1. Max. width Min. height Max. height ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 Fast Data in the IoT Bas Geerdink

2. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line About Me IT Manager / Chapter Lead Academic background in Artificial Intelligence and Informatics Working in IT since 2004, previously as developer and architect At ING since June 2013 Twitter: @bgeerdink@bgeerdink LinkedIn: https://nl.linkedin.com/in/geerdinkhttps://nl.linkedin.com/in/geerdink

3. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line About ING

4. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 Opportunities for banking in the IoT 4

5. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line 5

6. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line The IoT offers a lot of opportunities for the banking industry 6 Source: The Bank of Things – Accenture, 2014

7. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line In a way, banks are already at the center of the IoT 7

8. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line The use cases for banks in the IoT can be divided in two categories The bank as facilitator of IoT services, by providing microtransactions and open APIs Real-time, automatic pay per use of gas/water/energy consumption On-demand buying of groceries and other items in the ‘smart home’ Direct, automatic payments of gas/electricity in gas stations in the ‘connected car’ The bank as provider of IoT services by using its own devices as the source of data Personal assistence, e.g. real-time finance advise Alerting and other means of signaling in the ‘smart home’ Location-based services, e.g. buying advise for a house based on Google Glass data Individual marketing and advise by making use of beacons in shops and branches 8

9. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 ING’s data-driven strategy 9

10. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line ING’s Think Forward strategy was launched in March 2014 10

11. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line There is a lot of data in the bank, in many sizes and shapes 11

12. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line TypeVelocityVolume per update FormatOriginUsage BatchHours / days ~ 1 GB Flat filesSystems of records OLAP, adhoc analytics IncrementsSeconds~ 100 kBXMLSoR, IoTOLAP, adhoc analytics Real-timeMilliseconds~ 1 kBJSONInternet of Things Streaming data analytics BIG DATA There are three types of data streams at ING FAST DATA 12

13. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 Architecture and Technology 13

14. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line 14 All data streams follow the same pattern and pass through pipes and filters Source: A Reference Architecture for Big Data Solutions – Bas Geerdink, 2013

15. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line ING’s Data Lake is based on IBM’s Data Reservoir reference architecture 15

16. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line ING’s Data Lake is based on IBM’s Data Reservoir reference architecture 16 Core Systems Real-time Streaming Enterprise Datawarehouse Exploratory Data Archive Reports Analytics Tooling Batch & Incremental Feeds Governance Catalog

17. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line ING’s Data Lake is based on IBM’s Data Reservoir reference architecture 17 Core Systems Real-time Streaming Enterprise Datawarehouse Exploratory Data Archive Reports Analytics Tooling Batch & Incremental Feeds Governance Catalog

18. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line Governance Catalog The technology depends on the data size, speed and usage Note: components are examples, technology is under constant evaluation and subject to change 18 Core Systems Real-time Streaming Enterprise Datawarehouse Exploratory Data Archive Reports Analytics Tooling Batch & Incremental Feeds

19. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 Conclusions 19

20. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 No content below the grey line The IoT offers a lot of opportunities for the banking industry Banks can act as facilitator or provider for IoT-driven services Some example use cases are: automatic payments, microtransactions, buying suggestions, financial advise Sensory data includes location data, household equipment, data from cars, ING’s infrastructure ING has a data-driven strategy, aimed at providing the best customer services It makes sense to invest in an infrastructure for any kind of data processing, including IoT streaming data: the data lake Summary and Conclusions 20

21. ING Orange RGB= 255, 98, 0 ING Light Grey RGB= 168, 168, 168 ING Indigo RGB= 82, 81, 153 ING Sky RGB= 96, 166, 218 Colour Guidelines ING Fuchsia RGB= 171, 0, 102 ING Lime RGB= 208, 217, 60 ING Leaf RGB= 52, 150, 81 ING Mid Grey RGB= 118, 118, 118 Text Colour RGB= 51, 51, 51 Thank you bas.geerdink@ing.nl @bgeerdink