Bank of Baroda
Project: Technology Enabled Business Transformation. This was to reach the bank's 25 million customers getting access to banking and financial services anytime, anywhere throughout the world via multiple delivery channels, from Internet banking to call centers, ATMs and transaction kiosks.
The infrastructure will allow the bank to realign the way in which it operates with its external and internal customers and business partners. An enterprise-wide service-oriented architecture was implemented including core banking, phone banking, Internet banking, delivery channel integration, risk and performance management, customer relationship management, data warehousing, global treasury, human resources management system, cheque truncation system and more.

First Horizon
The company operates in 46 states; 13,000 employees.  Various business needs included due diligence on customers as required by Know Your Customer provision of the Patriot Act, required management tools to monitor and measure the performance of third party service providers participating in the process.  SOA based solution was developed that helped automate data collection, quality control, exception handling, and reporting.  Data entry into KYC data store was made easy and a new ability to experiment with ‘what if’ scenarios and model was also provided

Guardian
A commitment to reusability helps the nation's fourth largest insurer cut app dev costs, unlock data from legacy systems, and integrate applications across the Internet.  SOA approach has saved approximately 30 percent of the application-development budget. After 28 months, about 60 services used by three key systems -- benefits plan administration, claims processing, and policyholder administration -- are now in place, as is the basic communications infrastructure. Of those services, about 50 are used by all three systems

Helvetia Patria
Helvetia Patria implemented a centralized Internet-based platform for the insurance industry that links information among its employees, partners and customers across Europe.  According to an independent study by Thoughtware Worldwide, LLC, this helped the company achieve a 201 percent return on investment over a six-year period with its SOA offering. It also reduced e-business IT operational costs by 59 percent(1) while it experienced an internal rate of return of 26 percent.

Synovus Financial
Financial services company Synovus provides commercial and retail banking, as well as investment services. Based on a revenue opportunity, Synovus partnered with NACHA and eWise to be the first financial institution (FI) to create a consumer SVP platform and sponsor merchants to the SVP program. The SVP platform was built to provide the consumer an alternative method to purchase goods and services from merchants and make payments to billers.  The SVP payment method allows consumers to use the trusted FI SVP web site to authorize the funds to be transferred to the merchant or biller using the ACH highway.   The SVP application was built using 19 web services. Of the 19 web services, 10 where reused from previous SOA implementations, one from Metavante for processing payment, three from eWise for switch operations, which leaves five for the Synovus development to build and test. Therefore, the cost and effort from a Synovus IT web service standpoint was 65% cheaper than a project from scratch. The application which was initially developed using a single partner, was also scalable, as Synovus rolled out to all 37 partners within its holding company at no additional project cost, and due to configuration flexibility

AFLAC Inc.
The business needs involved supporting 69,000 independent insurance agents, standardizing communication with 7,000 employees of varying technical sophistication, find data across disjointed set of intranets, and meeting insurance regulations require tight data security.  SOA based solution was implemented that resulted in productivity up 50% and hard costs down $3.2M/year.  Call-center activity also came down by 30%.

Large Retail Bank in US uses SOA for Account Opening Interfaces
Common account opening capabilities: realizing value by sharing information across business lines. One of the largest retail banking organizations in the United States gains a single and common approach to account opening capabilities across different channels, thereby eliminating process redundancy and improving lead management. Furthermore, by reducing the costs and the time spent managing duplicate systems, this company estimates it will realize a return on investment within one year for this project alone.

Standard Bank South Africa
In order to retain customers (who are more demanding and still less loyal), the bank realized it needed to shift from a product focus to a customer centric strategy. But customer information and interaction is distributed across multiple systems.  SOA was used to develop such a customer management system(e.g. cross selling, loyalty management through 360º view on customers). The system reduced processes complexity by referring only to one central source of customer data – “one version of truth”.  It also lent increased stability, adaptiveness and control in changing banking processes

Large Australian bank uses SOA for introducing new products

Australia’s fifth largest bank attained an estimated AUS$20 million in savings by establishing a way to reuse 47 percent of its key business functions. By using a large percentage of some 200 services as many as 12 times across different channels, the bank also significantly improved time to market and reduced complexity

Large Scandinavian bank uses SOA to reduce personal loan origination process from four hours to 10 minutes
Reduced loan origination process from four hours to 10 minutes, improving its ability to effectively compete with Internet-based organizations. The service oriented solution is expected to be implemented in six months and to meet the bank’s investment needs by offering 75 percent reusability in extending loan origination services to its international subsidiaries.

Large European bank uses SOA for addressing compliance and transforms ATM system for competitive advantage.
A large eastern European bank, in the process of transforming itself to comply with the rules and regulations of the European
Union (EU).  SOA was chosen to perform this business transformation.  As a result, the bank   achieved compliance in only six months—oneand- a-half years ahead of schedule—thereby saving 18 months of development and deployment costs.

A top-ten U.S. retail bank uses SOA to replace an outdated online banking system and meet aggressive performance requirements.
The merger of two banks can often result in many redundant systems. This was the case when a top-ten U.S. retail bank merged with another large financial company. After the merger, the organization evaluated its online systems and elected to proceed with a new online banking system.  To achieve this makeover, SOA was chosen as the architectural pattern.  Common services were identified and made available to all stakeholders using web services.  This helped in easy maintanence as well as single source of truth for such services.

Penn National Insurance
Penn National Insurance is a regional property and casualty insurance carrier. Penn National responded to increased competition and dissatisfied independent insurance agents by implementing predictive analytics to enhance pricing precision, and by replacing existing systems to streamline processing. Within two months of rollout to independent agents in Maryland, the company saw a 65% increase in new business quotes from those agents.

ING
ING had a Mortgage product.  It was required to interact with multiple systems in real time - land conveyance, valuations, credit scoring, fraud detection, card and automated payments.  Also the technology platform was based on J2EE, Oracle and Visual Basic.  They needed an architecture which was highly scalable and available without compromising user security.  SOA was chosen and proved to be a good choice.

ING
ING Card [REF-1] has recently delivered a milestone automation solution that has enabled it to link to new Web sites, implement new product features, and maintain credit scoring rules, with unprecedented ease and efficiently. This was achieved by applying three construction principles, the foremost of which was service-orientation. SOA helped to meet the business needs and challenges and of the credit card issuing division.

KBC Group
KBC, a financial services player, is active in banking, insurance and asset management. It aims to achieve high profitability through up scaling.  Up scaling would be realised via merger and acquisition in Central Europe, consolidation and selective outsourcing to India. These were ample reasons to boost its architecture design capability.  SOA was utilized to realize these goals.

Thomson Financial
Thomson Financial, a $1.5 billion USD company with thousands of global customers, needed to consolidate the backend processes of its 40 constituent companies--without reinventing a platform from the ground up.  It used SOA to achieve its targets.

Transamerica Life Insurance
Transamerica has to provide its business partners with real-time access to its numerous legacy back-end systems.  Also, they have to deal with very challenging legislative environment, with Sarbanes-Oxley, the Patriot Act, anti-laundering laws, tax laws, and other types of controls.  As legislation and the competitive environment change, they need to be able to make changes to their internal systems quickly, including changing rules, the ways taxes are calculated, or the way a product functions given specific criteria. At the same time, they often have to customize products and services for each of our different distribution channels. And sometimes they get requests from specific banks or broker dealers to create products for their particular niche markets or new areas they want to compete in.  With all this complexity, Web services and SOA were natural choices for Transamerica. Because they needed a solution that was both tightly integrated and loosely coupled.

Centraal Justitieel Incasso Bureau (CJIB)
CJIB is an independent implementation authority operating under the Dutch Ministry of Justice responsible for administering, collecting and coordinating fines and sanctions. In an environment of changing laws and the CJIB’s ever-expanding range of responsibilities, the CJIB needs a reliable, efficient and, most importantly, flexible IT system that can effectively manage the execution of fines and sanctions.  It therefore chose to adopt a service-oriented architecture (SOA) based on the Oracle E-business Suite (eBS).  This architecture allows the reuse of standard components within the executions of different fines and sanctions by the CJIB. Designing and changing processes will be dramatically simplified and require less programming.

Check out http://soatraining.hpage.com for trainings and free tutorials

Check out http://soatraining.hpage.com for trainings and free tutorials

Cadbury Schweppes
By the late-1990s, Cadbury Schweppes was maintaining 25 different SAP systems. Maintenance was expensive and integration was difficult. Around 2000, the company established a program to move to three regional SAP systems worldwide and standardize processes around those systems. However, the rollout of this solution proved to be difficult and risky.  It then went on to implement a new approach, one based on SOA.  Now, solutions can be designed and developed as components or services. New systems can be deployed in a much more gradual way than they were before.  In essense, Cadbury Schweppes reduced the degree of risk generally associated with large rollouts and established greater flexibility and the ability to adapt more easily and quickly to change

Large automobile manufacturer uses SOA Governance to increase agility
The requirements were to increase customer satisfaction and decrease operation cycle time and flexible systems to meet changing business needs quickly.  SOA based solutions were employed, along with strict SOA governance to ensure a long-term SOA technology roadmap.  Result was well appreciated - customer data duplication reduced and near real time access to vehicle information was provided.  Also, easy partner integration (e.g. Dealer access to vehicle or customer information) was realized.

Corus
The primary objective was to significantly reduce the Total Cost of Ownership of Corus UK’s highly complex legacy IS and IT landscape.  Corus wanted to standardize back-office operational business processes in Finance, Procurement and Plant Maintenance.

Large automobile manufacturer uses SOA to offer Mobile Services
The business requires ubiquitous access to repair information, integration of heterogeneous data source from different OEMs and    Provisioning of services to different User-Groups.  By using SOA solution, interoperability and integration was achieved resulting in   efficiency increase by 10% in the repair process and enabling the company to offer multi-brand repair services

Södra Cell
Södra Cell’s customers wanted access to market information, ability to purchase pulp at fixed prices and access better logistics and IT services. Sharing information seamlessly between customers and Södra Cell was essentially the business objective.  SOA was used to develop a unique solution to allow Södra Cell to own and manage its customers’ paper pulp stocks regardless of the underlying IT infrastructure.  As a result, customers can cut capital tied up in stock by up to a million euros and inventory costs by up to 200,000, annually. Working routines have been greatly simplified for all parties. Customers report that they can cut the administrative time of ordering and stock-keeping by 180–450 hours per year at each paper mill, thanks to automated processes via the portal and message exchange service.

 Check out http://soatraining.hpage.com for trainings and free tutorials

Bank of Baroda
Project: Technology Enabled Business Transformation. This was to reach the bank's 25 million customers getting access to banking and financial services anytime, anywhere throughout the world via multiple delivery channels, from Internet banking to call centers, ATMs and transaction kiosks.
The infrastructure will allow the bank to realign the way in which it operates with its external and internal customers and business partners. An enterprise-wide service-oriented architecture was implemented including core banking, phone banking, Internet banking, delivery channel integration, risk and performance management, customer relationship management, data warehousing, global treasury, human resources management system, cheque truncation system and more.

First Horizon
The company operates in 46 states; 13,000 employees.  Various business needs included due diligence on customers as required by Know Your Customer provision of the Patriot Act, required management tools to monitor and measure the performance of third party service providers participating in the process.  SOA based solution was developed that helped automate data collection, quality control, exception handling, and reporting.  Data entry into KYC data store was made easy and a new ability to experiment with ‘what if’ scenarios and model was also provided

Guardian
A commitment to reusability helps the nation's fourth largest insurer cut app dev costs, unlock data from legacy systems, and integrate applications across the Internet.  SOA approach has saved approximately 30 percent of the application-development budget. After 28 months, about 60 services used by three key systems -- benefits plan administration, claims processing, and policyholder administration -- are now in place, as is the basic communications infrastructure. Of those services, about 50 are used by all three systems

Helvetia Patria
Helvetia Patria implemented a centralized Internet-based platform for the insurance industry that links information among its employees, partners and customers across Europe.  According to an independent study by Thoughtware Worldwide, LLC, this helped the company achieve a 201 percent return on investment over a six-year period with its SOA offering. It also reduced e-business IT operational costs by 59 percent(1) while it experienced an internal rate of return of 26 percent.

Synovus Financial
Financial services company Synovus provides commercial and retail banking, as well as investment services. Based on a revenue opportunity, Synovus partnered with NACHA and eWise to be the first financial institution (FI) to create a consumer SVP platform and sponsor merchants to the SVP program. The SVP platform was built to provide the consumer an alternative method to purchase goods and services from merchants and make payments to billers.  The SVP payment method allows consumers to use the trusted FI SVP web site to authorize the funds to be transferred to the merchant or biller using the ACH highway.   The SVP application was built using 19 web services. Of the 19 web services, 10 where reused from previous SOA implementations, one from Metavante for processing payment, three from eWise for switch operations, which leaves five for the Synovus development to build and test. Therefore, the cost and effort from a Synovus IT web service standpoint was 65% cheaper than a project from scratch. The application which was initially developed using a single partner, was also scalable, as Synovus rolled out to all 37 partners within its holding company at no additional project cost, and due to configuration flexibility

AFLAC Inc.
The business needs involved supporting 69,000 independent insurance agents, standardizing communication with 7,000 employees of varying technical sophistication, find data across disjointed set of intranets, and meeting insurance regulations require tight data security.  SOA based solution was implemented that resulted in productivity up 50% and hard costs down $3.2M/year.  Call-center activity also came down by 30%.

Large Retail Bank in US uses SOA for Account Opening Interfaces
Common account opening capabilities: realizing value by sharing information across business lines. One of the largest retail banking organizations in the United States gains a single and common approach to account opening capabilities across different channels, thereby eliminating process redundancy and improving lead management. Furthermore, by reducing the costs and the time spent managing duplicate systems, this company estimates it will realize a return on investment within one year for this project alone.

Standard Bank South Africa
In order to retain customers (who are more demanding and still less loyal), the bank realized it needed to shift from a product focus to a customer centric strategy. But customer information and interaction is distributed across multiple systems.  SOA was used to develop such a customer management system(e.g. cross selling, loyalty management through 360º view on customers). The system reduced processes complexity by referring only to one central source of customer data – “one version of truth”.  It also lent increased stability, adaptiveness and control in changing banking processes

Large Australian bank uses SOA for introducing new products

Australia’s fifth largest bank attained an estimated AUS$20 million in savings by establishing a way to reuse 47 percent of its key business functions. By using a large percentage of some 200 services as many as 12 times across different channels, the bank also significantly improved time to market and reduced complexity

Large Scandinavian bank uses SOA to reduce personal loan origination process from four hours to 10 minutes
Reduced loan origination process from four hours to 10 minutes, improving its ability to effectively compete with Internet-based organizations. The service oriented solution is expected to be implemented in six months and to meet the bank’s investment needs by offering 75 percent reusability in extending loan origination services to its international subsidiaries.

Large European bank uses SOA for addressing compliance and transforms ATM system for competitive advantage.
A large eastern European bank, in the process of transforming itself to comply with the rules and regulations of the European
Union (EU), achieves compliance in only six months—oneand- a-half years ahead of schedule—thereby saving 18 months of development and deployment costs.

A top-ten U.S. retail bank uses SOA to replace an outdated online banking system and meet aggressive performance requirements.
The merger of two banks can often result in many redundant systems. This was the case when a top-ten U.S. retail bank merged with another large financial company. After the merger, the organization evaluated its online systems and elected to proceed with a new online banking system.

Penn National Insurance
Penn National Insurance is a regional property and casualty insurance carrier. Penn National responded to increased competition and dissatisfied independent insurance agents by implementing predictive analytics to enhance pricing precision, and by replacing existing systems to streamline processing. Within two months of rollout to independent agents in Maryland, the company saw a 65% increase in new business quotes from those agents.

ING
ING had a Mortgage product.  It was required to interact with multiple systems in real time - land conveyance, valuations, credit scoring, fraud detection, card and automated payments.  Also the technology platform was based on J2EE, Oracle and Visual Basic.  They needed an architecture which was highly scalable and available without compromising user security

ING
ING Card [REF-1] has recently delivered a milestone automation solution that has enabled it to link to new Web sites, implement new product features, and maintain credit scoring rules, with unprecedented ease and efficiently. This was achieved by applying three construction principles, the foremost of which was service-orientation. This case study describes the application and explains how SOA helped to meet the business needs and challenges and of the credit card issuing division of a major financial institution.

KBC Group
KBC, a financial services player, is active in banking, insurance and asset management. It aims to achieve high profitability through up scaling.  Up scaling would be realised via merger and acquisition in Central Europe, consolidation and selective outsourcing to India. These were ample reasons to boost its architecture design capability.

Thomson Financial
Thomson Financial, a $1.5 billion USD company with thousands of global customers, needed to consolidate the backend processes of its 40 constituent companies--without reinventing a platform from the ground up

Transamerica Life Insurance
Transamerica has to provide its business partners with real-time access to its numerous legacy back-end systems.  Also, they have to deal with very challenging legislative environment, with Sarbanes-Oxley, the Patriot Act, anti-laundering laws, tax laws, and other types of controls.  As legislation and the competitive environment change, they need to be able to make changes to their internal systems quickly, including changing rules, the ways taxes are calculated, or the way a product functions given specific criteria. At the same time, they often have to customize products and services for each of our different distribution channels. And sometimes they get requests from specific banks or broker dealers to create products for their particular niche markets or new areas they want to compete in.  With all this complexity, Web services and SOA were natural choices for Transamerica. Because they needed a solution that was both tightly integrated and loosely coupled.

Centraal Justitieel Incasso Bureau (CJIB)
CJIB is an independent implementation authority operating under the Dutch Ministry of Justice responsible for administering, collecting and coordinating fines and sanctions. In an environment of changing laws and the CJIB’s ever-expanding range of responsibilities, the CJIB needs a reliable, efficient and, most importantly, flexible IT system that can effectively manage the execution of fines and sanctions.  It therefore chose to adopt a service-oriented architecture (SOA) based on the Oracle E-business Suite (eBS).  This architecture allows the reuse of standard components within the executions of different fines and sanctions by the CJIB. Designing and changing processes will be dramatically simplified and require less programming.

Check out http://soatraining.hpage.com for trainings and free tutorials

Check out http://soatraining.hpage.com for trainings and free tutorials

Cadbury Schweppes
By the late-1990s, Cadbury Schweppes was maintaining 25 different SAP systems. Maintenance was expensive and integration was difficult. Around 2000, the company established a program to move to three regional SAP systems worldwide and standardize processes around those systems. However, the rollout of this solution proved to be difficult and risky.  It then went on to implement a new approach, one based on SOA.  Now, solutions can be designed and developed as components or services. New systems can be deployed in a much more gradual way than they were before.  In essense, Cadbury Schweppes reduced the degree of risk generally associated with large rollouts and established greater flexibility and the ability to adapt more easily and quickly to change

Large automobile manufacturer uses SOA Governance to increase agility
The requirements were to increase customer satisfaction and decrease operation cycle time and flexible systems to meet changing business needs quickly.  SOA based solutions were employed, along with strict SOA governance to ensure a long-term SOA technology roadmap.  Result was well appreciated - customer data duplication reduced and near real time access to vehicle information was provided.  Also, easy partner integration (e.g. Dealer access to vehicle or customer information) was realized.

Corus
The primary objective was to significantly reduce the Total Cost of Ownership of Corus UK’s highly complex legacy IS and IT landscape.  Corus wanted to standardize back-office operational business processes in Finance, Procurement and Plant Maintenance.
Large automobile manufacturer uses SOA to offer Mobile Services
The business requires ubiquitous access to repair information, integration of heterogeneous data source from different OEMs and    Provisioning of services to different User-Groups.  By using SOA solution, interoperability and integration was achieved resulting in   efficiency increase by 10% in the repair process and enabling the company to offer multi-brand repair services

Södra Cell
Södra Cell’s customers wanted access to market information, ability to purchase pulp at fixed prices and access better logistics and IT services. Sharing information seamlessly between customers and Södra Cell was essentially the business objective.  SOA was used to develop a unique solution to allow Södra Cell to own and manage its customers’ paper pulp stocks regardless of the underlying IT infrastructure.  As a result, customers can cut capital tied up in stock by up to a million euros and inventory costs by up to 200,000, annually. Working routines have been greatly simplified for all parties. Customers report that they can cut the administrative time of ordering and stock-keeping by 180–450 hours per year at each paper mill, thanks to automated processes via the portal and message exchange service.

 Check out http://soatraining.hpage.com for trainings and free tutorials

Applications that you want to integrate using Oracle BPEL or Oracle ESB are likely use different values to represent the same information. For example, one application might represent a state with the long name (California) while another application may represent the state with an abbreviation (CA). A domain-value map enables you to associate values from one application with values from another.

The document below presents a demo application where we read student data from file and insert into DB.  The student data mentions gender as 'male' or 'female'.  However, if student is male, we want to insert M, else F in the database.  This conversion (or mapping) shall be performed using the DVM. 

Using DVM

The advantage of DVM is that it is maintained as a hashmap in server memory.  So access is very fast compared to any other solution like storing the mapping in a database table. 

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Check out http://soatraining.hpage.com for trainings and free tutorials

Large automobile manufacturer uses SOA Governance to increase agility
The requirements were to increase customer satisfaction and decrease operation cycle time and flexible systems to meet changing business needs quickly.  SOA based solutions were employed, along with strict SOA governance to ensure a long-term SOA technology roadmap.  Result was well appreciated - customer data duplication reduced and near real time access to vehicle information was provided.  Also, easy partner integration (e.g. Dealer access to vehicle or customer information) was realized.

Corus
The primary objective was to significantly reduce the Total Cost of Ownership of Corus UK’s highly complex legacy IS and IT landscape.  Corus wanted to standardize back-office operational business processes in Finance, Procurement and Plant Maintenance.
Large automobile manufacturer uses SOA to offer Mobile Services
The business requires ubiquitous access to repair information, integration of heterogeneous data source from different OEMs and    Provisioning of services to different User-Groups.  By using SOA solution, interoperability and integration was achieved resulting in   efficiency increase by 10% in the repair process and enabling the company to offer multi-brand repair services

Södra Cell
Södra Cell’s customers wanted access to market information, ability to purchase pulp at fixed prices and access better logistics and IT services. Sharing information seamlessly between customers and Södra Cell was essentially the business objective.  SOA was used to develop a unique solution to allow Södra Cell to own and manage its customers’ paper pulp stocks regardless of the underlying IT infrastructure.  As a result, customers can cut capital tied up in stock by up to a million euros and inventory costs by up to 200,000, annually. Working routines have been greatly simplified for all parties. Customers report that they can cut the administrative time of ordering and stock-keeping by 180–450 hours per year at each paper mill, thanks to automated processes via the portal and message exchange service.

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Check out http://soatraining.hpage.com for trainings and free tutorials

Bank of Baroda
Project: Technology Enabled Business Transformation. This was to reach the bank's 25 million customers getting access to banking and financial services anytime, anywhere throughout the world via multiple delivery channels, from Internet banking to call centers, ATMs and transaction kiosks.
The infrastructure will allow the bank to realign the way in which it operates with its external and internal customers and business partners. An enterprise-wide service-oriented architecture was implemented including core banking, phone banking, Internet banking, delivery channel integration, risk and performance management, customer relationship management, data warehousing, global treasury, human resources management system, cheque truncation system and more.

First Horizon
The company operates in 46 states; 13,000 employees.  Various business needs included due diligence on customers as required by Know Your Customer provision of the Patriot Act, required management tools to monitor and measure the performance of third party service providers participating in the process.  SOA based solution was developed that helped automate data collection, quality control, exception handling, and reporting.  Data entry into KYC data store was made easy and a new ability to experiment with ‘what if’ scenarios and model was also provided

Guardian
A commitment to reusability helps the nation's fourth largest insurer cut app dev costs, unlock data from legacy systems, and integrate applications across the Internet.  SOA approach has saved approximately 30 percent of the application-development budget. After 28 months, about 60 services used by three key systems -- benefits plan administration, claims processing, and policyholder administration -- are now in place, as is the basic communications infrastructure. Of those services, about 50 are used by all three systems

Helvetia Patria
Helvetia Patria implemented a centralized Internet-based platform for the insurance industry that links information among its employees, partners and customers across Europe.  According to an independent study by Thoughtware Worldwide, LLC, this helped the company achieve a 201 percent return on investment over a six-year period with its SOA offering. It also reduced e-business IT operational costs by 59 percent(1) while it experienced an internal rate of return of 26 percent.

Synovus Financial
Financial services company Synovus provides commercial and retail banking, as well as investment services. Based on a revenue opportunity, Synovus partnered with NACHA and eWise to be the first financial institution (FI) to create a consumer SVP platform and sponsor merchants to the SVP program. The SVP platform was built to provide the consumer an alternative method to purchase goods and services from merchants and make payments to billers.  The SVP payment method allows consumers to use the trusted FI SVP web site to authorize the funds to be transferred to the merchant or biller using the ACH highway.   The SVP application was built using 19 web services. Of the 19 web services, 10 where reused from previous SOA implementations, one from Metavante for processing payment, three from eWise for switch operations, which leaves five for the Synovus development to build and test. Therefore, the cost and effort from a Synovus IT web service standpoint was 65% cheaper than a project from scratch. The application which was initially developed using a single partner, was also scalable, as Synovus rolled out to all 37 partners within its holding company at no additional project cost, and due to configuration flexibility
AFLAC Inc.
The business needs involved supporting 69,000 independent insurance agents, standardizing communication with 7,000 employees of varying technical sophistication, find data across disjointed set of intranets, and meeting insurance regulations require tight data security.  SOA based solution was implemented that resulted in productivity up 50% and hard costs down $3.2M/year.  Call-center activity also came down by 30%.
Large Retail Bank in US uses SOA for Account Opening Interfaces
Common account opening capabilities: realizing value by sharing information across business lines. One of the largest retail banking organizations in the United States gains a single and common approach to account opening capabilities across different channels, thereby eliminating process redundancy and improving lead management. Furthermore, by reducing the costs and the time spent managing duplicate systems, this company estimates it will realize a return on investment within one year for this project alone.
Standard Bank South Africa
In order to retain customers (who are more demanding and still less loyal), the bank realized it needed to shift from a product focus to a customer centric strategy. But customer information and interaction is distributed across multiple systems.  SOA was used to develop such a customer management system(e.g. cross selling, loyalty management through 360º view on customers). The system reduced processes complexity by referring only to one central source of customer data – “one version of truth”.  It also lent increased stability, adaptiveness and control in changing banking processes

Large Australian bank uses SOA for introducing new products

Australia’s fifth largest bank attained an estimated AUS$20 million in savings by establishing a way to reuse 47 percent of its key business functions. By using a large percentage of some 200 services as many as 12 times across different channels, the bank also significantly improved time to market and reduced complexity

Large Scandinavian bank uses SOA to reduce personal loan origination process from four hours to 10 minutes

Reduced loan origination process from four hours to 10 minutes, improving its ability to effectively compete with Internet-based organizations. The service oriented solution is expected to be implemented in six months and to meet the bank’s investment needs by offering 75 percent reusability in extending loan origination services to its international subsidiaries.

Large European bank uses SOA for addressing compliance and transforms ATM system for competitive advantage.

A large eastern European bank, in the process of transforming itself to comply with the rules and regulations of the European
Union (EU), achieves compliance in only six months—oneand- a-half years ahead of schedule—thereby saving 18 months of development and deployment costs.

A top-ten U.S. retail bank uses SOA to replace an outdated online banking system and meet aggressive performance requirements.
The merger of two banks can often result in many redundant systems. This was the case when a top-ten U.S. retail bank merged with another large financial company. After the merger, the organization evaluated its online systems and elected to proceed with a new online banking system.

Penn National Insurance
Penn National Insurance is a regional property and casualty insurance carrier. Penn National responded to increased competition and dissatisfied independent insurance agents by implementing predictive analytics to enhance pricing precision, and by replacing existing systems to streamline processing. Within two months of rollout to independent agents in Maryland, the company saw a 65% increase in new business quotes from those agents.

ING
ING had a Mortgage product.  It was required to interact with multiple systems in real time - land conveyance, valuations, credit scoring, fraud detection, card and automated payments.  Also the technology platform was based on J2EE, Oracle and Visual Basic.  They needed an architecture which was highly scalable and available without compromising user security

ING
ING Card [REF-1] has recently delivered a milestone automation solution that has enabled it to link to new Web sites, implement new product features, and maintain credit scoring rules, with unprecedented ease and efficiently. This was achieved by applying three construction principles, the foremost of which was service-orientation. This case study describes the application and explains how SOA helped to meet the business needs and challenges and of the credit card issuing division of a major financial institution.

KBC Group
KBC, a financial services player, is active in banking, insurance and asset management. It aims to achieve high profitability through up scaling.  Up scaling would be realised via merger and acquisition in Central Europe, consolidation and selective outsourcing to India. These were ample reasons to boost its architecture design capability.

Thomson Financial
Thomson Financial, a $1.5 billion USD company with thousands of global customers, needed to consolidate the backend processes of its 40 constituent companies--without reinventing a platform from the ground up

Transamerica Life Insurance
Transamerica has to provide its business partners with real-time access to its numerous legacy back-end systems.  Also, they have to deal with very challenging legislative environment, with Sarbanes-Oxley, the Patriot Act, anti-laundering laws, tax laws, and other types of controls.  As legislation and the competitive environment change, they need to be able to make changes to their internal systems quickly, including changing rules, the ways taxes are calculated, or the way a product functions given specific criteria. At the same time, they often have to customize products and services for each of our different distribution channels. And sometimes they get requests from specific banks or broker dealers to create products for their particular niche markets or new areas they want to compete in.  With all this complexity, Web services and SOA were natural choices for Transamerica. Because they needed a solution that was both tightly integrated and loosely coupled.
Centraal Justitieel Incasso Bureau (CJIB)
CJIB is an independent implementation authority operating under the Dutch Ministry of Justice responsible for administering, collecting and coordinating fines and sanctions. In an environment of changing laws and the CJIB’s ever-expanding range of responsibilities, the CJIB needs a reliable, efficient and, most importantly, flexible IT system that can effectively manage the execution of fines and sanctions.  It therefore chose to adopt a service-oriented architecture (SOA) based on the Oracle E-business Suite (eBS).  This architecture allows the reuse of standard components within the executions of different fines and sanctions by the CJIB. Designing and changing processes will be dramatically simplified and require less programming.

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