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Fñ]UC,AWI-,R#e< F~ >Ջr(((((((((((((OQ|Kr9"kERQEQEQEQEQEQEQEQEQEQEQEQEQEIu˪~^2?1{Q 5RTU}E| 5RTU_(KPW_(KQ 5RTU}E| 5RTU_(KPW_(KQ 5RTU}E| 5RTU_(KPW_(KQ 5RTU}E| 5RTU_(KPW_(KQ 5RTU}E| 5RTU_(KPW_(KQ 5RTU}E| 5RTU_(KPW_(KQ 5RTU}E| 5RTU_(KPW_(KQ 5RTU}E| 5RTU_(KPW_(KQ 5RTU}E| 5RTU_(KPW_(KQ 5RTU}E| 5RTU_(KPW_(KQ 5RTU}E| 5RTU_(KPW_(KQ 5RTU}E| 5RTU_(KPxIu w-[o7CvWv)X  42009 IB je standardn sou st bankovnch slu~eb vaech bank IB slou~ nejenom k platebnmu styku, ale postupn i k dalam slu~bm, stv se virtuln pobo kou Rizika IB jsou znma a v se, jak je eliminovat (PKI) IB je hromadn vyu~vn firmami i jednotlivci, v platebnm styku pYevyauje pobo ky. Nedovra je permanentn pYekonvna rovn slu~eb, komfortem, rychlost a dlouhodob dobrmi zkuaenostmi IS pro IB jsou realizovny jako satelitn systmy k zkladnm BIS. Mus respektovat mo~nosti, kter zkladn bankovn systmy nabzej. 6PPmPo~adavky $mZ1998 (Expandia Banka) Klientsk IS, kter nabdne zcela novou roveH komfortu pYi ovldn jednoduchch bankovnch produkto (B, TV) a pYitom bude provozn nenro n a levn. Pobo ku vy~adovat pouze pro  smluvn jednn Bezpe nost na rovni, aby se to nedalo ani pomlouvat Podpora zkladnch backoffice funkc pro prci s klienty na pobo kch 2000  2004 (dala banky) Modul platebnho styku nad zkladnm BIS  & abychom to mli tak Bezpe nost alespoH na rovni ostatnch pYmch kanlo (napY. telefonn bankovnictv) 2005   Mrn pokrok v mezch zkona PBPPPPPmBmmmm  m  Stav IB dnes $mIB je standardn slu~bou s nepodstatnmi rozdly mezi jednotlivmi bankami Rozvoj IB je velmi limitovn stavem BIS v bankch, proto~e je vlastn rozhranm (s vlastn DB) k jinm, vesms historickm BIS zamYenm na pobo kov a backoffice procesy Kupodivu dlouhodob nejspanjam IB je stle ten prvn (dnes eKonto), i kdy~ se z hlediska rozvoje funkcionality pro klienty tak v podstat zastavil*Zmm5S  Hodnocen IB dnes$m\Je dosa~en stav, kter je zYejm blzk clovm pYedstavm o IB jako jednom z distribu nch kanlo tradi nch bankovnch slu~eb a elektronickm kontaktu s klienty BIS jsou rozshl heterogenn systmy vyu~vajc rozn technologie. Vy~aduj vynakldn obrovskho sil, investic a nklado pro udr~en jejich chodu a pro dala rozvoj produkto a slu~eb. IB je jednm z dl ch systmo. Dky koncentraci a globalizaci dochz k rozhodovn o rozvoji a zmnch BIS jednotlivch bank ve velk mYe v mateYskch bankch, tedy daleko od aktulnch problmo a potYeb mstnho trhu. Motivy pro zmny a rozvoj vychzej pYedevam ze snahy o sjednocovn systmo a platforem a zjednoduaen YzenPm Co dl?$m2V krtkodobm horizontu zYejm neexistuje univerzln postup Rozn BIS Rozn strategie vlastnko (centralizace x vyaa volnost) Rozn pozice subjekto nabzejcch bankovn slu~by (banky, zlo~ny) Zmna paradigmatu Internet nen jen hi-tech distribu nm kanlem slu~eb pro klienty Vvojov i provozn technologie jsou na vysok rovni a umo~Huj tvorbu internetovch aplikac s vlastnostmi  klasickch tlustch aplikac Internet je obecnou, velmi vkonnou a dobYe ovladatelnou komunika n infrastrukturou v nejairam slova smyslu, stejn jako jsou napY. silnice Obecn komunika n infrastruktura je pro vaechny Internetbanking ve smyslu aplikace pro klienty je proto jenom dl  vyu~it internetu v oblasti bankovnictv a bankovnch IS Internet, provozn prostYed, bezpe nostn technologie a vvojov nstroje jsou pln pYipraveny pro vyu~it v libovolnch oblastech. NevytvYej ~dn omezen. Od IB mo~eme chtt vc=PPP\PPPP=mmm\m  mmm, 2Kl ov klientsk procesy$mProcesy, ve kterch figuruj klienti banky i jejich ty V sou asnosti se odehrvaj na vaech distribu nch kanlech, pYedevam pobo kch, IBm :Efektivita poskytovn slu~eb$mKa~d poskytnut slu~by vy~aduje kontakt banky a klienta IB zkrtil cestu klienta do banky Je tYeba zkrtit cestu banky ke klientovi Mobiln pobo ky Mobiln bankYi Extern prodejn st Je potYeba mt  mobiln BIS Z6!m6m mm  Mobiln BIS  $mxZkladn funkce Evidence a sprva kliento Kompletn sprva to Sprva dokumento Provozn po~adavky Mobilita Snadn instalace a deinstalace Nezvislost na provoznm prostYed Bezpe nost ZAZZVZZZmAmmVmmm 2 IBIS$mInternetov aplikace po~adavky pYirozen naplHuj Kompletn centrln sprva Nevy~aduj distribuci Internetov prohl~e  je vaude Dala mo~nosti Data a aplikace mohou bt kdekoliv Provoz mo~e bt outsourcovn IBIS mo~e bt outsourcovnz2ZPZZ[Z2mPmmZmm,   Outsourcing IBIS$mDefinice Outsourcingu obecn: Vytsnn sti njak innosti (IBIS) a pYenechn jejho provozovn specializovan spole nosti, Provozovn tto innosti (IB IS) za splnn pYsnch smluvnch kritri Dovody pro outsourcing IBIS: IBIS jsou slo~it a vy~aduj velmi specializovan know-how v mnoha oblastech, BIS jsou stejn fakticky bankami outsourcovny (tvary IT jsou firmami ve firm s vlastnmi prioritami. Pouze jejich odpovdnost je mena, ne~ je mo~n nasmlouvat v obchodnch vztazch) Vysok nklady na: HW, OS (opera n systmy), SW, vvoj, provoz, rozvoj, dr~bu, podporu u~ivatelo, bezpe nost, analza, nvrh, vvoj, testovn, definovn a dr~en strategie IS, Yzen projekto. Provoz IS nen pro vtainu firem primrn innost, ale pouze nstroj k dosa~en cloPPPPPUPmmmmmUmP5 j 6  Cesta k IBIS  $mNhrada funkc BIS internetovmi aplikacemi (IBIS) a restrukturalizace dat a BL Fakticky nov systm Jde o genera n pYechod, kter mus bt realizovn vrobci BIS Nvaznost na pYedchoz verze Stabiliza n obdob Nov re~im podpory (napY. i outsourcing) U~ivatel (banky) mohou nalhat, ale asi budou muset po kat, a~ budou vrobci pYipraveniPZZ?ZZZYZjm?mZmYmxBanka$m PNB vyvinula vlastn IBIS zamYen na segment zlo~en a malch finan nch instituc Zkladnm obchodnm modelem je outsourcing xBanka m vlastnosti vhodn pro outsourcing Data v databzi jsou aifrovna Kl  k deaifrovn ovld klient Deaifrovn probh a~ pYi sestavovn formulYe Komunikace je zabezpe ena (SSL) Dvouvrstv BL Obecn funkce Customizovan funkce Trval schopnost pYechodu na vlastn provoz B~n dostupn ICT infrastruktura Instala n postupy, skripty, aplikace a zlohy dat jsou trvale k dispoziciPPrPP#P,PmPmmrmm#m, mmm, &Dkuji za pozornostm F   0` 33` Sf3f` 33g` f` www3PP` ZXdbmo` \ғ3y`Ӣ` 3f3ff` 3f3FKf` hk]wwwfܹ` ff>>\`Y{ff` R>&- {p_/̴>?" dd@,|?" dd@   " @ ` n?" dd@   @@``PR    @ ` ` p>> zr (     6$yZ  `} Z XKlepnutm lze upravit styl pYedlohy nadpiso.- -  0(|Z  ` Z Klepnutm lze upravit styly pYedlohy textu. 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