IBM Cloud for Financial Services is an API and data exchange that brings together FinTech and financial services institutions to rapidly build the finance apps of the future. Developers can share innovative applications, APIs, data and content on a secure, cloud platform designed for banks, financial market institutions, and insurance companies. Developers can build with our finance APIs, partner APIs, and IBM’s leading technologies like blockchain, cognitive analytics, and big data. Visit developer.ibm.com/finance

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IBM CLOUD
FOR FINANCIAL SERVICES
J U LY 2 0 1 7

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Rapidly
changing
customers
Fast Evolving
Regulatory
Climate
Increased
Pressure from
Competitors
& Investors55% of banking execs view
non-traditional players as a
threat to traditional banks*
.
Regulations both tightening to
increase burden (e.g., Dodd
Frank), and liberalizing (e.g.,
PSD2) to reduce entry barriers.
Gen X/Y account for ~50% of money in
motion; have strong digital
preferences and low trust in banks.
The financial services industry is being disrupted and
reconstituted
*PWC Retail Banking 2020
“Banking is
Necessary.
Banks are not.”
Bill Gates

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Technology
forces…
Cognitive & Analytics CloudFinTechs & Digital
…are creating new
experiences…
Experience journey Digital ubiquity Omnichannel
…and disrupting
operational models.
Traditional value chain Ecosystem
Robotics & AutomationBlockchain Security
Technology is driving the evolution and creation of
new business models in financial services

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71%
30%
1 7out
of
people in NA
already use fintech
of millennials
would rather go
to the dentist
than to their bank
$12.7B
Fintech value
vs. value of
traditional
financial
services
companiesVC investment
in 2016
Fintechs are driving the evolution and creation of
new business models in financial services

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97% 40% 100K
Developers work with
IBM technology every month
Source : Please see speaker notes
IBM business is with
financial services clients
of the top 70 FT ranked banks use
IBM products to run their system
IBM is uniquely positioned to help financial
institutions, developers and fintechs win
“[We are in a] fight over who will be the most intimate partner of the client. The bank? Facebook? Mobile operator? Mobile phone
manufacturer?”
CEO of a leading eastern European bank

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“Best of Fintech” ProgramDeveloper Building Blocks
A set of services, APIs and a partner technology ecosystem that
provides the building blocks needed to transform existing
investments and create new experiences in financial services.
Showcase Apps, Tutorials & Starters
Introducing the IBM Cloud for Financial Services
SECURITY & COMPLIANCE
Security is pre-configured in the cloud, on-prem or hybrid,
best in class cognitive security / compliance supported by
advanced machine learning, & ongoing global compliance
supported by RCA & Promontory.
BUILD & DEPLOY
New applications guided by financial services reference
architectures, microservices patterns and starter kits.
Continuously combine, assemble, deploy and scale new
capabilities to address new opportunities and challenges.

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Developer building blocks include APIs, services, data,
analytics models, and integration technology

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Secure & Compliant Operations
More secure operations, reduced risk and dramatically enhanced
regulatory compliance enabled through blockchain, cognitive and cyber
API & Data Strategy
New financial services
marketplaces with IBM and
fintech APIs data
APIs from IBM and 3rd party
ecosystem partners
Data Lake
Schema – BDW/IIA
Data mapping
Integration
Security
Entity resolution
Graph
APIs
Wealth/Investments
Insurance
DataScience
Experience
Your Data
Exogenous Data
(Axion, Twitter,
TWC, MC, …)
Innovations
Using the APIs, data
services, data models, and
data science tooling
Web Apps Mobile Apps Data Science Notebooks Data Models
Spark
With these building blocks you can create the
financial services apps of the future

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Identify key priority focus areas
Understand what high-value data you have & plan how to use it
strategically
Do this while protecting your brand with security & compliance
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How financial institutions can adapt

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We are working with clients on these patterns:
• New forms of engagement (e.g. chat bot,
mobile, voice)
• Open APIs to banking and insurance systems
• Cognitive Analytics: Portfolio pricing, stress
testing, customer insight, KYC, financial crimes
detection
• Extend insights with exogenous data: News,
Company analytics, Sentiment, Social, Weather
• Blockchain: Smart contracts, identity
management, compliance
• Embed transactions in the Internet of Things
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Identify key priority focus areas
IBM Client Insight for Wealth Management

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IBM Financial Services APIs, data & Watson to help asset managers assess risk
Build applications for cognitive market
awareness
Use the new portfolio service with Watson
Alchemy News and IBM Graph to understand
how news items impact a specific portfolio,
and use the new instrument analytics service
to compute the likely price impact of the
news on portfolio value
Rebalance your funds to mitigate risk or take
advantage to increase performance

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Conversation
Watson NLP Services
Third-party
Market Data
Twilio Cloud Messaging
Cognitive Portfolio Insights Chat-bot
Transform customer engagement
Layer Watson Conversation service on top of
our new portfolio service to enable customers
to ask questions about their portfolio through a
chat/text interface
Analyze portfolio risk
Calculate portfolio risk, using the new portfolio
and instrument analytics services, and
compare risk to customer tolerance
Build new mobile banking applications
Tap into the new partner data services to build
new mobile apps that track market activity or
provide push notifications on market change
thresholds

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Structured and active Unstructured and dark
Data that’s coming
• Customer records
• Transactional systems
• Predictive models
• Institutional expertise
• Operational systems
• News
• Events
• Social media
• Weather
• Geospatial information
• Internet of Things (IoT)
• Sensory data
• Images
• Video
Data outside your firewallData you possess ++
Understand what high-value data you have &
plan how to use it strategically

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Understand what high-value data you have &
plan how to use it strategically
Built-in learning to
get started or go the
distance with
advanced tutorials
Learn
The best of open
source and IBM value-
add to create state-of-
the-art data products
Create
Community and social
features that provide
meaningful
collaboration
Collaborate

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 Vulnerability Scanning
 Audit Log consolidation and analysis
 User Access management
 Security Incident Management
 Legal, Regulations and Compliance
 Education, training and Awareness
 Business Continuity and Disaster Recovery
 Network Architecture and Design
 Intrusion Prevention
 Operation System security hardening
 Restricted access to all services/servers
 Secure Engineering Development practices: threat modeling,
risk assessment, static and dynamic code analysis
 Secured development life Cycle
 Security Architecture and Design
 Access Control, Authentication and Authorization
 Data Protection
 Security Logging
Functional
Infrastructure
Development
Governance &
Compliance
Operational
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Protect your brand through security & compliance

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• The Bluemix environment on SoftLayer is compliant with the most restrictive IBM
information technology (IT) security standards, which meet or exceed the industry
standards. These standards include the following:
• Network, data encryption, and access control
• Application ACLs, permissions, and penetration testing
• Identification, authentication, and authorization
• Information and data protection
• Service integrity and availability
• Vulnerability and fix management
• Denial of service and systematic attacks detection
• Security incident response
• FISC (Financial Industry Information Systems ) Compliance
• For banking and related financial institutions in Japan
SoftLayer: physical security compliance
IBM’s Developer Platform Compliance & Security

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1. Leverage new capabilities & services from a wide ecosystem
of technology providers
2. Add flexibility to core systems by implementing an API layer
3. Expand to new deployment models such as containers, cloud
services, virtual private cloud to enable flexibility
4. Create new experiences in mobile, web, IoT, biometrics,
blockchain
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How can clients and partners get started

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IBM Capabilities
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Leverage new capabilities & services from a
wide ecosystem of technology providers
Big Data
Blockchain
Machine Learning
IOT
Watson
Security
Top Fintechs IBM Financial
Services
Payments
RegTech
Fraud Detection
Customer Insight
Investment & Risk
Risk Management
Wealth Management
Insurance

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IBM Cloud for FS
Bank 1
Data
Data
Bank i Private
API
APIc
IBM/3rd
Party
Capability
Bank 1 View
Restricted View
(e.g. consortium)
Public View
Bank domain
IBM
Cloud/Bluemix
A collection of Bluemix
services (packaged as a starter
kit) to support PSD2 built
around API Connect service.
The provisioned APIc instance
is preconfigured with PSD2
compliant:
• Outbound API end points
• Inbound connection points
• Security and authorization
• Secure Communication
Tools – e.g. Secure
Gateway/VPN.
Secure
Gateway
Security/Token Gen
Integration
Add flexibility to core systems by
implementing an API layer

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Efficient
Infrastructure
Application
Modernization
Process
Re-imagination
Extend VMware Workloads
to Cloud
Secure HPC in Cloud
Migrate High Performance
Apps to Cloud
New Hybrid
Engagement App
Extend Reach with API
Management
DevOps Tooling &
Methodology
New IoT Apps
Modernize / Migrate Apps
on DB2, WAS, Z, etc.
New Cognitive Apps
Backup & Archive in the
Cloud
New Blockchain Apps
New Insights with Data
Science
Expand to new deployment models such as containers,
cloud services, virtual private cloud to enable flexibility
Lift/Shift Existing Web App
Dev/Test to the Cloud
Modernize Existing Apps
Build Net New Apps
Digitization Initiative
Reinvent FS apps with AI
New Insights with Data Science
Watson Platform
Data Science Experience
Developer
Services
Infrastructure

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Engage with the IBM Cloud for Financial
Services:
• Fast track an idea to an MVP that to test
through to deploy
• Participate in regional developer days - API
sessions, hands on labs, workshops,
Meetups
• Learn from our financial services expertise
& knowledge with real client experience
• Sign up: developer.ibm.com/finance
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Create new experiences in
Mobile, web, IoT, biometrics, blockchain

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Beware of little expenses. A
small leak will sink a great
ship
– Benjamin Franklin
What does it mean to be an alliance partner?
As a member of the alliance program, both Fintechs and Financial Services companies can make their APIs, data sources, and services available for
distribution & consumption. Customers can subscribe to partner services and even deploy them, all within the Fintech Innovation Exchange. Partners can
also integrate, develop and deploy new solutions built from the Innovation Exchange API economy.

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Being an alliance partner provides
Access to the Financial Services
Developer Community
Designed to bring Financial Services and
Financial Technology developers together
to harness the collective power of disruptive
and innovative ideas, data, content,
capability and processes.
Partner with IBM on transformation and
large enterprise projects
Work with the largest Financial Services firms
who are constantly innovating to provide better
products and services.
IBM embeds and promotes partner technologies
to deliver transformational projects at the leading
edge of innovation.
Channel Partner Commercial
Distribution
Gain access to the IBM brand and its
power to distribute globally at scale.
Publish API’s for Financial Services and
other Fintech’s to research and deploy.
Integrated Cloud Platform to develop, deploy, and run APIs.
• Deploy, run, and develop your selected APIs from within the platform.
• Have a new product or service idea? Easily and securely select the APIs required to build the core of your new business or product.
• Leverage a growing library of IBM and partner services covering cognitive, mobile, infrastructure, and content to help you rapidly build and
deploy innovative products and services more quickly for the financial services industry.
• Help realize new revenue from existing internal APIs and services by leveraging the cloud infrastructure to build and manage these as service
offerings.

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Next steps for partners
• Explore the FSS Hub:
• Sign up for a free account on Bluemix
• Visit https://developer.ibm.com/finance/
• Be a publisher on the Hub
• Bring your API or data service to the zone
• Engage with our team to onboard your offering
• Be a consumer of the Hub
• Create new starter kits, applications, or offerings using the services in the hub
• Engage with our community
• Attend one of our meetups, hackathons, or events
• Sign up to meet with our experts and discuss a workshop

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FAQ for Partners
As business partner what type of potential buyers should I be targeting /
speaking too
LOB at financial institutions, CTO, CDO, developers
Can I use my Bluemix Services Credit towards these services?
Yes
Who do I contact if I have a service I'd like to publish
Send a note with your company info to fintech@us.ibm.com
Additional info on Bluemix business partners
https://www.ibm.com/cloud-computing/bluemix/partners