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© 2014 IBM Corporation

What's in Your (e)Wallet? Transforming Payments and Transactional Capabilities

Peter Eeles – WW Sales Executive

Bruce Baron – WW Solutions Lead

Please note: Legal Disclaimer IBM’s statements regarding its plans, directions, and intent are subject to change

or withdrawal without notice at IBM’s sole discretion.

Information regarding potential future products is intended to outline our general

product direction and it should not be relied on in making a purchasing decision.

The information mentioned regarding potential future products is not a commitment,

promise, or legal obligation to deliver any material, code or functionality.

Information about potential future products may not be incorporated into any

contract. The development, release, and timing of any future features or

functionality described for our products remains at our sole discretion.

Performance is based on measurements and projections using standard IBM

benchmarks in a controlled environment. The actual throughput or performance

that any user will experience will vary depending upon many factors, including

considerations such as the amount of multiprogramming in the user’s job stream,

the I/O configuration, the storage configuration, and the workload processed.

Therefore, no assurance can be given that an individual user will achieve results

similar to those stated here.

2

Please note: Business Disclaimer

Agenda

1

4

Where are we today

Banking Issues in the payments space 2

Applying DevOps to payments

5 Summary

3 Why DevOps can help

4 4

Mobile

33% of clients

primarily use mobile

banking; usage

growing >9% a year

Intelligent/

Connected Systems

100’s of integrations connect every bank with

the ecosystem

Big Data

521 Million credit/debit transactions

take place every day

Cloud

77% of US banks using or

planning to use cloud; security and availability concerns

Instrumented Products

7.9 million U.S.

consumers have adopted a consumer-facing NFC-compatible system like "Google Wallet"

Social Business

>60M US households will

conduct P2P payments by 2014; while only 17 percent of banks currently offer it

Disruptive technologies and market shifts are fundamentally changing how

much our clients rely on software to innovate and compete

“A big opportunity for us lies in establishing new business models and new digital

services. We’re investing in digital wallets, digital goods and mobile banking.” Enrico Lardelli, CIO, PostFinance, Switzerland

Software

Delivery

Bank 3.0

"Banking is no longer somewhere you go, but something you do”

"Always banking, never at a bank”

"Banking in necessary, but banks are not" [Bill Gates]

Branch

Banking

Online

Banking

Bank 3.0

Years till 50 million users

From Bank 3.0 – Brett King

Agenda

1

4

Where are we today



5 Summary


The business model will become more complex with many new players

Mature and emerging markets will have different solutions

Technology is an enabler of the transformation

Consumers will be in control, not the payment companies or telco‟s

Social networks will be an important part of the marketplace

Change will be evolutionary

Traditional brick & mortar retailers and ecommerce merchants solutions will converge

Mobile payments will a part of a bigger ecosystem, Smarter Commerce

Payments transaction competition will at the point of transaction initiation, not necessarily when an account is opened

Future competition will focus on wallet share

Security is a key component to build trusted mobile services

Mobile revolution

Social media explosion

Hyper digitization

The power of analytics

Source: IBV Analysis

The Payments Business in 2015 to 2020

Mobile and social media revolution, combined with data explosion and

new analytics capabilities are driving change in retail payments

At the cash register..... Retail banks are facing competitive

threats from new disruptors

• The traditional relationship between the bank and the customer is being threatened across various

fronts. As a result banks are losing the opportunity to cross sell or up-sell products and services

• There is the risk of supplanting banks by building relationships with customers in one area, like

payments, and expanding into the traditional retail banking space (e.g., savings and deposits)

Personal Financial Management (PFM)

Budgeting, Saving goals,

spending analysis tools

Mobile Payment

Making or receiving

payments via mobile

devices

Mobile Commerce

Sourcing, marketing,

buying, selling and

transactions via mobile

devices.

Mobile First Banking

Streamlined products

and services

Mobile Ecosystem

Agile „non-banks‟ are entering the mobile money ecosystem with leaner customer-centric offerings

Who is going to win? .... Driving the need for speed in experimentation and innovation

Liquidity

Validation

Ledger

Update

Anti-Money

Laundering

Account

Validation

& Nostro

Customers

Partners

Regulators

3rd Party Service

Providers

And Behind Closed Doors…. Lack of an enterprise approach drives High Maintenance Costs; Starving

New Project Budgets

These Complexities Drive Cost And Make Solution Implementation More Difficult

“The payments business constitutes

up to 35% of revenues and 40% of

costs for banks” Boston Consulting Group

Estimating impact of new innovations and

reducing overinvestment (MVP)

High degree of coordination with 3rd parties

Hard-coded links between applications

Heavily dependant on legacy technology

Duplicate systems and redundant processes

High degree of manual intervention in processes

Agenda

1

4

Where are we today



5 Summary


Consumers are in the driver seat in regards to technology

decisions, and many are running to keep up

―Simply put: If you aren’t introducing

innovations into the customer

experience at the same rate at which

customers are adopting these new

technologies, you are at a considerable

disadvantage and risk losing your

customers as more agile intermediaries and

third party capture the benefit of the

innovation.”

Customer Adoption: 4 –

6 mo

IT ability to respond 12-24 months

“For those of you who are thinking your organization needs to watch the ROI to be

determined first or that maybe you‟ll be a fast follower think of this: If it takes just months

now for new emergent technologies to insert themselves into the mainstream and

change behavior, and if you’ve got a 12-24 month development and deployment cycle

(typical of most banks' IT departments) – you’ll be at least three to four years behind if

you want to wait to see someone else’s ROI demonstrated before you commit.

Three to four years is the time it took Facebook to go from nowhere to a half billion

users.‖

Wait to see the ROI

(6-12 months

Payments, especially digital wallets, represent a complex

system of interaction, crossing multiple industries

Payment service

Provider

(Issuing Bank)

Payment

schemes &

certification

POS terminal

manufacturer

Card

processor

Personali-

zation

bureau

Solution

vendors

(SP-TSM)

Co-branding

partner

Payment service

Provider

(Issuing Bank)

Payment

schemes &

certification

Payment

schemes &

certification

POS terminal

manufacturer

POS terminal

manufacturer

Card

processor

Card

processor

Personali-

zation

bureau

Personali-

zation

bureau

Solution

vendors

(SP-TSM)

Solution

vendors

(SP-TSM)

Co-branding

partner

Co-branding

partner

Mobile wallet

owner/brand

(MNO)

Device

manufacturer

Mobile OS

provider

Standardi-

zation bodies

(GSMA, GP)UICC

manufacturer

Solution

vendors

(MNO-TSM)

Mobile wallet

owner/brand

(MNO)

Device

manufacturer

Device

manufacturer

Mobile OS

provider

Mobile OS

provider

Standardi-

zation bodies

(GSMA, GP)

Standardi-

zation bodies

(GSMA, GP)UICC

manufacturer

UICC

manufacturer

Solution

vendors

(MNO-TSM)

Solution

vendors

(MNO-TSM)

RetailerAcquirer

Bank

Acquirer

Bank

PSPPSP

Key Topics Standardization

Business models & costs

Security

Usability

Customer Care

Usage patterns

Marketing

Availability & acceptance

Infrastructure

KPIs & SLAs

Integration (Processes & IT)

Couponing

Service

Provider

Couponing

Service

Provider

Loyalty

Service

Provider

Loyalty

Service

Provider

Cashier

System

provider

Integration &

Transformation

• Manage all types of code from JavaScript

to COBOL – mobile to mainframe

• Try Instant-on, self-serve development

capabilities available at jazzhub.com and

through the BlueMix beta

• Accelerate agile adoption on the

mainframe

• Integrate existing SCM and deployment

tools, e.g. ChangeMan and Endevor

• Use enhanced Lifecycle Integration

Adapters to leverage third-party tools

Maximize team productivity

16

Rational Team Concert

Rational Requirements Composer

Rational Quality Manager

DevOps Services (JazzHub) for IBM Cloud Platform

ARCAD Pack for Rational for IBM i

New

New

Open Lifecycle and Service Management Integration Platform

Collaborative Development

Rational Requirements

Composer

Rational Quality

Manager

DevOps Services (JazzHub)


Developer

Architect Quality

Professional

Deployment

Engineer

Engineer

Analyst

Speed requires that we break down silos by moving to an

Agile team environment that supports multi-platforms

17

IBM DevOps accelerates enterprise software delivery to help

steer investments to most efficient and effective platforms

Bottom Line: DevOps supports our financial services clients

business success

18 18 18 DRAFT: IBM Confidential until June 2, 2013 18

“We’ve achieved a 1600% increase

in delivery velocity, in 7 months,

using a DevOps approach.”

John Kosco

Director of IT Operations

“Root cause analysis used

to average 45 minutes.

Now it takes only 5 minutes.”

Syed Asif Shah

Chief Information Officer

“Now we test new business

capabilities in the same iteration

that we’re doing the development –

a great breakthrough, in terms

of productivity and quality.”

Carmen D‟Ardo

Director, Application Development Leader

“Fidelity’s application release process

has been fully automated with uDeploy.

Applications that took days to release

now take just an hour!”

Tony Green

Technology Architecture and Engineering

Leading

Credit

Card

provider

“30-50% worldwide payment

transactions are done online….

Now we have the ability to monitor

the applications in a way that had

never been done before.”

Jason Meiers

Staff Systems Planning Engineer

“Our costs are flat, even though our

demand has increased by about 30 to 35

percent. We’re doing more with the

same amount of resources,”

Frank Fabian

head of testing environments, delivery services,

ANZ technology

Bottom Line: DevOps supports our financial services clients

business success

19 19 19 DRAFT: IBM Confidential until June 2, 2013 19

“We’ve achieved a 1600% increase

in delivery velocity, in 7 months,

using a DevOps approach.”

John Kosco

Director of IT Operations

“Root cause analysis used

to average 45 minutes.

Now it takes only 5 minutes.”

Syed Asif Shah

Chief Information Officer

“Now we test new business

capabilities in the same iteration

that we’re doing the development –

a great breakthrough, in terms

of productivity and quality.”

Carmen D‟Ardo

Director, Application Development Leader

“Fidelity’s application release process

has been fully automated with uDeploy.

Applications that took days to release

now take just an hour!”

Tony Green

Technology Architecture and Engineering

Leading

Credit

Card

provider

“30-50% worldwide payment

transactions are done online….

Now we have the ability to monitor

the applications in a way that had

never been done before.”

Jason Meiers

Staff Systems Planning Engineer

“Our costs are flat, even though our

demand has increased by about 30 to 35

percent. We’re doing more with the

same amount of resources,”

Frank Fabian

head of testing environments, delivery services,

ANZ technology

A Forrester study on the Economic Impact of Rational Development and

Delivery tools measured several development teams and found that the

group went from delivering 10 projects in Year 1 before implementing

Rational, to 20 projects in Year 2, to 30 projects in Year 3

-- all without having to add additional developer headcount.

And the developers were happier, less stressed, and had a greater feeling of

accomplishment.

Agenda

1

4

Where are we today



5 Summary


Why Enterprise DevOps for Payments Innovation

21

Clients racing to deploy mobile capabilities (mobile

banking, P2P, NFC, etc) without solving the complex

integration needs are finding disconnection with web and

infrastructure

Core banking is still the heart of delivering next-

generation payments, credit and product servicing. More

frequent batching schedules and duplicative datastores

are becoming complicated to rationalize

Web-services still lie at the heart of banks Omni-channel

strategies to align clients with operations, but the

explosion of standards has made testing and change

management difficult to keep up with.

Mobilize

Digitize

Modernize

Mobilize

Systems of Record

Develop Test Release

Rapid deployments

Production

Environment

AppStore

Integration Develop Test

Frequent deployments

Few deployments

Release

Transactional systems or

packaged apps

DevOps Collaborative Development solutions for the Enterprise Carefully coordinating activities across multi-tier app delivery moving at different paces so

clients can Modernize, Digitize and Mobilize in alignment with client needs

Digitize

Modernize

Systems of Engagement

Develop Test

Why Enterprise DevOps for Collaborative

Development?

23




infrastructure









Mobilize

Digitize

Modernize

24

At the core, age-old banking systems fuel growth and

profitability, when managed correctly

Systems of Record Systems of Engagement

“A large UK bank initiated its APM effort to take a 90:10 ratio for run-the-bank / grow-the-bank down

to a more reasonable 40:60 ratio. Dell shifted its maintenance-to-innovation ratio from 80:20 to 50:50.” – The Application Portfolio Management Landscape — Combine Process And Tools To Tame The Beast

Phil Murphy, Forrester Research, Inc. April 15, 2011

Replace

Extend Core

Renovate

Architecturall

y Transform

Re-Build / Re-

Write

Support renovation, extension and develop automated

services without impacting core operations and capacity

Note: This Program is licensed only for development and test of applications that run on IBM z/OS. The Program may not be used to run production workloads of any kind, nor more robust development workloads including without limitation production module builds, pre-production testing, stress testing, or performance testing.

• Liberate development to rapidly prototype

new applications and services

• Develop and test System z applications

anywhere, anytime

• Free up mainframe development MIPS for

production workload

• Eliminate costly delays by reducing

burden on existing IT operations staff

• Exploit the latest middleware, including

CICS, IMS, and WebSphere

Improve development flexibility

New

RDz & ISPF

RDz

Rational Development and Test Environment for

System z

Compilers Continuous Testing

Develop Transaction Services from existing components

• Create payment services from existing mainframe assets

• Accelerate business rule changes from weeks/months to

days/weeks

• Accelerate agile adoption on the mainframe

• Use Lifecycle integration adapters for third-party tools

Continuous Testing for Legacy Payments Components

• Develop and test System z applications anywhere,

anytime

• Free up mainframe development MIPS for production

workload

• Run automated tests to validate builds (CICS, IMS)

• Create test automaton of native and hybrid mobile and

mainframe applications

Deploy quickly to Omni-channel Targets

• Provision consistent images for test environments,

reduce rework, and speed redeploy of new instances

• Deploy multiple test instances in minutes versus days

• Accelerate deployment of new CICS workloads

Rational Developer for the Enterprise

Rational Development and Test Environment for

System z

Integrated Solution for System z Development

Rational Test Workbench

IBM UrbanCode Deploy

IBM UrbanCode Release

IBM CICS Tools family

One of the worlds largest Investment firms

uses IBM Rational Developer for System

z, V8.0.2 software in its systems-

development lifecycle as a solution for

web services design and development

and to support use of the Eclipse platform.

The company's internal development team

uses the solution to create, deploy and

maintain traditional transactional

applications.

Modernize Core Platforms to extend investments and support

new growth Payment activities must integrate with systems of record that banks

continue to leverage to manage credit, capital and risk management

27




infrastructure









Mobilize

Digitize

Modernize


Development?

Complex Initial State – Point to point interfaces

Settlement

External Parties

Paym

en

ts O

rigin

atio

n

Partner Gateway

3rd party Systems

Application / Middleware

systems

Mainframe / Transfer System

Credit Systems

Risk and Fraud

Loan Systems

Industry Libraries / Clearing

Channel Management

CRM

Soft Wallets

Hard wallets

Loyalty Systems

A proper Payments Integration Infrastructure begins

to consolidate business services and define affinities

Payments ODS & Log

User Interfaces

Industry Transformation Libraries

Systems Management Security & Monitoring Infrastructure

Payments Integration Infrastructure

Transformation, Routing, State Mgmt

Paym

en

ts O

rigin

atio

n

Partner Gateway

External Parties

Ops and Apps

Settlement

3rd party Systems

Application / Middleware

systems

Mainframe / Transfer System

Virtualize payment services to “shift left,” reduce ops

burden and speed innovations to market

• Test in isolation with ‘stubbed’ or ‘mock’

services

• Built-in support for SWIFT, FIX, 8583

Standards

• Virtualize CICS applications inside the

mainframe and Java applications in the JVM

• Reduce development dependency on

operations

• Minimize subsystem dependency during

testing

• Reduce infrastructure costs and free up

MIPS for production use

Rational Test Virtualization Server


30

Test what has changed, stub out what has not

Public

Cloud Private

Cloud

Data Warehouse Mainframe Enterprise

Service Bus

Directory

Identity

File

systems

Collaboration

App Under Test Routing

Service

Third-party

Services Portals

Content

Providers EJB

Shared

Services Archives

Business

Partners

Messaging

Services

Complex test

environment

Databases Mainframe

applications

App Under Test

Third-party

Services

Virtualized test

environment ‘Stubbed’ or

‘mock’

services

Continuous Testing

Includes

Green Hat

technology

New

SWIFT

SWIFT Plug-in Third Party Libs RIT Virtual

Service Message Broker

Engine or

System that

delivers SWIFT

Payload

The Libraries validate the

messages for SWIFT format

and network rules.

Create Acks, Responses

and Error Codes

RIT Virtual service process

the request applying high

level filters and logic.

Passes only valid request to

Swift plugin

SWIFT Plugin calls the

appropriate method from the

third party libraries

SWIFT Plugin passes the

responses back to the RIT

VS.

Writes the Error description

to a file.

Example Partner Innovation to reduce the cost of 3rd party

services - Sandhata‟s „SWIFT in a box‟

3 Year Benefits:

•Increased project delivery capacity 100%

•Avoided hiring three additional FTE's, saving

almost $600k.

•Reduced incidents found in production from

2.5 to .3 per project, saving $3 million

•Identified defects earlier and freed team to

focus on new capabilities, saving over $560k

A major European bank needed to consolidate its four messaging hubs, which enable payment and

confirmation messages, as well as clearing services and supporting regulatory compliance. They handle

two million messages a day, amounting to GBP900 million per week. They implemented service

virtualization and automated integration testing as part of an Agile transformation to

enable continuous testing for Payments. As a result of IBM capabilities, system

integration test (SIT) process was reduced from 3 weeks to four hours!

•Reduced consulting and third party

testing fees with better test automation,

saving $408k

•Eliminated the need for additional

hardware and labor to set up test

environments, saving $700k

•Generated new revenue faster for the

business – estimated at tens of millions!

ROI from reduced cost, time, resources and risk!: Forrester Total Economic Impact Study on Service Virtualization

Accelerate multi-platform solution delivery and test provisioning

to more effectively compete for market-share

33

• Orchestrate and automate application

deployment across multiple environments

• Quickly deploy multiple test instances in

minutes versus hours or days

• Leverage with zLinux today

• Deploy Java applications with new z/OS

agent

• Integrate with existing host SCM to

deploy z/OS applications using REXX

Deliver test environments in minutes

IBM UrbanCode Deploy

IBM UrbanCode Release

IBM UrbanCode Deploy plug-in for IBM Worklight

New

New

New

Application Blueprint

Continuous Release and Deployment

Gained more predictable release

schedules for stakeholders

Achieved cost avoidance of more than

USD2.3 million per year

Improved the ability to demonstrate

compliance with regulations

Solution components

The transformation: As it prepared to launch a critical new

application, Fidelity Worldwide Investment wanted to replace its

manual release processes with an automated release solution.

The solution helped reduce the time required for software releases

by 99 percent, from 2 - 3 days to just 1 - 2 hours. The company also

achieved cost avoidance of more than USD2.3 million per year.

Software

• IBM UrbanCode Deploy

RAP14429-USEN-00

―Applications that took days to release now take just an

hour.‖ —Tony Green, Technology, Architecture and Engineering,

Fidelity Worldwide Investment

Fidelity Worldwide Investment – Achieving predictable release

schedules and simplifying regulatory compliance

Company Before After Business Value

Global Ins. Co 3 days 2 hours $2.3M / year

Global Bank 12 days 1.5 minutes £8.6M / year

Large UK Retailer 2.5 days 20 minutes £250K / month

On-line Retailer 6 hours 20 minutes

95% reduction in

time

Large US Retailer 2 days 12 minutes $1.2M / year

Global SVCS Co 90 minutes 3 minutes $1.3M / year

Manufacturer AP 2 days 3 minutes $2.3M / year

Global Oil Co 3 days 4 minutes £380K / month

RAP14429-USEN-00

Real life ROI Examples with UrbanCode

36




infrastructure









Mobilize

Digitize

Modernize


Development?

Industrialize IBM Mobile Development

Lifecycle Solution

Design & Develop

Worklight

RAD/Worklight Studio


Obtain Insight Tealeaf

The Now Factory

Manage Endpoint Manager

Fiberlink

Deploy Worklight

Urbancode

Instrument Trusteer

Xtify

Integrate CastIron

MessageSight

Test Rational Test

Workbench,

Rational MQA

Scan & Certify AppScan

MobileFirst: Design, Develop, Test and Deploy for

multi-platforms

IBM Mobile Quality Assurance (OPEN BETA) Enabling continuous feedback on mobile app quality

Tester End Users Developer

Over the air build distribution In app bug reporting

Crash log reporting

In app user feedback

LOB/Digital Marketer

Sentiment Analysis

Builds

User Feedback Crash logs

Bugs Bugs vs. Crashes

Quality Dashboard with Sentiment Analysis

Improve feedback responsiveness to ensure innovations

create value and improve market position

• Increase visibility into the actual customer

experience

• Quickly diagnose and resolve issues

• Improve mobile app quality with holistic

visibility into user experience

• Perform real-time customer analytics

Monitor and improve the customer experience

IBM Mobile Quality Assurance (open beta)

IBM Tealeaf

IBM Digital Analytics

Analytics

Repository

Worklight

Server

Se

rve

r Data

Clie

nt L

og

s

Enhancing experience

New

Improving quality

IBM MQA Server

Crash logs Bugs

User Sentiment

Continuous Feedback and Optimization

Automate functional, regression, load, and integration testing to

reduce time and cost

• Fully embrace automated testing

• Create test automaton of native and

hybrid mobile, web, JEE and mainframe

applications

• Run automated tests to validate builds

• Automate testing for native and hybrid

applications on Android and iOS devices

• Engage users in mobile app testing with

streamlined quality feedback and metrics


IBM Mobile Quality Assurance (open beta)

Improve application quality

Includes

Green Hat

technology

Systems under test

New

Continuous Testing

En

terp

rise B

acken

d S

yste

ms &

Clo

ud

Serv

ices

Worklight Server

User authentication and

mobile trust

Mashups and service

composition

JSON Translation

Adapter Library for

backend connectivity

Sta

ts A

gg

reg

ati

on

Unified Push Notifications

Client-Side App Resources

Direct Update

Mobile Web Apps

Device Runtime

Cross-Platform

Compatibility Layer

Encrypted and

Syncable Storage

Runtime Skinning

Server Integration

Framework

Reporting for Statistics

and Diagnostics

Ap

pli

cati

on

Co

de

HTML5, Hybrid,

and Native Coding

Optimization

Framework

Integrated Device

SDKs

3rd Party Library

Integration

Bu

ild

En

gin

e

Worklight Studio

Worklight Console

Push /SMS

Management

Reporting and

Analytics App Version

Management

Public App Stores

Worklight Application

Center

Development Team Provisioning

App Feedback Management

Enterprise App Provisioning

and Governance

Blackberry

Android

iOS

Windows Phone

Java ME

Windows 8

SDKs

Mobile Web

Desktop Web

1 2 3

4

5

Ensure better execution flows: Use UrbanCode Deploy to

automate deployments for mobile apps

Visibility into mobile app quality

New IBM Mobile Quality Assurance offering

to engage users in app testing with feedback

and metrics

Expanded support for mobile app functional

testing through Dojo, mobile web, and

cross-platform testing

Control over mobile app deployment

Enhanced automated deployment planning

and execution for Worklight apps with

UrbanCode Deploy

Integration of back-end data and services

New automation for back-end data and service

integration to drive service-driven Worklight

mobile apps

Business objective of brand

loyalty delivered via mobile

strategy

Rapidly delivered quality mobile app

“PointSource's ability to translate our business

objectives into a mobile strategy enabled us to

deliver

a solution that adds value to our existing customers.

PointSource also identified ways for us to optimize

for faster, higher quality delivery with IBM tools for

the mobile development lifecycle.”

— Scott Liberatore

President/CEO FIMC

featuring seamless integration with back-end

services, and stunning, intuitive design

Reduce time to customer feedback

DevOps solutions for Mobile Recent DevOps capabilities for high quality mobile apps delivery

IBM Mobile Quality Assurance (4Q13 beta)

IBM Rational Test Workbench 8.5.1

IBM UrbanCode Deploy plug-in for IBM Worklight v6.1

What’s

New

Agenda

1

4

Where are we today



5 Summary


Our solutions are helping our clients align various lifecycle

timelines to modernize, digitize and mobilize

Mainframe transactional services

Production Environment

AppStore

Dev Mobile Build

Device deployment &

testing

Dev Build App Deploy

& testing

Rapid deployments

Frequent deployments

Few deployments

RTW

RTW

IBM Mobile Quality Assurance

Rational Quality Manager (RQM)

Integration Test

Worklight Studio

Worklight Console

RDz, RD&T

RAD

RTC

Digitize

Modernize

Mobilize Systems of Engagement

Systems of Record

Try out IBM BlueMix, Including Mobile Quality

Assurance for FREE:

https://ace.ng.bluemix.net/#/home 1

2

3

4

Calculate the ROI and Download the free trial of

Rational Developer for System Z

http://ibm.co/1oUZhsB

Ideas to get started today

Take the FREE DevOps self assessment

http://bit.ly/1oUZlbO

Check out other FREE IBM Trials:

http://www.ibm.com/developerworks/rational/d

ownloads/index.html

https://ace.ng.bluemix.net/

http://ibm.co/1oUZhsB



http://www.ibm.com/developerworks/rational/downloads/index.html

http://www.ibm.com/developerworks/rational/downloads/index.html

Other Assets of Interest

46

Forrester Total Economic Impact Study - Service Virtualization -

https://www14.software.ibm.com/webapp/iwm/web/signup.do?source=swg-rtl-

sd-ar&S_PKG=ov16778

Webcast - Increasing Speed and Agility in testing complex financial services

solutions -

http://ibmtvdemo.edgesuite.net/software/rational/webcasts/Increase_Speed_A

gility_in_Testing_032613.mp4

White Paper: Driving and managing innovative mobile banking applications

Questions

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