISA Classic • Number = 2345 • Exp. date = 01/16 • Limit used = 434 Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out • Amount = 250 • Currency = GBP ATM withdrawal • Channel = Other bank ATM • Amount = 4000 • Currency = GBP Outgoing Inbank Payment in GBP • Partner = Payment account v této bance • Direction = Out • Amount = 250 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP POS payment • Country = CZ • Amount = 2000 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP Metabanka © 2015 Metada s.r.o.
Metabanka Architecture Overview Metabanka © 2015 Metada s.r.o.
Modularized Banking Business Metabanka © 2015 Metada s.r.o. Metabanka is the enabling technology for enterprise architecture maturity stage 4. Optimized Core Executable Bank Model Modularized conceptual model of business capabilities that executes in runtime
Metabanka Logical Architecture Coverage Frontend Applications Integration Services Product Management Data Management Process Management Metabanka © 2015 Metada s.r.o.
Metabanka Business Capabilities Coverage Metabanka © 2015 Metada s.r.o. Reference Data External Agency Market Data Party Product Management Sales & Services Channel Specific Cross Channel Sales Marketing Customer Management Servicing Operations & Execution Cards Consumer Services Loans & Deposits Investment Management Market Operations Wholesale Trading Corporate Products Corporate Financing & Advisory Trade Finance Cross Product Operations Account Management Collateral Administration Payments Operational Services Risk & Compliance Bank Portfolio & Treasury Business Analysis Regulations & Compliance Business Support Financial Models https://bian.org/servicelandscape-3-0/
Service Bus Metabanka Logical ArchitectureCoverage Metabanka © 2015 Metada s.r.o. Composite Services Frontend Applications Core Components Integration Services Customer Apps Banker Apps Product Catalog Product Pricing Process Management Master Data Management Party/Agreement/Account Identity Management Document Management Specialist Apps Product Offering Reference Data Management Metadata Management Product Billing Transaction Data
Metabanka Data Management Metabanka © 2015 Metada s.r.o. Data Management Metadata Reference Data Master Data Enterprise Structure Data Transaction Activity Data Transaction Audit Data Semantic, slowly changing data Large volumes of quickly changing data Versioned data models Data instances
Metabanka Metadata Management Top level concepts such as Product, Operation, Offer, Rule, Party, Agreement Full coverage of banking concepts such as Loan, Deposit, Card Possibility to extend metamodel to fit exact needs of the bank Built-in model interpreters for important banking concepts Metabanka © 2015 Metada s.r.o.
MetabankaType Instantiation Metabanka © 2015 Metada s.r.o.  Reduction of duplicate definitions  Use of parent objects as definitions for whole sets of child products
MetabankaType Library (Common Data Model) Product • Activation date Account • Currency Deposit InvestmentLoan • Loan limit • Insurance • Loan amount • Payment frequency TradeCard • Brand • Validity • Internet payments Embossed Credit card Debit card Virtual Contactless Electronic Payment account • Provider • Lokal account nr. • IBAN nr. Statement Config. of st.[1,*] • Format • Frequency • Delivery Notification Config. of notif.[1,*] • Delivery • Language VISA • Brand: VISA MasterCard • Brand: MasterCard Balance • Amount • Validity Notification[1,*] • Notification • Minimal amount Account with maturity • Duration • Maturity date Revolving loan • Grace period Instalment loan • Maturity • Instalment amount Limit • Frequency • Minimum • Maximum Current account Disposable balance • Amount • Validity Term deposit Metabanka © 2015 Metada s.r.o.
Bank-Specific Extension of LibraryTypes Embossed debit card * • Validity = 3 years VISA Classic MasterCard debit MasterCard debit PayPass VISA Classic PayWave Embossed Virtual Contactless Electronic VISA • Brand = VISA MasterCard • Brand = MasterCard Credit card Debit card Current account Disposable balance • Amount • Validity Limit All • Frequency = daily • Minimum = 1 000 • Maximum = 30 000 Limit ATM • Frequency = daily • Minimum = 1 000 • Maximum = 20 000 Credit card MC Standard • Loan limit = 100 000 • Insurance: Employment Ins. • Grace period = 40 days • Validity = 3 years Limit All • Frequency = weekly • Minimum = 1 000 • Maximum = 100 000 Limit ATM • Frequency = weekly • Minimum = 1 000 • Maximum = 20 000 Current account v GBP • Currency = GBP Statement Config. of stat.[1,*] • Format • Frequency • Delivery Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Metabanka © 2015 Metada s.r.o.
Bank- Specific Extension Product • Activation Date Account • Currency Deposit InvestmentLoan • Loan limit • Loan insurance • Loan amount • Payment frequency TradeCard • Brand • Exp. date • Internet payments Embossed Credit card Debit card Virtual Contactless Electronic Payment account • Provider • Local account no. • IBAN no. Statement Config. of stat. [1,*] • Format • Frequency • Delivery Notification Config. of not.[1,*] • Delivery • Language VISA • Brand: VISA MasterCard • Brand: MasterCard Balance • Amount • Validity Notification[1,*] • Notification • Minimal amount Account with maturity • Duration • Maturity date Revolving loan • Grace period Instalment loan • Maturity • Instalment amount Limit • Frequncy • Minimum • Maximum Current account Disposable balance • Amount • Validity Term deposit Current account in this bank • Currency: Supported currency Config. of paper statement [1,*] • Format: Printed • Frequency: Week, Month, Year • Delivery: Post, Courier, Branch Config. of electronic statement [1,*] • Format: PDF, TXT • Frequency: Day, Week, Month, Quarter, Year • Delivery: Email, IB Current account in GBP • Currency: GBP Current account in EUR • Currency: EUR Current account in USD • Currency: USD VISA Credit embossed Metabanka © 2015 Metada s.r.o. Gray concepts are predefined Blue concepts are bank-specific
Product Operations  Operation = specific mechanism + set of activities with values (fee, bonus, interest rate, etc.)  Hierarchy of operation for faster offer definition  Price setting  In operation = price of product without particular offer  In offer = pricelist price  In contract = individual price for given customer Metabanka © 2015 Metada s.r.o.
Operations – Library + Bank-Specific Operation Product operation • Product Payment • Product = Payment account • Currency • Amount • Partner = Payment account • Direction • Payment type • Priority • Channel Domestic payment in GBP • Currency = GBP • Partner = Local payment acc. Payment in other currency • Currency = Other currency Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out Outgoing SEPA Payment under limit • Partner = Other bank SEPA account • Currency = EUR • Direction = Out • Amount = 0.01 .. 50 000 Outgoing SEPA Payment over limit • Partner = Other bank SEPA account • Currency = EUR • Direction = Out • Amount = 50 000 .. Inbank Payment • Partner = This bank payment Card setting • Product = Card • Channel Card limit setting • Channel Card lock setting • Product = Card Internet payment setting • Product = Card End of month Online limit setting • Channel = Direct banking ATM limit setting • Channel = Other bank ATM Branch limit setting • Channel = Local Branch Metabanka © 2015 Metada s.r.o.
Offers for Customers  Offers for customer segments  Eligibility conditions for products  Product set composition  Settings for fees, bonuses, interest rates and other values  It is posible to either define them for the whole offer or customise them for individual customers  Restrictions for individual values can be set  Calculation of values is based on product and customer properties, as well as its history  Any node of the hierarchy can be used for common definition for the underlying products Metabanka © 2015 Metada s.r.o.
Offers Standard offer • eligibility: StandardCustomer Standard package account [0,1] Current account [1,1] Saving account • product: Standard spořicí account Standard current account [1,1] • product: Standard current account Standard current account maintenance • operations: EOM • feeAction = 99 Debit card with travel ins. [1,1] Main > Stand. debit card [1,1] • product: Standard debit card Travel insurance [1,1] • product:Travel insurance Bank ATMWithdrawal • operation: Bank ATMWithdrawal • feeAction: First5Free Other bankATMWithdrawal • operation:Other bank ATMWith. • feeAction = 10 Standard interest rate • operations: EOM • interestRateAction = 0.9 Payments v UK free [0,1] • product: Payments in UK SEPA Payments free [0,1] • product: 2 SEPA payments Payment v UK • operations: Domestic pay. in GBP • feeAction: GBP Payment SEPA Payment • operations: SEPA EUR payment • feeAction: SEPA Payment Debit card [0,*] • product: Debit card Overdraft [0,1] • product:Overdraft Interest rate • operation: EOM • interestRateAction = 15.9 Penalty interest rate • operation: EOM • feeAction = Basic plus 8 Maintenance • operations: EOM • feeAction = 20 Internet banking [1,1] • product: Internet banking SMS Notification • operations: Product Notification • feeAction: Notifications30Free Metabanka © 2015 Metada s.r.o.
Rules  Conditional calculation of value  It is used for evaluation of value of fees, bonuses, interest rates, etc.  Suitability of products for given customers is also evaluated using rules  A rule can be composed of a condition and evaluation parts, or a set of other rules  There are no general rules!  Conditons and evaluations are domain specific  Structure and values are defined by the model  Available parameters are restricted by evaluated products, operations or customers  Explicit meanings of parameters and conditions  The whole portfolio, customer information and history are avilable for use  Arithmetical and logical operators are available  Some product parameters can be readily constructed as calculations of other values  E.g. income summary, average balance, customer characteristics Metabanka © 2015 Metada s.r.o.
Rules Rule: Current account with bonus maintenance Rule • Income over 2 000 Rule • Income up to 2 000 Rule: Income over 2 000 When – >= Then - Multiply Products – Income this month Value – 2 000 Rule – Loyalty discount coeficient Value – 50 Rule: Loyalty discount coeficient When – Subtract Value – 1 Add Rule Discount for deposits over 20 000 Rule Discount for loans over 10 000 Rule Discount for invest. over 20 000 Rule: Income up to 2 000 Then - Multiply Rule – Loyalty discount coeficient Value – 100 Rule: Discount for deposits over 20 000 When – >= Then Deposit – Value in GBP Value – 20 000 Value – 0,25 Rule: Discount for loans over 10 000 When – >= Then Loan – Value in GBP Value – 10 000 Value – 0,25 Metabanka © 2015 Metada s.r.o.
Rule Evaluation Condition Rule Income over 2 000 Product – Income this month >= 2 000 X ConditionRule Income up to 2 000 V Evaluation 10 * Loyalty discount coefficient ConditionRule Loyalty discount coefficient V Evaluation 1 - Loyalty discount coefficient Discount for deposits over 20 000 + Discount for loans over 10 000 + Discount for investments over 20 000 ConditionRule Discount for deposits over 20 000 Discount for … Deposit – Amount in GBP >= 20 000 X ConditionRule Discount for loans over 10 000 Result 0.25Loan – Amount in GBP >= 10 000 V Monthly maintenance fee for Product true true Result 0.75 Result 7.5 Evaluation 0.25 Metabanka © 2015 Metada s.r.o.
Reference Data Management Semantically rich hierarchies of values Provided reference data library can be customised as required by the bank Reference data are used on all levels from data models to data instances Service-oriented and RESTfull web APIs provided Metabanka © 2015 Metada s.r.o.
Reference Data Management Insurance coverageCurrency GBP Natural disaster Foreign currency USD EUR CHF RUB CZK Floods Wind Theft Loss Accident Death Language DE EN SK FR CS Country SEPA Country Country EU Non-EU country Other country Country EHP Eurozone country Switzerland France Germany Slovakia Czech republic Great Britain Poland Collateral Financial Real estate property Claim carProperty Channel 3rd party Branch Contact centre Alternative channel Direct banking IVR Internet banking Headquarters Individual Business Collection box Metabanka © 2015 Metada s.r.o.
Metabanka Technical Overview Metabanka © 2015 Metada s.r.o.
Metabanka Technical Architecture Metabanka Runtime Model Interpreters DesignTool Frontend Applications Metabanka © 2015 Metada s.r.o.
Technical Architecture Metabanka © 2015 Metada s.r.o.
Metabanka Runtime  Runtime environment for banking model execution Uses Metada Metarepository® Includes built-in versioned storage and access control All Metabanka runtime components offer RESTfull services Well defined API provided Support for XML or JSON via HTTPS Metabanka © 2015 Metada s.r.o.
Metabanka Runtime - Performance Optimized Intelligent caching where every computed result cached as long as possible Caching propagated all the way from storage to remote clients Optimized in-memory processing of executable models Frontend logic fully executed on clients to lower server demands Metabanka © 2015 Metada s.r.o.
Metabanka Runtime - Storage Metadata and reference data stored in versioned GIT-based repositories Master data stored in highly scalable Elastic Search storage Environment designed for supporting millions of banking customers with their products and services Metabanka © 2015 Metada s.r.o.
Metabanka Model Interpreters Metabanka © 2015 Metada s.r.o. Model interpreters in Java, Groovy, and JavaScript Implementations of important banking concepts: Operation Action Interpreters Accounting Clearence Fee Loan Interest Bonus Instance Setup Offer Payment Party Setup Product Request Setup Product Setup Yield Interest
Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Uses Metada Metarepository® metamodeling environment Supports multiple agile teams in modern cloud-based environment Uniquely optimized for banking purposes and users
Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Easy to use advanced web-based GUI Continually evolved based on user feedback for past 15 years
Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Advanced pill-box navigation Pills with numbers of subelements
Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Visible columns are configurable Exports into CSV and reports in HTML, PDF, DOC
Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Multi-team parallel development support Private branches with collision avoidance system Safe playing and testing environment
Metabanka DesignTool Metabanka © 2015 Metada s.r.o.
Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Quick search & full-text search
Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Inline Validations Lists filterable by errors and warnings
Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Immediate information about issues
Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Issue markers in object details
Metabanka Frontend Applications Responsive web applications running on various devices Based on technology- independent application models User interfaces based modern technologies (e.g. React) Clean web APIs with RESTfull clients sending JSON over HTTPS Metabanka © 2015 Metada s.r.o.
Metabanka Frontend Applications Metabanka © 2015 Metada s.r.o.
Thank you http://metada.com/ Petr Smolik, Ph.D., CEO Tel: +420 777 638 232 E-mail: petr.smolik@metada.com Metabanka © 2015 Metada s.r.o.

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Metabanka - Define and control your bank

  • 1. Metabanka® Define and control your bank http://metada.com/
  • 2. Introduction We help to simplify banks. Metabanka is a tool that banks use to solve cross-functional problems and translate business solutions into IT. Metabanka © 2015 Metada s.r.o.
  • 3. Metabanka Customer management for modern digital banking Offering and campaigns based on advanced pricing and offering rules applied to semantically rich structures Hierarchical parametrization of Products and services Quickly configurable sales processes and customer facing frontends Metabanka © 2015 Metada s.r.o.
  • 5. Metabanka Business Overview Metabanka © 2015 Metada s.r.o.  Business tool for flexible and effective management of:  Customers  Products and services  Offers, pricing and fees  Enables quick and easy creation and offering of individually configured products for customers based on their financial behavior, history, and needs.  Increasing sales  Improving customer experience and satisfaction
  • 6. Metabanka Banking Model Metabanka © 2015 Metada s.r.o.  Accounts  Cards  Loans  Investments  Insurance  Transactions  Services  Statements These ready to use definitions and components may be quickly configured into new innovative banking products and services, or their variations. Metabanka contains comprehensive library of standard banking concepts:
  • 7. Metabanka Model-Driven Banking Metabanka © 2015 Metada s.r.o.  Simple visualization  For customers an offer is the cornerstone:  Contains products  Contains operations  Contains prices and fees  …and other relevant settings  Model of banking services  Highly reusable solution even during significant restructurings of offered products.
  • 8. • Products and services • Product and service definitions • Operation definitions (e.g. ATM withdrawal) • Offers (product portfolios) • Offer definition • Operation settings • Configuration of default values for product rates and fees • Customers • Definition of customer segments • Individual rates configuration • For customer segment • For customer Metabanka Simplicity andVariability Metabanka © 2015 Metada s.r.o.
  • 9. Metabanka Design and Runtime Metabanka © 2015 Metada s.r.o.  Metabanka design tool  Create models of  Customers  Products and operations  Offers, prices, fees  Create simulations  Testing  What-if analyses  Metabanka runtime engine  Running banking models and simulations  Versioned metadata storage  Large-scale instance data storage
  • 10. Metabanka Simple Design and Modeling Metabanka © 2015 Metada s.r.o.  No programming  Banking business logic separated from implementation technologies  Only modeling  Simple to comprehend models with no need to understand program code  Banking domain experts are able to read and understand bank models and their parts  Bank model with products, offers, pricing is firmly in the hands of the bank - knowhow preservation  Platform and technology independent  Model interpreters that run the bank models may be realized in various currently modern technologies
  • 11. Metabanka Product Creation and Change Cycle Metabanka © 2015 Metada s.r.o. In order to be flexible, a bank needs to be able to quickly react to changing market situations and customer requirements. Built on comprehensive banking foundations and enabling high level of customization, product change in Metabanka is question of few minutes, without need to program anything! Deployment of whole new product portfolio is therefore only matter of days or weeks.
  • 12. MetabankaTeam Support andVersioning Metabanka © 2015 Metada s.r.o.  Versioning based on GIT  History of all changes  Private development branches – sandboxes enabling local application and testing of changes without impact on other users  Avoiding conflicts with changes of other team members  High team effectiveness and coordination  Safe testing of new product configurations within existing models  Revert – possibility to revert recent changes or return to any historical state of the model
  • 13. Metabanka Wide Integration Possibilities Metabanka © 2015 Metada s.r.o.  Metabanka is ready to take advantage of existing systems within the bank
  • 14. Metabanka Benefits Overview Metabanka © 2015 Metada s.r.o.  Precise definition and scope  Pre-built banking language and library  Know-how how to structure products, offers, prices  What-if analyses  Simulation on typical customer profiles  System dynamics testing including transactions and clearances for the whole product lifecycle  User interface and governance  Multi-user web-based environment  Versioning, sandboxes, testing, simulations  Robust and scalable  Able to support bank with 100 mil. customers  Built for scalable cloud infrastructure  No programming  Fully configurable by business analysts
  • 17. Metabanka Coverage Customer management Product catalog Product pricing, offering, & billing Process management Frontend applications Metabanka © 2015 Metada s.r.o.
  • 18. Metabanka Customer Management Why customer management? Understanding customer from many perspectives Increasing customer engagement by being relevant Customer experience under top-management control Customer-centric opportunity and agreement management Metabanka © 2015 Metada s.r.o.
  • 19. Metabanka Product Management Why product management? Same products across channels Consolidation of product portfolio Platform for cross-department coordination Enabler for central pricing Metabanka © 2015 Metada s.r.o.
  • 21. Metabanka Product Management Metabanka © 2015 Metada s.r.o. Consumer Loan • Loan amount [min 4k, max 20k] • Security = none Credit Card • Loan amount [max 4k] • Security = none American Mortgage • Loan amount [min 20k] • Security = property Loan • Loan amount • Maturity duration • Security Product information and hierarchies Sets of properties with restrictions Pricing and offering rules and conditions
  • 22. Metabanka Product Offering Why product offering? Customer-centric approach Offering products relevant to the customer  Current life situation  Products already utilized  History Metabanka © 2015 Metada s.r.o.
  • 23. Metabanka Product Offering Metabanka © 2015 Metada s.r.o. Offer • Customer type • Channel • Region • Eligibility Product • Eligibility • Suitability Offer • Customer type • Channel • Region • Eligibility Product • Eligibility • Suitability Product • Eligibility • Suitability What CAN we offer to the customer? What do we WANT to offer to the customer? WHY do we offer what we offer?
  • 24. Metabanka Product Pricing Why product pricing? Consistent pricing across channels Individualized pricing based on customer insight What-if analyses and simulations Quick price creation and changes Metabanka © 2015 Metada s.r.o.
  • 25. Metabanka Product Pricing Metabanka © 2015 Metada s.r.o. Offer Product Operation • Action • Action Operation • Action Standard Offer Loan Monthly Interest • Rate = 2% Visa Classic ATM Withdrawal • Fee = [0,2 - 0,5] Limit Setup • Fee = 2 Operations that can be performed with a product or customer Actions: fee, interest, bonus, clearance  Basic pricing in widely eligible offers  Extended pricing in special offers Contract • Individual pricing
  • 26. Metabanka Billing Why billing? Accounting based on actual transactions, e.g.  Transaction fees aggregated per month  Turnover-based bonus Metabanka © 2015 Metada s.r.o.
  • 27. Metabanka Billing Metabanka © 2015 Metada s.r.o. PaymentFeeAction • Immediate clearance = false Fee, interest, and bonus actions do not have to be immediately accounted  Clearance action enables processing of other actions  Can realize conditions like: „When more than 10 payments, two payments free“ PaymentFeesClearanceAction
  • 28. Metabanka Process Management Why process management? Efficient reaction to customer needs Coordination of activities across people and departments Enabling people, not limiting Smooth integration into frontend applications Metabanka © 2015 Metada s.r.o.
  • 29. Metabanka Process Management Metabanka © 2015 Metada s.r.o. Semantically rich problem-specific tasks State-controlled task execution Access to activities by user roles Activities integrated into frontend applications State State State State [role] [role] [role]
  • 30. Metabanka Frontend Applications Why frontend applications? Channel-specific customer experience Fast user interface creation Quick changes Easy integration to cross- channel services Metabanka © 2015 Metada s.r.o.
  • 31. Metabanka Frontend Applications Metabanka © 2015 Metada s.r.o. Flows Forms Applications Modern responsive web applications
  • 32. Bank Model - Simplify and Visualize Metabanka © 2015 Metada s.r.o. Offer Product Operation Offer Product Operation ATM Offer X for Y Product Product Product Operation Operation Operation Operation Operation Product Account Card Current Account Credit Card Debit Card Operation Payment SettingNotification Domestic Payment SMS International Payment Limit Loan
  • 33. Bank Model - Variable Usage Offer Product Operation Operation Product Operation Operation Product Operation Offer Product Operation Operation Product Operation Operation Product Operation ATM Offer X for Y Product Product Product Operation Operation Operation Operation Operation Metabanka © 2015 Metada s.r.o. Product Account Card Current Account Credit Card Debit Card Operation Payment SettingNotification Domestic Payment SMS International Payment Limit Loan Customer Online Branch and Call Centre
  • 34. Bank Model - Understand and Cooperate Offer Product Operation Operation Product Operation Operation Product Operation Offer Product Operation Operation Product Operation Operation Product Operation ATM Offer X for Y Product Product Product Operation Operation Operation Operation Operation Metabanka © 2015 Metada s.r.o. Product Account Card Current Account Credit Card Debit Card Operation Payment SettingNotification Domestic Payment SMS International Payment Limit Loan Customer Online Branch and Call Centre Bank Employees
  • 35. Metabanka Revenue Simulation Standard customer Credit card MC Standard • Number = 4455 • Exp. date = 01/16 • Loan limit = 10 000 • Insurance: Employment ins. • Grace period = 40 days • Validity = 3 years • Limit used = 634 • Disposable balance = 5366 Current account v GBP • Currency = GBP Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Disposable balance • Amount = 2693,95 • Validity = 1.1.2015 Debit card VISA Classic • Number = 2345 • Exp. date = 01/16 • Limit used = 434 Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out • Amount = 250 • Currency = GBP ATM withdrawal • Channel = Other bank ATM • Amount = 4000 • Currency = GBP Outgoing Inbank Payment in GBP • Partner = Payment account v této bance • Direction = Out • Amount = 250 • Currency = GBP Customer Portfolio Performed operations Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP POS payment • Country = CZ • Amount = 2000 • Currency = GBP = 165 GBP 12 months Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP Metabanka © 2015 Metada s.r.o.
  • 36. Metabanka Revenue Simulation Standard customer Customer Portfolio Performed operations = 165 GBP • Payments (x24) = 141 GBP • POS payments (x45) = 0 GBP • ATM withdrawals (x9) = 24 GBP Credit card MC Standard • Number = 4455 • Exp. date = 01/16 • Loan limit = 10 000 • Insurance: Employment ins. • Grace period = 40 days • Validity = 3 years • Limit used = 634 • Disposable balance = 5366 Current account v GBP • Currency = GBP Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Disposable balance • Amount = 2693,95 • Validity = 1.1.2015 Debit card VISA Classic • Number = 2345 • Exp. date = 01/16 • Limit used = 434 Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out • Amount = 250 • Currency = GBP ATM withdrawal • Channel = Other bank ATM • Amount = 4000 • Currency = GBP Outgoing Inbank Payment in GBP • Partner = Payment account v této bance • Direction = Out • Amount = 250 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP POS payment • Country = CZ • Amount = 2000 • Currency = GBP 12 months Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP Metabanka © 2015 Metada s.r.o.
  • 37. Metabanka Revenue Simulation Standard customer Customer Portfolio Performed operations = 165 GBP • Payments (24x) = 141 GBP • Outgoing Inbank Payment in GBP (x12) = 6 GBP • Outgoing Interbank Payment in GBP (x12) = 135 GBP • POS payments (x45) = 0 GBP • ATM withdrawals (x9) = 24 GBP Credit card MC Standard • Number = 4455 • Exp. date = 01/16 • Loan limit = 10 000 • Insurance: Employment ins. • Grace period = 40 days • Validity = 3 years • Limit used = 634 • Disposable balance = 5366 Current account v GBP • Currency = GBP Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Disposable balance • Amount = 2693,95 • Validity = 1.1.2015 Debit card VISA Classic • Number = 2345 • Exp. date = 01/16 • Limit used = 434 Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out • Amount = 250 • Currency = GBP ATM withdrawal • Channel = Other bank ATM • Amount = 4000 • Currency = GBP Outgoing Inbank Payment in GBP • Partner = Payment account v této bance • Direction = Out • Amount = 250 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP POS payment • Country = CZ • Amount = 2000 • Currency = GBP 12 months Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP Metabanka © 2015 Metada s.r.o.
  • 38. Metabanka Revenue Simulation Standard customers Customer Portfolio Performed operations = 14 896 365 GBP • Payments = 12 729 621 GBP • Outgoing Inbank Payment in GBP = 541 686 GBP • Outgoing Interbank Payment in GBP = 12 287 935 GBP • POS payments = 0 GBP • ATM withdrawals = 2 166 744 GBP Junior customers VIP customers 12 months Credit card MC Standard • Number = 4455 • Exp. date = 01/16 • Loan limit = 10 000 • Insurance: Employment ins. • Grace period = 40 days • Validity = 3 years • Limit used = 634 • Disposable balance = 5366 Current account v GBP • Currency = GBP Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Disposable balance • Amount = 2693,95 • Validity = 1.1.2015 Debit card VISA Classic • Number = 2345 • Exp. date = 01/16 • Limit used = 434 Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out • Amount = 250 • Currency = GBP ATM withdrawal • Channel = Other bank ATM • Amount = 4000 • Currency = GBP Outgoing Inbank Payment in GBP • Partner = Payment account v této bance • Direction = Out • Amount = 250 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP POS payment • Country = CZ • Amount = 2000 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP Credit card MC Standard • Number = 4455 • Exp. date = 01/16 • Loan limit = 10 000 • Insurance: Employment ins. • Grace period = 40 days • Validity = 3 years • Limit used = 634 • Disposable balance = 5366 Current account v GBP • Currency = GBP Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Disposable balance • Amount = 2693,95 • Validity = 1.1.2015 Debit card VISA Classic • Number = 2345 • Exp. date = 01/16 • Limit used = 434 Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out • Amount = 250 • Currency = GBP ATM withdrawal • Channel = Other bank ATM • Amount = 4000 • Currency = GBP Outgoing Inbank Payment in GBP • Partner = Payment account v této bance • Direction = Out • Amount = 250 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP POS payment • Country = CZ • Amount = 2000 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP Credit card MC Standard • Number = 4455 • Exp. date = 01/16 • Loan limit = 10 000 • Insurance: Employment ins. • Grace period = 40 days • Validity = 3 years • Limit used = 634 • Disposable balance = 5366 Current account v GBP • Currency = GBP Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Disposable balance • Amount = 2693,95 • Validity = 1.1.2015 Debit card VISA Classic • Number = 2345 • Exp. date = 01/16 • Limit used = 434 Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out • Amount = 250 • Currency = GBP ATM withdrawal • Channel = Other bank ATM • Amount = 4000 • Currency = GBP Outgoing Inbank Payment in GBP • Partner = Payment account v této bance • Direction = Out • Amount = 250 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP POS payment • Country = CZ • Amount = 2000 • Currency = GBP Outgoing Interbank Payment in GBP • Partner = Other bank account • Direction = Out • Amount = 250 • Currency = GBP Metabanka © 2015 Metada s.r.o.
  • 40. Modularized Banking Business Metabanka © 2015 Metada s.r.o. Metabanka is the enabling technology for enterprise architecture maturity stage 4. Optimized Core Executable Bank Model Modularized conceptual model of business capabilities that executes in runtime
  • 41. Metabanka Logical Architecture Coverage Frontend Applications Integration Services Product Management Data Management Process Management Metabanka © 2015 Metada s.r.o.
  • 42. Metabanka Business Capabilities Coverage Metabanka © 2015 Metada s.r.o. Reference Data External Agency Market Data Party Product Management Sales & Services Channel Specific Cross Channel Sales Marketing Customer Management Servicing Operations & Execution Cards Consumer Services Loans & Deposits Investment Management Market Operations Wholesale Trading Corporate Products Corporate Financing & Advisory Trade Finance Cross Product Operations Account Management Collateral Administration Payments Operational Services Risk & Compliance Bank Portfolio & Treasury Business Analysis Regulations & Compliance Business Support Financial Models https://bian.org/servicelandscape-3-0/
  • 43. Service Bus Metabanka Logical ArchitectureCoverage Metabanka © 2015 Metada s.r.o. Composite Services Frontend Applications Core Components Integration Services Customer Apps Banker Apps Product Catalog Product Pricing Process Management Master Data Management Party/Agreement/Account Identity Management Document Management Specialist Apps Product Offering Reference Data Management Metadata Management Product Billing Transaction Data
  • 44. Metabanka Data Management Metabanka © 2015 Metada s.r.o. Data Management Metadata Reference Data Master Data Enterprise Structure Data Transaction Activity Data Transaction Audit Data Semantic, slowly changing data Large volumes of quickly changing data Versioned data models Data instances
  • 45. Metabanka Metadata Management Top level concepts such as Product, Operation, Offer, Rule, Party, Agreement Full coverage of banking concepts such as Loan, Deposit, Card Possibility to extend metamodel to fit exact needs of the bank Built-in model interpreters for important banking concepts Metabanka © 2015 Metada s.r.o.
  • 46. MetabankaType Instantiation Metabanka © 2015 Metada s.r.o.  Reduction of duplicate definitions  Use of parent objects as definitions for whole sets of child products
  • 47. MetabankaType Library (Common Data Model) Product • Activation date Account • Currency Deposit InvestmentLoan • Loan limit • Insurance • Loan amount • Payment frequency TradeCard • Brand • Validity • Internet payments Embossed Credit card Debit card Virtual Contactless Electronic Payment account • Provider • Lokal account nr. • IBAN nr. Statement Config. of st.[1,*] • Format • Frequency • Delivery Notification Config. of notif.[1,*] • Delivery • Language VISA • Brand: VISA MasterCard • Brand: MasterCard Balance • Amount • Validity Notification[1,*] • Notification • Minimal amount Account with maturity • Duration • Maturity date Revolving loan • Grace period Instalment loan • Maturity • Instalment amount Limit • Frequency • Minimum • Maximum Current account Disposable balance • Amount • Validity Term deposit Metabanka © 2015 Metada s.r.o.
  • 48. Bank-Specific Extension of LibraryTypes Embossed debit card * • Validity = 3 years VISA Classic MasterCard debit MasterCard debit PayPass VISA Classic PayWave Embossed Virtual Contactless Electronic VISA • Brand = VISA MasterCard • Brand = MasterCard Credit card Debit card Current account Disposable balance • Amount • Validity Limit All • Frequency = daily • Minimum = 1 000 • Maximum = 30 000 Limit ATM • Frequency = daily • Minimum = 1 000 • Maximum = 20 000 Credit card MC Standard • Loan limit = 100 000 • Insurance: Employment Ins. • Grace period = 40 days • Validity = 3 years Limit All • Frequency = weekly • Minimum = 1 000 • Maximum = 100 000 Limit ATM • Frequency = weekly • Minimum = 1 000 • Maximum = 20 000 Current account v GBP • Currency = GBP Statement Config. of stat.[1,*] • Format • Frequency • Delivery Config. of paper statement[1,*] • Format = Printed • Frequency = Week, Month, Year • Delivery = Post, Courier, Branch Config. of electronic statement[1,*] • Format = PDF, TXT • Frequency = Day, Week, Month, Quarter, Year • Delivery = Email, IB Metabanka © 2015 Metada s.r.o.
  • 49. Bank- Specific Extension Product • Activation Date Account • Currency Deposit InvestmentLoan • Loan limit • Loan insurance • Loan amount • Payment frequency TradeCard • Brand • Exp. date • Internet payments Embossed Credit card Debit card Virtual Contactless Electronic Payment account • Provider • Local account no. • IBAN no. Statement Config. of stat. [1,*] • Format • Frequency • Delivery Notification Config. of not.[1,*] • Delivery • Language VISA • Brand: VISA MasterCard • Brand: MasterCard Balance • Amount • Validity Notification[1,*] • Notification • Minimal amount Account with maturity • Duration • Maturity date Revolving loan • Grace period Instalment loan • Maturity • Instalment amount Limit • Frequncy • Minimum • Maximum Current account Disposable balance • Amount • Validity Term deposit Current account in this bank • Currency: Supported currency Config. of paper statement [1,*] • Format: Printed • Frequency: Week, Month, Year • Delivery: Post, Courier, Branch Config. of electronic statement [1,*] • Format: PDF, TXT • Frequency: Day, Week, Month, Quarter, Year • Delivery: Email, IB Current account in GBP • Currency: GBP Current account in EUR • Currency: EUR Current account in USD • Currency: USD VISA Credit embossed Metabanka © 2015 Metada s.r.o. Gray concepts are predefined Blue concepts are bank-specific
  • 50. Product Operations  Operation = specific mechanism + set of activities with values (fee, bonus, interest rate, etc.)  Hierarchy of operation for faster offer definition  Price setting  In operation = price of product without particular offer  In offer = pricelist price  In contract = individual price for given customer Metabanka © 2015 Metada s.r.o.
  • 51. Operations – Library + Bank-Specific Operation Product operation • Product Payment • Product = Payment account • Currency • Amount • Partner = Payment account • Direction • Payment type • Priority • Channel Domestic payment in GBP • Currency = GBP • Partner = Local payment acc. Payment in other currency • Currency = Other currency Outgoing Inbank Payment in GBP • Partner = This bank account • Direction = Out Outgoing SEPA Payment under limit • Partner = Other bank SEPA account • Currency = EUR • Direction = Out • Amount = 0.01 .. 50 000 Outgoing SEPA Payment over limit • Partner = Other bank SEPA account • Currency = EUR • Direction = Out • Amount = 50 000 .. Inbank Payment • Partner = This bank payment Card setting • Product = Card • Channel Card limit setting • Channel Card lock setting • Product = Card Internet payment setting • Product = Card End of month Online limit setting • Channel = Direct banking ATM limit setting • Channel = Other bank ATM Branch limit setting • Channel = Local Branch Metabanka © 2015 Metada s.r.o.
  • 52. Offers for Customers  Offers for customer segments  Eligibility conditions for products  Product set composition  Settings for fees, bonuses, interest rates and other values  It is posible to either define them for the whole offer or customise them for individual customers  Restrictions for individual values can be set  Calculation of values is based on product and customer properties, as well as its history  Any node of the hierarchy can be used for common definition for the underlying products Metabanka © 2015 Metada s.r.o.
  • 53. Offers Standard offer • eligibility: StandardCustomer Standard package account [0,1] Current account [1,1] Saving account • product: Standard spořicí account Standard current account [1,1] • product: Standard current account Standard current account maintenance • operations: EOM • feeAction = 99 Debit card with travel ins. [1,1] Main > Stand. debit card [1,1] • product: Standard debit card Travel insurance [1,1] • product:Travel insurance Bank ATMWithdrawal • operation: Bank ATMWithdrawal • feeAction: First5Free Other bankATMWithdrawal • operation:Other bank ATMWith. • feeAction = 10 Standard interest rate • operations: EOM • interestRateAction = 0.9 Payments v UK free [0,1] • product: Payments in UK SEPA Payments free [0,1] • product: 2 SEPA payments Payment v UK • operations: Domestic pay. in GBP • feeAction: GBP Payment SEPA Payment • operations: SEPA EUR payment • feeAction: SEPA Payment Debit card [0,*] • product: Debit card Overdraft [0,1] • product:Overdraft Interest rate • operation: EOM • interestRateAction = 15.9 Penalty interest rate • operation: EOM • feeAction = Basic plus 8 Maintenance • operations: EOM • feeAction = 20 Internet banking [1,1] • product: Internet banking SMS Notification • operations: Product Notification • feeAction: Notifications30Free Metabanka © 2015 Metada s.r.o.
  • 54. Rules  Conditional calculation of value  It is used for evaluation of value of fees, bonuses, interest rates, etc.  Suitability of products for given customers is also evaluated using rules  A rule can be composed of a condition and evaluation parts, or a set of other rules  There are no general rules!  Conditons and evaluations are domain specific  Structure and values are defined by the model  Available parameters are restricted by evaluated products, operations or customers  Explicit meanings of parameters and conditions  The whole portfolio, customer information and history are avilable for use  Arithmetical and logical operators are available  Some product parameters can be readily constructed as calculations of other values  E.g. income summary, average balance, customer characteristics Metabanka © 2015 Metada s.r.o.
  • 55. Rules Rule: Current account with bonus maintenance Rule • Income over 2 000 Rule • Income up to 2 000 Rule: Income over 2 000 When – >= Then - Multiply Products – Income this month Value – 2 000 Rule – Loyalty discount coeficient Value – 50 Rule: Loyalty discount coeficient When – Subtract Value – 1 Add Rule Discount for deposits over 20 000 Rule Discount for loans over 10 000 Rule Discount for invest. over 20 000 Rule: Income up to 2 000 Then - Multiply Rule – Loyalty discount coeficient Value – 100 Rule: Discount for deposits over 20 000 When – >= Then Deposit – Value in GBP Value – 20 000 Value – 0,25 Rule: Discount for loans over 10 000 When – >= Then Loan – Value in GBP Value – 10 000 Value – 0,25 Metabanka © 2015 Metada s.r.o.
  • 56. Rule Evaluation Condition Rule Income over 2 000 Product – Income this month >= 2 000 X ConditionRule Income up to 2 000 V Evaluation 10 * Loyalty discount coefficient ConditionRule Loyalty discount coefficient V Evaluation 1 - Loyalty discount coefficient Discount for deposits over 20 000 + Discount for loans over 10 000 + Discount for investments over 20 000 ConditionRule Discount for deposits over 20 000 Discount for … Deposit – Amount in GBP >= 20 000 X ConditionRule Discount for loans over 10 000 Result 0.25Loan – Amount in GBP >= 10 000 V Monthly maintenance fee for Product true true Result 0.75 Result 7.5 Evaluation 0.25 Metabanka © 2015 Metada s.r.o.
  • 57. Reference Data Management Semantically rich hierarchies of values Provided reference data library can be customised as required by the bank Reference data are used on all levels from data models to data instances Service-oriented and RESTfull web APIs provided Metabanka © 2015 Metada s.r.o.
  • 58. Reference Data Management Insurance coverageCurrency GBP Natural disaster Foreign currency USD EUR CHF RUB CZK Floods Wind Theft Loss Accident Death Language DE EN SK FR CS Country SEPA Country Country EU Non-EU country Other country Country EHP Eurozone country Switzerland France Germany Slovakia Czech republic Great Britain Poland Collateral Financial Real estate property Claim carProperty Channel 3rd party Branch Contact centre Alternative channel Direct banking IVR Internet banking Headquarters Individual Business Collection box Metabanka © 2015 Metada s.r.o.
  • 62. Metabanka Runtime  Runtime environment for banking model execution Uses Metada Metarepository® Includes built-in versioned storage and access control All Metabanka runtime components offer RESTfull services Well defined API provided Support for XML or JSON via HTTPS Metabanka © 2015 Metada s.r.o.
  • 63. Metabanka Runtime - Performance Optimized Intelligent caching where every computed result cached as long as possible Caching propagated all the way from storage to remote clients Optimized in-memory processing of executable models Frontend logic fully executed on clients to lower server demands Metabanka © 2015 Metada s.r.o.
  • 64. Metabanka Runtime - Storage Metadata and reference data stored in versioned GIT-based repositories Master data stored in highly scalable Elastic Search storage Environment designed for supporting millions of banking customers with their products and services Metabanka © 2015 Metada s.r.o.
  • 65. Metabanka Model Interpreters Metabanka © 2015 Metada s.r.o. Model interpreters in Java, Groovy, and JavaScript Implementations of important banking concepts: Operation Action Interpreters Accounting Clearence Fee Loan Interest Bonus Instance Setup Offer Payment Party Setup Product Request Setup Product Setup Yield Interest
  • 66. Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Uses Metada Metarepository® metamodeling environment Supports multiple agile teams in modern cloud-based environment Uniquely optimized for banking purposes and users
  • 67. Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Easy to use advanced web-based GUI Continually evolved based on user feedback for past 15 years
  • 68. Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Advanced pill-box navigation Pills with numbers of subelements
  • 69. Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Visible columns are configurable Exports into CSV and reports in HTML, PDF, DOC
  • 70. Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Multi-team parallel development support Private branches with collision avoidance system Safe playing and testing environment
  • 71. Metabanka DesignTool Metabanka © 2015 Metada s.r.o.
  • 72. Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Quick search & full-text search
  • 73. Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Inline Validations Lists filterable by errors and warnings
  • 74. Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Immediate information about issues
  • 75. Metabanka DesignTool Metabanka © 2015 Metada s.r.o. Issue markers in object details
  • 76. Metabanka Frontend Applications Responsive web applications running on various devices Based on technology- independent application models User interfaces based modern technologies (e.g. React) Clean web APIs with RESTfull clients sending JSON over HTTPS Metabanka © 2015 Metada s.r.o.
  • 78. Thank you http://metada.com/ Petr Smolik, Ph.D., CEO Tel: +420 777 638 232 E-mail: petr.smolik@metada.com Metabanka © 2015 Metada s.r.o.

Editor's Notes

  • #17: Metabanka provides in revolutionary way coverage of all areas of management of product, but it also allows to use only particular parts. 1, 2, 3, 4, 5, 6
  • #21: Straightforward definition. 1 – 2 - 3
  • #33: We offer model of financial services. 1. Basic item is offer for client. In case of successful sale the offer is brought into effect as contract for these services. 2. The offer contains products 3. and relevant operations with price (and other) settings.
  • #34: We offer model of financial services. 1. Basic item is offer for client. In case of successful sale the offer is brought into effect as contract for these services. 2. The offer contains products 3. and relevant operations with price (and other) settings.
  • #35: We offer model of financial services. 1. Basic item is offer for client. In case of successful sale the offer is brought into effect as contract for these services. 2. The offer contains products 3. and relevant operations with price (and other) settings.
  • #36: Simulation allows to easily validate the changes. 1, 2, 3, 4, 5
  • #37: Simulation allows to easily validate the changes. 1, 2, 3, 4, 5
  • #38: Simulation allows to easily validate the changes. 1, 2, 3, 4, 5
  • #39: As well as statistical evaluation of revenue changes. 1, 2, 3, 4
  • #50: Interbank model of financial services products. 1, 2, 3. Model allows fast creation of own products, which can be easily specialized.
  • #67: Possible ways to replace these parts.