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Perc
ent o
r Rev
enue
Spe
nt o
n IT
System Improvements
Software Maintenance & Upgrades
Every year, our industry spends billions on IT projects and proprietary platforms. We all face the same challenges: obsolete software, high integration costs, complex IT systems
Disrupt Incumbents: Capture Markets With Speed & Cost Advantages
Traditional Banks With In-House Solutions Winning Modern Banks
Infrastructure & Data Centres
Spending Double-Digit of Revenue on Keeping the Lights On Leveraging Cloud Technology Innovating on Channels Innovating on Products
Reduces Infrastructure Costs Increasing Channel Innovations
Digital Innovation Mobile BankingOnline BankingCredit ScoringNew ProductsNew Services
Cloud-Based Banking Platforms
System Architecture
Database Servers
Data Centre A Data Centre B
Real-Time Redundancy
Automatic Failover
Automated Load Scaling
Load Scaling
Application Servers
Low-Latency Transactional
User Access Channels
USERNAME-PASSWORD AUTHENTICATION TWO-FACTOR SMS USER AUTHENTICATION
USER-BASED PERMISSION
Fully Managed Elastic Load Balancing Multiple Locations Automated CPU & Latency Monitoring Each Up to 68GB Memory & 8 CPU Cores Linux AMI
Software & Hardware Independent Desktop Smartphone Tablet APIs
256-Bit HTTPS SSL Encryption Compressed Binary Data for Bandwidth Optimization
Fully Managed MySQL or Oracle Automated Backups Automated Logging DB Snapshotting 30-Day Transaction-Based Rollback Each Up to 68GB Memory & 8 CPU Cores Isolated & Secure
SSL
& TW
O-F
ACTO
R AC
CESS
AUT
HENT
ICAT
ION
Data Isolation & Security
Primary Server
Organization A Organization B Organization C
Organization D Organization E Your Database
Organization G Organization H Organization I
Complete Data Isolation & Security Independent Databases
Isolated Schemas Scalable Servers
Real-time Mirroring Multiple Physical Data Centres
Off-Server Nightly Backups 7-Days Rolling Backups
30-Day Transaction-Based Rollback Full Audit & Log Trails
Your Database Clone
Redundant Server
Data Storage
Nightly Compressed Backup
Real Time Mirror
99.9999999999% Reliability 99.99% Availability
7-Days Rolling Backup Files
Server Monitoring
99.99%Over
Server UptimeSTATUS.MAMBU.COM
Latest Servers Status Always Live and Online
Monitoring Uptime Monitoring Response-Time
Internal Automated Notifications
Independent Monitoring By
* that’s less than 40 minutes down any month!
*
Security & Compliance
&Reports, Certifications, and other
Independent AttestationsPhysically Protected & Maintained
Large-Scale Data Centres
Your Data is Secure with the Amazon and Mambu Infrastructure
Discover AWS Security
Two-Factor Authentication for AWS Administration Access
ISO 27001 Risk Assessment & Confidentiality, Integrity & Transparency Assessment
PCI DSS Level 1 for Processing CC Information
SOC 1/SSAE 16/ISAE 3402 Audits for Appropriate Safeguards to Protect Customer Data & Operate Effectively
‣Multi Tenancy - Largest Deployment ‣ Lowest Total Cost of Ownership ‣ Best Infrastructure Service Quality ‣ High Infrastructure Security ‣ Low Infrastructure Control & Access
Public Cloud
Private Cloud‣ Single Tenancy - High Cost Datacenter ‣High Infrastructure Management Needs on Customer ‣ Variable Infrastructure Service Quality ‣ Infrastructure Security to the Specification of the Customer ‣Granular Access Controls
Cloud Deployment OptionsDedicated Environment
‣ Single Tenancy in Virtual Private Cloud ‣Higher Cost through Dedicated Infrastructure ‣Granular Access Controls ‣ Availability of Database Access
Application Architecture
Data Abstraction Layer JDO
Business Logic ServicesJava
DatabaseMySQL
API DispatchHTTP Secured RPC Dispatch
Tom
cat S
erve
rDa
taba
se S
erve
r
Rest API
RPC Dispatch
Web Browser Mobile BrowserGoogle Web Toolkit Native Android App JSON
HTTP Secured Dispatch
End
clie
nt
Tran
sact
ion
Inte
grity
Secu
rity
& Us
er A
uthe
ntic
atio
n
Testing Stack
Client & Server Code Base
Unit Test Suite
Integration Test Suite & Off-Nominal Testing
Manual Regression & Scalability Testing
Automated Regression Testing
Junit
Junit
Java
Sillenium
Automatic Execution On Every
Code Commit
Execution Before Every Release
Ensuring High Quality Code With
Every Release
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10101010101010101010
10101010101010101010
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Development Process
Agile Methodology Continuous Development
Continuous Testing 6-16 Week Release Cycles
Requirements Engineering Interface Design & Testing
Development & Unit Testing Code-Reviewing Development Team
Quality Assurance & Testing Team
4-12 weeks
Continuous Integration (CI) Testing Nightly Test Server Builds
Re-Testing Integration Testing Regression Testing Migration Testing
2-8 weeks
Documentation Optimization
Planning
Release on SandboxStart Release on Production
Re-Testing Smoke Test
Automated Regression
Endless Improvements New Features
Security Performance
Bug Fixes
Community-Driven Development Requirements Engineering Interface Design & Testing
Re-Testing Smoke Test
Automated Regression
Embrace Digital: Innovate on Channels & Services
Channel innovation will be a defining feature of the future. New technology means banks are likely to pursue significant channel innovations to reach SMEs.
‣ Automate business workflows ‣ Automate credit decisioning ‣ Automate client communications ‣ Integrate to your online presence ‣ Integrate to cards and payment channels ‣ Integrate to 3rd party applications
Leverage Simple APIs Rapidly Innovate and Integrate
‣No consultants or SIs required ‣No proprietary standards ‣ Deploy in weeks, not months ‣ Innovate quickly and cheaply ‣ Experiment at low cost ‣ Launch mobile & tablet apps
In just days or weeks, at minimal cost, our clients can rapidly integrate into
developer.mambu.com
The Challenge
How do you integrate unique pieces of business logic as part of
your core banking platform?
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Traditional Core Banking Customization Approach
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Traditional Core Banking System‣ Customize code of the the traditional core bankings system
‣ Identify & modify mission-critical code pieces in all places
‣ Retest entire system and ensure no unintended consequences
Approach
‣ Highly dependent on (expensive) system consultants and vendor specialist
‣ Monolith architecture creates code complexity and very slow changes
‣ Changes are very risky to make: a lot of testing and re-testing required to deploy any modifications
‣ Upgrades becomes slow and costly due to need to carry changes
‣ Vendor support required to implement and support customizations
Disadvantages
- Custom Code
Mambu API-Driven Approach
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Cloud Banking Platform
Custom Code
‣ Build custom code plugins outside the core ‣ Develop in any programming language, deploy on
any server ‣ Interact via standard REST APIs ‣ Embedded code into ui via extensions points
Approach
‣ Micro-services concepts allows any developer (in-house or 3rd party) to develop, maintain and adapt code
‣ Order of magnitude less time & code to write, modify and adjust code
‣ Standard APIs eliminates need for vendor-specific specialists and deep system knowledge
‣ API interaction ensures changes to code or to Mambu are compatible between upgrades
‣ Easier ability to interact with other 3rd party system and web-services as part of logic
BenefitsAPIs
APIs APIs
APIs
APIs
- Custom Code
Multi-Tenanted AWS Cloud Single-Tenanted (VPC) AWS Cloud Private Non-AWS Cloud
DescriptionStandard deployment for small to mid-sized
institutions doing lending. Usually used by non-banks or banks in emerging economies
Used by mid-sized to large institutions doing lending and deposit products. Dedicated control environment to needs of customers. Used by both banks and non-
banks
Deploy in a private cloud environment (not AWS) buy using a Mambu-approved OpenStack implementation by the data centre provider. Used exclusively by banks
and large financial institutions
Benefits Best-in-class cloud provider and most cost-effective deployment
Still cost-effective but more control over release windows, maintenance windows. More predictable performance. Granular, customized performance
control and infrastructure security controls
Complete control of data centre provider and location. Able to deploy in-country when required and AWS not
available.
Disadvantages Minimal control of new release deployment windows, shared infastructure More expensive than multi-tenanted
Typically worse SLAs and performance than AWS environment. Slower time to problem resolution and
less reliable. Most expensive deployment option
Webhooks Integrations
Easy External Notifications Define Custom Triggers
Call Your URLs Send any System Data
JSON/XML/CSV or Other
Sample Use Cases Business Process Automation
Customer Notifications Internal Communications
Fraud Detection
Integrate. Automate. Scale.
Webhooks make Mambu the central nervous system of your online financial platform
Payment receivedAccount approved
Withdrawal made Payment past due
App Development
Powerful, Flexible & Easy Build Your Own Web Apps Any Language, Any Servers
Integrate Directly into Mambu’s Interface Leverage APIs & Webhooks
Pull and Push Contextual Data
Mambu Apps allow partners & developers a easy way to extend Mambu's capability and to add additional value to institutions
Example 1: Auto-Transfer Accounts
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Business Case
Pseudo-Code
We want to automatically move Current Accounts that have been active for more than 3 months to a Salary Account which has different terms and conditions.
Get all active deposit accounts for a product 'CURRNT' that has been active for 3 months or more Create a new account for the client with product 'SLRY' Transfer balance of account above (A) into this account (B) Close account A
Implementation Effort
Actual Code
See the complete code (in Java) here: http://tinyurl.com/gncyn62
Under 1 man-day of development time Under 120 lines of code
Example 2: Different Fees Depending on Transactions
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Business Case
Pseudo-Code
We want current accounts that had more than 6 movements in the last 6 months and 600€ in payroll transactions to have a lower fee of 3€ than our usual fee of 8€
Get all active deposit accounts for a product 'CURRNT' that have been active for 3 months or more IF that account has: 600 or more in deposit transactions tagged of type (custom field) ' payroll' and at least 6 movements (deposits/withdrawals or transfer) in the last 6 months THEN Apply a 3€ fee on the day interest is applied ELSE Apply a 8€ fee on the day interest is applied
Implementation Effort
Actual Code
See the complete code (in Java) here: http://tinyurl.com/zjgufls
Under 1 man-day of development time Under 140 lines of code
