Intelligent Products in Financial Services by Slalom Build

テクノロジー＆開発にフォーカスしたクリエイティブデジタルスタジオ「Slalom Build」による金融領域におけるIntelligent Products紹介資料です。機械学習・AI・自動化に加えて、長期的にスケールするプロダクト開発を提供します。

▼Intelligent Products / Slalom Build
https://www.slalombuild.com/intelligent-products

▼コンテンツ
1. Intelligent Productsとは？
2. 金融領域におけるIntelligent Productsと事例

▼お問合せ（日本語・英語可）
hellobuild@slalom.com

Transcript

1. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. 1 Financial Services Intelligent Products ۚ༥ྖҬʹ͓͚ΔΠϯςϦδΣϯτϓϩμΫτͱ͸ʁ
2. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. Intelligent products offer an ecosystem of integrated capabilities working together to continuously create more powerful, meaningful, and performant products over time and at scale. *OUFMMJHFOU
   1SPEVDUTɿ
   ΑΓڧྗ׌ͭ༗ҙٛʹɺύϑΥʔϚϯεͷߴ͍੡඼Λ
   ௕ظతˍେن໛ʹܧଓతʹੜΈग़ͨ͢Ίʹɺ
   ࿈ܞɾ౷߹͞ΕͨػೳΤίγεςϜ
3. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. Products ≠ Intelligent Products PRODUCTS w ϧʔϧϕʔεͷϩδοΫͱܭࢉ
   w ݶఆతͳύʔιφϥΠζ
   w ϓϩάϥϜ͞Εͨ͜ͱͷΈΛ࣮ߦ͢Δ
   w ಛఆϓϩηεͷϚοϐϯά
   w ݪҼͱ݁Ռͷؔ܎
   
   w ఏڙՁ஋ʢମݧʣ͸ઃܭ͞ΕͨػೳͷΈ w ಠࣗϥʔχϯάϩδοΫͱແݶͷܭࢉ
   w ਂ͍ύʔιφϥΠθʔγϣϯ
   w ؀ڥͱϢʔβʔ͔ΒֶͿ
   w ৽͍͠ϓϩηε΍ޮ཰ੑΛఏڙ͢Δ
   w దԠతͳؔ܎
   w ఏڙՁ஋ʢମݧʣ޲্ͷͨΊͷࣗಈԽ Intelligent Products
4. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. I. Technology III. Experiences II. Intelligence IV. Operations I. II. IV. III. ݱࡏ͓ΑͼকདྷͷχʔζΛαϙʔτ͢ΔͨΊ ʹઃܭ͞ΕͨϨϕϧΞοϓͨ͠γεςϜ͓Α ͼΫϥ΢υωΠςΟϒΠϯϑϥ ࠷΋ద੾ͳମݧΛܾఆɾఏڙ͢ΔͨΊͷɺ ػցֶशϞσϧ΍༧ଌ෼ੳʹΑͬͯॲཧ͞ Εͨσʔλٴͼ࢓૊Έ ϢʔβʔΛت͹ͤΔͨΊʹඞཁͳମݧ͕Կ͔ Λཧղ͠ɺܭը͠ɺఏڙ͢Δ͜ͱΛҙਤͯ͠ ઃܭ͞Εͨ੡඼ σδλϧϓϩμΫτʢαʔϏεʣΛਝ଎ ͔ͭγʔϜϨεʹఏڙ͠ɺͦͷաఔͰܧ ଓతͳΞοϓσʔτΛ࣮ߦͰ͖ΔνʔϜ ମ੍ͱΦϖϨʔγϣϯϞσϧ The Four connected elements of Intelligent Products
5. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. ۚ༥αʔϏεΛେ͖͘มֵ͢Δػցֶशɾ"*ɾࣗಈԽ *OUFMMJHFOU
   QSPEVDUT͸ɺۚ༥اۀͷΠϊϕʔγϣϯΛଅਐ͢ΔͨΊʹɺҎԼͷ՝୊ղܾΛαϙʔτʹ͠·͢ɻ • ࣍ੈ୅αʔϏε։ൃͷΞδϦςΟΛߴΊΔ
   • ෆਖ਼ݕ஌ͷࣗಈԽ
   • ৴༻ϦεΫ؅ཧͷ࣮ݱ
   • ސ٬ମݧͷύʔιφϥΠζ
   • มԽ͢Δن੍ાஔ΁ίϯϓϥΠΞϯεΛҡ࣋
   • ख࡞ۀ͕ଟ͍ϓϩηεΛഉআ
   • σϡʔσϦδΣϯεɺॅ୐ϩʔϯਃ੥৹ࠪͳͲͷͨΊͷυΩϡϝϯτΛਝ଎ʹॲཧɺ෼ੳ͠ɺॏཁͳ৘ใΛಘΔ Intelligent Products
6. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. ۜߦ಺ͷσδλϧֵ৽Λଅਐ͠ɺັྗతͳސ٬ମݧɺۀ຿ͷ߹ཧԽɺ࠷৽੡඼ͷ ߏஙɺσʔλιʔεશମʹΘͨΔ࣮༻తͳΠϯαΠτͷఏڙ·Ͱ໾ཱͪ·͢ɻ w ΞΧ΢ϯτ؅ཧۀ຿
   w ΫϨδοτΧʔυɾϩʔϯ৹ࠪ
   w ੜ֔Ձ஋ʢϥΠϑλΠϜόϦϡʔʣͷ༧ଌ
   w ސ٬ମݧͷύʔιφϥΠζ
   w ۀ຿ޮ཰Խ 34% Ϧʔμʔ͕σʔλυϦϒϯ ܕҙࢥܾఆͷͨΊʹ༧ଌ෼ ੳΛར༻͍ͯ͠Δ 33% .-͸ސ٬ମݧͷ޲্ʹͭͳ ͕Δͱओு 37% ۀ຿ޮ཰ͷ޲্Λ"*׆༻ ͷϝϦοτͱߟ͑Δ 62% ΦϯϥΠϯˍϞόΠϧମݧʹຬ଍Ͱ͖ ͳ͍৔߹ɺۜߦΛมߋ͢Δͱճ౴ $70B "*ʹΑΔΦϑΟεۀ຿ͷࣗಈԽʹΑ Γɺ೥·Ͱʹ๺ถͷۜߦͰԯ υϧͷίετ࡟ݮ͕ظ଴͞ΕΔ Intelligent products in Banking
7. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. ސ٬ࣄྫ
   '&%&3"-
   )0.&
   -0"/
   #"/,
   $)*$"(0 An intelligent upgrade for the bank of banks. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. 5IF
   'FEFSBM
   )PNF
   -PBO
   #BOL
   PG
   $IJDBHP͸೥ʹถࠃٞձʹΑͬͯઃཱ͞Εͨͷ࿈ ๜ॅ୐ି෇ۜߦͷͻͱͭͰɺॅ୐औಘΛଅਐ͢Δ͜ͱΛ໨తͱ͍ͯ͠·͢ɻ4MBMPN͸ɺϩʔϯॲ ཧͷࣗಈԽɺηΩϡϦςΟͷ޲্ɺखؒͷ͔͔Δ಺෦ϓϩηεͷ߹ཧԽΛ࣮ݱ͢Δ৽͍ࠪ͠ఆϓ ϥοτϑΥʔϜΛڞಉͰ։ൃ͠·ͨ͠ɻ
   w "84ͷ8FMM"SDIJUFDUFEϑϨʔϜϫʔΫ
   w ϩʔϯࠪఆϓϥοτϑΥʔϜͷ࠶ߏங
   
   w ձһ޲͚F#BOLJOHϙʔλϧͷ࡮৽
   w ΞϓϦέʔγϣϯ։ൃ
   ϦϦʔεޙͷӦۀॳ೔ʹ͸ɺ೔Ͱ਺ेԯԁͷϩʔϯऔҾΛॲཧ͢ΔೳྗΛඋ͑·ͨ͠ɻ https://www.slalom.com/case-studies/fhlbankchicago • Loan underwriting platform rebuild • Member eBanking portal modernization • Solution architecture design • User research and experience design • Application development • Testing automation • Terraform to provision AWS infrastructure • AWS Well-Architected Framework 4MBMPNʛαϙʔτ಺༰ ৄࡉͳސ٬ετʔϦʔɿ
8. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. Intelligent products in Payments ܾࡁαʔϏεϓϩόΠμʔ͕༏Εͨސ٬ମݧΛఏڙ͠ɺ
   ઓུతΠχγΞςΟϒɺ੡඼։ൃɺόϦϡʔνΣʔϯͷ࠷దԽɺ
   ϓϥοτϑΥʔϜͷϞμφΠζΛ͞Βʹਪਐ͢Δࣄʹ໾ཱͪ·͢ɻ w λʔήοτίϛϡχέʔγϣϯ
   w ෆਖ਼ߦҝͷݕग़
   w ϢʔβʔϓϩμΫτͷΤϯήʔδϝϯτʢ"#ςετʣ
   w γʔϜϨεͳ੡඼౷߹ 59% ύʔιφϥΠθʔγϣϯΛମݧͨ͠ਓͷ͕ɺ
   ߪങͷҙࢥܾఆʹӨڹΛ༩͑ͨͱճ౴ 70% "*ʹΑͬͯෆਖ਼Λࣄલʹ્ࢭ͢Δೳྗ͕޲্ͨ͠ͱճ౴ 80% ܁Γฦ͠ߦΘΕΔ࡞ۀϓϩηεͷ͸ɺ31"ͰࣗಈԽͰ͖Δ
9. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. : BEEM An intelligent in Payments for personal © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. #FFN͸ɺΦʔετϥϦΞͰສਓҎ্ʹར༻͞Ε͍ͯΔσδλϧܾࡁιϦϡʔγϣϯͰ͢ɻ#FFN ͸ɺ4MBMPN
   #VJMEͱఏܞ͠ɺ͋ΒΏΔൢചళͷ104ͱ౷߹Մೳͳߴ଎Ͱ҆શͳܾࡁϓϥοτϑΥʔϜͷ ߏஙΛࢧԉ͠·ͨ͠ɻ͜ͷֵ৽తͳΞϓϦ͸ɺՃໍళͰ23ίʔυΛ࢖༻͠ɺ4,6ϨϕϧͷσʔλΛϩΠ ϠϧςΟϓϩάϥϜɺΪϑτΧʔυɺෳ਺ͷܾࡁΧʔυͱ઀ଓ͠·͢ɻ
   ࢲͨͪ͸ɺߴՄ༻ੑͱ֦ுੑΛඋ͑ͨ؀ڥͰɺՃໍళͱফඅऀͷͨΊͷ҆શͳ1$*
   %44४ڌͷऔҾϝΧ χζϜΛඋ͑ͨ"84αʔόʔϨεελοΫ্ͷΞϓϦέʔγϣϯͰ͋ΔF23ΛҰॹʹߏங͠·ͨ͠ɻ
   w ೥ؒ਺ेԯͷτϥϯβΫγϣϯΛॲཧ
   
   w ඵ͋ͨΓͷτϥϯβΫγϣϯ਺ʢ514ʣΛୡ੒
   
   w -BNCEB
   1Ԡ౴଎౓ɿNT
   w ࢖༻ϕʔεͷ૯ॴ༗ίετʢ5$0ʣ͕૿Ճ͢ΔͷΈ
   ͦͯ͠ɺͦͷ͢΂ͯΛɺγʔϜϨεͰ҆શɺεϚʔτͳ౷߹σδλϧମݧͰ࣮ݱ͠·͢ɻ https://www.slalombuild.com/our-work/beem • Modern Application Development • Cloud Architecture • AWS Serverless Implementation • High-Performing Orchestration Engine • Cloud Development • Solution Ownership • Capability Development • Quality Engineering 4MBMPNʛαϙʔτ಺༰ ৄࡉͳސ٬ετʔϦʔɿ
10. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. "*͸͕ࣗࣾΑΓਖ਼֬ͳϞσ ϧΛੜΈग़͢ͷʹ໾ཱͭͱ ճ౴ ϑΝΠφϯγϟϧΞυόΠβʔͱͦͷސ٬ͷͨΊͷ࣍ੈ୅ϓϥοτ ϑΥʔϜͱମݧΛڧԽ͠ɺ࣍ͷҰखͷͨΊͷ࠷ળͷࢪࡦ΍ސ٬த৺ ͷϓϩηεΛՄೳʹ͠ɺΞυόΠβʔͱͷର࿩Λ޲্ͤ͞·͢ɻ w ϦεΫϚωδϝϯτͷࣗಈԽ
    
    w ݸਓ޲͚ࢿ࢈ӡ༻
    w ΠϯςϦδΣϯτͳμογϡϘʔυͱϓϥοτϑΥʔϜ΁࡮৽
    w ηϧϑαʔϏεܕϙʔτϑΥϦΦ؅ཧ 42% 67% ސ٬͕ηϧϑαʔϏε Λ޷Ήͱճ౴ 2030 ೥·Ͱʹɺۜߦͱࢿ࢈ӡ༻ ձࣾ͸"*ٕज़ΛऔΓೖΕΔ͜ͱͰ ஹυϧΛઅ໿͢Δ͜ͱ͕Ͱ͖Δ
    MIN. ࣗಈԽʹΑΓɺ৴༻ௐࠪΛ਺࣌ ؒ਺೔Ͱ͸ͳ͘ɺ਺෼Ͱߦ͏͜ ͱ͕ՄೳʹͳΔ Intelligent products in Capital Markets
11. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. 8FBMUI
    .BOBHFS΍ػؔ౤ࢿՈ޲͚ͷιϦϡʔγϣϯͰ஌ΒΕΔμΠϨΫτΠϯσοΫεϓϩ όΠμʔͷେखاۀ͸ɺࣗࣾαΠτͷύϑΥʔϚϯε௿Լʹؾ͖ͮɺ࠷৽ͷΫϥ΢υϓϥοτ ϑΥʔϜͰσδλϧମݧΛϦϒϥϯσΟϯά͠ɺύʔιφϥΠζͨ͠Ձ஋ఏڙΛඞཁͱ͍ͯ͠ ·ͨ͠ɻ
    4MBMPN
    #VJME͸ɺ4JUFDPSF
    &YQFSJFODF
    1MBUGPSN
    91
    ͱ&YQFSJFODF
    "DDFMFSBUPS
    49" Λ .JDSPTPGU
    "[VSF্ʹల։͠ɺಉࣾͱڞಉͰσδλϧମݧͷ࠶ઃܭͱύʔιφϥΠζԽΛߦ͍ ·ͨ͠ɻ·ͨɺજࡏతͳސ٬ʹΠϯαΠτͱ෼ੳΛఏڙ͢ΔͨΊʹɺΦϦδφϧͷ౤ࢿπʔϧ Λ։ൃ͠·ͨ͠ɻ͜ͷมֵʹΑΓɺಉࣾ͸ސ٬ʹؔ࿈͢Δπʔϧ΍ίϯςϯπΛఏڙ͠ɺαΠ τͷӡ༻Λޮ཰Խ͢Δ͜ͱͰɺશମͷΤϯήʔδϝϯτͱηʔϧεϦʔυΛେ෯ʹ޲্ͤ͞Δ ͜ͱ͕Ͱ͖·ͨ͠ɻ Personalizing the investment experience. : LEADING DIRECT INDEXING PROVIDER
12. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. Intelligent products in Insurance ۀք͸ʮݕ஌ɾमཧʯ͔Βʮ༧ଌɾ༧๷ʯ΁ͱҠߦ͍ͯ͠·͢ɻ
    ੜ࢈ੑͷ޲্ɺҙࢥܾఆͷਝ଎ԽɺίϯϓϥΠΞϯεͷࣗಈԽɺ
    ίετ࡟ݮɺΧελϚʔΤΫεϖϦΤϯεͷ޲্͸ϚετͰ͢ɻ w ίϯϓϥΠΞϯεͷࣗಈԽ
    
    w ෆਖ਼ݕ஌ͷࣗಈԽ
    w ղ໿ϦεΫ༧ଌɺอݥۚࢧ෷͍༧ଌ
    w ύʔιφϥΠζυɾϦεΫɾϓϥΠγϯάʗอݥ਺ཧ
    w γʔϜϨεͳ੡඼౷߹ 40% 75% 79% "*ͷಋೖʹΑΓɺ೥·Ͱʹอݥϓϩηεͷੜ࢈ੑΛߴΊɺ
    ӡ༻ίετΛ࠷େˋ࡟ݮ͕ظ଴͞ΕΔ ػցֶशʢ.-ʣʹΑΔอݥۚෆਖ਼੥ٻͷݕग़ਫ਼౓͕ʹ౸ୡ ͷফඅऀ͕ɺอݥͱͷ΍ΓͱΓʹσδλϧνϟωϧΛར༻͢Δͱճ౴
13. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. : NEXSYS TECHNOLOGIES Unlocking speed in the mortgage industry. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. 2VJDLFO
    -PBOTͷ࢞ຓձࣾͰ͋Δ/FYTZT
    5FDIOPMPHJFT͸ɺॅ୐ϩʔϯͷక݁ʹ͔͔Δ࣌ؒΛ୹ॖ͢Δ ͨΊɺϓϩηεͷ͋Δཁૉɺͭ·Γॅ୐ॴ༗ऀอݥͷ֬ೝʹண໨͠·ͨ͠ɻ
    4MBMPN
    #VJMEͱఏܞ͠ɺ/FYTZT
    $MFBS
    )0*Λ։ൃ͠·ͨ͠ɻϋΠϦεΫͰखؒͷ͔͔ΔखಈϓϩηεΛ ഉআ͠ɺ߹ཧԽ͞ΕͨࣗಈԽ͞Εͨ)0*ݕূΛ௨ͯ͡ॅ୐ϩʔϯି͠खͱอݥձࣾΛ݁ͼɺ೔͔͔ؒΔ ͜ͱ͕ଟ͔ͬͨϓϩηεΛΘ͔ͣ෼ʹ୹ॖ͠·ͨ͠ɻ
    อݥ୅ཧళɿ
    ϦΫΤετΛࣗಈԽ͢Δ͜ͱͰɺ୅ཧళ͸ຊདྷͷൢചۀ຿ʹूத͢Δ͜ͱ͕Ͱ͖·͢ɻ
    ۚ༥ػؔɿखಈσʔλೖྗʹΑΔΤϥʔΛഉআ͠·͢ɻ
    ॅ୐ͷങ͍खͱചΓख޲͚ɻॠ࣌ͷ֬ೝͰɺΫϩʔδϯάΛεϐʔυΞοϓɻ
14. © SLALOM. ALL RIGHTS RESERVED. PROPRIETARY AND CONFIDENTIAL. Let’s _build better future, together ;D