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IndustryEdgeSpecial Edition
Mobility in Banking
Feature stories
Moving up the value chainwith mobile wallets
Authentication andconsumer cloud
identity management
Topline revenue growthopportunity for BCI Bank
HP Enterprise Services Issue 006 Summer 2012
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Table of contents
Introduction 4
A world of opportunity fueled by mobility and connectivity 6
Seize the opportunity 8
Secure, high-quality mobile banking experiences 10
Moving up the value chain with mobile wallets 14
Mobility from the branch to the app 16
Discover your next mobile opportunity 18
Mobilize the future 20
The mobility challenges in banking 22
Think beyond the device 25
Authentication and consumer cloud identity management 26
The mobile impact 28
Enable enterprise mobility 30 Topline revenue growth opportunity for BCI Bank 32
Immersive user experiences with HP Labs 34
Developing cross-platform mobile banking apps 36
Contain the cost of mobile testing 38
Take it to the vault - the enterprise app store 39
Take the next step 40
Enable enterprise mobility in your bank 42
HP Mobile Application Services 44
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Introduction
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A world ofopportunityfueled by
mobility andconnectivity
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7Mobility in Banking Special Edition
Providing a consistent experience
across all customer touch points is
critical to maintaining trust.
An era where 60 percent of the worlds
population has a mobile phone presents
both opportunities and challenges to the
nancial services industry. People now expect
to be provided with anywhere, anytime
access to information that transcends their
professional and personal lives as well as the
means to act on it. Banks and other nancial
institutions can seize this opportunity
to transform the way they interact with
customers. But how you implement mobile
solutions is critical to maintaining the trust
that is the heart of the nancial services
industry. Mobility enables several key
nancial sectors to provide new
customer services:
Banks move up the value chain with mobile
payment solutions.
Merchants send discount oers directly to
credit card holders based on GPS location.
Insurance companies enable people to
assess damages and le claims directly
from the crash site with a simple scan of
the vehicle identication number.
Customers deposit checks and pay their bills
directly from their mobile device.
Financial analysts help customers manage
portfolios and create wealth with anywhere-
access to investment information.
Read on to learn how The HP integrated
mobile solutions can help you transform your
customers nancial services experience to
drive new revenue, higher protability and
greater competitiveness.
Paul Ashwood
Global Product Marketing ManagerHP Mobile Application Services
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9Mobility in Banking Special Edition
Seize theopportunity
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10. Mobility in Banking Special Edition
Secure, high-qualitymobile bankingexperiencesMobility is becoming part of daily
life for everyone in the world asbillions of people rapidly embrace
the use of mobile devices. In fact,
research from World Bank cites that
75 percent of the worlds population
have subscribed to mobile phones1.
Although the remaining 25 percent
may not own a mobile phone, theyprobably have easy access to one.
Mobile devices are becoming the most
accessible way to connect and conduct business
with anyone and any business, anywhere. As
ownership of mobile devices becomes more
common and application downloads skyrocket,
lives and lifestyles are rapidly changing. New
forms of access to healthcare, mobile shopping,
and nancial services are transforming how we
interact with customers. Simply stated, mobile
devices are creating a better life experience in
both developed and developing countries.
For IT leadership in the nancial services
industry, this presents an incredibleopportunity as well as potential disruption to
infrastructures and business models. There
will be enormous innovation in this space that
will be a key battleground for all nancial
institutions. The primary advantage is, of
course, that you can reach anyone, anytime,
anywhere. Mobile devices enable new types of
services, such as remote check capture, claims
submission at point of accident, and immediate
person-to-person remittance. In emerging
markets, mobile phones are just now bringing
nancial services to the unbanked (people
without a bank account), enabling
nancial inclusion.
Employees need choice
of mobile devices as wellCustomers expect you to support their device.
However, IT departments typically oer
employees a limited choice of corporate-
approved mobile devices. This is changing as
banks realize that employees can be more
1World Bank , Information and Communications for Dev elopment 2012: Maximizing Mobile, July 2012
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11Mobility in Banking Special Edition
eective if they get to select their own
mobile device. Your organization must
balance employee choice with protecting
corporate assets.
Employees bringing their own mobile
device to work is called Bring Your Own
Device (BYOD). The benets of BYOD
include being able to shift device costs
to employees, improving employee
satisfaction, and accelerating technology
adoption. Risks include loss of sensitive
corporate data, creating a new penetration
point into the corporate network, and
exposure to fradulent transactions if the
device is compromised or stolen.
ITs challenge is transforming from a closed
corporate-device-only policy to a exible
and agile governance policy. This includes
creating a service assurance framework that
embraces new mobile technology, while
protecting corporate assets. IT must change
their governance policy from supporting only
corporate-sponsored devices to enabling,
while governing, the employee choice and
use of many mobile devices. This requires
technology to manage the mobile devices,
employee training, a published set of usage
guidelines, and employee buy-in thatcorporate will be managing certain aspects
of their mobile device.
Security is critical
Mobility presents several security and risk
management challenges IT must
overcome to deliver a high-quality
customer experience:
Device overload a mix of ever-
changing form factors, operating
systems, and security features, along
with dierent update and life cycles.
App threats often uploaded and
downloaded without sucient
security vetting.
Network threats insecure networks
com bined with a lack of mobile network
visibility can leave the corporate
network vulnerable.
Data threats mobile can also expose the
nancial services system to sensitive data
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12. Mobility in Banking Special Edition
leakage, particularly if the device is lost or the
employee leaves.
User threats non-compliance with
acceptable use and security policies.
A comprehensive approach helps
ensure security and consistency
Mobility presents fnancial services IT
professionals with a platform that can drive
innovation and competitive advantage. It
can also bring challenges in the areas of
security and risk management. Fortunately, a
comprehensive mobility framework addresses
three core problem areas:
The mobile workplace
Mobile device management
Mobile process integration
HP Enterprise Mobility Services can help
identify applications and services that can be
mobilized within your organization. We workwith you to deliver secure, seamless, context-
aware experiences in a connected world. We
also ensure anywhere at any time access
to business and personal applications and
information through a suite of end-to-end
mobile services that span the mobility lifecycle
including planning, applications design,
development, testing, systems integrationand management.
Learn more
Watch the videoto fnd out how HP solutions
can help you harness the power of technology
so you can deliver mobile service experiences
that continue to build trust with
your customers.
Roger Carpenter
Chief Architect, Mobile Cards & Payments
HP Enterprise Business Financial Industry Services
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HP EnterpriseMobility Services Framework
Connectivity
Device
Data Ap
ps
OS
MobilityFramework
Managem
ent
Protectio
n
Platform
Prosumer
Governance Compliance Risk
MoC
Mobile Data GRC - MoC
Mobility Apps PlatformMobility Device Management Unifed Communication
Mobility Protection
Mobile Applications
Infrastructure management
Mobile Device management
App virtualization
Desktop virtualization
Mobile apps native, web
Voice transformation
Virtual workplace
Unied messaging
Network protection
Cloud protection
Mobile data protection
Mobile access protection
Performance engineering
App transformation
Mobile app management Windows 7 / 8 migration
Enterprise Connectivity
Network transformation
Voice over Wi-Fi
Fixed mobile convergence
Cloud services integration
Collaboration
Search / Information
Document management
Social collaboration
Mobile process enablement
Education services (UC)
Education services (mobility)
Mobility policies (BYOD)
Storage consulting
Mobile data transfer
Enterprise data sharing
Analytics (B)
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14. Mobility in Banking Special Edition
Moving up thevalue chain withmobile walletsThere is a turf war underway in
the mobile payment space. Newentrants, including Google, Apple,
and mobile service providers, are
hard at work displacing banks as
the primary provider of payment
services in the virtual world. The
payment container that resides
on the consumers mobile deviceis often referred to as a mobile
wallet. And analysts estimate that
as many as 200 dierent wallets
will be in the marketplace soon.
Mobile wallets can play a strategic role
Although a lot of current focus is on the
payment, its important to remember that
these services are low-margin table stakes.
Strategically, mobile wallets can go further
in providing an access point for banks.
For example, they provide an opportunity
to oer higher-value services that help
maintain customer loyalty and trust in your
nancial institution and provide new revenue
opportunities as well.
In particular, banks can leverage mobile
wallets with existing IT investments to
inuence purchase decisions. This opens
the door for a Groupon type model, where
the entity that aids in creating the sale for a
merchant is rewarded for their eorts with
a percentage of the sale. This percentage isas much as 25 times higher than is currently
awarded for simply processing the payment.
Banks have many other new technical
options for creating demand and moving
cash transactions to mobile, including
location-based couponing and Near Field
Communications (NFC) for merchant
payments. Prepaid cards are one of thefastest growing and largest nancial services
markets, and these types of payments are also
moving to mobile. But it is the investment in
IT infrastructure that provides the important
foundation for these new services.
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Cloud computing, security
and analytics
HP leadership in cloud computing, data
security and analytics can help you create
sustainable value that can be delivered via a
mobile wallet on your customers device.
Cloud computing HP has created a Web-
based secure payment service that can be
called by any mobile application to process
a payment. The payment service utilizes a
tokenization routine that removes sensitive
information from the phone and associated
applications and replaces it with a substitute
number, a token.
Security This is the most critical success
factor for implementing mobile wallets as
access points for high-value nancial services.
To build trust, HP can help you manage data as
directed by the consumer and protect that data
from unauthorized access.
Data analytics HP can help you nd
the sweet spot between discounting and
protability when making oers to mobile
customers. High-speed, ecient data analytics
combined with structured and unstructured
data mining tools help you collect and manage
large amounts of data.
Learn more
Learn howHP can partner with you to align
your mobile applications with your business
strategy and goals and deliver the capabilities
you need with our Enterprise Mobile
Application Services.
Ed Herman
Senior Director, Mobile Cards & Payments
HP Enterprise Business Financial Industry Services
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customers. Mobility also oers several new
engagement opportunities to get closer to
customers, provide them with added value,
and continue to rebuild trust in their ability to
help them.
For example, many banks have developed
loyalty programs and shopping assistance
where customers can choose to receive
oers, incentives, and coupons from specic
merchants. This is often combined with services
such as location-based mobile technology
applications, where a coupon can be sent to
the customer as they approach a merchant
all at the customers choice and discretion.
Services such as this provide value and trust for
the customer and additional engagement and
transactions with their banks. Meanwhile, banks
gain greater levels of customer understanding
and servicing.
New analytic services and capabilities now
allow banks to tailor and target new oers to
specic customer segments. Using customer
intelligence, banks can essentially innovate
on the customers behalf to save them
money, save them time, and deliver every
transaction securely.
Perceived security
concerns debunkedGenerally, the biggest customer objection to
mobile payments adoption is the perceived
notion of a lack of security. The truth is, mobile
payment technology has many safeguards and
even holds some advantages for the customer.
For example, control is always with the
customer, as their payment device is on their
phone. When making a payment at a merchant,
the device never leaves the customers hand.
Passwords and authentication are a critical
component of every application, and access
can be disabled immediately if lost or stolen.
HP Enterprise Mobility Services has
tremendous capacity and intellectual property
to help you select the right approach,
methodology, and implementation plan for
your mobility strategy. Our solutions are
integrated, map to your aspirations and goals,
and t within your risk prole. We also help you
meet compliance requirements and perform
time-consuming testing on your behalf, using
proven methodologies and technologies.
Learn more
Watch this videoto learn more about how HP
can help you extend your legacy applications
to support mobile devices, and help you delivera consistent user experience from the branch
to the app.
Ross Feldman
Chief Technology Ocer Banking, Insurance
HP Enterprise Services
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Discover yournext mobileopportunity
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Leverage your customer interactions
and end-user experiences through
mobile applications. The HP Mobile
Application Workshop provides
you with a structured process
to analyze and select the right
applications, processes, and ideas
for transformation into
mobile applications.
A proven processThe workshop provides a:
Methodology to evaluate existing processes,
applications, and new ideas for mobile
application development
Mobile analysis and report of
evaluated applications
Quadrant chart ranking of applications
evaluated based on business value, mobile
readiness, and ease of implementation
Prioritized mobile application development
map to begin your mobilization journey
We dont assume one size ts all
The value of nancial services delivery via
mobile applications depends on mobile
application readiness, business value, and
ease of implementation. You may choose to
fully adopt the mobile way of life; partially
support mobility for certain segments of
customers, employees, and partners; or
provide only basic mobility services. This
workshop helps you decide on the right
approach for your business.
Are you ready to mobilize?
There is a world of opportunity now available
to grow your market share, create new
revenue streams, and build customer intimacy
fueled by mobility and connectivity. But are
you ready?
Do you know the existing applications you
should mobilize?
Are your systems exible and ecient
enough to handle new mobile applications?
Will these services be secure enough to
protect business data?
Have you brainstormed new ways to reach
new audiences and drive new revenue?
What is the business value of mobilizing
your existing applications, processes, or
new ideas?
Are you able to implement mobile
applications easily and eciently?
The HP Mobile Opportunity Workshop helps
you nd the answer to all of these questions.
Learn more
To learn more, please read the HP Mobile
Opportunity Workshop Service Brief.
Ed Bufone
Mobile Application Consultant
HP Mobile Application Services
http://h20195.www2.hp.com/V2/GetPDF.aspx/4AA4-0650ENW.pdfhttp://h20195.www2.hp.com/V2/GetPDF.aspx/4AA4-0650ENW.pdfhttp://h20195.www2.hp.com/V2/GetPDF.aspx/4AA4-0650ENW.pdfhttp://h20195.www2.hp.com/V2/GetPDF.aspx/4AA4-0650ENW.pdf -
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Mobilizethe future
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Mobilitychallengesin banking
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As nancial services industries
across the globe seek to enable
mobility, the IT departments
within those enterprises are facingsome signicant challenges. A
smart mobilization strategy must
consider cost containment, security,
performance, device diversity, and
speed to market.
Cost containmentFor the past two decades, over 90 percent of
enterprise business applications have been
accessed by employees running corporate
standard Windows desktop images. Today
however, the popularity of tablets and smart
phones, and the expectation of mobility is
changing that paradigm.
For the IT organizationthis can spell trouble!
IT is now faced with the challenge of containing
the cost of developing, testing and supporting
enterprise applications across a diverse range
of devices, operating systems, and
browser combinations.
Security
Security is often ranked as the number-onechallenge for enterprise mobility and with
good reason. Have you considered what
happens if the device is lost or stolen? Can
the device be used to gain access to sensitive
enterprise information? Does the device
store passwords or account numbers without
encryption? How do you develop secure mobile
enterprise applications?
Performance
The quality of the user experience is greatly
impacted by the end-to-end performance of
the mobile application. These applications
transcend multiple layers of technology
and network segments to deliver enterprise
information when and where needed.
Performance must be validated on real
devices, in real locations around the globe, andacross real carrier networks.
Device diversity
The rapid integration of mobile technology
into peoples lives is forcing organizations
to support a very diverse range of preferred
devices including iPhones, iPads, Windows,
Android and Blackberry devices. These devicesuse a variety of mobile browsers including
Chrome, Safari, Silk, IE, and Firefox. The
challenge for IT is to deliver applications to
these devices while still being able to contain
the cost of development, testing and
ongoing management.
Speed to market
The race is on to deliver new applications and
services that increase competitive advantage
through mobility. The challenge however, is
to balance speed of release across a range of
devices with the quality experience todays
tech savvy users expect.
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A four-step
implementation process
HP has helped many nancial services clients
create powerful mobile banking solutions. We
follow a four-step process to help you grow
market share, connect with customers and
create new revenue streams.
Step 1 Plan
Discover enterprise priorities
Assess and align todays capabilities with
tomorrows needs
Step 2 Build
Design a great user experience
Implement a hybrid solution to contain costs
or a native solution to maximize
user experience
Test with real devices, real locations and realcarrier networks
Step 3 Integrate
Support mobile applications by integrating
them within a mobile architecture.
Step 4 Run
Deploy, operate, and rene your
mobile environment
Comprehensive services from HP
HP Enterprise Mobile Application Services are
designed to support you every step of the way:
Assess the environment: Mobile Enterprise
Strategic Assessment
Discover the opportunity: Mobile
Opportunity Workshop
Design the architecture: Mobile Enterprise
Solution Architecture Consulting
Develop the solution: Mobile
Application Development
Test the environment: Mobile
Application Testing
Globalize your mobile solution: Mobile
Application Content Globalization
Open the App Store: HP Enterprise AppStore
Learn more
We know that a well-designed mobile
environment can be a catalyst for business
growth. When you team up with HP winning is
the name of the game.
The mobile way of life becomes acompetitive advantage, not a threat
You discover new insights from customers,
suppliers and employees
You reach new customers and
increase revenue
You have a secure, mobile solution that is
agile, responsive, and adaptable
Learn moreabout the challenges facing the
banking industry and how HP solutions can
help you build trust with your customers.
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Think beyond
the deviceThe survival of your company is in your
hands literally. Mobility opens endless
opportunities for nancial services companies.
It is a powerful tool you can use to transform
business as usual into a connected experience
that builds customer intimacy, empowers
employees, and grows market share.
Delivering secure, seamless, context-aware
mobile banking experiences in a connected
world is a game winning strategy you cant
ignore. To capture the full potential of the
mobile market you have to think beyond
the device to include integration, analytics,security, and the cloud.
Think cloud
Mobile applications accessing cloud-enabled
services are rapidly becoming the new norm in
modern enterprise applications development
projects. They let you provide new, rich, scalable
and cost-eective nancial services without
heavy upfront infrastructure investment.
Think integration
Enterprise mobile applications traverse
multiple layers of systems and technology to
deliver business functions to mobile workers.
Integration within the mobile architecture is
key to enabling mobile apps.
Think analytics
Context-aware applications use business
analytics to understand customer proles,
preference, sentiment, location, and history to
create a positive experience. They provide you
with the ability to oer customized nancial
services that can generate new revenue
streams and higher prots than from
simple transactions.
Think security
Security is often identied as the number-
one challenge to enterprise mobility. Wemust build security in mobile applications
and devices to prevent unwanted access to
enterprise information.
Learn more
Watch this videoto learn how you can develop
a comprehensive enterprise mobile strategy
to address the massive changes driven by a
rapidly changing mobile world.
Paul Ashwood
Global Product Marketing Manager
HP Mobile Application Services
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Authenticationand consumercloud identity
managementRepeatedly, customer surveys on mobile payment and mobile bankingreturn similar ndings consumers are concerned about security.
Similarly, banks have the same concern, as they control less and less of
the devices used to access accounts. The secure tools to authenticate
customers are limited. Most phones dont come with a triple DES-
certied PIN pad.
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Todays industry standard links the consumer
to the payment instrument and the payment
instrument to the phone. This approach is
similar to what is used for home banking:
provide the consumer with challenge
questions and if the response passes, place
some cookie/token within the application that
can be checked later.
But unlike home computers, mobile phones
are mobile. They can be easily picked up by
someone else, and if possession is all it takes,
unauthorized payments can be made. Or
perhaps in the future, the phone doesnt even
have to be in the criminals possession for
software to clone or spoof a particular phone.
On the positive side, mobile phones have the
ability to do much greater authentication than
a PC four factors to be exact:
Something you have: The phone
Something you know: Your password
Something you are: A biometric prole (voice,
ngerprint, retina, etc.)
Somewhere you are: A check that ensures
that the phone is in the location requesting
the authorization
But there has to be some balance, since a
physical location purchase does not have the
same luxury of time as does an ecommerce
transaction. Your order on Amazon can wait
while you run for coee, go to work, watch your
show, etc. In a store, however, throughput at
the cash register is the name of the game. No
one wants to wait while a consumer enters a
PIN, recites keywords, or scans their retina.
Inevitably, consumers will dictate how they
want to be authenticated, and that may dier
for the type of transaction performed. Checking
for the phones presence is ne for a stop at a
petrol station, but a biometric check may be
desired for a big-ticket item purchased in an
area far from home.
Mobile banking applications must take
into account this potential change in the
transaction. Perhaps the authentication is
completed prior to approaching the cash
register, and then the checkout will return to
a simple tap and go. Responding to these
changes requires agile and adaptive banking
and payment applications as well as a variety
of tools to perform the authentication and
security function.
Jim Eads
Account Executive
HP Enterprise Services
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28. Mobility in Banking Special Edition
The mobile impactOnce seen as a leading-edge innovation, mobility is quickly becoming
a table-stakes requirement for any competitive enterprise. Customers,
employees and partners now demand and deserve the convenience
and always/anywhere service that only enterprise-class mobility can
provide. Organizations can realize substantial benets from enterprise
mobility. From enhanced productivity and strengthened customer
relationships to reduced risk, greater insights, and accelerated growthand revenue opportunities, the upside of mobility is clear.
Yet to realize the potential of the extended
enterprise, organizations must address both
the strategic and tactical requirements of
business mobility including the unique
challenges of enabling mobility within the
enterprise. Secure, seamless, context-aware
mobile solutions are literally the killer apps
driving todays most successful organizations.
By addressing the unique demands of an on-
the-go app portfolio, organizations can realize
the full potential of true enterprise mobility.
Embracing the mobility chaos
Mobility is remaking the enterprise landscape,
and is delivering unprecedented opportunitiesas well as signicant new challenges. A
recent Forrester survey1 of more than 4,900
information workers found that executives
were driving mobility uptake. Ninety percent
of executives use mobile devices while moving
between work, home, and travel, while 35
percent of employees work primarily on oce-
based desktops. The survey also found that
organizations continue to be concerned about
security and the integration of new devices.
To fully realize the promise of mobility,
enterprises are re-evaluating how technology
is used and embedded in their organizations.Forward-looking enterprises will design
new processes and methods to meet new
customer and constituent demands. They
will build more exible systems to meet
changing requirements. And they will interact
with customers and stakeholders in more
convenient, more personal and more
ecient ways.
This approach leverages behind-the-scenes
technology to integrate and automate the
value chain, to manage risk, and to accelerate
innovation. It streamlines service delivery to
customers, employees, partners, and citizens.
And it drives the new mobility enterprise,
giving employees freedom and exibility while
1Forre ster, State of the Workforce Technology Ad option, 2011
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compressing timeframes and strengthening
customer relationships.
Enabling enterprise mobility
The HP approach to enabling enterprise
mobility is ideal for organizations across all
industries that wish to reach their constituents
across multiple networks and devices. We
accomplish this by delivering applications,
content, and services in a scalable, secure,
and reliable way. This approach leverages our
global applications services capabilities to
provide the architecture, systems engineering,
development, and support services our clients
need. In this way we can help an organization
simplify its applications, extend them where
necessary, and build mobile business-
to-business, business-to-consumer, and
business-to-employee applications.
This approach also leverages the well-dened
and mature, HP service-oriented architecture
(SOA). HP SOA is supported by development
and security frameworks that create building
blocks from monolithic legacy applications.
These are used to develop and deploy mobile
applications that are designed with the future
in mind. Our methodology goes beyond cool
devices and ashy user interfaces; it is a
thorough and comprehensive look at how
mobile applications are developed, deployed,
managed, and governed in mid-sized and
large enterprises.
Learn moreRead the HP Viewpoint paper Enabling
Enterprise Mobilityto nd out how you
can transform your enterprise for a mobile
computing environment.
Charlie Sarjeant
Mobile Application Consultant
HP Mobile Application Services
Enabling Enterprise Mobility - HPs point of view
Step 1Review, establish & refine
foundational policies
Strategy Privacy Security End user
Mobilearchitecture
Manageddevices
Step 3Establish the architecture to
support enterprise-class
mobile applicationsMobile enterprise architecture platform
Mobile UE/AD/testing
Cloud
App Store
Mobile appdeployment
Collaboration
Thin client Container Native
Infrastructure: Servers Storage Network Software Info
Step 2Define the collaboration
infrastructure for the
organization
Email SMS Blog
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30. Mobility in Banking Special Edition
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Enableenterprisemobility
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32. Mobility in Banking Special Edition
Topline revenuegrowth opportunityfor BCI
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33Mobility in Banking Special Edition
Banco Credito Inversiones of Chile (BCI) wanted to create an innovative,
context-aware mobile application that would drive increased usage by their
credit card holders. And they knew that a compelling user experience was
critical to success.Location awareness supports
new services
BCI had an idea that using the Global
Positioning System (GPS) functionality on their
customers mobile devices might provide an
opportunity to deliver higher-value services to
them. Knowing the customers location would
let the bank send discount oers to local
businesses like retail stores and restaurants
in close proximity to the customers current
location. If retailers made more oers, a
percentage of card holders would accept and
make additional charges to their cards.
Designing the user experience
Together, BCI and HP collaborated on a
wireframe design as proof of concept for
the Benecios mobile app. Next, HP built
the app using native features of the mobile
devices to drag and drop selected categories
to the preference screen, and then nd the
nearest matching oers using the phones
GPS location. BCI customers can then share
the benets and oers they receive with their
family and friends on Facebook and Twitter.
Launching the app
In the rst four months of operation, theBCI Benecios mobile app was downloaded
to more than 10,000 iPhones and Android
devices. BCI customers are enjoying the
benets of discount oers sent directly to
their mobile devices, while the bank is
anticipating revenue growth from increased
card activity. Local businesses are also happy
as they look forward to increased sales from
their promotions through the Benecios
mobile channel.
Learn more
To learn more about the mobile app
development capabilities that HP can bring
to your own banking services, please visit
HP Enterprise Mobile Applications
Services online.
Alejandro Montenegro
Strategic Account Leader
HP Enterprise Services
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34. Mobility in Banking Special Edition
Immersive userexperiences withHP Labs
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35Mobility in Banking Special Edition
A compelling user experience is
often the most important factor in
the adoption of new mobile apps.
The nancial services industry in
particular must deliver a consistent,
high-quality experience to their
customers across all touch points
mobile, online, and at the branch
oce. In this way they will maintain
the trust that is essential to retaining
loyal customers.
Creating the future
HP Labs is the exploratory and advanced
research group of Hewlett-Packard.
For mobile and immersive experiences,
we design compelling user experiences
that fundamentally change how people
communicate, collaborate, socialize,and entertain.
At HP Labs, we see a future in which human
interaction with technology becomes
completely intuitive, wherever you are. To
get there, were radically simplifying the
user experience by focusing on seamless
collaboration, across devices. And by making
computer and human interactions intuitiveand simplewherever you arethe adoption
of information technology will be far more
pervasive than it is today.
From wireframe to deployment
People are looking for fast, context-aware
methods of interfacing with technology. They
expect technology to be easy to use, reliable,
and personalized to transparently enablemobile and immersive experiences. And
nothing will drive the continued growth and
applicability of technology more than the point
of human interface.
Thats why our HP mobile apps development
teams tap into the expertise of HP labs to help
design compelling wireframes for your nancial
services application before a line of code iswritten. We believe the user experience should
drive the technology.
Learn more
To learn more about HP Labs and the role
they play in creating compelling mobile user
experiences for your nancial services, visit the
HP Mobile and Immersive Experience lab
web site.
Roger Carpenter
Chief Architect & Technologist Cards and Payments
Services, Financial Service Industry, HP
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36. Mobility in Banking Special Edition
Developing cross-platform mobilebanking appsEnterprises are increasingly using
mobile devices as a channel tointeract with their customers,
suppliers and employees. However,
as more and more smartphones
become available, the question
of which devices and operating
systems to target presents a
challenge for nancial services.
Developing for afragmented market
The mobile and tablet device market is very
fragmented, as illustrated below.
Organizations need to support multiple mobile
platforms to ensure they reach their desired
market. However, the development costs and
time associated with developing multiple
applications supported by multiple mobileplatforms are proving to be a challenge for
many organizations.
Typically challenges faced by a nancial
services enterprise include:
Fragmentation of devices, operating
systems, display size, connectivity, etc.
Frequent upgrades to operating systems
Secure access to corporate apps
Data security threats
Dierent user experience in dierent devices
Development and testing of applications on
multiple devices and platforms
Frameworks for cross-platform development
The key objective in using the framework is to
create applications that would be available on
a majority of the mobile platforms with less
cost. This can be accomplished by using a new
Blackberry
iOS
Sep 11 Nov 11 Jan 12 Mar 12 May 120%
12%24%36%48%60%
Symbian
Android
Other
JavaME
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37Mobility in Banking Special Edition
generation of cross platform development
frameworks. This enables you to write once
and run anywhere. HP has rich experience in
the development of cross platform applications
for various customers.
Learn more
To learn more about the challenges of cross-
platform development and how HP can help,
watch this Cross Platform Development video.Andrew Mitchell
HP Americas Mobile Technology Consultant
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38. Mobility in Banking Special Edition
Contain the cost
of mobile testingTodays technology-savvy
users and consumers have high
expectations when it comes to thequality of their service experience.
They expect immediate, anytime,anywhere access to applications
and information on their preferred
devices. These devices support the
intersection of their personal and
professional lives as enterprises
across the globe deal with the
policies and challenges of Bring
Your Own Device (BYOD).Test automation helps manage
fragmented platforms
No one can really say with any certainty what
their addressable market is in terms of mobile
platforms, device form factors or
operating systems.
That makes it hard for you to ensure a
consistent user experience and meet essential
banking requirements including security. With
such a diverse range of devices in the market,
manually testing the service experience
on each and every device is a daunting
task and one that benets greatly from
test automation.
Real devices, real locations,real carrier networks
HP has developed an automated test script
that can test an application or service on many
devices. Our solution accesses real devices, in
real locations, across real carrier networks in
the cloud, so you can rest easy knowing that
your applications will deliver a high quality
service experience.
Learn more
To learn more about HP test mobile apps,
watch this video on HP Testing for Mobilityor
read HP Testing for Mobility At-a-Glance.
Paul Ashwood
Global Product Marketing Manager
HP Mobile Testing Services
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39Mobility in Banking Special Edition
Take it to the vault -the enterprise app storeBanking has come a long way since Congress
chartered the rst Bank of the United States
back in 1791. For many years, people had to
go to the bank and conduct business in person
with a bank teller. Then in 1946 (yes, it was
that long ago) the Exchange National Bank
of Chicago created the drive-in bank where
customers could deposit their money and
receive their withdrawals from the comfort of
their automobiles.
Today, the mobile channel allows banks to
deliver interactive, consistent, and trusted
user experiences to their employees and
customers, whenever they want from
wherever they may be. Instant banking
has arrived.
Providing mobile banking applications over
a wide range of devices creates customer
loyalty and, as such, is an essential element of
banking in the 21st century. The most ecient
and cost-eective way to mobilize banking
services and help ensure a consistent and
high-quality user experience is through an
app store.
Enterprise app store for banks
An enterprise app store lets the banks IT
department and mobile app developers create,
certify, distribute, and manage mobilized
versions of company applications for
employees and customers. The enterprise app
store provides access to an easy-to-use portal
where users can download apps from the bank
to their preferred device.
The HP Enterprise App Store solution provides
banks with the ability to:
Personalize employee access
Support multiple device types
Ensure easy browsing for the most useful or
latest app
Support multiple languages
Structure access for dierent employee job
types and grades as well as location and
other criteria
Provide app refresh, usage tracking and
end-of-life decommissioning for all
device types
Ensure apps perform properly across device
types and in varied usage scenarios
Paul Ashwood
Global Product Marketing Manager
HP Mobile Application Services
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Take thenext step
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42. Mobility in Banking Special Edition
Enable enterprisemobility inyour bankWe hope youve found the information provided in this Banking on Mobility
eBrief useful for planning your own mobilized services. The many clientsthat HP works with in the nancial services industry are already seeing great
results from their mobile initiatives including new revenue streams, greater
customer loyalty and more cost-ecient operations.
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43Mobility in Banking Special Edition
Mobile strategies:
a broad spectrum
The most important thing weve learned
from our banking clients is the need to take
a strategic and comprehensive approach to
mobile applications. No matter the medium,
nancial services have stringent requirements
for security, eciency, compliance, and a
consistent user experience that helps maintain
trust with customers.
Thats why HP thinks beyond the device to
develop a full range of Mobility Services to
help you get started:
Mobile Enterprise Strategic Assessment
Services designed to help you develop
enterprise-level mobile strategies, plans and
solutions to drive added value.
Mobile Opportunity Workshop We help
discover the processes or ideas to developmobile applications based on their business
value, IT readiness and ease
of implementation.
Mobile Application Development HP
provides cross-platform and native-
environment development services spanning
all major operating systems. We use leading
design-for-run, agile development methodsto deliver context-aware, secure and reliable
mobile applications.
Mobile Application Testing Using real
devices across real carrier networks, HP
ensures your mobile applications work across
multiple platforms, and that the desired user
experience and security is achieved.
Enterprise Mobility Services for SAP
Let HP help introduce mobility for the SAP
applications supporting critical business
transactions that run your company.
Enterprise Mobile App Store and Gateway
The HP solution for the easy download
of mobilized versions of company
applications and a fast, secure link between
those mobile applications and
enterprise information.
HP Mobile Workplace Services Extend
and manage enterprise desktop voice,email, applications, and data services to
mobile employees enabling users to access
corporate systems via smartphones, tablets,
and other mobile devices.
HP Enterprise Mobility Services for SAP
services ranging from strategic assessment
to the development, integration, testing
and management of mobile apps for your
enterprise SAP environment.
HP Mobile Workplace Services provides
mobile device management, security,
messaging, service desk, break and restore
and carrier management.
Visit us
To learn more about the mobile application
services provided by HP, please visit our
web page.
Paul Ashwood
Global Product Marketing Manager
HP Mobile Application Services
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HP Mobile Application ServicesThe survival of your company is in your hands literally. The mobile world
opens endless opportunities for companies that recognize and use its power totransform business as usual into a connected experience that builds customer
intimacy, empowers employees, and grows market share. Its a game winning
strategy you cant ignore.
Think beyond the device.Mobility is more than just the device you hold in your hands its anunstoppable phenomenon fueled by the consumer that expands yourenterprise and plugs it into the planet.
300 millionpeople have broadband access
57%of corporate employees aroundthe world are mobile employees
8x Fastermobile web adoption growth ratecompared to the internet
130 millionpeople will be accessingthe mobile cloud by 2014
60%of the worlds populationhave a mobile phone
Billionsof devices are connected to the internet
A smart mobilization strategy must consider:
Increasedsecurityfor lost or stolendevices, passwordprotection,unauthorizedaccess
Cost containmentassociated withdeveloping, testing,supporting applicationsacross many devices,mobile operatingsystems, and browsers
Greaterperformanceto be validatedon real devices, inlocations aroundthe globe, acrosscarrier networks
Devicediversityand how itcomplicatesapplicationsupport and costcontainment
Speed tomarketas important,but not at theexpense ofquality
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Extend theEnterprise.Create secure, seamless, context-aware
experiences for a connected world.
HP Mobile Applications ServicesDesigned for anywhere, anytime access.
Now there are no boundaries
Resulta winning strategy for growing market share, connecting with your customers, and creating new
revenue streams.
Get your game on with HP
We know that a well-designed mobile environment can be a catalyst for business growth.
Assess the environmentMobile Enterprise Strategic Assessment
Discover the opportunityMobile Opportunity Workshop
Design the architectureMobile Enterprise Solution ArchitectureConsulting
Develop the solution
Mobile Application Designand Development
Test the environmentMobile Application Testing
Globalize your mobile solutionMobile Application Content Globalization
Deploy and manageMobile App Store and Mobile
App Management
Discover insightsYou discover newinsights from customers,suppliers and employees
Research newcustomersYou reach new customersand increase revenue
Secure and agileYou have a secure, mosolution that is agile,responsive, and adapt
Mobile lifeThe mobile way of lifebecomes a competitiveadvantage, not a threat
Plan
Discover enterprise mobile priorities Assess and align todays capabilities
with tomorrows needs
Build Design a great user experience
Implement a hybrid solution tocontain costs or a native solution tomaximize user experience
Test with real devices, real locations
and real carrier networks
Integrate Support mobile applications by
integrating them with a mobilearchitecture and a convergedinfrastructure.
Run Deploy, operate, and rene your
mobile environment
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Copyright 2012 Hewlett-Packard Development Company, L.P. The information contained herein is subject to change without notice.The only warranties for HP products and services are set forth in the express warranty statements accompanying such products andservices. Nothing herein should be construed as constituting an additional warranty. HP shall not be liable for technical or editorial errorsor omissions contained herein.
4AA4-2734ENW, Created July 2012
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