BANKING SOLUTIONS

Transcription

BANKING SOLUTIONS

2009
Le guide
banking
solutions
au Luxembourg
• Les workshops ITbanker
• Les entreprises spécialisées
• L'annuaire des prestataires
Guide réalisé par le service commercial d’
-
Juillet 2008
Septembre 2008
Octobre 2008
Décembre 2008
Télécom
Fund Industry
Business Intelligence
ECM & Storage
Janvier 2009
Mars-avril 2009
Mai-juin 2009
Banking Solutions
Consultance et
Développement
Infrastructure :
sécurité, télécom
et stockage
Juillet-août 2009
Outsourcing
et Resourcing
GUIDE
ANNUEL
Septembre-octobre 2009
Novembre-décembre 2009
Applications d'entreprise :
CRM, ERP et ECM
Finance : banque et
fonds d'investissement
Janvier-février 2010
Stratégie :
BI et BPM
Retrouvez les Guides ITnews
en supplément de chaque magazine
CONTACT: Géraldine BARBAUT
[email protected]
Tél. : +352 26 10 86 26
Workshops ITbanker
Agility
Orbium
Callataÿ&Wouters and SAP
Security
IBM & Skillteam
SEPA : PSD and Exceptions & Investigations
Ineum Consulting
Skillteam
Business Process Outsourcing - B-Source
Saas - Clearstream Services
Customer Centricity
Avaloq
New Access
Regulation & Risk
FRSGlobal
Fiches entreprise
Photography Raoul Somers - www.raoulsomers.lu / Layout - Piranha et Petits Poissons Rouges - [email protected]
Contact : Géraldine Barbaut - Chef de projet : E-mail : [email protected] - Tél. : +352 26 10 86 26
est un service
MAKANA S.A. 83 rue de Hollerich • L-1741 Luxembourg • Grand-Duché de Luxembourg
Tél. : +352 26 10 86 26 • Fax : +352 26 10 86 27 • E-mail : [email protected] • Internet : www.itnews.lu
sommaire
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Avaloq
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Business Software Consulting
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Callataÿ&Wouters
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Clearstream Services
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Deloitte
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ERI Bancaire
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FRS Global
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IBM
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Ineum Consulting
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KPMG
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New Access
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Orbium
40
PricewaterhouseCoopers
42
Siemens IT Solutions and Services
44
Temenos
46
Annuaire des entreprises
48
Time-to-market and Agility
What is thinkable is also possible
Agility is “the ability to move quickly and easily” and flexibility is “the ability to change / adapt
to suit new conditions, situations or circumstances”. Applied to the financial sector, these
two concepts imply that “change” and the “way to handle it” are at the heart of the concerns
of today’s companies and most particularly of banks.
In that respect, two different
approaches can be taken
towards change :
• reactive,
trying to adapt as best
one can to the external changes
forced upon the financial institution
by the surrounding environment. IT
is frequently seen as a necessary
evil and the bank’s strategy will
often be to adopt a purely costcentric behaviour.
• proactive,
meaning that financial
institutions take a voluntary approach
towards change, enabling them to
adapt swiftly to external constraints
and also to be capable of deciding
on new strategic action, vis-à-vis
the market, to be one step ahead
of competitors.
How executives of financial institutions perceive IT depends on the
approach adopted. “Necessary evil,
i.e. pure cost centre, or business
strategy enabler ?”
Since the arrival of the PC in the early
eighties, the way we handle processes and transfer data has been
completely revolutionized : e-banking applications, straight-through
processing, electronic connections
to stock exchanges or brokers, online data-feeds are all (r)evolutions,
more and more complex financial
instruments that need to be handled
properly and in a secure way, etc. All
of these are examples of the changes
that have occurred in the financial
industry and which banks have to
adapt to or take advantage of if they
wish to remain competitive.
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2009
On top of that, the regulatory environment has also been enforced in
recent years with regulations like
Basel II, IFRS and MiFID. Given what
has happened to the financial markets at the end of 2008, it is very likely
that this trend is going to continue.
All these often mandatory changes
generate extra burden for a bank’s
IT department, especially those with
in-house developments or older
applications that are not evolving fast
enough and which are in the Decline
phase of their lifecycle.
Finally, the major trend of mergers
& acquisitions in an ever more globalised market requires agility from
IT departments to adapt and consolidate their different systems.
This trend has accelerated during
these past months of financial crisis.
All banks, whatever their size, have
to adapt to these changes, whether
they like it or not! It is simply a matter of survival and nothing else but a
Darwinian process.
Therefore, to remain on the competitive edge of the market, financial
institutions have to integrate these
external evolutions into their own
strategy. That implies quickly creating and providing new products or
services to the market, rapidly opening branches to address new clients,
setting up IT or operational hubs
(back-office centralisation, payment
hubs), etc.
Avaloq, as a software provider, puts
every effort into supporting this “proactive” attitude towards change so
as to enable financial institutions
to take advantage of those market
opportunities. Everything in Avaloq’s
strategy, from its release cycle to its
software architecture, focuses on
innovation and the ability to be flexible and execute fast. Some concrete
examples are : (a) the fully integrated
software architecture avoiding data
redundancy, replication or interface
maintenance ; (b) the open interface concept providing an easy and
standardised way of connecting thirdparty systems to the Avaloq Banking
System (e.g. headquarter tools or
specific reporting engines) ; (c) fully
parameterisable workflows (from front
to back office including accounting) ;
(d) decision rules (for workflows, cost
& fees, etc.) ; (e) the open object modelling engine that allows the creation
of new and complex financial instruments ; and much more.
Furthermore, in order for banks
to rapidly take advantage of this
flexibility, Avaloq provides a preparameterised version of its software
(the Model Bank) enabling a fast
implementation project. Changes,
adaptations and improvements are
possible afterwards and can be made
by the bank itself according to specific needs. Thereby, the banks can
quickly decide on and implement new
strategies without being dependent
on the software provider. The result
is a shorter time to market.
Time-to-market and Agility
Leveraging existing
strengths
In an ever-changing economic environment companies need
to be endowed with the best tools and methodologies to allow
the fastest time-to-market and software flexibility.
The wealth management process is moving at a rapid pace to
incorporate new products, processes, regulatory requirements and
to address ever-changing customer demands. Service providers need
to be able to respond quickly to business changes whilst leveraging
application infrastructure to address new business requirements.
While infrastructure is seen as a commodity and therefore not the core
business of a wealth management
firm, it is vital for banks to adapt their
service delivery and technology to
cater effectively to client needs in their
target growth markets. This includes
achieving error-free transaction
processing via an agile wealth management platform to ensure a shorter
time to market. However, outdated or
fragmented core systems often create obstacles for the front-office to
manage customers effectively and
maximize revenues.
To meet the challenges of a more
demanding customer, stricter regulations, increased globalization,
and stronger cost pressures, banks
need sound, future-proof information technology that gives the agility
to address arising market conditions
and business requirements. For institutions of all sizes, this technology
is the strategic weapon for surviving
and growing in a fast-paced industry. For leading banks, the answer
lies in standard, scalable solutions
built on the principles of service-oriented architecture (SOA).This use of
cutting-edge technology can assist
banks in maximize their competitive
advantage, comply with the latest
regulations, minimize costs, and
increase customer satisfaction.
Deployed on the SAP NetWeaver
technology platform, Thaler Wealth
Management adopts an enterprise
service-oriented architecture (enterprise SOA). Integrated with the Thaler
Core Banking solution, Thaler Wealth
Management is a front-to-back office
core banking solution from Callataÿ
& Wouters which includes pre-configured modules to enable a fast,
low-risk implementation. Designed
with open architecture, the platform
offers the ability to integrate with
third party solutions, adding a broad
range of features and functionalities.
Completely pre-configured and easy
to implement, this powerful solution
can support a wide range of client
preferences and investment choices.
Due to the embedded SAP analytical capabilities in Thaler, banks and
wealth managers benefit from the
advantages of a robust and agile
solution, backed up by the lean
analytical backbone of SAP. Sophisticated analytics can be deployed, to
leverage the opportunities presented
by targeted clients to explore prospects for cross-selling and fee-based
personalized advice.
Banks who comprehensively under
stand their clients will be able to
leverage existing strengths to transform and adapt their service delivery
and technology to cater effectively
to client needs in their target growth
markets. Technology is, without
doubt, an important enabler in delivering efficient actionable advice for
Wealth Managers, but it is only a supporting tool in the client-to-advisor
relationship, which plays a key role in
managing the bank’s customers.
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security
Managing threats,
reducing fraud and
maintaining client trust
Complex industry regulations and threats to revenue, repu
tation and operations have converged to make security and
fraud chief concerns for financial companies. At the same
time, many financial institutions are integrating with part
ners and enabling interactive customer services to support
aggressive growth in today’s competitive business climate.
New business and technology initiatives carry inherent IT risk and
must be balanced with the ongoing need to preserve trust and protect
reputation. Only a robust IT security program enables banks and
financial markets organizations to extend services securely. To be
successful, security management should be part of a broader model
of managing operational risk and fraud without adversely impacting
business processes or customer services.
ent significant risk in terms of liability,
cost and impact on reputation.
Laurent Busser, Head of e-Business
and Swift developments, SkillTeam
Luxembourg
You may already be replacing obsolete
security solutions and / or layering on
additional security in what seems like
a never-ending cycle. But even when
you operate with well-defined business
strategies, your security may consist
primarily of endpoint solutions that lack
integration. With finite security dollars,
you may wonder where to invest next,
how to prioritize security requirements
according to best practices and how
to leverage past security investments.
As one of the earliest adopters of
IT security technology, the financial sector far outpaces many other
industries in network and information protection. Even so, the growing
complexity of the IT environment and
the subsequent increase in security
point products have made it difficult
to integrate a holistic security strategy
with overall business planning. All the
while, security threats are evolving,
vulnerabilities are increasing rapidly,
and data leakage continues to pres-
More than ever, you may recognize
the need to optimize security investments by taking a more holistic view
of threat mitigation and developing
effective policies using commonly
available tool sets. Financial executives, chief information security
officers and IT staff understand the
high stakes of security, but they often
lack the real-time metrics and operational reporting to support security at
the same level as other IT initiatives.
Despite such challenges, successful
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2009
and protected financial institutions
continue to focus on secure IT efforts
that help differentiate the business,
accelerate threat management, and
meet government, industry and
business partner compliance requirements.
TRUSTED SECURITY
ADVISER
As an industry-leading IT integrator
and partner to global organizations,
IBM is an established technology
adviser to banks and financial institutions and is able to bring superior
security tools to the financial industry.
IBM takes threats seriously - and it
has the research to prove it.
Pierre Noël, WW Security & Risk
Management chez IBM Corp.
2009
7
Driving benefits
from PSD and SEPA
PSD (Payment Services Directive) or the European directive on
Payment services from November 13, 2007, (2007 / 64 / CE)
lays the necessary legal foundations to create a truly unique
payments-market in Europe. The directive is a decisive step
in the implementation of SEPA (Single Euro Payments Area).
The European Member States and the European Economic Area
(Liechtenstein, Norway and Iceland) will have to transpose the
directive in their national legal framework before November 1, 2009.
In Luxembourg, the Minister of Finance supervises the transposition
of PSD into national law, under the eye of the European Commission,
and brings together the actors that are concerned by the law.
The directive is a legal support for SEPA
and includes a regulatory objective
with an incentive to improve transparency and increase the competition
Jean Diederich, Senior Manager
chez INEUM Consulting
between actors, while also enhancing
the protection of consumers. From a
practical point of view, PSD reaches
all the transactions between the bank
and the client : the basic terms and
conditions, the cycle of execution,
the obligation to transmit some information, the compensations and the
unauthorized payments. Also, the
directive defines strict rules, such as
the list of information that should be
sent to the clients when a new contract of payments comes into play
and the information that must be sent
before, during and after the payment
process.
The objective of PSD is to protect
the consumer through the release
of information and conditions on
the payment services provider (Title
III) and through defining rights and
duties between the client and the
services provider (Title IV), which
are also partly applicable to professionals. Contrary to numerous other
directives that are limited to great
principles, PSD provides technical
and operational payment service
details. The directive also prescribes
the necessary service levels upon
payment and the allowed time for
service execution and declares who
is responsible for faults.
SEPA :
PSD and Exceptions
& Investigations
Industry figures indicate that 2-5% of all payments give rise
to an exception. While this might be seen like a very low
proportion of the overall payments processed, it is in fact a
growing cost and a point of pain for all the industry players
– the banks, the financial institutions and their private or
institutional customers, It is therefore crucial for the industry
as a whole to address this issue by applying technology
to common exception types in order to resolve payments
investigations in a fully standardised and automated way.
Today, the pressure to automate the
process of Payments Exceptions and
Payments Investigation is higher than
ever. Industry regulations such as
SEPA and FATF7 are forcing banks to
become more efficient and find new
ways to mitigate revenue-attrition.
At the same time, improving customer service levels has become a
critical differentiator between cash
management offerings. Quick and
efficient resolution of problems is
a key influencing factor in banks’
customer retention rates. Financial
Institutions are therefore also looking
at implementing new online services
at a lower unit cost. This will lead to
higher profitability.
Yves Quaedpeerds,
Senior Business Analyst and Consultant
in Finance, IBM / Skillteam Luxembourg
Their customers are also eager to
reduce the turnaround time of their
payment enquiries. It will speed up
payments reconciliation and allow
for better control of payables and
receivables.
Implementing Exceptions and Investigations standards and process will
allow you to perfectly automate your
payments enquiries as it provides
you with a very strict business and
communication protocol. A clear
definition of the actors, their roles, the
communication flows and exchanged
messages guarantee higher STPrates while a clear rulebook endorses
industry practice and best usage.
Benefits of implementing
E&I for banks :
• Reduce the enquiry costs
• Become AML-compliant in
a smooth way
• Improve your customer service
• Grow your business while maintaining your customer service level
• Generate additional revenue
Benefits of implementing
E&I for Clients :
• Get transparency on payments
enquiries
• Support central accounting / treasury management
• Reduce the enquiry costs
2009
9
Business Process Outsourcing
Outsourcing as Part
of the Bank’s
Corporate Strategy
Meet Dr Hendrik Van Gammeren, BPO expert at Swiss company
B-Source
Outsourcing is very fashionable
among banks at present. Why is
the process slower when it comes
to outsourcing their entire business processes ?
Checklist for
a successful BPO :
• The
bank must have
a sourcing strategy.
• The
BPO provider must
demonstrate knowledge
of the banking industry and
expertise and experience in
outsourcing.
• There
must be an established
community within the BPO
provider.
• Canvas
a number of
providers and have these
offers evaluated by an
independent external
consultant specializing
in outsourcing.
• The
provider should have
a proven track record.
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2009
Outsourcing of payment transactions
and securities administration is clearly
very well established, but this is much
less true of other processes such as client master data administration and the
lending business. That could be a sign
of the immaturity of sourcing in bank
processes. Compared with the situation in manufacturing industry, vertical
integration has traditionally been very
high at banks, with excessive numbers
of highly individual in-house solutions
hindering benefits of scale from being
exploited and costs from being cut. It
is therefore no wonder that Business
Process Outsourcing (BPO) is progressing slowly. Many banks are redefining
their operational business models to
fit their growth strategies. Outsourcing
decisions will only be taken once the necessary operational models are in place.
What are the essential requirements
for banks with regards to BPO ?
The bank must define its own business model before any outsourcing of
business processes can take place. It
must then define its sourcing strategy,
or it will not be able to invite comparable bids from rival outsourcing
providers. It is also important for the
bank to engage an external consultant who can provide expert support
and above all who knows the ‘rules
of the sourcing game’.
What mistakes can banks make
when opting for BPO ?
It is naïve to believe that the outsourcing provider will solve all IT problems.
A bank that does not have its own IT
and back-office under control cannot
expect that the provider can accomplish miracles.
What processes can banks definitely not outsource ?
Management, sales and client-facing
processes cannot be outsourced. In
short : everything that sets a bank
apart from its competitors. There are
also legal requirements such as banking acts and regulatory provisions in
each country that can prevent or
affect outsourcing.
Is BPO an automatic cost cutter ?
No, not automatically and certainly
not in every case! Even where cost
reduction is possible through benefits of scale and standardization,
cost reduction is not a given. For
example, there are banks that opt for
outsourcing even though their costs
are already low because their IT infra
structure and applications are nearing
the end of their lifecycle.
Dr Hendrik Van Gammeren,
BPO expert at Swiss company
B-Source
When considering outsourcing is
the size of the bank important ?
No, size as such is not important.
The critical factor is the number
of members in the community of
the ‘outsourcer’. This will provide economies of scale and skill
sets. BPO providers need a certain number of sophisticated and
mature banks as clients. This will
determine whether the community
is strong enough to develop the
community’s platform.
Does the bank have to be in a
community in order to reap cost
benefits ?
There are only a handful of BPO
providers in Switzerland. Where is
the banking market going ?
Not necessarily, but by nature many
communities are created around a
banking software. B-Source’s BPO
offering is powered by Avaloq. As such,
we have created a community of BPO
clients that use the Avaloq banking
platform. B-Source is an Avaloq BPO
partner and also has a partnership with
the Competence Center Sourcing of
the University of St. Gallen.
We see the market trending toward
a small number of standard packages tailored to particular segments
in the banking industry. It is crucial
to develop diverse communities to
take advantage of these packages.
As standardization and transparency
improve, the market grows more
mature, prices fall allowing more
competition in the industry.
2009
11
Saas
Clearstream Services,
une plate-forme
bancaire complète
à votre service
Il y a plus d’un an, en annonçant la création d’une plateforme
bancaire intégrée, Clearstream Services a été la première
société de la place de Luxembourg à proposer une solution
fonctionnelle globale sous forme d’un service.
Dès son avènement, cette solution visait à offrir un service avec
une couverture fonctionnelle aussi large et flexible que possible et
reposant sur les ressources, les compétences IT et l’expérience d’un
acteur majeur de la place bancaire Luxembourgeoise. Cette approche
permettait au banquier de se concentrer sur son core business sans
devoir s’inquiéter des aspects IT intégralement pris en charge par des
partenaires leaders dans leurs domaines et disposant du statut de PSF
requis par la CSSF.
Depuis lors, au contact de différents
prospects et clients, cette solution
a considérablement évolué. Elle
se compose de tous les éléments
nécessaires aux activités d’une banque avec pour la partie back-office le
progiciel Thaler Wealth Management
de Callataÿ & Wouters, la solution
Triple A de Odyssey pour les aspects
front-office de même que Financial
Analytics de FRS pour la génération
du reporting légal. A ceci s’ajoutent
la suite K+ de Thomson Reuters pour
la gestion de transactions et de risques, de même que la suite camaTM
d’Information Mosaic pour la gestion
des « corporate actions ».
Opérationnellement, les partenaires
assurent ensemble la gestion, la
maintenance et le support de tous
les modules fonctionnels disponibles,
la mise à disposition et la gestion
de l’infrastructure technique IT, les
back-ups de même que le DRP.
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2009
En plus de sa flexibilité, un avantage
important du service offert réside
dans le fait que son coût d’utilisation est lié au volume d’activité de
la banque. Le management peut
donc à l’avance connaître les frais
de fonctionnement de son informatique en fonction de ses prévisions
business.
En matière de technologie, le service est transparent pour l’utilisateur.
Ce qui importe c’est que la solution
soit disponible aux heures et suivant
les paramètres définis dans le SLA.
La technologie sous-jacente doit
permettre à la banque d’évoluer sans
contrainte. Les systèmes mis à disposition utilisent les technologies les
plus modernes et sont opérés 24h
sur 24. L’ensemble des composants
systèmes et de télécommunication est redondant et distribué sur
des centres de calculs distants et
entièrement sécurisés.
D’un point de vue organisationnel,
l’utilisateur reste maître de ses choix.
C’est pourquoi il est nécessaire qu’il
dispose d’une ou plusieurs personnes
ayant aussi bien des compétences
bancaires qu’IT. Ce sont ces personnes qui font le lien entre la banque
et ses besoins et les partenaires
regroupés autour de Clearstream
Services, assurant la fourniture d’un
service de qualité pouvant évoluer
en fonction des exigences du client.
Nos clients actuels partagent également leurs expériences et proposent
et discutent des améliorations ou des
adaptations relatives au service ou à
la couverture fonctionnelle. Un Users
Group devrait d’ailleurs bientôt voir le
jour afin de mutualiser leurs idées et
les évolutions proposées. C’est ainsi
que l’archivage électronique ou l’AML
sont venus ou viendront compléter
l’offre initiale.
© Photography Raoul Somers
SaaS
Michel Rodriguez, Head of IT External Business
of Clearstream Services
LA PERFORMANCE
AU SERVICE DU CLIENT
La première version de l’offre d’une
plate-forme bancaire en mode SaaS,
incluant Thaler Wealth Management
et FRS a été faite en mai 2007. Cinq
mois plus tard, NEPB, filiale du Crédit
Mutuel Nord Europe était en production. Ce premier client a été suivi par
Dresdner Bank Luxembourg qui a
choisi cette même plate-forme pour
sa filiale située en Belgique. Elle est
en production depuis fin 2007. Petercam Luxembourg sera opérationnel
dans le courant du premier trimestre
2009, et un grand acteur de la place
de Luxembourg sera opérationnel en
mai 2009 avec Triple A. Le groupe
ING procède actuellement à la mise
en place de l’offre camaTM dans le
cadre de l’introduction d’une solution unique à destination de 8 de ses
filiales situées dans des pays de l’est
de l’Europe, de même que pour la
Belgique et les Pays-Bas. Cinq des
filiales sont déjà opérationnelles. L’entité de gestion de fonds alternatifs de
Credit Europe Bank (Suisse) a été la
première à utiliser le module K+. Elle
a été suivie par Société Générale
Securities Services à Paris.
Clearstream est l’un des 10 plus
grands utilisateurs mondiaux du
réseau SWIFT. Il est apparu très rapidement que l’offre SaaS devait se
doter d’une interface vers le monde
SWIFT. C’est devenu réalité en 2007
et depuis lors plusieurs institutions
financières profitent de l’infrastructure
SWIFT de Clearstream au travers de
son offre Swift Service Bureau. Parmi
celles-ci on compte Natixis, NEPB,
Compagnie de Banque Privée et
Petercam à Luxembourg, de même
que des utilisateurs internationaux
tels que Petercam à Bruxelles, la
Banca Regionale Europea S.P.A. à
Nice, ou la Banque de Dépôt et de
Crédit de Djibouti. Cette solution intéresse également les assurances qui
bientôt viendront s’ajouter aux clients
existants.
En créant cette offre Saas et en la faisant évoluer en fonction des besoins
de ses clients, Clearstream Services
et ses partenaires ont prouvé qu’il
est possible de capitaliser sur des
ressources locales pour créer un hub
bancaire disponible pour les banques
situées au Luxembourg comme à l’extérieur de nos frontières, en parfaite
harmonie avec le souhait du gouvernement luxembourgeois lorsqu'il avait
créé la loi relative aux PSF.
2009
13
customer centricity
Have a holistic view
of your clients…
to support your strategy
Three aspects about «customer
centricity» must first be high
lighted :
1- All think it is a good idea! It is considered to be an elementary part
of doing business well, one of the
major factors for success.
2- Everybody claims they are! Has
anyone ever heard a company
say “we ignore the wishes of our
customers” or “customers come
second” ?
3- Nobody really is sure what it is!
Although all claim to agree and
perform accordingly, there is no
common and clear definition of
what it actually means.
Googling the term “Customer
Centricity” results in 145’000 hits.
Obviously, the topic is widely discussed and opinions are many.
Wikipedia defines it as follows :
“Customer centricity refers to the orientation of a company to the needs
and behaviours of its customers,
rather than internal drivers (such as
the quest for short-term profit)”. So
far so good, but what does it actually mean ? Very often the hits lead
directly to CRM sites – the term is
used to suggest that a CRM system
is the easy (or only ?) way to make
processes customer centric. And
(almost) all lead to the same conclusion : Customer centricity achieves
higher customer satisfaction and
therefore leads to higher customer
retention and acquisition rates, and
thus to better profitability. Thus the
14
2009
(obvious) conclusion seems to be :
the aim of customer centricity is to
move the focus from short to longterm profitability.
However, the problem seems to lie
not in the objective (who would mind
enhanced profitability), but in the
identification of the “needs and behaviours” of customers. This requires a
holistic view of the customer, and no
system will ever be able to provide this
view without a customer’s willingness
for in-depth participation.
•Customers’ needs depend on their
status, life cycle, mobility requirements, diversity and lifestyle.
•Customers’ behaviour depends on
knowledge, risk willingness, personality and relationship type.
And they influence each other :
it has been known that marriage
(and especially the birth of a child)
has an impact on needs as well as
on behaviour. Similarly, personality
certainly impacts behaviour as well
as needs (an independent person
acts and expresses his / her will
differently, compared to a trustful,
passive person).
One more important question must
be asked : are the client’s needs and
behaviours always right, and represent the benchmark of what a bank
must offer ? Certainly not! The bank
must decide which needs and behaviours it is willing to satisfy. Saying “no”
to customers outside the defined
scope is a must.
In conclusion, customer centricity means :
•Defining what you can / are willing
to do (the bank’s business strategy)
•Knowing your customer and ensuring the customer’s willingness to
offer you a holistic view
•Matching the offerings with the
needs. Else, downgrading to a pure
product customer (“take what you
want without active advisory”)
•Offering the right products and
services at the right time over the
right channels to the right customer (execute the right advisory
process)
Thus, it all starts with knowing one’s
own strengths and weaknesses and
being able to say “no” where there is
a mismatch.
Avaloq supports a holistic customer
view by providing a CRM system
integrated into the transaction booking engine and the position keeping
system. Further, positional data held
at other banks may also be maintained, as well as freely definable
relationships between customers
(keyword “family office”). This way,
access is simultaneously available to
static customer data, evaluation and
performance of the valuables of a
customer or customer group, as well
as to (banking) behaviour changes.
customer centricity
Are you ready to capture
and retain the HNWI’s of
this world ?
Private banks in Switzerland and Singapore are keeping the
momentum by currently massively investing in client centric
applications with the unique aim of capturing a larger share
of the private banking growth. New Access proposes a 360°
view of these latest investment trends. Jean-François Bequevort, Directeur
de New Access Luxembourg
Many local financial institutions massively invested in the so-called “back
office” in the last four years. These
investments where driven by some
rationalization at group level, major
regulatory reforms such as CoREP,
FiNREP and MiFID or by a strategy
designed to enhance some processes running behind the scene. The unfortunate consequence is the
lack of focus that was often given on
the business side of the infrastructure, namely the front office and the
relationship management at large.
Many banks in Switzerland and Asia
already understood the fundamental
need to re-invest in customer centric
solutions and applications. In doing
so, even in difficult times, they prepare themselves to get the most out
of the HNWI and UHNWI new waves
popping up in offshore countries. Private Banking has always been a traditional key activity in Luxembourg.
Even if the local private banking sector has experienced a substantial
growth in recent years, market conditions are moving and impose some
drastic changes in the way business is done. A failure to adapt might
cause serious issues when facing a stronger and growing competition
originating from multiple Private Banking Centers. Private banking
customer population is shifting from old traditional regional clientele
and family wealth to new entrepreneurs, executives and offshore HNWI.
cycle within the bank, by accelerating the account opening procedure,
by managing segmented customized
campaign, by using referrals,…
Retain and serve existing client base
by providing customer relationship
managers with superior tools and
workbenches, by managing customer data (including central file) in a
business proactive way, by creating
relevant profiling and segmentation
(risk aversion, portfolio strategy,…),
by generating individual high quality
dynamic statements, by personalizing
each key relation, …
Investments are targeting three main
business objectives :
Increase operational efficiency in
the front office. In highly competitive
situations, there is a strong need to
do more with less. Banks are today
investing to get the most from hard
to recruit CRM, facilitating their daily
job and their relationships with other
departments such as compliance,
customer services, IT.
Target and attract new customers by
facilitating the prospect management
New Access is a Swiss headquartered
private banking software company
serving financial institutions in more
than 19 countries. The New Access
approach is based on the philosophy
that it is essential to understand, and
to be able to satisfy, clients’ needs.
That’s why a great deal of effort is
put into working within clients’ own
frameworks and business models in
order to provide them with the best
customer centric products and solutions. Not only does the company
constantly strive to be at the cutting
edge of technology, it also remains
flexible and thinks outside the box.
In today’s complex banking industry,
New Access SA will always be one
step ahead, providing adaptable
solutions so that square pegs actually fit into round holes! 2009
15
regulation & risk
A paradigm shift
to spark progress
One consequence of the recent upheavals in the financial
industry will certainly be an increase in regulatory demands
in the future. Governments as “guarantors of last resort” will demand to know what
they are responsible for. Regulation, already perceived by Chief Risk
Officers as the top source of risk in its own right during the years before
the sub-prime crisis,* will become even more so in the years ahead. Regulatory demands aside, internal demands for better risk and return
management are bound to increase at a rapid pace.
The current state of thinking, organisation and IT infrastructure in the
financial industry is unable to meet the
additional demands for higher quality
financial analysis. The cost of financial
analysis – of which regulation is only
a small part – is a consequence of
segregated thinking which leads to
the expensive silo architecture commonly found in the financial industry
today. This cost is likely to explode
in the near future in the absence of a
paradigm shift. analysis along these principles, organisation and IT structure should follow,
leading to more meaningful and less
expensive financial analysis.
* Various CSFI / PWC Banana skin reports and Regulatory Risk : Trends and Strategies for the CRO.
The Economist Intelligence Unit. July 2005).
However, this situation is not a consequence of a natural law but a
self-inflicted situation due to a lack
of sound first principles in financial
analysis. The speaker, Dr. Willi Brammertz, cuts
the Gordian knot of an expensivelyproduced chaos, showing that all
financial analysis goes back to a few
and well ordered base rules.
Based on these rules, it is possible to
derive any financial analysis - including regulatory reporting. Thus the
proposed paradigm shift could trigger real progress within the financial
sector. Once we think about financial
16
2009
Dr Willi Brammertz,
Senior Advisor at FRSGlobal
fiches entreprise
Avaloq 18
Business Software Consulting 20
Callataÿ & Wouters 22
Clearstream Services 24
Deloitte 26
ERI Bancaire 28
FRS Global 30
IBM 32
Ineum Consulting 34
KPMG 36
New Access 38
Orbium 40
PricewaterhouseCoopers 42
Siemens IT Solutions and Services 44
Temenos 46
"What is thinkable is also possible",
Ludwig Wittgenstein
Company profile & commercial offers
Avaloq :
essential for banking
The Avaloq Group, with branch offices in Luxembourg and Singapore, is
the market leader in Switzerland in the field of standard banking software.
For over a decade, the Swiss company has been developing and marketing the Avaloq Banking System, trusted by leading financial service
providers in private, retail and universal banking in international financial
centres worldwide.
Through a network of specialists consisting of first-class distribution,
implementation, software and technology partners as well as the Avaloq
Community, Avaloq offers its customers a comprehensive all-in-one solution – a modular, innovative and integrated standard software package for
the financial sector. Avaloq is held by management and employees.
The Avaloq Banking System
Avaloq Banking System is an innovative and integrated IT platform which
embraces modern banking practices.
It is an ideal solution for asset managers, plus private, retail and commercial banks, wanting to increase their business efficiency and intending
to protect their competitive advantage and long-term profitability. Avaloq
Banking System ensures that individual financial service providers stand
out from the crowd.
Its modular and open architecture provides comprehensive functionality,
covering a variety of banking products, and enables the optimisation and
breakdown of the value chain.
Frédéric Kemp
Country Manager
Tel. : +352 26 49 34 90
e-mail : [email protected]
Avaloq Banking System’s flexible design allows financial institutions to adapt
swiftly to changing market conditions, including the ability to rapidly launch
new products and implement new business models.
employEEs
in Luxembourg 10
The Avaloq Community – Network of Excellence
Worldwide employees 560
The Avaloq Community is a competence-sharing forum for Avaloq customers and Avaloq implementation partners. The members of this "network
of excellence" jointly develop innovative and effective solutions at various
levels, think about potential new business models, and can enter into collaboration if they wish. Joining the Community does not put the customer
under any obligation. In specific areas of competence - for example financing, portfolio management or trading - Community members can take an
active or a passive role, depending on whether they want to be a leader
or a follower.
Number of references
in Luxembourg 2
SectOr Bank & Finance Industry
ActivitIEs
-Banking & Finance Solutions
-Fund Management Solutions
-Outsourcing Solutions
Avaloq Luxembourg S.à r.l. 20, rue Eugène Ruppert • L-2453 Luxembourg
Tél. : +352 26 49 34 90 • Fax : +352 26 49 33 34 • www.avaloq.com • [email protected]
18
2009
Based upon new technology standards, XMS is a truly open platform.
On top of existing controls, reconciliations, risks mastering and exceptions
management modules, XMS offer all
the necessary flexibility and evolution
capabilities to cover any existing and
future control / matching need.
XMS is an STP Control Architecture, natively designed to deliver
true generic reconciliations.
Founded in 2003, Business Software Consulting (BSC) is dedicated to
enhance STP level in Back-offices’ daily control operations.
These enhancements are achieved through the use of our ‘XMS’ software which acts as a flexible and scalable global STP Control Platform
(XMS stands for eXtensible Matching System).
XMS solutions are fully customizable to easily cope with customers’
needs, bank’s requirements and their respective legal obligations.
Developed products
Our portfolio of solutions ranges from ‘black-box’ systems up to configurations supporting hundreds of simultaneous international users.
As a Generic STP Control Architecture, our XMS can be seen as a “toolbox” already operating controls in the following fields :
• Cash reconciliation (nostrii and internal accounts)
• Securities reconciliations (transactions & Statement of Holdings)
• Forex & Money Market (3-way confirmation reconciliation)
• Operational Risk
Innovative aspects / Advantages
XMS is able to integrate all standard and non-standard message formats : SWIFT, SIC & EUROSIC, SECOM, CODA, flat files (CSV, ...),
EXCEL, XML, EUCLID (Euroclear), ...
Fabrice Thiels
Responsable Commercial
ActivitIEs
-Business Process Solutions
-Finance Regulatory Solutions
-Development Consultancy
and Services
XMS uses User-defined values to handle comparison rules (matching
criteria, control and others), risk attribution rules, alerting, searches and
results sorting etc.
Also, taking advantage of its open architecture, XMS can be configured
to connect to other systems involved in the workflow (front, middle and
back office tools, inter-bank messaging tools). Information conveyed
through different systems can then be permanently monitored in order
to guarantee smooth STP workflow.
commercial contact
Eric Belvaux
Sales Manager
Tel. : +32 2 517 61 08
Technical architecture
• n-tier architecture,
• JAVA based platform,
• XML native design,
• SQL RDBMS,
• “in & out” multi protocols connectors
Business Software Consulting (BSC) Park Atrium – 11 Rue des Colonies • B-1000 Brussels • Belgium
Tél. : +32 2 517 61 08 • Fax : +32 2 517 65 08 • www.businessoftware.biz • [email protected]
20
2009
Callataÿ & Wouters is a global, best-in-class provider of solutions and
professional services for the Banking sector, with headquarters in Brussels and subsidiaries in several EMEA and Asian countries. Its solutions
for multi-channel and core-banking – Thaler Banking Solutions - are
installed in over 40 banks in 15 countries. In 2007, Callataÿ & Wouters
closed a strategic partnership with SAP. Thaler is now deployed on the
technology platform from SAP and integrated with SAP solutions for
Accounting and Risk Management.
The Thaler product line offers multi-channel and core banking capabilities for retail banks, corporate banks and wealth management firms.
The Thaler Wealth Management solution is a modular and fully integrated end-to-end package that helps wealth, investment, and asset
management firms – along with financial advisors – serve all levels of
affluent clients.
Some lighthouse customer references for Thaler : Commonwealth Bank
Australia, Rabobank, Sarasin, BNP Paribas, National Savings & Investments, Dresdner Bank.
For further information : www.cw-thaler.com
Marc De Groote
CEO Callataÿ & Wouters
employEEs
in Luxembourg 50
SectOr ICT Service Provider
ActivitIEs
-Business Intelligence Solutions
commercial contact
Frédéric Stiernon
Country Sales Manager
Tel. : +352 46 65 48 209
Callataÿ & Wouters 89 E, Pafebruch – Parc d’Activités Mamer-Capellen • L-8308 Capellen
Tél. : +352 46 65 48 • Fax : +352 46 65 49 • www.cw-thaler.com • [email protected]
22
2009
ScAlAble, end-TO-end
Banking Solution
‡
Retail, private and corporate banking
capabilities
‡
Agility to serve growth and innovation
‡
Operational excellence
‡
Total risk management
‡
Run on SAP state-of-the-art technology
www.cw-thaler.com
Profil de l’entreprise et offres commerciales
Yves Baguet
Managing Director
employés
au Luxembourg 718
Secteur ICT Service Provider
Activités
-Datacenter & Infrastructure
Solutions
contact commercial
Michel Rodriguez
Head of IT External Business
Tél. : +352 243 35098
e-mail :
[email protected]
Banking Software as a Service
Clearstream Services, en partenariat avec deux spécialistes de
l'informatique bancaire et financière, propose une offre «SaaS»
aux institutions financières.
En partenariat avec Callataÿ & Wouters, Odyssey Asset Management
Systems, Clearstream Services propose une solution SaaS aux institutions financières qui reprend les services back-office de Thaler (Callataÿ
& Wouters) ainsi que les services front-office de Triple A (Odyssey) et
couvre une chaîne fonctionnelle complète en totale adéquation avec
les besoins du monde financier. L'offre va de l'implémentation au suivi
de production 24 / 24, en passant par le support aux utilisateurs et le
Disaster Recovery Plan.
D'autres partenariats stratégiques viennent compléter cette offre SaaS
avec Information Mosaic et son offre cama™ (Corporate Actions Management) et, avec Thomson Reuters et sa suite applicative Kondor+
(Trade and Risk Management).
L'offre Clearstream Services repose sur trois piliers : les "Hosting and
IT Managed Services", les services ASP et SaaS, et les services SWIFT
(SWIFT Service Bureau). Des solutions de gestion de réseaux, de sécurité et d'archivage électronique de documents enrichissent cette offre.
Clearstream Services est accrédité par le Ministère des Finances Luxembourgeois en qualité de Professionnel du Secteur Financier (PSF de
Support). Clearstream Services est certifié par Det Norske Veritas (DNV),
une des organisations de certification les plus réputées au monde,
comme répondant aux standards internationaux ISO 9001 :2000 / TickIT
pour la Gestion de Qualité de même que ISO / IEC 20000 :2005 pour
la Gestion des Services IT.
À propos de Clearstream Services :
Clearstream Services est le département IT de Clearstream, la branche
règlement-livraison et conservation de titres du groupe Deutsche Börse,
la plus grande organisation boursière au monde en terme de chiffre
d'affaires et de capitalisation de marché.
Clearstream Services S.A. 42, Avenue J. F. Kennedy • L-1855 Luxembourg • Tél. : +352 24 33 24 34
Fax : +352 243 63 24 34 • www.clearstream.com • [email protected]
24
2009
Here
Flexible solutions, tailored to your needs. Relationship management,
built on deeper understanding. Service excellence - that you can take
for granted. Clearstream Services. Right here, where you need us.
IT Hosting and Managed Services - SaaS Solutions
get more
Thierry Hoeltgen
Partner
Joël Vanoverschelde
Partner
employés
au Luxembourg 1.100
employés Worlwide 165.000
Au Luxembourg, avec plus de 1100 collaborateurs, Deloitte est
l’un des premiers prestataires de services professionnels de la
place. Depuis plus de 50 ans, Deloitte délivre à une clientèle
nationale et internationale des services à haute valeur ajoutée,
dans les domaines suivants : audit, fiscalité, gestion des risques,
advisory, business & IT consulting.
Avec plus de 25.000 collaborateurs dans plus de 80 pays à travers le
monde, nos services de consultance et de conseils se classent parmi
les meilleurs au niveau mondial. La qualité de nos talents pluridisciplinaires nous permet de fournir une solution totale à nos clients, quels
que soient leur taille, leur profil géographique ou leurs besoins. En intégrant les compétences de toute l'entreprise, nous mettons en place
une architecture d'équipe sans pareille répondant véritablement aux
exigences des clients en matière de solutions à source unique.
La présence de Deloitte à Luxembourg est forte de 250 consultants
dont 80 consultants IT travaillant en étroite collaboration avec les différentes lignes métiers de la firme. Concentrés sur la création de valeur,
nous mettons à la disposition de nos clients des outils et des méthodologies (CIO Framework ™, Reverse engineering ™, Project Management
Program ™) afin de leur apporter les meilleures solutions.
Deloitte S.A. est membre du réseau Deloitte Touche Tohmatsu, l’un des
premiers cabinets de services professionnels mondiaux. Avec 165.000
personnes dans plus de 140 pays, notre groupe sert plus de 80% des
entreprises majeures au monde.
Chiffre d'affaires
127.000.000 e
Secteur Services financiers
Activités
-Audit
-Tax
-Consulting
-Financial Advisory
contact commercial
Thierry Hoeltgen
Joël Vanoverschelde
Deloitte S.A. 560, rue de Neudorf • L-2220 Luxembourg
Tél. : +352 45 14 51 • Fax : +352 45 14 52 40-1 • www.deloitte.lu • [email protected]
26
2009
IT investments need
appropriate decisions
Can you improve your
Return On Investment?
Businesses today face a definite need to optimise each IT decision and every
IT investment. With IT becoming, more than ever, a strong competitive asset,
companies cannot afford to have only a limited understanding of IT Returns
on Investment (ROI).
At Deloitte, we have specialist IT consultants backed up by specialist business
consultants. Our mission is to enhance your organisation’s performance,
productivity and profitability through pertinent IT choices, then to implement
these choices with you. By being a unique partner who can both advise on
and implement solutions, we enable our clients to:
• Build a comprehensive IT plan in alignment
with your overall business strategy
• Measure at any time the relevance
of your IT choices and their
conformity to your company’s
IT strategy
• Achieve optimal IT solutions
to meet the organisation’s
ongoing needs.
Deloitte S.A.
560, rue de Neudorf
L-2220 Luxembourg
www.deloitte.lu
© 2008 • Deloitte S.A. • All rights reserved.
Riccardo Ricci
Sales Manager
employés
au Luxembourg 161
employés Worlwide 530
Nombre de références (clients)
luxembourgeoises 48
Activités
Built to suit your business.
ERI Bancaire est une société de dimension internationale,
spécialisée dans la conception, le développement, la distribution
et le support du progiciel bancaire : OLYMPIC Banking System.
Bien implantée sur les plus grandes places financières d’Europe, ERI
Bancaire se distingue par sa politique de proximité auprès de ses clients.
Elle est présente à Bruxelles, Genève, Londres, Lugano, Luxembourg,
Monaco, Paris, Singapour et Zurich.
Forte de plus de 530 collaborateurs hautement qualifiés, ERI Bancaire
se positionne comme leader dans le domaine des progiciels bancaires.
Elle occupe la première place sur les marchés luxembourgeois, monégasque et suisse.
Progiciel bancaire intégré et en temps réel, multi-langues, multi-devises,
multi-sites, multi-dates, OLYMPIC Banking System est reconnu
comme le plus complet du marché par les établissements bancaires
les plus exigeants. Particulièrement évolutif, il assure la couverture des
besoins Front, Middle et Back-office et offre, entre autres, les fonctionnalités suivantes : Gestion de fortune (PAM), Customer Value Management
(CRM), e-banking, Front-Office / Marchés, Middle et Back-Office (titres,
marché des changes, marché des capitaux, crédits, transferts), Agents
externes, OPCVM-SICAV, comptabilité sociétés, communication interbancaire, Business Intelligence, Reporting réglementaire, Compliance
Information system, STP.
Grâce à la haute flexibilité de son système paramétrique, OLYMPIC
Banking System répond également à toute demande de person
nalisation.
OLYMPIC Banking System, de par son vaste éventail d’outils de
traitement, d’analyse, d’aide à la décision et de contrôle, est la solution
retenue par de nombreux établissements bancaires et financiers, au
niveau international dans les secteurs du PRIVATE BANKING, RETAIL
BANKING, UNIVERSAL BANKING, FUNDS AND TRUST, e-BANKING.
contact commercial
OLYMPIC Banking System a été choisi par plus de 280 banques et
établissements financiers répartis dans 35 pays dans le monde et plus de
20 000 utilisateurs bénéficient chaque jour de la puissance d’OLYMPIC
Banking System pour leur plus grande satisfaction.
Riccardo Ricci
Tél. : +352 46 10 50-1
ERI Bancaire Luxembourg S.A. 3b, boulevard du Prince Henri • L-1724 Luxembourg
Tél. : +352 46 10 50-1 • Fax : +352 22 42 22 • www.eri.ch • www.olympic.ch • [email protected]
28
2009
FRSGlobal : the only true supplier of global risk management and
regulatory compliance solutions on a unified platform
Single or multi-country, risk and / or regulatory, branch or head office –
FRSGlobal provides proven risk and regulatory compliance solutions to
meet the financial market’s current and future demands.
FRSGlobal’s coverage includes both local prudential and global reporting (IFRS / FinREP, Basel II / CoREP and MiFID) – which is achieved by
leveraging a common DataFoundation to harness financial intelligence
across an enterprise, while maintaining the country-specific requirements.
The solutions from the FRSGlobal REPORTINGCentre enable financial
institutions to address major regulatory and compliance requirements
locally and globally, offering full coverage for over 30 countries.
The FRSGlobal RISKCentre solutions cover market risk, credit risk
and operational risk and address Pillar II requirements such as liquidity
risk, interest-rate risk in the banking book, stress testing and scenario
analysis and capital planning.
Marc Gillis
Sales Director EMEA South
employEEs
in Luxembourg 45
Number of rEfErences
IN luxembourg 80
FRSGlobal has nearly 20 years of industry expertise and its solutions
are used in over 1500 financial organisations - including 41 of the top
50 global banking institutions.
FRSGlobal is headquartered in Brussels with a further 19 other offices
in North America, Europe, Dubai and Asia Pacific and Japan.
ActivitIEs
commercial contactS
Marc Gillis
Tel. : +352 621 22 03 28
Audrey Collignon
Sales Executive
Tel. : +352 661 84 00 46
FRSGlobal Luxembourg S.A. 89F, rue Pafebruch • L-8308 Capellen
Tél. : +352 26 19 10 45 • Fax : +352 26 19 10 30 • www.frsglobal.com • [email protected]
30
2009
Stop talking, start doing.
IBM Luxembourg is active in the sales, marketing, and delivery of all IT
solutions developed by the IBM Corporation. Our entity Global Technology Services delivers IT infrastructure projects designed according to
the specific requirements of our clients. Global Business Services performs business consulting missions as well as application development
and system integration projects. IBM Services Financial Sector (ISFS) is
IBM's subsidiary with 'Financial Sector Professional' (PSF) accreditation
delivering services to the Luxembourg financial sector.
IBM Internet Security Systems
Complex industry regulations and threats to revenue, reputation and
operations have converged to make security and fraud chief concerns
for financial companies. New business and technology initiatives carry
inherent IT risk and must be balanced with the ongoing need to pre
serve trust and protect reputation. Only a robust IT security program
enables banks and financial markets organizations to extend services
securely. To be successful, security management should be part of a
broader model of managing operational risk and fraud without adversely
impacting business processes or customer services.
Besides security our areas of focus are :
Hardware :the entire range of servers and storage,
from the mainframe to blades.
Software : Tivoli, Rational, Data management, Lotus, COGNOS.
Pascal Lanser
Director IBM Luxembourg
Tel. : +352 36 03 85-1
employEEs
IN Luxembourg 195
Worldwide employees 386,558
Global Technology Services :
• Business Continuity & Recovery Services
• Storage Management
• Security Management, including Internet Security Services
• Site & Facility Management
• Server Management
• Outsourcing Services
ActivitIEs
-Security Solutions
-Datacenter & Infrastructure
Solutions
Global Business Services :
• Development, maintenance and integration of applications
• Consulting and implementations of financial packages
• Consulting and implementation of solutions
in Human Capital Management.
Global Financing :
Leasing solutions for IBM and OEM products.
IBM Belgium S.A. Luxembourg Branch 1, Ceinture Um Schlass • L-5880 Hesperange
Tél. : +352 36 03 85-1 • Fax : + 352 36 04 16 • www.ibm.com / be / en
32
2009
TALKING
DOING
SECURES CONFERENCE ROOMS.
SECURES INFRASTRUCTURES.
Every year, Hughes secures over one billion ﬁnancial transactions. To make sure
their customers’ networks were secure, Hughes made a timetable. And a call to IBM.
Net net? Security audit and compliance done ahead of schedule. Read the case
study at ibm.com/doing/security STOP TALKING START DOING
IBM, the IBM logo and ibm.com are registered trademarks or trademarks of International Business Machines Corporation in the United States and/or other
countries. Other company, product and service names may be trademarks or service marks of others. © Copyright IBM Corporation 2008. All rights reserved.
Jean DIEDERICH
Senior Manager
employés
au Luxembourg 75
employés Worlwide 4000
Nombre de références (clients)
luxembourgeoises >20
Secteur Consulting in Strategy,
Organisation and ICT
Activités
Et votre vision devient entreprise
Ineum Consulting est une société de conseil en stratégie, organisation
et systèmes d’information. Ineum Consulting assiste ses clients dans la
réalisation de leurs choix stratégiques, opérationnels et technologiques,
en toute objectivité.
La gamme de services qu’elle couvre, focalisée sur la connaissance
profonde des métiers de ses clients et sur sa capacité à mettre en
œuvre des solutions spécifiques, représente une force de proposition
unique. – Ineum Consulting – 1300 collaborateurs, présent en Australie,
Belgique, France, Maghreb, Luxembourg, Pays-Bas, Suisse, RoyaumeUni et États-Unis - fait partie de Management Consulting Group Plc,
qui dispose de plus de 30 bureaux répartis sur les 5 continents. Plus
d’information : www.ineumconsulting.com
Ineum Consulting déploie une double expertise dans les grands secteurs économiques et les fonctions de l’entreprise. Lors de vos projets,
Ineum Consulting regroupe les experts de vos secteurs d’activités
(Institutions financières, Industrie, Produits de grande consommation
et distribution, Energie, utilities et environnement, Middle market, Communications et médias, Secteur public, Santé, Sport, Organismes de
protection sociale, Transports et Immobilier) et les responsables de ces
fonctions qui sont :
•
•
•
•
•
•
•
•
•
Stratégie
Marketing, sales et services
Opérations, performance industrielle
Finance, comptabilité et contrôle de gestion
Ressources humaines et conduite du changement
Stratégie et transformation des systèmes d’information
Programmes complexes et solutions d’entreprises
Subventions et financements
Développement durable
contact commercial
Eric CRABIE
Tél. : +352 26 37 74 20
Jean DIEDERICH
Tél. : +352 26 37 74 99
Ineum Consulting Luxembourg S.A. 41, zone d’activité Am Bann • L-3372 Leudelange
Tél. : +352 26 37 74 1 • Fax : +352 26 37 74 982 • www.ineumconsulting.com • [email protected]
34
2009
et votre vision devient entreprise
De l’inspiration à l’idée, du projet à sa réalisation, votre vision devient entreprise
Pour devenir plus performantes, les organisations ont un besoin constant d’évolution. Dans ce cadre,
Ineum Consulting se consacre exclusivement au métier du conseil. Car sans indépendance, la compétence
ne saurait rester longtemps objective. Reconnus pour leur excellence et leurs connaissances sectorielles
et organisationnelles, nos 1300 collaborateurs vous feront bénéficier, au travers de démarches
collaboratives, de méthodologies et de références éprouvées au niveau national et international. Experts
dans la conduite de programmes et projets de transformation, ils n’ont qu’un objectif : votre objectif.
www.ineumconsulting.com
Algeria - Australia - Belgium - France - Luxembourg - Morocco - Netherlands - Switzerland - UKI - USA
Alain Picquet
Partner, Head of Advisory
employés
au Luxembourg 900
employés Worlwide 130.000
Chiffre d'affaires
110.000.000 e (2007)
Secteur Enterprise Services
Activités
-Banking & Finance
Solutions / Services
-Fund Management
-Business Intelligence
-Business Process
-Finance Regulatory
KPMG, un partenaire IT d’expérience
KPMG propose ses services autour de trois axes majeurs :
AUDIT, TAX & ADVISORY.
KPMG a développé un ensemble de services informatiques et organisationnels visant à fournir des solutions efficaces aux problématiques
rencontrées par ses clients et notamment aux impératifs de croissance,
de performance et de gouvernance.
Dans le monde de la banque et celui des fonds d’investissement,
KPMG a développé des offres spécifiques telles que :
- La reprise de nouveaux clients (migration de clients d’un prestataire
vers un autre)
- La rédaction de schéma directeur informatique ou comment
assurer un responsable informatique de l’alignement de sa stratégie
informatique par rapport à la stratégie business de l’entreprise.
- La rédaction de cahiers des charges dans un environnement
fonctionnel de plus en plus sophistiqué. La compréhension de
l’ensemble de la législation et des instructions des régulateurs est
un élément essentiel de ce service.
- La sélection et l’implémentation de packages spécialisés dans la
banque, le métier des titres, la gestion d’actif, l’administration de
fonds, l’agent de transfert, la trésorerie.
contact commercial
Alain Picquet
Tél. : +352 22 51 51 7910
KPMG 9, Allée Scheffer • L-2520 Luxembourg
Tél. : +352 22 51 51-1 • Fax : +352 22 51 71 • www.kpmg.lu
36
2009
© 2008 KPMG, the Luxembourg member firm of KPMG International, a Swiss cooperative. All rights reserved.
KPMG
Who else ?
Jean-François Bequevort
Managing Director
Tel. : +352 26 00 57 27
e-mail :
[email protected]
employEEs
IN Luxembourg 5-10
ActivitIEs
-ERP & CRM Solutions
-ECM & Storage Solutions
Wealth Management front office
& client centric solutions
New Access SA is a leader in the banking software industry and is specialized in electronic document management with Logical Access®, in
portfolio management with Olivia®, in banking relationship management
with Branch® and in clients’ reports and legal document generation with
Xeres. New Access runs operation in Singapore, Dubai and Luxembourg
and is headquartered in Geneva, Switzerland.
The private banking landscape is changing and many banks in Asia
and Switzerland already understood the fundamental need to re-invest
in customer centric solutions. In doing so, even in difficult times, they
prepare themselves to get the most of the new waves of HNWI and
UHNWI popping up in offshore countries.
New Access is a Swiss headquartered private banking software company serving financial institutions in 19 countries. Our value proposition
is the optimization of the front-office solutions and processes, with the
following objectives :
Target and attract new customers by facilitating the prospect management cycle within the bank, by accelerating the account opening
procedure, by managing segmented customized campaign,…
Retain and serve existing client base by providing customer relationship managers with superior tools and workbenches, by managing
customer data (including central file, documents life cycle) in a business
proactive way, by creating relevant profiling and segmentation (risk aversion, portfolio strategy, …), by generating individual high quality dynamic
statements, by personalizing each key relation,…
Increase operational efficiency. In highly competitive situations, there
is a strong need to do more with less. Banks are today investing to get
the most from hard to recruit CRM, facilitating their daily job and their
relationships with other departments such as compliance, customer
services, IT.
commercial contact
Stéphane Grégoire
Senior Consultant
New Access Luxembourg S.A. 46 A, avenue J.F. Kennedy • L-1855 Luxembourg
Tél. : + 352 26 00 57 26 • Fax : +352 26 00 58 23 • www.newaccess.ch • [email protected]
38
2009
08_12_15_Luxembourg.pdf
6/01/09
16:35:15
www.newaccess.ch
Orbium : Your partner of choice for
implementing Avaloq Banking System
Orbium is a business and IT consulting company focusing exclusively
on the financial services industry. Our mission is to help our clients
grow the financial and operating performance of their financial services
business.
We offer a range of services and products to help overcome business
and IT challenges and to improve the effectiveness of our clients’ operations in the financial services industry.
A poorly implemented system is no use to anyone, but equally a perfectly built system is useless unless employees know how to make
the most of it. Through their breadth of experience and skill sets, our
consultants are able to tackle such challenges to achieve the results
our clients expect.
On top of consulting services, Orbium has leveraged its field experience
to develop niche products that meet the specialized needs of banks and
insurance companies. Our products portfolio consist of :
• SecurEasy™, that helps manage Avaloq security in an improved and
more convenient way.
Ignacio Ramos Herman
Head of Orbium
Luxembourg Office
Tel. : +352 27 12 09 01
e-mail :
[email protected]
employEEs
IN Luxembourg 18
• abaCal Insurance™, a universal rating system, that helps shape
products, rules and calculations for insurance companies within a single
central and integrated software.
• abaCal Risk Management™, an external application that allows
users to calculate quantitative risks by using either standard legal models and scenarios or internal models and scenarios specific to each
company.
Worldwide employees >100
ActivitIEs
and Services
-IT Training Services
ORBIUM Sàrl Route de Trèves 2 • L-2633 Senningerberg • Tél. : +352 27 12 09 01
Fax : +352 27 12 09 50 • www.orbiumgroup.com • [email protected]
40
2009
www.orbiumgroup.com
Zurich I Geneva I Luxembourg
Your Avaloq
implementation partner
Orbium is a business consulting company focusing exclusively on the financial services industry. By sharing our industry expertise and extensive business and IT knowledge, we help our financial services clients to successfully
negotiate their business and technical challenges.
Orbium provides a wide range of services and specialized
products.
Our services cover mainly process improvement, as well
as a broad range of IT consulting services ranging from IT
strategy to system implementation. A strong and broad
partnership with Avaloq Evolution AG makes us a leader
in Avaloq Banking System implementations. Our products cover the specialized IT or business needs of our clients.
As a true partnership, Orbium is financially independent
and is highly committed to the success of its clients who
are served from our offices in Luxembourg, Zurich and
Geneva.
Orbium Sàrl
Route de Trèves 2,
L-2633 Senningerberg
[email protected]
PricewaterhouseCoopers Luxembourg
helps you to develop new business opportunities.
PricewaterhouseCoopers Luxembourg (www.pwc.com / lu) has about
1,800 professionals from 49 different countries. PricewaterhouseCoopers (www.pwc.com) provides industry-focused assurance, tax and
advisory services to build public trust and enhance value for its clients
and their stakeholders.
PricewaterhouseCoopers relies on high quality specialists with a long
standing professional history and credibility in the Private and Corporate
Banking sectors. In the more recently developed PFS sector, we are
today recognised for having developed the competencies and knowhow of an increasingly diversified and complex environment.
Our banking and PFS specialists offer a broad range of audit, tax and
advisory services allowing local players to efficiently respond to the
economic and legal dynamics of the Luxembourg marketplace.
As at today, PricewaterhouseCoopers holds a pre-eminent position
in the marketplace. We audit around 35% of Luxembourg banks and
maintain a close relationship with the banking sector as a whole. Within
the PFS sector, we audit 48 entities out of 227 entities, as at the end
of May 2008.
Our different groups of specialists are fully aware of the latest legal and
regulatory texts and foresee the business implications and necessary
actions to be taken into account.
Gian Marco Magrini
Advisory, Banking,
PricewaterhouseCoopers
Luxembourg
We contribute to the market with meaningful thought leadership and
leading publications in the Luxembourg banking and PFS sectors.
employEEs
IN Luxembourg 1800
Worldwide employees 155,000
“PricewaterhouseCoopers” refers to the network of member firms of
PricewaterhouseCoopers International Limited, each of which is a separate and independent legal entity.
SectOr Enterprise Services
ActivitIEs
-ERP & CRM Solutions
© 2009 PricewaterhouseCoopers S.à r.l. All rights reserved. PricewaterhouseCoopers refers to
the network of member firms of PricewaterhouseCoopers International Limited, each of which is
a separate and independent legal entity.
PricewaterhouseCoopers S.à r.l. 400, route d’Esch • L-1014 Luxembourg
Tel. : +352 49 48 48-1 • Fax : +352 49 48 48-2900 • www.pwc.com / lu • [email protected]
42
2009
The question isn’t
“Where am I going?”,
it’s “How do I get there?”.*
In the financial services industry, due to increasing
complexity and fundamental change, choosing the
right strategy is important. But it’s only the start.
Implementation linked to constant innovation will be
the true key to success. At PricewaterhouseCoopers
we offer thought leadership to companies through
our multidisciplinary, global approach, helping them
to identify the drivers of change and to leverage the
opportunities that these present. To find out more
about how we can help you maximise shareholder
value visit www.pwc.com/lu
For more information, please contact:
Gian Marco Magrini
+352 49 48 48-2509
[email protected]
www.pwc.com/lu
© 2009 PricewaterhouseCoopers S.à r.l. All rights reserved. PricewaterhouseCoopers refers to the network of member firms of PricewaterhouseCoopers
International Limited, each of which is a separate and independent legal entity. *connectedthinking is a trademark of PricewaterhouseCoopers LLP.
Philippe Houssier
Chief Executive Officer
Tél. : +352 43 84 38 03
employés
au Luxembourg 51
• Siemens IT Solutions
and Services Finance
(entité PSF) : 21
• Siemens IT Solutions
and Services : 30
Activités
-Security Solutions
and Services
Siemens IT Solutions and Services Finance est une filiale à 100%
de Siemens IT Solutions and Services. Avec son statut PSF, Siemens
IT Solutions and Services Finance s’adresse spécifiquement au secteur
financier et offre des services professionnels dans les domaines de l'information et de la communication.
Nous sommes un partenaire de confiance pour gérer vos besoins IT,
un acteur local qui, de par sa présence dans plus de 190 pays, peut
s'appuyer sur un très large réseau de compétences et de savoir-faire.
Afin d'assurer une flexibilité maximale tout en maîtrisant les coûts, nous
faisons également appel à des ressources Siemens globales.
Forte de cette présence mondiale, la société possède les capacités
de délivrer des solutions intégrées basées sur des principes et des
méthodes cohérentes qui ont déjà fait leur preuve.
Nous répondons aux priorités des banques et assurances avec des
solutions qui leur sont spécifiques, les aidant ainsi à gérer leur business
dans un monde en perpétuelle évolution.
Nous aidons les banques à devenir réactives, à être plus proches de
leurs clients, à minimiser leurs risques ainsi qu’à consolider et à simplifier
leur infrastructure.
Siemens IT Solutions and Services Finance s'est organisée afin de pouvoir répondre aux besoins du secteur financier en offrant un portefeuille
de solutions variées à réelle valeur ajoutée. Ces solutions sont diverses et complémentaires ; il s'agit par exemple de solutions de sécurité
d'accès (biométrie, authentification, ...), de sécurité de transaction, de
gestion du risque qu’il soit de marché, de crédit ou encore collatéral.
Il s'agit également d'IT outsourcing, de Managed Services, de solutions
de communication, de Business Intelligence et d'Entreprise Content
Management.
Nos clients peuvent compter sur notre présence au quotidien pour la
construction et le maintien de leur infrastructure et des solutions applicatives soutenant la gestion de leurs activités.
Siemens IT Solutions and Services Finance S.A. Rue des Peupliers 20 • L-2328 Luxembourg - Hamm
Tél. : +352 43 84 38 03 • Fax : +352 43 84 38 75 • www.siemens.lu / it-solutions / • [email protected]
44
2009
Answers all along your value chain
PUB SITS
Siemens IT Solutions and Services Finance
IT Solutions for the Financial Sector
www.siemens.lu/it-solutions-finance
Temenos :
The banking software company
Founded in 1993 and listed on the main segment of the Swiss Stock
Exchange (SWX : TEMN), Temenos Group AG is a leading provider of
integrated modular core banking systems. We serve more than 600
customers in over 120 countries, supported by 44 offices with more
than 2,300 staff made up of over 60 nationalities.
Temenos is the world’s leading supplier of packaged banking software.
We offer modern, innovative and award-winning banking systems, which
enable our clients to grow their business, manage costs and manage risk.
We are the only software company that has committed to banking as
its sole domain and we live or die by the success of our banking systems. This success depends on our ability to offer specialised domain
expertise. We do not dilute this expertise by serving other industries.
Our systems are based on the latest open technology and not aligned
to any particular hardware, server or database technology. This results
in flexibility, reduced risk and ensures that our clients have choice in the
technical infrastructure on which they run our systems.
Yves Compan
Business Development Manager
Our T24 Model Bank product is preconfigured with industry best
practice built-in, enabling fast and predictable implementations with
immediate, measurable benefits.
We provide a true core banking package, which is upgradable through
our yearly release programme, so our clients can avoid the obsolescence inevitable with many legacy systems.
employEEs
IN Luxembourg 53
ActivitIEs
and Services
We take our responsibilities seriously – as a supplier, business partner,
employer and global organisation.
We are aware that this success depends in turn on our investing in
our products and people to ensure that they continue to support your
requirements into the future.
commercial contact
Yves Compan
Tél. : +352 22 03 51 52
We will continue to invest for the long term and we invite you to talk
to us to see how our investment can benefit your organisation.
TEMENOS West Side Village, 89D rue Pafebruch • L-8308 Capellen
Tél. : +352 22 03 51 • Fax : +352 22 05 23 • www.temenos.com
46
2009
Enabling growth
With TEMENOS T24 your core system goes on adapting and
growing in tune with your changing business environment.
Temenos has implemented more than 600 core systems in 120 countries, across all banking
sectors. T24 supports operations in the Retail, Corporate & Correspondent, Universal, Private,
Islamic and Microfinance & Community banking markets, from the largest international
banking groups through to local community banks.
The T24 Model Bank delivers a system which is tailored to match the specific requirements
of your sector. It includes pre-parameterised configurations which encapsulate the shared
experience and best practice of existing Temenos clients operating in your sector – a huge
amount of experience from your peers in the industry. This means a safe, rapid and
cost-effective core system implementation which enables you to deliver business benefits
faster... in as little as three months in fact.
So let Temenos concern itself with your core system implementation while you focus on
the business of banking ... wherever you are.
Retail
www.temenos.com
Corporate & Correspondent
Universal
Private Wealth Management
Islamic
Microfinance & Community
Phone Luxemburg: +352 220 351 | Fax Luxemburg: +352 220 523 | Email: [email protected]
TEMENOS,
TEMENOS, The Banking Software Company and TEMENOS T24 are trademarks of TEMENOS HEADQUARTERS SA
TEMENOS T24 is a registered trademark of the TEMENOS Group of companies and is referred to in this advertisement as “T24”
Tél. : +352 46 10 50-1
Fax : +352 22 42 22
Avaloq
Luxembourg S.à r.l.
Callataÿ & Wouters
20, rue Eugène Ruppert
L-2453 Luxembourg
Tél. : +352 26 49 34 90
Fax : +352 26 49 33 34
89e, Pafebruch
Parc d’Activités Mamer-Capellen
L-8308 Capellen
Tél. : +352 46 65 48
Fax : +352 46 65 49
www.avaloq.com
[email protected]
www.cw-thaler.com
[email protected]
Bravura Solutions
6d, route de Trèves
Tél. : 26 10 62-1
Fax : 26 10 62-20
www.bravurasolutions.com
[email protected]
BSB Luxembourg
7, rue des Mérovingiens
z.a. Bourmicht
L-8070 Bertrange
Tél. : 47 57 39
Fax : 47 03 61
www.bsb.com
[email protected]
CETREL
10, Parc d’Activité Syrdall L-5365 Munsbach
Tél. : 3 55 66-1
[email protected]
www.cetrel.lu
Clearstream Services
S.A.
www.eri.ch
www.olympic.ch
[email protected]
Ernst & Young
7, Parc d’Activité Syrdall
L-5365 Munsbach
Tél. : 4 21 24 1
Fax : 4 21 24 5555
www.ey.com / lu
[email protected]
Exigo
11, rue de Bitbourg
L-1273 Luxembourg
Tél. : 2 70 43 11
Fax : 26 43 26 07
www.exigo.lu
[email protected]
Fernbach - Software
42, Avenue J. F. Kennedy
L-1855 Luxembourg
Tél. : +352 24 33 24 34
Fax : +352 243 63 24 34
1a, parc d’activité Syrdall
L-5365 Munsbach
Tél. : 40 22 44-1
Fax : 40 22 44-310
www.clearstream.com
[email protected]
www.fernbach.com
[email protected]
Financial Objects
Deloitte S.A.
Business Software
Consulting (BSC)
Park Atrium
11, rue des Colonies
B-1000 Brussels
Belgium
Tél. : +32 2 517 61 08
Fax : +32 2 517 65 08
www.businessoftware.biz
[email protected]
48
2009
560, rue de Neudorf
L-2220 Luxembourg
Tél. : +352 45 14 51
Fax : +352 45 14 52 40-1
www.deloitte.lu
[email protected]
ERI Bancaire
Luxembourg S.A.
3b, boulevard du Prince Henri
L-1724 Luxembourg
73 Avenue de la Gare
L-1450 Luxembourg
Tél. : 26 52 16 97
www.finobj.com
FRSGlobal
Luxembourg S.A.
89f, rue Pafebruch
L-8308 Capellen
Tél. : +352 26 19 10 45
Fax : +352 26 19 10 30
www.frsglobal.com
[email protected]
www.ids-scheer.lu
[email protected]
Fujitsu Services
3, rue Jean Piret
L-2350 Luxembourg (Lëtzebuerg)
Tél. : 49 00 91-1
Fax : 48 06 41
lu.fujitsu.com
[email protected]
Hewlett Packard
51-53, Avenue Colonel Picquart
B- 1030 Schaerbeek
Belgique
Tel : +32 2 242 72 20
Fax : +32 2 242 01 70
www.hp.com / be
1, Ceinture Um Schlass
L-5880 Hesperange
Tél. : +352 36 03 85-1
Fax : + 352 36 04 16
www.ibm.com / be / en
www.logica.com / luxembourg
[email protected]
41, zone d’activité Am Bann
L-3372 Leudelange
Tél. : +352 26 37 74 1
Fax : +352 26 37 74 982
Midas
Asset Management
www.ineumconsulting.com
[email protected]
Information Mosaic
241, route d’Arlon L-1150 Luxembourg Tél. : 26 25 7770 Fax. : 26 25 7771
IGEFI
7, rue des Primeurs
L-2361 Luxembourg
Tél. : 26 44 21-1
Fax : 26 44 21-44
KPMG
9, Allée Scheffer
L-2520 Luxembourg
Tél. : +352 22 51 51-1
Fax : +352 22 51 71
www.iflexsolutions.com
[email protected]
www.kpmg.lu
IDS Scheer Luxembourg
10, rue C.-M. Spoo
L-2546 Luxembourg
Tél. : 29 56 65-1
Fax : 29 56 65-250
89d, Parc d’Activites Capellen
L-8308 Capellen
Tél. : 31 94 31-1
Fax : 31 94 46
37, val St André
L-1128 Luxembourg
Tél. : 25 07 50-214
Fax : 25 07 50-216
www.midas-asset.com
[email protected]
Misys International
Banking Systems
287-289, route d’Arlon
L-1150 Luxembourg
Tél. : 45 33 99-1
Fax : 45 33 99-201
www.misys.com / luxembourg
[email protected]
www.igefi.lu
[email protected]
i-flex solutions
Oracle Financial Services Software
17, Square Edouard VII
F- 75009 Paris
France
Tél. : +33 1 53 43 91 86
Fax. : +33 1 53 43 94 94
7, zone d’activités Bourmicht
L-8070 Bertrange
Tél. : 26 51 47 1
Fax : 26 51 47 40
Ineum Consulting
Luxembourg S.A.
www.informationmosaic.com
[email protected]
IBM Belgium S.A.
Luxembourg Branch
Logica Luxembourg SA
Linedata Services
www.linedata.lu
[email protected]
New Access
Luxembourg S.A.
46a, avenue J.F. Kennedy
L-1855 Luxembourg
Tél. : + 352 26 00 57 26
Fax : +352 26 00 58 23
www.newaccess.ch
[email protected]
Norkom Europe
329, Geldenaaksebaan
B-3001 Heverlee
Belgique
Tél. : + 32 16 38 78 80
www.norkom.com
2009
49
Odyssey Asset
Management Systems
26-28, rue Edward Steichen
esp. Kirchberg Eolis
L-2540 Luxembourg
Tél. : 42 60 80-1
Fax : 42 91 92
www.odyssey-group.com
[email protected]
www.sungard.com
[email protected]
Siemens IT Solutions
and Services Finance
S.A.
20, rue des Peupliers
L-2328 Luxembourg - Hamm
Tél. : +352 43 84 38 03
Fax : +352 43 84 38 75
www.siemens.lu / it-solutions / [email protected]
ORBIUM Sàrl
2, route de Trèves
Tél. : +352 27 12 09 01
Fax : +352 27 12 09 50
www.orbiumgroup.com
[email protected]
Pricewaterhouse
Coopers S.à r.l.
400, route d’Esch
L-1014 Luxembourg
Tel. : +352 49 48 48-1
Fax : +352 49 48 48-2900
www.pwc.com / lu
[email protected]
Profidata Services
1b parc d’activité Syrdall
L-5365 Munsbach
Tél. : 27 07 37
www.profidatagroup.com
[email protected]
Real Solutions
33, route d’Eich
L-1461 Luxembourg
Tél. : 43 65 22-1
Fax : 42 26 38
36, route de Longwy
L-8080 Bertrange
Tél. : 31 44 01
Fax : 26 31 12 92
www.sogeti.lu
[email protected]
Sopra Group
326, Avenue Louise - Boîte 29
B-1050 Ixelles
Belgique
Tél. : +32 2 641 96 96
Fax. : +32 2 641 96 97
www.sopragroup.com
[email protected]
77-79, parc d’activ. Capellen
L-8308 Capellen
Tél. : 49 11 33-1
Fax : 49 11 33-33
lu.sun.com
[email protected]
7, route de Trèves
L-2632 Luxembourg
Tél. : 43 61 81-1
Fax : 43 61 81-216
2009
224, rue I. Meyskens
B-1780 Wemmel
Tel : +32 2 531 11 40
Fax : +32 2 713 17 00
www.symantec.be
[email protected]
Tata Consultancy
Services
89d, parc d’activité Capellen
L-8308 Capellen
Tél. : 26 10 11
Fax : 26 10 19 50
www.tcs.com / lu
[email protected]
Telovia
9, rue des Trois Cantons
L-8399 Windhof
Tél. : 26 10 88 16
www.telovia.com
[email protected]
Sun Microsystems
Financial Sector
SunGard Systems
Luxembourg
www.real.lu
[email protected]
50
Sogeti
Symantec
TEMENOS
West Side Village,
89d, rue Pafebruch
L-8308 Capellen
Tél. : +352 22 03 51
Fax : +352 22 05 23
www.temenos.com
Transformez vos données d’entreprise
en un nouveau type d’énergie.
Découvrez Microsoft® SQL Server® 2008. Exploitez la puissance de l’explosion de
données. Ces dernières années, les formats de données que vous avez dû traiter,
en plus du volume de données pur, ont explosé. Avec le nouveau SQL Server 2008,
vous pouvez tirer parti de la puissance inexploitée de cette explosion en intégrant,
gérant et générant sa puissance au profit de vos utilisateurs finaux comme vous
ne l’avez jamais fait auparavant. Mesurez la puissance que vous pouvez offrir aux
utilisateurs finaux sur sqlserverenergy.be
Adaptable banking systems
With TEMENOS T24 your core system goes on adapting and
growing in tune with your changing business environment.
Temenos has implemented more than 600 core systems in 120 countries, across all banking
sectors. T24 supports operations in the Retail, Corporate & Correspondent, Universal, Private,
Islamic and Microfinance & Community banking markets, from the largest international
banking groups through to local community banks.
The T24 Model Bank delivers a system which is tailored to match the specific requirements
of your sector. It includes pre-parameterised configurations which encapsulate the shared
experience and best practice of existing Temenos clients operating in your sector – a huge
amount of experience from your peers in the industry. This means a safe, rapid and
cost-effective core system implementation which enables you to deliver business benefits
faster... in as little as three months in fact.
So let Temenos concern itself with your core system implementation while you focus on
the business of banking ... wherever you are.
Retail
www.temenos.com
Corporate & Correspondent
Universal
Private Wealth Management
Islamic
Microfinance & Community
Phone Luxemburg: +352 220 351 | Fax Luxemburg: +352 220 523 | Email: [email protected]
TEMENOS,
TEMENOS, The Banking Software Company and TEMENOS T24 are trademarks of TEMENOS HEADQUARTERS SA
TEMENOS T24 is a registered trademark of the TEMENOS Group of companies and is referred to in this advertisement as “T24”

BANKING SOLUTIONS

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