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Tables of Contents for Information Technology & Financial Services
Chapter/Section Title
Page #
Page Count
ABOUT THE AUTHORS
1. The Technological Imperative
1
16
The Changing Relationship Between IT Providers and the Banking Community
3
4
The Impact of Technology on the Organization of Banking Institutions, and Its Impact on Market Structures
7
2
The Revolution Taking Place in Bank--Customer Relationships Being Prompted by the New Use of Technologies
9
2
The Impact of Technology on the Control and Supervision of Financial Institutions
11
1
How to Gain Competitive Advantage through the Use of Technology in Financial Businesses
12
2
Reengineering the Bank
14
3
2. Key Technology Concepts
17
40
Computer Hardware
17
1
The Development of Computer Hardware
18
3
The Development of Computer as a Business Tool
21
5
Distributed System Architectures
26
2
Improved Abilities for Computers to Work in Conjuction With Each Other--The Opening Up of Computing Architectures
28
4
Networks
32
3
Database Technology
35
4
Flat File Databases
35
1
Tree/Hierarchical Databases
36
1
Network Databases
36
1
Relational Databases
37
1
Object-oriented Databases
37
2
Building a Flexible Systems Environment
39
2
Case Tools
39
1
Object Orientation
40
1
Rapid Application Development
40
1
The Changing Nature of Information Traffic
41
1
The Multimedia Revolution
42
2
Building "Intelligent" Computers
44
4
A Simple Neural Network
48
1
Document Image Processing
49
1
The Cost of Client/Server
49
5
Capital Costs of Client/Server
50
1
Informal Costs of Service, Maintenance and Training
51
1
Formal Costs of Service, Maintenance and Training
52
2
Complexity and Risk
54
1
The Smallest Computers--Smart Cards
54
3
3. Key Technology Concepts
57
26
Managing Systems Development
57
3
Managing the IT Function
60
2
A Centralized IT Function
60
1
Decentralized IT Operations
61
1
Centralized vs. Decentralized IT Architectures
62
2
The Move to Package Software
64
6
Case 1: The new economics of developing package software: Danish Savings Banks, Sparkasse Data Central (SDC)
68
2
Outsourcing and Cosourcing--A Better Match Between Banks and Their IT Suppliers
70
4
The Classic Outsourcing Scenario--Outsourcing Computers
71
1
Outsourcing Business Processes
72
2
Cosourcing
74
1
Case 2: The use of cosourcing by banks to enter new markets: Girobank, UK
75
Controlling Risk
74
9
Credit Risk
76
2
Market Risk
78
2
Operational Risk
80
1
Information Security
81
1
Truncating Workflows and Time Periods--Delivery Versus Payment
81
2
4. The Retail Bank--A Revolution in Progress
83
66
Traditional Banking Structure
84
1
The New Relationship Oriented Bank
84
2
Building the View of the Customer
86
8
Case 3: Building a strategic platform to exploit customer information and increase cross sell opportunities: Banc One, USA
88
4
Case 4: Delivering customer information to the desktop: Banca Commerciale Italiana (Comit), Italy
92
2
The Role of the Branch Network
94
10
Case 5: Multimedia in retail Banking: Co-operative Bank, UK
97
2
Case 6: Reengineering the branch IT architecture: Zurcher KantonalBank, Switzerland
99
5
New Delivery Channels
104
1
Telephone Banking
105
2
Banks and Electronic Commerce
107
6
Case 7: Electronic payments in electronic commerce: First Virtual, USA
110
2
Case 8: Interactive TV in East Anglia, UK
112
1
Electronic Banking
113
6
Case 9: Internet banking: Security First Network Bank, USA
116
3
Security in Electronic Banking
119
1
Branches and Electronic Delivery Working Together
120
3
Developments in Payment Services and Process Workflows
123
1
Centralization, Automation and Outsourcing of Paper Processing
124
9
Case 10: Achieving economies of scale in check processing: Outsourcing at the Royal Bank of Scotcland
127
1
Document Image Processing
128
5
Case 11: Implementing image processing to streamline document intensive tasks and improve customer service: GAN Insurance
129
3
Case 12: Implementing workflow and image processing: Prudential Insurance
132
1
Credit and Debit Cards, Smart Cards and the Use of the Electronic Purse
133
1
Credit and Debit Cards
133
6
Merchant Service Charge
135
1
Interest and Annual Charges
135
1
Automation
135
4
Case 13: Co-sourcing as a method of non-banks entering the payments markets: GM Card, USA and UK
136
3
Credit and Debit Card Technology--The Growing Importance of EDI
139
1
The Electronic Wallet--A New Form of Money for the High Street and Virtual Commerce
140
4
Case 14: The electronic wallet in Swindon: MONDEX International
141
2
Case 15: Smart cards and virtual commerce: Europayis iKP card
143
1
Beating Card Fraud
144
5
Case 16: Using AI and neural nets to beat card fraud: Europay, VISA
146
3
5. Wholesale and Investment Banking--A Technology Driven Business
149
60
Market Dealing and Settlement
150
16
Dealing Room Technology and Information Providers
150
2
Market Information
152
1
Data Distribution Platforms
152
2
How Does Digital Dealing-Room Technology Work?
154
4
Case 17: Using own systems and client/server to deliver market data: Nikko Securities
155
2
Case 18: Outsourcing complexity in a dealing room environment: Prebon Yamane
157
1
Systems Company Rather than Information Vendor
158
2
The Potential Role of IPs in Disintermediating the Market
160
6
Risk Management and CAD
166
5
Risk Management
166
1
`Point in Time'
167
1
Data Format
167
1
Level of Detail
167
1
The Middle and Back Office Inheritance
168
1
The Way Forward?
169
2
The Capital Adequacy Directive
171
2
The Traditional Back Office
173
1
Security Settlement Systems
173
13
Case 19: Analysis of a failed project: TAURUS
176
5
Case 20: Replacement of TAURUS: Crest and SettleNET
181
5
Selecting Accounting Systems in Wholesale Banks
186
5
Defining the Boundary
186
1
The Required Functionality
187
1
The Technical Infrastructure
187
1
The Supplier Relationship
188
1
Price
189
1
The Main Suppliers
189
1
Potential Drawbacks
190
1
Commercial Lending and Decision Support Systems
191
1
Electronic Banking Services for Corporate Customers
191
8
Case 21: EDI as a tool for automated bill collection: Royal Bank of Scotland
193
1
Case 22: Integrating electronic banking services with automated international payment services: The IBOS Consort EDS/BT
194
4
Case 23: Providing low cost foreign exchange services to corporate clients: Inter$Link
198
1
Efficiency in Corporate Lending
199
10
Case 24: Managing syndicated lending: Bankers Trust LS/2 lending management system
200
4
Case 25: Understanding the risks of lending: Barclay's Lending Advisor
204
5
6. Organizing for the Electronic Future
209
8
The Relationship Between Banks and Their Customers
209
1
Personalizing the Virtual Bank?
210
2
The Relationship Between Banks and Their IT Suppliers
212
5
INDEX
217