1. Information Integration in A Banking Environment - Present and Future C. N. Ram (Head IT, HDFC Bank)

2. Enterprise Information Integration EII is the integration of data from multiple systems into a unified, consistent and accurate representation geared toward the viewing and manipulation of the data. Data is aggregated, restructured and relabeled (if necessary) and presented to the user. EII is the integration of data from multiple systems into a unified, consistent and accurate representation geared toward the viewing and manipulation of the data. Data is aggregated, restructured and relabeled (if necessary) and presented to the user.

3. A Definition Information management is the handling of information acquired by one or many disparate sources in a way that optimizes access by all who have a share in that information or a right to that information. Information management is the handling of information acquired by one or many disparate sources in a way that optimizes access by all who have a share in that information or a right to that information.information Wikipedia Wikipedia

4. My Own Definition To consistently provide information (WHAT) to the business entity (WHO), WHERE it is usable, in the time (WHEN) it is required, with accuracy and security (HOW) and with the speed that is necessary, to conduct business (WHY) in the most optimum manner possible. To consistently provide information (WHAT) to the business entity (WHO), WHERE it is usable, in the time (WHEN) it is required, with accuracy and security (HOW) and with the speed that is necessary, to conduct business (WHY) in the most optimum manner possible.

5. Business Purpose Make money Make money Keep Stakeholders happy Keep Stakeholders happy

6. The Stakeholders Bank CustomersEmployeesPartnersRegulators

7. Information Requirement Financial MIS Financial MIS Operations Operations Management MIS Management MIS Customer Service Customer Service Customer Insight Customer Insight Regulatory Regulatory

8. Challenges Easy availability of accurate customer data Easy availability of accurate customer data Duplicate Customer Data Duplicate Customer Data One view of the customer One view of the customer Disparate systems Disparate systems Every vendor at the center of the universe Every vendor at the center of the universe No usage of Standards No usage of Standards Change is costly Change is costly

9. Challenges Changing tyres in a moving car Changing tyres in a moving car Budgets Budgets Lack of vision / lack of support Lack of vision / lack of support Building data is time-consuming Building data is time-consuming Information Lifecycle Management Information Lifecycle Management Customer loyalty Customer loyalty

10. Evolution - Information Manual Core Banking Data Warehousing Business Intelligence Enterprise information Integration

11. Response to Challenges SOA SOA On-line Datawarehouse On-line Datawarehouse Technology Technology IT Governance IT Governance IT Management IT Management Credit bureau Credit bureau KYC / AML KYC / AML

12. What does the Future hold? Speed and accuracy is of the essence Speed and accuracy is of the essence Partnership Partnership Greater customer insight Greater customer insight Input from Credit Bureaus Input from Credit Bureaus Ability to assimilate unstructured data Ability to assimilate unstructured data Integration of voice/video Integration of voice/video

13. The Last Word! We tend to overestimate the effect of a technology in the short run and underestimate the effect in the long run“ We tend to overestimate the effect of a technology in the short run and underestimate the effect in the long run“ John Swainson, CA John Swainson, CA

14. The Pizza Story The Pizza Story

15. Thank You!