¿A qué esperas para dotar a tus pagos en SAP del más alto nivel de seguridad?

Por José Manuel Martínez Carpintero, Lead Consultant en CONVISTA Consulting Spain

Una reciente encuesta a nivel mundial, dirigida a los departamentos de Tesorería, sobre fraude y los controles llevados a cabo para combatirlo, ha arrojado las siguientes conclusiones:

  • Un 56% de los encuestados han experimentado fraude cibernético o robo de información en los últimos 12 meses.
  • Un 79% de las corporaciones han padecido fraude vía BEC (Business Email Compromise). Este tipo de ataques, generaron unos costes en el ejercicio 2018 por valor de 8.000 millones de euros.
  • El 69% de las empresas utilizan un doble factor de autentificación, a la hora de autorizar transacciones en sus plataformas de pago o ERP.
  • Un 41% de las compañías encriptan información dentro de la red interna y al menos un 39% cifra la información en tránsito.

Si bien estos datos, transmiten cierto grado de concienciación, que, en materia de seguridad, están adoptando las corporaciones a nivel mundial, los mismos, se reducen drásticamente en el ámbito local.

ConVista¿A qué esperas para dotar a tus pagos en SAP del más alto nivel de seguridad?
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Novedades 2019 SEPA SCT: Concepto Ampliado Estructurado

Por Jose Martínez, Lead Consultant en CONVISTA Consulting Spain La llegada de SEPA allá por el 2008 trajo consigo numerosos cambios; tal vez el que más repercusión generó en su momento (migración de la propia norma 34 mediante) fue la reducción de información de concepto en los adeudos SEPA Direct Debit (SEPA DD) pasando de 640 a 140 o la ampliación de los mismos para trasferencias SEPA Credit Transfer (SEPA CT), pasando de 72 caracteres a 140 caracteres. A finales de este año tendremos cambios en lo que respecta al campo concepto en el marco de las transferencias. El ECP (Consejo Europeo de Pagos), ha admitido una de las peticiones recurrentes que llegaban desde otros países europeos perjudicados por la estandarización de este campo.
ConVistaNovedades 2019 SEPA SCT: Concepto Ampliado Estructurado
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Compliance and Reporting Solutions from SAP

by Sarah Feron – Senior Consultant at ConVista Spain


Although the financial crisis already started in 2007/2008, we can still feel its impacts. Regulations to enhance financial stability are getting more and more complex, and new topics are constantly added. The broad spectrum of topics being regulated by many national as well as international authorities is shown in the following overview:


Reporting & Compliance - Regulations
ESA: European Supervisory Authorities
ESMA: European Securities and Markets Authority
EMIR European Market Infrastructure Regulation
AML: Anti-Money Laundering
ESG: Environmental, Social, and Corporate Governance
SOX: Sarbanes-Oxley Act
UCITS: Undertakings for Collective Investment in Transferable Securities
AIFMD: Alternative Investment Fund Managers
IT solutions need to respond to these requirements, dealing with increasing data volume caused by a higher grade of granularity. In addition to that, the data must often be available in real time to respond quickly to critical decisions. It is therefore fundamental to centralize data, aiming to avoid duplications and guarantee data quality and integration in data processing.
When you decide on the “how”, it is often difficult to understand the scope of the software tools needed to cover the legal requirement. SAP offers a wide range of products, so finding the best-fit solution is not always easy and new versions and naming don’t make things simpler. Hence, it makes sense to start off from the generic view and to then dive into detail for each legal block. So let’s have a look at the solutions provided by SAP to respond to the legal landscape shown above:
Reporting & Compliance - SAP Solutions

Basel III (regulated within CRD and CRR in Europe)

So let’s have a look at Basel first. The European Banking Authority (EBA) is introducing EU-wide uniform reporting procedure based on the Capital Requirements Regulation (CRR) and the Capital Requirements Directive (CRD IV), coming into force in all EU member states Since Basel III is based on Basel II architecture, the latter will automatically be included in the solution; therefore, we will only focus on Basel III hereinafter.
Given the fact that Basel III itself contains a huge number of themes by its own, we should have a closer look at the respective SAP solutions. The core issues for the regulation can be summed up to
  • Credit Risk
  • Liquidity Risk
  • Operational Risk
  • Market Risk
  • Capital Risk
Given the three Pillars of the approach, each one will have to be analyzed with a different view:
1)    Compliance with KPIs based on the current situation (Pillar 1)
2)    Internal models of risk evaluation, including future scenarios and stress-tests (Pillar 2) and
3)    The disclosure management of the results to the respective authorities (Pillar 3).
To comply with the whole spectrum of Basel II and Basel III using SAP, you will need to consider the following solutions:
Reporting & Compliance - SAP Solutions

As you can see, to broadly classify the fields listed above:

  • Credit Risk à Credit Risk Analyzer
  • Liquidity Risk à Liquidity Risk Manager/HANA
  • Operational Risk à GRC Risk Management (Processes/Risk Management)
  • Market Risk à Market Risk Management
  • For Reporting and management purposes, the SAP Enterprise Risk Reporting 1 and 2/HANA come into place.
  • Presentation to authorities (EBA, NBAs) can be covered by the SAP Disclosure Management solution (including new xbrl standards).
In Europe, the analytical reporting regarding risk for Basel III is defined by the “COREP” reports. They are covered by SAP Analytical Banking. For external presentation (XBRL format) of the data, the Disclosure Management solution comes into place.
Accounting and Annual Reports

However, disclosure not only implies risk analysis (see above), but also statistics on Balance Sheets and Profit and Loss positions (new!). The reports, within the EU defined by “FINREP”, can also be presented by the Disclosure Management solution. They would fall into the Finance category, and are based on IFRS reporting. In contrast to COREP, the calculation process is not running on the Analytical Banking application from the Bank Analyzer, but its AFI (Accounting for Financial Instruments) component. AFI can also be used for IFRS reporting. An alternative to the Bank Analyzer is SAP ECC/FI.

Fraud and Corporate Governance

Fraud and Governance/Compliance are dealt with within the SAP GRC solution (Governance, Risk & Compliance).
Varouis regulations, such as SOX or Euro-SOX, demand an internal control system to be in place. SAP Process Control enables the management of such a system in almost every aspect, for example policy management or monitoring of manual controls.
As far as Fraud is concerned, Banks have to deal with a wide range of different types of issues. One big block which has gained high importance is Anti-Money Laundering policies, requiring for instantaneous action. SAP Fraud Management, also based on HANA, assures fraud prevention, detection, investigation, as well as its monitoring. It is categorized as a piece of the SAP GRC package. High data volumes can be organized and analyzed efficiently.
SAP Fraud Management  (GRC)
Fraudulent behavior related to internal actions (e.g. Rogue Trading, Wire Transfer Fraud, or Fraudulent Loans) can also be managed by the SAP solution.
Corporative Governance, regulated by Sarbanes–Oxley in the US and by a “EuroSOX” version in Europe is related to fraudulent behavior and therefore also part of SAP GRC.
For reliable management of authorizations, SAP Access Control ensures compliant user provisioning as well as the compliant design of user roles and access risk analysis on various levels. Furthermore, it enables an audit-proof emergency access management.

Securities Legislations

As far as securities are concerned, different topics are to be addressed. Within European regulation, they are regulated by ESMA, which has defined the European Market Infrastructure Regulation (EMIR) as well as the Markets in Financial Instruments Directive (MiFID) and the Undertakings for Collective Investment in Transferable Securities (UCITS)/ Alternative Investment Fund Managers (AIFMD, not yet in force) In the US, these securities topics are covered within the Dodd Frank Act.
As far as EMIR is concerned, you can take advantage of the SAP TRM (Treasury & Risk Management) solution to deal with Central Counterparties for clearing operations. SAP is furthermore currently developing a tool for the upcoming reporting obligation (“Transaction Register”) for EMIR.
If you are a depository bank and need control Investment Banks’ products, you will have to calculate the commissions and the Net Asset Value (NAV) respectively. ConVista has developed a proper tool which will automate that process for you.


Finally, Sustainability in the banking sector falls into the scope of Risk and Compliance. Despite the fact that reporting is voluntary, social pressure and strategic decisions lead to significant growth rates. Sustainability is usually divided into Economic, Social, and Governmental principles. Accordingly, SAP offers different solutions:
Financial Performance Management that is based on KPIs, the following tools come into effect:
  • SAP BusinessObjects
  • Risk Management application
  • SAP GRC (Governance, Risk & Compliance)
  • SAP BA (SAP Bank Analyzer)
If you would like to stress environmental sustainability, SAP EHS (Environment, Health & Safety) will be an appropriate solution. It allows tracking, measuring, and monitoring emissions, and is also able to generate reports for regulatory requirements.
Finally, for social compliance, a sustainable workforce needs to be assured. This can be achieved by deploying SAP ERP HCM (Human Capital Management).


Having analyzed one by one the pile of regulations, we need to keep in mind that the above picture will for sure be a snapshot in time only. Further requirements are just around the corner and existing ones are very likely to be improved. However, despite all the complexity behind it, we could see that the technological solutions are available and actually not that complicated. In the end, it comes down to a selection of products which can indeed be used for several purposes (e.g., GRC for Basel, Fraud, and Sustainability).
ConVistaCompliance and Reporting Solutions from SAP
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Próximo destino: La Haya

SAP Financial Services Summit


ConVista patrocina el SAP Financial Services Summit que se celebra en la ciudad holandesa del 6 al 8 de Mayo.
Sesiones de trabajo, casos de éxito, mejores prácticas y networking servirán para conocer las últimas tendencias en la industria financiera en el área de ventas, servicios, soluciones, desarrollos y ecosistemas entre otros. Este año además, se ha ampliado la comunidad de banca para incluir mercados de capitales, seguros y equipos nuevos como Ariba.
La agenda del evento está compuesta por sesiones impartidas por expertos SAP en torno a diferentes bloques temáticos, como nuevos modelos de negocio, banca minorista y comercial, mercados de capitales, innovación, seguros, gestión del cliente y live demos.  
Si estás pensando asistir al evento, visita nuestro stand y te informaremos sobre nuestros servicios en el área de seguros y banking.
Más información sobre SAP Financial Services Summit en este enlace.
ConVistaPróximo destino: La Haya
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The black box called SAP Bank Analyzer?

by Logan Skibbe – Senior Consultant at ConVista Spain

During the last years the term SAP for Banking has been heard frequently, but hardly perceived when talking about Bank specific applications. However, for more than a year now, it seems that SAP this time really breaks into the Banking Market.

SAP offers a wide and sophisticated range of products to meet the specific needs of the BankingIndustry.
It’s quite easy to get lost in this solution jungle and the common practice of SAP to name and rename their products does not really help. In one tech blog someone even raised the question if the Bank Analyzer “is just too complex to work with”. It is correct that it has dozens of different functionalities and at first sight you might feel swamped, but after a closer look you will see what a powerful and mature tool SAP has created.
Let’s get started with the big picture and then break down and focus on the Bank Analyzer. With BankingServices SAP provides an industry solution that offers a variety of applications covering the whole value chain.
I think most confusion starts with the fact that certain functionalities and even old-established ERP components are suddenly presented as a proper bank specific solution.
So let’s outline first what is really meant by SAP Banking Services. Of course you will find Sales, Accounting or Compliance topics branded as banking products – but these in the end are cross industry solutions. So what is really Bank specific?
The two main blocks that are combined on the Banking platform are Operational Banking (meaning Core or Transactional Banking) and Analytical Banking.
SAP Banking Platform
Maybe this picture is more familiar to you:


SAP Transactional Banking
So for Banking Services, let’s exclude all Business Support Modules and focus on SAP Core Banking Modules:
Contrary to the ERP Solutions SAP-CML and SAP Deposits, the two modules DM/LM are included within the Banking Services Platform with its own runtime environment and full integration from an accounting architecture point of view.
The other Pillar for SAP Banking Services is Analytical Bankingwith its apparently own modules (see picture above). And here is where the drama begins. Does this graphic imply that there is a designated module for Risk, Accounting or Asset/Liability Management? Of course solutions such as Governance, Risk and Compliance (SAP GRC) or Business Objects partly cover these areas, Risk, Regulation and Analytics, but in this case there is a Bank specific Tool which unifies these Business functions within one single Solution – the Bank Analyzer. 
SAP Bank Analyzer
SAP Bank Analyzer provides a modular, service-oriented, integrated finance and risk architecture (IFRA). It supports overall bank controlling by calculating, evaluating, and analyzing financial products.” (Source: SAP). This is the part where the Bank Analyzerlives up to its name – Analyzer. However, in addition, it is also the designated Sub-ledger for Bank specific products, following the approach of a fat Sub-ledger with all transactional detail and a thin General Ledger with aggregated data.
Does Bank Analyzer also equal to Sub-ledger for Banking? Maybe it is this unfortunate naming that puts this powerful tool in the analytical on-top corner and suppresses its real capabilities.
When deep diving on the Bank Analyzer – in expert articles, blogs, service provider offerings or even SAP in-house documentation – you will often find the same spoon-fed descriptions and images, which in my opinion are little concrete and leave this jack of all trades device in the nirvana of functional specifications. To break it down and make this tool tangible, the main application areas for the Bank Analyzerare:   
  • Financial Accounting
  • Management Accounting
  • Profit Management
Risk Management:
  • Credit Risk (Basel II)
  • Asset/Liability Management
  • Limit Management
  • Regulatory Reporting
In the next posts we will get into detail and explain what’s behind each of above mentioned functionalities – for now I just want to give a basic understanding, so this black box loses its mystery.
Let’s also scan and skim the general layer model (next illustration) – or so called Integrated Finance and Risk Architecture (IFRA), which provides a single point of truth and ensures that original data, methods and valuation results are clearly separated.
SAP Bank Analyzer
Let’s focus on the above mentioned core areas Accounting and Risk and their respective Architecture.
Accounting Architecture:
Accounting Architecture SAP Bank Analyzer
Risk Architecture:
Risk Architecture SAP Bank Analyzer


At first sight both figures above might look packed, but they illustrate pretty good the main components of the Bank Analyzer and map the Accounting and Risk functionalities to the respective data layers.
In the Accounting Architecture for example you can follow the data flow, coming from the core systems, such as Deposits or Loans and other source systems, being stored in the Source Data Layer (SDL) as primary objects.
The marked components in light blue in the Process & Methods Layer (PML) are the actual centerpieces, containing the accounting and valuation rules for creating postings, validating and enriching the data.
Via the Results Data Layer (RDL) and the GL Connector within the Analytical Layer, (AL) the financial data is prepared and aggregated before handed over to the General Ledger.
Same scheme applies to the Risk Architecture, whereas the focus here is on Credit Risk and meeting Basel II requirements and other risk related functionalities such as the calculation of a vast number of key figures, stress testing and the Limit Manager.
In the next posts we will see both Architectures and their specific functionalities more in detail.
ConVistaThe black box called SAP Bank Analyzer?
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Reporting & Compliance

Reporting & Compliance
Debido a la crisis financiera, la Unión Europea está llevando a cabo una profunda reestructuración de sus autoridades. En este contexto surgen no solamente requerimientos nuevos para los bancos, sino que también se pretende llevar a cabo la armonización tanto de la normativa, como de su supervisión final a nivel europeo.
Para estos fines es necesaria la implantación de un estándar técnico unificado a nivel internacional, definido por la EBA (European Banking Authority), con el objeto de garantizar la máxima transparencia y permitir la comparación de las entidades.
Debido a que los bancos no informan directamente a la EBA, sino a través de las NBAs (National Banking Authorities), se suponen menores cambios nacionales (del tipo “add ons”) con el fin de cubrir los requerimientos adicionales de las leyes nacionales.
Los datos generados incluyen tanto la CRD IV como la CRR y detallan las especificaciones de Basilea III (COREP), el Reporting Común del Libro de Mayor y las Pérdidas y Ganancias (FINREP) respectivamente.
El lenguaje técnico es XBRL, que se basa en un Data Point Model (DPM) definido por la EBA.
El  Risk Analyzer de SAP Bank Analyzer proporciona el cálculo, análisis y valoración de los productos financieros para obtener los riesgos asociados (market risk, credit risk, y operational risk). Además, permite la ejecución de las pruebas de estrés (stress testing) bajo las condiciones seleccionadas por el usuario. Al mismo tiempo y junto con SAP BW, garantiza la generación de los informes en XBRL (COREP), adaptándose de forma rápida a futuros cambios o nuevos requerimientos.
AFI (“Accounting for Financial Instruments Solution”), que forma parte de SAP Bank Analyzer, está capacitado para llevar a cabo los cálculos y valoraciones de informes del Reporting Común (Informes FINREP, basado en IFRS). 
ConVistaReporting & Compliance
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Increase profitability through Sustainability in Banking?

by Sarah Feron – Senior Consultant at at ConVista Consulting Spain
Sustainability has gained considerable importance for banks since the financial crisis. Once an institution loses the clients trust, it is extremely difficult to regain that client. Environmental, social and governance (ESG) factors are long term opportunities for change, and simultaneously help to improve the financial performance.
It was revealed that, when hearing 1-2 times about a headline of a company that is distrusted, in case of negative information is mostly believed in (57%), whereas only 15% believe the positive information (IMD, 2012):
Customer reaction to information based on trust

The financial sector is not only placed last in a cross industrial comparison, but has even relatively dropped in significantly after financial crisis:

Trust Barometer comparison 2011 to 2012 in selected countries
Given the high competition in the sector, it is crucial for banks to be proactive rather than reactive to retain its clients. Only complying with mandatory regulatory disclosure is not sufficient any more – banks will have to go a step further. 
The motivation for a change is not only driven by an ethical point of view, but also a business one: Several studies have shown that sustainability leads to a better image on the one hand, but on the other hand it has actually a positive impact on the company’s performance: Among others, higher external investments, higher ROI/ROE, less volatile stock prices, improved stakeholder relationships, and greater cross border investments (e.g. M&A), could be observed. In fact, a recent report conducted by GABV (Global Alliance for Banking on Values) revealed that sustainable banks performed 51% better than Globally Systemically Important Financial Institutions (GABV, 2012).


Benefits for Banks
For strategic decisions an additional driver must be taken into account: A substantial number of regulations are currently planned or reviewed by the European Union (involving organizations like EBA, EIOPA,ECB, or FSB), which will make financial reporting disclosure mandatory in the future; however, an anticipated voluntary disclosure can provide a significant competitive advantage. International organizations stressing different approaches already offer reporting tools based on KPIs which guarantee transparency to the client when published accordingly. 
Pendulum between mandatory and optional disclosure
How to proceed
Sustainability distinguishes between three major fields of action: Environmental, Social and Governmental/Compliance (ESG).
Some general considerations
  • Review your product portfolio: What impact would each measure (ESG) have on your stakeholders?
  • Which strategy do you determine for each country, sector or market that you want to enter with the new approach?
  • Define the goals you want to achieve in the short, mid-, and long-run
  • Which official report do you want to generate that best fits your strategy
Management is important:
  • CEO needs to foster policies for customer education and assure easy access to information
  • Train employees to make sure that they are familiar with the new policies and products
  • Track and control the benefits of the taken measures
  • Work hand in hand with regulators to make sure you understand the priorities
  • Integrate the sustainable report in your financial statement
Communication to your customers
  • Policies/Products must be easy to understand (simple recognition, like colors)
  • Count on strategic partners familiar with the material (e.g. NPOs)
  • Clearly separate your sustainable investment products from traditional ones for easy identification
Make your choice: Get active before you are obligated and regain your clients trust now!
ConVista is working with tools to assure sustainable investment:
  • SAP Bank Analyzer
  • SAP Business Warehouse
  • Norkom AML
  • SAP Accounting for Financial Instruments
  • SAP Governance, Risk und Compliance
  • Incentive and Commission Management
  • Human Capital Management
  • Smart Meter
  • Proper Developments of Disclosure Reporting
We can help you pave your way with tailored solutions. We support you prepare and generate standardized and validated reports that best fit your mission.
ConVistaIncrease profitability through Sustainability in Banking?
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Banks are dead. Long live the banks?

by Hans Peter Mohl – Associate Partner at ConVista Consulting Spain

Is the classic development of the banks at a dead end? Has the traditional bank had its day? Is the web taking over parts or entire areas of the value chain of banks? Will Apple, Facebook or Google act as banks in the near future?
In the last weeks I have read some articles regarding trends and the future of banking:
1) Retail banks and their branches:
The number of branches is going down constantly for 20 years (http://de.wikipedia.org/wiki/Bankstellendichte). In the transformation of their delivery channels (Branch vs. ATM vs mobile) the banks have to decide if they will have branches in the future and what will be their role and form (e.g. outlet, cafe, virtual branches, etc). But that is just one additional building block for the industrialization of banking. As the number of banks is also going down, the banks had and have to be ready for M&A or make their testament (as it will be legally required for systemic banks).
2) Retail banking products:
Current accounts, brokerage, credit cards, deposits and loans are the standard products of most banks.  The innovation in retail banking products over the last 20 years was close to 0 (and maybe that was good and should be like this). Literally, the only changes were made in conditions and standardization of products (with or due to IT). But products like crowed sourced loans or funding, reverse mortgage or “Like-Zins” (https://www.fidor.de/produkte/fidorpay/like-zins) are possibilities to innovate or at least differentiate. Moreover, customers like mobile nomads or population that have barely seen a bank need product innovations (e.g. mobile banking in Africa or micro financing in India).
3) The competitors:
It is not clear if the lack of competition among banks, herd instinct or just greed have been the trigger for the financial crisis. But what is surprising, is that in a free market economy a small- or medium-sized company would file for bankruptcy, whereas systemic banks receive subsidies in two-digit billions. Besides other banks (locally and globally) that act globally, the number of new market entrants and non-bank competition increases. I assume that niche player like Bitcoin, Paypal, QRpay, Simple or Square stimulate the market and maybe in a near future will lead to “bankless banking” or be absorbed by traditional banks or new banks (http://english.caixin.com/2012-09-21/100440909.html). Especially concepts of Apple, Google or even Facebook or (mobile) phone companies provide the possibility to survive without a bank account and use your Apple-ID, Gmail-address, Facebook-Account or your phone-number as account-number for transactions. But unlike the banks that survived more than 2000 years, these players have to be successful over the long term or they will end up like AOL, MySpace or Yahoo.
4) The customers and the society:
Our society has always been changing. So it is not a surprise that the new Generation Y has a different understanding of technology and is using it constantly. The text based information from most banking-websites has to compete with the picture and video consumptions nowadays. Customer centricity, Social Media Banking and sustainability are more than buzz words. Additionally to the changing customers and the development of the age structures (http://de.slideshare.net/ashridge/mega-trends-in-retail-banking) the environmental, social and governance challenges are still not taken seriously and therefore will be regulated in the future.
5) The state:
Regulation has a long history to control market failures due to inefficiency, errors and human weaknesses. However, the continued focus and the managing of risk, compliance and security should not liberate us from human logic and do not end in bureaucracy. For sure, we need control over the market and the participants, but not for its own sake and with the consequence that even worst-case scenarios are possible (bankrupt of states or banks). As an example, on one hand the requirements set by the European Banking Authority (EBA) aim  at obtaining higher transparency via a harmonization for one single rulebook in EU, as well as guaranteeing a higher level of protection for the customers on the other hand. This results in a change from a two dimensional report approach to a multidimensional framework. But this seems to be only the first step into a global model (http://thefinanser.co.uk/fsclub/2012/12/risk-is-a-many-splendored-thing.html).
6) Technology:
As IT (and mobile) should and will end in a service or commodity that should lead us in 3 clicks to our objective, I expect this phase of transition to end soon. Ending the stationary area and shifting to mobile devices, the capability of calling, listening, reading, texting, watching, whatsapping, etc is changing the use of our devices and our behaviors (http://www.go-gulf.com/blog/60-seconds/). Our (big) data will be in the cloud (>2,x billion Internet-User / http://www.internetworldstats.com/stats.htm), our payments (contactless, NFC, QRCode, in-app purchases, etc), transactions and banking have to be where we are (mobile). Locations based services combined with sensor-driven enrichment of our data (http://de.slideshare.net/CiscoIBSG/internet-of-things-8470978) will be just a feature in our hassle free environment, that allow us to focus on our curiosity.
Who could be blamed if banks live or die (if there is someone at all)?
A) Them: Classic Banking is not a business model anymore. A new type of bank is bringing back order – and profit – to the digital world.
B) Us: Our behavior using banks has changed considerably. We will use other services as the generations before. A new type of user is bringing back order – and profit – to the classic world.
a) Why Apple, Facebook, Google or others still do not act more like banks?
b) Why banks do not take this need for change seriously?
c) Business + Technology + User = swarm intelligence?
ConVistaBanks are dead. Long live the banks?
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Nuestros servicios de SAP Banking

SAP Banking
Bajo SAP for Banking entendemos todos nuestros servicios relacionados con el sector bancario, principalmente basados en el ámbito SAP.
Aparte de servicios que mayoritariamente son funcionales, como por ejemplo gestión de producto, contabilidad general, Basilea III o legal reporting, la parte tecnológica de SAP for Banking se puede clasificar en las dos categorías siguientes:  


I. Core Banking / Transactional Banking:  
Deposit management
Loans management
Collateral management
II. Analytical Banking – Se centra principalmente en Risk Management y Financial Reporting:
Bank Analyzer
Accounting for Financial Instruments (AFI)
Credit Risk Analyzer (CRA)
Profitability analyzer (PA)
Limit manager
Los módulos SAP relacionados con nuestros servicios de SAP Banking son:


·         SAP Deposit management
·         SAP Loans management
·         SAP Collateral management
·         SAP Payment Engine
·         SAP Business Partner
·         SAP Bank Analyzer
·         SAP BW
·         SAP FS-SR
·         SAP FI
Estos son solo algunos de nuestros servicios y soluciones a alto nivel. Ponte en contacto con nosotros y te informaremos sin compromiso sobre cómo podemos ayudarte.
ConVistaNuestros servicios de SAP Banking
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Armonización de la supervisión del sector bancario en la Unión Europea


La Autoridad Bancaria Europea, EBA (por sus siglas en inglés: “European Banking Authority) fue fundada en 2010 con el fin de optimizar, así como estandarizar, la supervisión del sector bancario en la Unión Europea.
La crisis financiera ha puesto de manifiesto la necesidad no solo de una regulación más detallada y amplia, sino que ha señalado el paso imprescindible hacia una normativa común y estandarizada en la Unión Europea; tanto a nivel funcional como técnico. Dichos cambios legales se engloban dentro del umbral de Basilea III – CRR/CRD IV (Capital Requirements Regulation  y Capital Requirements Directive).
La implantación técnica implica la estandarización de las plantillas a nivel internacional. Para ello es necesario entregar los Estados Oficiales en el estándar XBRL (eXtenible Business Reporting Language). Esta solución permite el cambio de informes a un modelo de datos multidimensional. En España ya se ha realizado el cambio a XBRL para una parte de los informes de supervisión. Asimismo, el EBA ha pedido detallar información funcional en los informes.
Se pueden distinguir entre cuatro bloques temáticos:
  • I COREP: «Guidelines on Common Reporting».  Informes trimestrales que especifican los requerimientos de capital. Detallan ratios de solvencia y la liquidez de los bancos. Aunque el plan de implantación no está aprobado, el EBA ha confirmado que las entidades bancarias tendrán que reportarlos en 2013, posiblemente en varias etapas.
  • II «Large Exposure».  Contienen créditos de gran volumen. Al igual que los informes de COREP, LE’s son trimestrales y han de entregarse en 2013. Cubren información acerca de créditos de gran volumen.
  • III FINREP: «Guidelines on Financial Reporting». Estos informes se dirigen a las entidades que actualmente reportan con estándares  IAS/IFRS. Contienen información del balance general y cuentas de orden. Los informes pueden ser mensuales, trimestrales o anuales. Serán vinculantes para el EBA a partir de 2014
  • IV ICAAP: «Internal Capital Adequacy Assessment». Detallan la capacidad del banco de sostener riesgo y muestran los procedimientos de medición del riesgo. Aún queda pendiente la definición de los hitos y de los detalles de los informes.
Tanto el EBA como Eurofiling están trabajando en confirmar los formatos y contenidos definidos y especificar las definiciones pendientes. Debido a cambios constantes requeridos por las autoridades, es indispensable una política de eficaz y flexible con el fin de afrontar los retos permanentes para cumplir con los nuevos requerimientos legales.
Para más información se pueden consultar los siguientes enlaces:

European Banking Authority

ConVistaArmonización de la supervisión del sector bancario en la Unión Europea
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