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Subject: [wsia] [wsia-req] Universal Bank
All, Scenario involving mergers and acquisitions for discussion tomorrow. (See attached file: WSIA Business Scenario - Universal Bank.DOC)(See attached file: WSIA Business Scenario - Universal Bank.htm) Regards, shankar ____________________________________________________ Shankar Ramaswamy, PhD shankar4@us.ibm.com Senior Software Engineer (412) 667-3229/TL 989 IBM Pittsburgh Labs fax: (412) 667-6974
WSIA Business Scenario - Universal Bank.DOC
Title: Business Scenario Report: Universal Bank
Requirements Document Business Scenario Report: Universal Bank Version 1.0 Revision History
Table of Contents 1. Scenario Name 1 1.1 Description 1 2. Participants 1 2.1 Universal Bank 1 2.1.1 Role 1 2.1.2 Relationships 1 2.1.3 Business Objectives 1 2.1.4 Solution Requirements 2 2.2 Mountain Bank 2 2.2.1 Role 2 2.2.2 Relationships 2 2.2.3 Business Objectives 2 2.2.4 Solution Requirements 2 Business Scenario Report: Universal Bank 1. Scenario Name1.1 DescriptionUniversal Bank is
an international banking conglomerate, consisting of many subsidiaries. It offers its end users (loan officers and
customers) access to a variety of applications that are operated and maintained
autonomously by individual subsidiaries.
This scenario focuses on the relationship between Universal Bank as a
Consumer, and Mountain Bank, one of its subsidiaries, as a Producer. 2. Participants2.1 Universal Bank2.1.1 RoleUniversal Bank is
an international banking conglomerate, headquartered in Europe, providing
banking service to individuals, through consultants working in its many branch
offices. It offers banking services in
many countries, usually through a totally owned subsidiary. In common with other large international
banking houses, it grows through acquisition of smaller independent banks, and
through widening the services it offers. Upon acquiring a
new bank, Universal Bank wants to ·
enhance its
existing financial services to include the new bank ·
offer new
financial services from the new bank through all its subsidiary banks ·
maintain
the local identity of the new bank, to prevent disruption of the local
marketing presence and alienation of the local clientele ·
incorporate
the new bank into its central banking procedures. Universal Bank
has recently acquired a new subsidiary bank - Mountain Bank based in
Switzerland - and wishes to incorporate some of the financial services it
offers into Universal Bank’s application portfolio, specifically, the Loan Risk
Assessment Service. 2.1.2 RelationshipsUniversal Bank
has recently acquired Mountain Bank. 2.1.3 Business ObjectivesAssessing the risks associated with loans to small and medium sized businesses requires a significant understanding of the marketplaces for the businesses. Universal Bank has a portfolio of marketplace-specific analysis programs, which it enhances with any new programs, which become available to it through acquisitions of new banks. Universal Bank
would like to make Mountain Bank’s loan risk assessment application for tourist
hotels available to other subsidiary banks in the Universal Bank family, since
tourist hotels are a growth market, but require careful risk analysis. The location of the application would be
transparent to the loan officer and to the customer. Complications: ·
Risk
assessment applications for specific business types each have a different flow
and user interface. ·
Each risk
assessment application is updated frequently, which may include changes to its
user interface · From time to time, Universal Bank may change the look and feel of its corporate Web site. 2.1.4 Solution Requirements·
Incorporate
any subsidiary’s loan risk assessment application in Universal Bank’s Loan Risk
Assessment Service. ·
Consistent
look and feel ·
Seamless
user experience ·
Avoid
duplicate data entry by the end user: ·
each Producer
service must be invoked with the relevant information that the
loan officer has already entered ·
Avoid
manual data transfer by the end user: ·
Each
Producer service invocation finishes by producing a risk assessment rating and
an audit record, and this information must be automatically transferred to the
global application. 2.2 Mountain Bank2.2.1 RoleMountain Bank is a regional bank that specializes in loans for tourist hotels. Its loan risk assessment software assesses the likelihood of tourism continuing to grow over the next 2 - 5 years, dependent on retail spending predictions and cost of travel. Mountain Bank’s loan risk assessment software needs to be integrated into the Universal Bank loan review application. 2.2.2 RelationshipsMountain Bank has recently been acquired by Universal Bank. 2.2.3 Business ObjectivesThe Business
Objectives are defined by the parent company, Universal Bank (see above). 2.2.4 Solution RequirementsPackage Mountain
Bank’s loan risk assessment application for inclusion in Universal Bank’s loan
review application ·
Ease of
development ·
Ability to
make new function available to end users without having to coordinate with
Universal Bank · Standards-based interface |
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