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Global Technology & Services

Global Technology & Services. TEC -Technology Research & Strategy Department Presentation. Dr. Lutz Kolbe. International TEC-Offices. New York. San Francisco. Eschborn. Established 8/99. To be established 1/00. Established ‘90. Employees. Ebay. Ebay. Ebay. DB. DB. DB. Consors.

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Global Technology & Services

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  1. Global Technology & Services TEC -Technology Research & Strategy Department Presentation Dr. Lutz Kolbe

  2. International TEC-Offices New York San Francisco Eschborn Established 8/99 To be established 1/00 Established ‘90

  3. Employees Ebay Ebay Ebay DB DB DB Consors Consors Consors P/E ratio Market/Book ratio Reasons for IT- Investment: Market CapitalizationCompared to company size, IT related companies have extremely high market capitalization IT companies: Small size + high P/E ratio Result: Tremendous market capitalization Market capitalization** 75.000 260 138 996 550 20,3 Deutsche Bank Consors Dresdner Bank Commerz- bank Ebay 190 1,5 (0,95)* *only banking business of Deutsche Bank 102 **Date: July 1999

  4. Reasons for IT-Investment:In eBusiness company size can’t compensate Know How Top 10 financial institutes concerning assets Top 10 financial institutes concerning eBranding Deutsche Bank D/US UBSCH Bank of Tokyo J Credit Suisse CH HSBC Holdings GB Sumitomo Bank J Industrial & Commercial ROC Dai - Ichi Kengyo J Fuji Bank J Sinwa Bank J Citibank US Forenings Sparbanken S Meritanordbanken SF/S SEB S UBS CH Wells Fargo US Net Bak US Egg GB Credit Suisse CH Commerzbank D

  5. Aspects of Technological Innovations Human Acceptance Economic Impact Time-2-Maturity Business Relevance Innovation UMTS vs KM Knowledge Management Technology Push Forces Market Pull Forces Longevity Market Size Web-phones vs Speech Data Mining Competing Innovations Unpredictable Events Bottom-line: when to adopt/engage?

  6. Extended Hypecycle 1999 Key “Time-to-Maturity”Will reach “Plateau” in: less than 2 years 2 to 5 years 5 to 10 years more than 10 years Visibility Portals Linux Jini Biometrics Knowledge Mgt Bluetooth Java Language Synthetic Characters XML PDAs Voice over IP Data Mining xDSL/Cable modems Web Mining eCash Push Speech recognition Text Mining Wearable Computers Micro- payments Smart cards VRML Digital Ink Technology Trigger Peak of Inflated Expectations Trough of Disillusionment Slope of Enlightenment Plateau of Productivity Maturity

  7. GTS - Technology Research & Strategy Our Services • Research and analysis of emerging IT and telco-technologies. • Screening vendors, research institutions, and start-ups worldwide to find innovative solutions for the bank's business. • Keeping you informed on industry trends and long range perspectives. • In-depth trials of emerging technologies by customized pilots covering both technical and economical aspects.

  8. IT-Strategy eCommerce • Competence Center for MobileComputing • Joint Initiatives (DFKI FairPay) • True Virtual‚Banking‘ Initiative • ElectronicCommerce Strategy • Convergence of On-/Offline Media • New Electronic Payment Systems • eCommerceLobbyism(GIP, GBDe) GTS - Technology Research & StrategyActivities Overview www.tec.eur.deuba.com New IT-Architecture New TelcoTechnologies Security RelationshipTechnologies • Mobile/StationaryConsumer Devices • New Public Terminals (VirtualTouch Screens) • Innovative User Interfaces • Human LanguageTechnologies • Evaluation of Network Computing • Emerging Standards(XML, Linux) • Knowledge-basedtechnologies(intelligent agents) • Video over IP • Business TVat Desktop • Voice over IP • Streaming Video • Wireless LAN • Mobile Banking • Open-OS Chipcards • Multifunctional cards • Biometrics • Security for opennetworks

  9. Different tasks require different approaches Initiators of tasks Top Management Business Units External contacts MoB, COO,... DB24, Private Banking,... Universities, Research Labs, Vendors,.. Technology Staff Support (Cost Center) Technology Consulting (Profit Center) Research (Cost Center) Requests: • ad hoc • quick response • high quality • ... Projects/pilots: • deliverables • deadlines • project management • costs, quality, time • ... Think tank: • cooperation • product evaluation • visionary • ... TEC – Technology Research & Strategy Competence Areas Tech Intelligence/External Relations IT-Architecture eCommerce Lobbyism Security Relationship Technologies Banking Telecommunications

  10. 3-Layer-ConceptDiversity of topics requires different approaches Technology Consulting Video-/Voice- over-IP Top Management Support Mobile Office Research Biometrics TEC Internet Screenphones Wearable Computing GTS TEC Technology News TEC in brief TEC virtual finance newsletterTEC startup newsletter TEC demo Synthetic Characters/ Agents GBDe Mobile Banking Researchbuilds knowledge pool Top Management Supportensures visibility Technology Consultingfertilizes organization (+ earns money)

  11. Value ChainTEC – Technology Research & Strategy Process Observation, Screening Assessment Concept/ Analysis (Extended) Pilot Evaluation Reporting/ Requirements Feedback Tools Info-Database, Vendor + Inhouse Relationships RapidPrototypes SWOT-Analysis Customized Pilots Performance, Usability Tests, Feasibility Feedback via Relationship Channels Partners Business Units,Start-ups, Research Institutes Vendors, Service Providers External Info Providers, Business Units Vendors, Business Units Business Units Vendors Results Proposal Demo TEC in brief, Briefing, Benefit for DB (in depth) Demo Test Report Briefing ManagementReport,ImprovementProposal, Integrability

  12. ATG Survey – Part IIGroup Styles Scholar GTS/TEC Navigator Con- ductor Technology- Focused Guerrilla Focus Priest Business- Focused Activities Hands-on Strategic Planning

  13. Scholar Navigator Con- ductor Technology- Focused Guerrilla Focus Priest Business- Focused Activities Hands-on Strategic Planning ATG Survey – Part IIGroup Evaluation Funding (% of IT) Value (4=high) Value/Funding Ratio Navigator 9 3,1 0,35 Scholar 59 3,0 0,05 Guerrilla 8 2,7 0,34 Priest 4 2,5 0,63 4,6 Conductor 0,5 2,3

  14. TEC - Sequence of Success Stories Lotus Notes Internet Banking & Broking Virtual Bank EDI GlobalNetCard Mobile Banking Business TV Gesture Computing 1992 1993 1994 1995 1996 1997 1998 1999 Firewall Internet Cafe SET Deutsche Bank Web presence db-eCash GTO Network Computing

  15. 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 Hardware & Interfaces Devices Laptops “Instant On” Head-Mounted Pen-Computers PDAs Devices Displays Web-phones Interactive Web TV Wearables Flat-Screen Displays Convergence: Multifunction Mobile Architecture & connectivity Bluetooth XML: Automatic Platform Adjustment Jini etc. UTMS Automatic Synchronization Bandwidth jumps: DSL, cable, powerline, satellite (200%/yr) Input & Output Speech Dialogues for Telephony Speech/NL Dialogues in Operating System Handwriting Speech Dictation Affective Computing Speech Synthesis Simulated Characters

  16. Selected ProjectsJava Office Suite & Network Computer IBM Network Station 1000 Lotus eSuite

  17. Corona Server Switch Ethernet Application Server Selected ProjectsPiloting Sun‘s Corona • Corona Architecture • Zero Administration Clients (Terminals) • More efficient than X-Terminals • Needs 10 Mbit/s Ethernet between Corona Server and Terminals • Application Servers may be Solaris, AIX, Linux, Java VM or Windows NT • Next generation NOS/OPUS?

  18. Selected Projects Financial Portal Sites: make or buy

  19. MULTIMEDIA-PC MULTIMEDIA-PC Households Packet / Cell Switched Network Internet Frame Relay ATM ISP Voice-Server Voice-Server ITSP Voice-Server Voice-Server PABX PBX PSTN Corporate Networks TELECOMS Selected ProjectsVoice over IP

  20. Selected Projects Internet Screenphones • Goals: • Demonstrate banking capabilities with this novel internet banking medium • Explore ease-of-use and start a pilotto gain experience “In the near future a host of devices will be internet enabled. Internet Screenphones can be the bank‘s ATM in thecustomer‘s home”.

  21. Selected ProjectsMultichannel Banking Internet Screenphones PDA Mobile Phones Set-top Boxes Palmtop Computer Communicator

  22. Selected Projects Mobile Banking & Brokerage using WAP • Goals: • Banking transactions • Brokerage functionality • Access to WAP based services from other content providers (e.g. Lufthansa, Deutsche Bahn, Yahoo...) “Bring the content of the internet to mobile devices”

  23. Reichweite ca. 10 km IPC-Box Deutsche Bank AG Netzwerk Externer Router mit DHCP-Server Interner Router SRA-Admi- nistration unverschlüsselt Verschlüsselter Datentransport Notebook mit Cryptcard Zielrechner Selected ProjectsSRA-Encrypted Wireless LAN

  24. Selected Projects Human Language Technologies • Goals: • Ease-of-use • Offer a new, natural access channel to banking functions • Increase quality of service by providing 24/7 human language access

  25. Selected ProjectsGlobalNetCard (IBM-DB Joint Initiative) • Goals: • Demonstrate the Convergence of Internet and Smartcard Technologies • Demonstrate a Chipcard based ePurse Scheme that can be Reloaded via the Internet • Evaluate the Latest Technologies in Combination (Smartcard AND eCash AND Java AND NC, etc.) “We see the GlobalNetCard as a future platform for the use of reloadable chipcard applications”.

  26. Selected ProjectsNovel Self-Service Devices • Internet Enabled Device (Internet Banking & Broking, Internet Call Center) • Multimedia Enabled Device • Large Projection Area (maximum of 61“) • Inexpensive Technology Compared to Touchscreen Monitors Siemens SIVIT

  27. Global Technology & Services GTSTechnology Research & Strategy TEC For further information: • GTS Homepage: http://www.gts.db.com • TEC Homepage: http://www.tec.eur.deuba.com • Dr. Lutz Kolbe: Advanced.Technologies@db.com Tel.: 069 910 65636 Fax.: 069 910 68211

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