Banking as a service white paper

Banking as a Service - The Ultimate Collaborative Revolutio

Banking-as-a-Service (BaaS) is at the center of this market change with the development of new products, channels, partnerships, and opportunities. Banking-as-a-Service - How it Works? BaaS is an end-to-end process that uses APIs (Application Program Interfaces) to connect fintech companies and other third-party organizations to a bank's system A new white paper summarises the main global payments initiatives driven by regulatory and governmental bodies, infrastructure providers, banks and non-bank competitors. Focussing on the fundamental needs of payment users, the paper assesses what has already been achieved and what more is needed to ensure future payment schemes are secure, fast, efficient and transparent, with global connectivity However, since traditional financing models do not offer a conclusive solution for this, there is a need to develop usage-based financing concepts into the so-called Asset-as-a-Service (AaaS) models that will have the ability to address these gaps. Asset-as-a-Service model has the potential to become a game changer of the 2020s

Banking as a Service (BaaS) technology allows tech companies to build on existing bank infrastructure. See how it works and why the industry is growing fast in 2021 We understand Open Banking to mean a platform-based business approach in which data, processes, and business functionalities are made available in an ecosystem of banks, customers, third-party developers, FinTech companies, and partners. The services provided are financial and may come from banks as well as from third parties

White papers/Guides - Corporate Ban

In this white paper we review transformative digital use cases with a business and customer-centric focus, supported by Aruba, a Hewlett Packard Enterprise company. USE CASE #1: DIGITAL ENGAGEMENT On Premise Customer Wi-Fi Retail banking institutions are deploying Aruba Wi-Fi for a number of reasons. The foremost is enabling customers t
imal operating costs to their banking customers, thus making the
ate time-consu
The Banking as a Service platform by Goldman may be well-positioned for growth. Today, practically all digital banks in the US must partner with a chartered bank to provide services
White label banking is another term for private label financial services or banking-as-a-service (BaaS), in which banks open up their application program interfaces (APIs) to let third parties.
bank curates a number of trusted third party providers to provide a more rounded set of financial services and offers these as either white labelled or perhaps as co-branded products. The key here is well-defined APIs to enable ease and richness of integration with the third parties. In comparison, the banking as a platform concept creates a framework in whic

Asset-as-a-Service - Corporate Ban

Banks have embraced the wave of Robotic Process Automation (RPA) to deliver quick and accurate value to their customers. Many of the repetitive tasks/ process such customer service, retail loans initiation, basic financial advice and customer communications/ alerts have been achieved through automation which has resulted in meaningful customer.
This white paper is about platform as a service (PaaS), a group of cloud-based services that provide developer teams with the ability to provision, develop, build, test, and stage cloud applications. It describes how PaaS: • Creates demand for and broadens adoption of cloud services across you
g their operating models and enabling innovation through smart technology investments. Innovation Drivers . The retail banking industry faces an unprec-edented need to invest in new operatin

Banking As a Service (BaaS) Explained & Industry Outlook 202

White paper The Benefits: Implementing document imaging technology in the banking and financial service sectors can yield many benefits such as: • Faster access and retrievalof documents associated with customers, employees, and transactions to improve customer service and expand their competitive advantage
banks must be regularly serviced and maintained. This paper describes how and why load banks should be serviced and explains the implications of inadequate preventive maintenance. EFFECTS OF INADEQUATE OR INCORRECT MAINTENANCE Understanding the implications of infrequent or incorrect load bank maintenance is essential to designing and implement
The white paper must be written by someone with extensive industry knowledge of the product or service and a thorough understanding of the subject at hand. For companies, the document should provide in-depth research on the product and highlight how it can help benefit customers. 3. Problem-solving
Maintaining your competitive advantage can be challenging when customers expect around-the-clock banking services. We help you streamline inefficient processes with strategies and solutions that grow your business and keep customers at the center of your organization
White papers are often written as sales and marketing documents to entice or persuade potential customers to learn more about or purchase a particular product, service, technology, or methodology
This paper identifies specific opportunities for the Postal Service to offer non-bank financial services. These services could include reloadable prepaid cards with features that encourage people to save money, mobile transactions, and products that help the underserved take part in e-commerce. They also could include new ways of transferrin
White paper: Low code development in banking and its role in high speed content-based services. How banks can make more strategic use of their content, developing applications at speed that transform services & user experiences. 20th October 202

Münster (ots) - cloud-based service models in banking will significantly grow in importance over the upcoming years and accelerate digital transformation in the banking sector. That is the conclusion the strategy and management consultancy zeb has reached in its recent white paper Towards banking-as-a-service, which has just been announced processing services such as brokerage and * Other market participants, such as broker-dealers, can also provide custodial services, but this paper focuses solely on the services provided by bank-chartered custodians. corporate trust, but do not have a significant commercial banking business.3† Othe Customer servicing: One of the earliest adoptions of RPA was in customer servicing. RPA enables banks to improve customer experience, enhance operational speed and accuracy, navigate through large amounts of data, identify patterns, improve learning, and accelerate decision-making. Several banks have started using RPA techniques to deploy IQ bot White papers, analyst reports, and e-books. Whether you're new to Azure, or ready to deploy business-critical workloads in the cloud, explore these white papers, analyst reports, and Microsoft e-books. Get everything from the basics to deep-dive information on the cloud and Azure

WHITE PAPER Figures 3 and 4 depict suitable cloud service models and deployment models for key functions. For example, the guidance map recommends the PaaS model for the customer on-boarding function with a public or private cloud deployment. For the know your customer (KYC) function, the guidance map recommends PaaS or SaaS model with a publi White label banking is not only an efficient driver of growth for FinTechs; it is also an exciting business model with a future. Click to tweet. Numerous providers that are not actually banks are cementing their place in the market with innovative apps and digital services. Around 300 FinTechs are active in Germany alone

Essential Tasks for Every Small Business. Fill out the form to get this free white paper. Small business owners wear multiple hats. Management, sales, financials, and customer service are just a few of the duties and responsibilities that can overwhelm owners and even staff WHITE PAPER: Financial services firms must comply with a range of increasingly strict security and privacy standards. However, using joint solutions can take a DevSecComplianceOps approach to automate application building, testing, and deployment. View this white paper to learn more In this white paper, we'll show you how neobanks benefit bank interchangeably, although neobanks usually don't However, as many customers tend to focus on the quality of the service provided rather than the provider's licensing background, the term neobank is increasingly accepted in a wider sense to refer to any digital-only. White Paper | Intelligent Banking Kiosks Upon successful verification of a customer's identity, the Intelligent Banking Kiosk may present a list of available services to the customer via the touchscreen display. Customer may then select one or more services from the touchscreen display. Some customers may be reluctant to touch a public displa

Banking as a Service: Goldman Sachs Sizes Up Cloud based

core banking solutions in the cloud. This white paper explains why. Topics include: recent increased confidence in cloud strategies, the definition of cloud-based core banking, reasons/use cases for moving to cloud-native core banking and migrating to a cloud-enabled core; and a discussion of how banks can make the move to a cloud-based core
Banking on the Future: I Vision 2020 I CII-Deloitte 2 3 moved way beyond conventional banking and access to these services have become round the clock. This, indeed, is a revolution in Indian banking industry. Payments banks will open another alternative channel after internet and mobile banking, and hel
RPA & AI Use Cases in Banking. Banks have embraced the wave of Robotic Process Automation (RPA) to deliver quick and accurate value to their customers. Many of the repetitive tasks/ process such customer service, retail loans initiation, basic financial advice and customer communications/ alerts have been achieved through automation which has.
ated manual effort, which reduced turnaround time (TAT) by 30 to 35% and signi cantly improved accuracy, increased productivity by 20%, and sizeably reduced full-time equivalent resources. Account opening process WHITE PAPER

Private / White Label Banking & Financial Services in 202

Service-oriented, open-banking architecture that is programmable by a third party is developing. Open-banking strategy creates greater financial transparency for consumers and increased competition between financial services providers. Increased competition will include an innovatio
Banking Services in 2030 These scenarios show the potential new shape of banking services in the year 2030. However, each of the above scenes depicts some form of 'banking' rather than some form of 'bank'. The year 2030 is just over 10 years away, but by that time banking customers, even more so than now, may b
White Papers & Reports Get the latest insights and thought leadership from the #1 banking software company. Videos Watch all the latest videos from Temenos. Webinars Learn more about industry trends and best practices through our webinars. Blog Read up on all the latest topics and trends in banking
es how SAS' solution, the SAS Asset and Liability Management Quick Start service, can help you rapidly move through the implementation phase to get a strong return on your investment in SAS Asset and Liability Management software

RPA & AI Use Cases in Banking HCL Whitepape

Operational resilience: Impact tolerances for important business services. This paper is issued jointly by the Prudential Regulation Authority (PRA), the Financial Conduct Authority (FCA), and the Bank of England ('the Bank') in its capacity of supervising financial market infrastructures (FMIs), collectively 'the supervisory authorities'
Banking is an industry that is well-positioned to benefit from this AI-backed revolution. From data quality management to anti-money laundering, the use cases for AI and machine-learning based solution in banking (and finance) are far-reaching and powerful. Topics highlighted in this white paper include
Deutsche Bank and PPI have collaborated to give you an overview in this white paper of the key provisions of Payment Services Directive 2 (PSD2)1. The paper's primary focus is on changes made by PSD2 to the First Payment Services Directive (PSD1)2 that directly affect your operations. These include changes affectin
WHITE PAPER Figures 3 and 4 depict suitable cloud service models and deployment models for key functions. For example, the guidance map recommends the PaaS model for the customer on-boarding function with a public or private cloud deployment. For the know your customer (KYC) function, the guidance map recommends PaaS or SaaS model with a publi

Maintaining Load Banks for Reliability and Longevit

Reimagining transaction banking with B2B APIs. APIs can help global transaction banks move closer in the value chain to their clients amid rising competition. Core leader of McKinsey technology practice. Serves financial institutions on a broad range of technology modernization, Enterprise architecture and cloud engineering topics
This paper outlines the opportunities and risks that Open Banking presents, highlighting the areas that financial service providers need to consider to capitalise on the opportunity and safeguard customers. Please enter a valid email, the link to the white paper will be sent to this address. Please note that your data will be used by the.
Asian Banking and Finance Industry: On the Cusp of Transformation. Authority at the Fintech Festival event in Hong Kong on Nov 11 announced its first Distributed Ledger Technology white paper indicating how blockchain can help financial institutions in mortgage, Leveraging Blockchain as a Service Potential to the Fullest in Asia
non-bank financial service during the past year. These non- bank financial services include check cashing, money orders, remittances, payday lending, pawnshops, rent-to-own agreements, and other similar products and services. We refer to them in this paper as alternative financial services. In addition, there also are many fully-banke
White Paper Digital Transformation Initiative Telecommunications Industry January 2017 In collaboration with Accenture. Contents 3 Foreword have played in accelerating digital business and service models has not translated into new value for the operators themselves. Operators' share of the industry profit pool ha
Smartphones have displaced desktop PCs for day-to-day banking, such as accessing online accounts, money transfers, P2P payments, and online payments. Customers will soon sign up for more bank services via mobile devices, using online ID verification technologies, and expanding biometrics in banking
Throughout this Black & White Paper, we cite various data sources from 451's Voice of the Enterprise service, which combines industry-leading analysis with insights from our extensive community of mid-level and senior IT and line-of-business professionals

Decentralized Financial Services Protocol White Paper V6.0 Abstract Targeting the current challenges in decentralized finance, The Force Protocol proposes solutions that include DeFi technical components and tokenized protocols, aiming to provide secure, inclusive, innovative, and transparent decentralized financial services for users worldwide BIS Papers. This series typically contains volumes of papers prepared for meetings of senior officials from central banks held at the BIS as well as one-off publications by members of the BIS staff. The contributions come from the central bank participants as well as from BIS staff. Historical BIS conference, economic and policy papers. Introduction: What is a White Paper? White papers are great examples of marketing collateral that exhibit your authority over a chosen niche. Mostly, they are long-form content intended to educate the target audience, that delve deeper into industry trends, issues, and policies and explain its causes, implications, and benefits

White Paper | Optimal Workload Placement for Public, Hybrid, and Private Clouds 3 • Infrastructure as a service (IaaS) . IaaS is virtualized hardware (compute, storage, and network) delivered as code. IaaS gives developers more control over the entire application stack, or when the application requires isolatio Agora Services has partnered with Cornerstone Advisors on this in-depth guide to delivering the latest technology insights and benefits on modular banking for community banks and credit unions without disrupting the core. Download our white paper today to discover how Agora's challenger bank solutions can accelerate your digital strategy WHITE PAPER. CONTENTS Chapter 1: Introduction to Blockchain Technology 03 Cryptographic Components 03 Blockchain Protocol 05 State Bank of India, Punjab National Bank, Bank of Baroda, ICICI Bank, HDFC Bank, Axis Bank, Citi Bank,DeutscheBank,Infosys,TCS,IBMResearch,DeloitteandMonetaGoasmembers foundstone-services,white-paper: Foundstone Services Targeted Malware Threat Assessment 360. Foundstone Services — part of McAfee Professional Services — offers Targeted Malware Threat Assessment 360, so your security organization can discover and respond to advanced threats that go beyond your current security monitoring tools. Topics. Deutsche Bank, Linklaters, Microsoft, Standard Chartered, and Visa. These partners have produced this White Paper with the goal of supporting efforts for the responsible adoption of AI in financial services. The partners that developed this White Paper believe that its findings will be directly relevant for regulators, industry, an

This white paper, originally published by the Libra Association in June 2019 and then re-issued as a stand-alone update in April 2020, replaces previous versions published by the Association. Supporting technical papers published by the Libra Association in June 2019, have either been edited or retired Mortgage servicing rights. This white paper addresses the accounting and regulatory reporting requirements for mortgage servicing rights. Our companion paper addresses the requirements related to interest rate lock commitments, forward mortgage loans sales commitments and closed loans held for sale VMWARE WHITE PAPER / 6 loud perations A ew Model for ervice elivery Rethinking the Service Delivery Model All the companies in the research study developed a new IT service delivery model that redefined several basic IT roles and the division of work between IT and the business units. Although the specific organization structur Buy Now Pay Later: The Future of eCommerce: June 2021: Our complimentary whitepaper, Buy Now Pay Later: The Future of eCommerce, highlights the key drivers of buy now pay later service roll-outs, as well as the benefits and challenges of the services. This is accompanied by a forecast summary of the total global spend via buy now pay later solutions in 2026 In 2019, we conducted in-person interviews with 124 client executives in the retail banking sector are focusing on digital channel adoption, the demand for omni-channel services, and the need to manage security, regulation and aging infrastructure

The White Paper focuses on practical applications of the legal authorities the CJEU examined in Schrems II and discounts mere theoretical possibilities that are unlikely to occur. The White Paper also points to various measures relevant to proportionate data collection and individual redress that the CJEU did not take into account and that companies can include in their Schrems II data. Correspondent banking 3.0. BRUSSELS, 9 January 2012 - In a new white paper, SWIFT unveils its vision for a customer-centric, 'experience banking' model where customers are the trigger for banking services, and where banks link together the best components to create a consistent and seamless customer experience

Our banking consulting services are powered by deep industry experience and backed by a truly global presence. 0. Banking delivery centers around the world, including India, Spain, China & the Philippines. 0 %. Of the top 50 banks worldwide are our clients. 0. Of the top 20 money managers worldwide are our clients White papers. The following table lists White Papers from BIAN members and/or non - members. White Paper. Date. Skin the Financial Services Onion. April 2018. BIAN - PNC Open APIs for Banking. May 2017. BIAN Capstone Project API Classification Guideline for BIAN Architecture

WASHINGTON - The U.S. Treasury Department today issued a white paper regarding its review of the online marketplace lending industry.The white paper titled, Opportunities and Challenges in Online Marketplace Lending, provides an overview of what the Treasury Department heard in response to its Request for Information, and it contains research on and recommendations for the industry This paper explores the current state of play with blockchain in financial services, looking at the challenges and opportunities of implementing the technology across banking and the capital markets, and examining a number of use cases, for many of which proofs of concept are already under way. Financial services will not be the onl

White Paper - Definition, Types, Format, and Use

White Paper Advancing Financial Inclusion Metrics: Shifting from access to economic empowerment among bank regulators in 143 jurisdictions, two-thirds have a mandate to promote financial inclusion, service and higher transparency. New white paper: Professionalisation of financial services 27 Aug 2014. The Professional Standards Councils has just released Professionalisation of financial services, the first white paper in a planned series on professionalisation within the Australian services sector.. The white paper presents the findings of months of research, and considers the community, economic, regulatory and.

Banking Technology Solutions Cognizan

A 2014 FDIC white paper concluded that MFS has the potential to be implemented in ways that address the specific financial needs of the underserved and help draw them more comprehensively into sustainable banking relationships, thus expanding the number of individuals who obtain financial services safely and securely
White Paper Network Functions Virtualization—Everything Old Is New Again Introduction Communication service providers (CSPs) are facing challenges on multiple fronts. Their traditional sources of revenue, voice and video, are losing ground to services being provided over the top (OTT) on their data channels. At the same time, th
White Paper | Intelligent Banking Kiosks Upon successful verification of a customer's identity, the Intelligent Banking Kiosk may present a list of available services to the customer via the touchscreen display. Customer may then select one or more services from the touchscreen display. Some customers may be reluctant to touch a public displa
Roland Berger_White paper Automotive captive banking_FINAL.pptx 2 Major European car markets are forecast to experience only moderate growth after the European crisis and remain extremely competitive Management summary Offering finance products is a must to create additional sales momentum and defend current market shares.In Germany, car sales are mainly drive
The bank recognises this, and through its own programmes and partnerships, is able to present an offer where Anna's use of the bank's products results in direct donations to Anna's favourite charity. She accepts - happy she has found a bank that really seems to understand her. Retail Banking 2020 - Evolution or revolution? Wil

White Paper Definition - investopedia

The purpose of these papers is to create awareness of, and pro-vide information on, topics of interest to financial supervisors. For this first paper the Financial Stability Institute requested Professor Charles Goodhart (London School of Economics) to write about banking supervision and its relationship to central banks
America (USA). The Financial Services, including banking and non-banking services, are the fastest growing. sectors with significant potential of growth in emerging countries. As a result.
Paperless banking encompasses the entire banking institution, from online banking to account management, including account opening. When we say 'paperless banking', we are talking about all the practices we can automate and make available online to create more productive, environmentally friendly and user-friendly service interactions and transactions
White Papers are often published as Command Papers and may include a draft version of a Bill that is being planned. This provides a basis for further consultation and discussion with interested or affected groups and allows final changes to be made before a Bill is formally presented to Parliament

White Papers - FinTech Future

By modernizing their applications with artificial intelligence, cloud technology and automation, banks can rapidly develop omnichannel products, services and functionality. This helps improve the user experience and deepen trust and loyalty. IBM can guide you through a successful digital transformation. Explore the banking digital transformation A white paper of initial data findings CFPB Study of 4.4 Variations in Opt-In Rates by Bank Costly service: The banks in the study used different methodologies for measuring the incidence of accounts that incurred overdraft and non-sufficient funds (NSF The review into the merits of open banking is being undertaken in the context of digital and data-driven transformation in all sectors of the economy, where new or non-traditional market players are delivering both increasingly digital services and innovating to create new lines of business Towards a water services white paper. Discussion Paper (Government Gazette 23377, Notice 538, 3 May 2002). Pretoria: Government Printer, 2002. For a report presented by a committee, format the white paper citation this way: Government. Branch. Committee. White paper title: date. Congress number, session, date. Place of publication

zeb white paper: Cloud-based service models taking over

And even more strikingly, a recent white paper by the USPS inspector general says postal banking isn't just desirable, but also legal under existing law, PAEA notwithstanding. But the. Read the white paper Trust, Plus Technology, Equals Growth for Open Bank Open Bank created a suite of financial solutions, built on the Precision banking platform from Fiserv, to tailor services for the local community Our white label FinTech platform is packed with all essential banking features - such as bank accounts, payments, credit/debit cards, trading, lending, and user onboarding. Leverage the experience and expertise of our financial experts and blockchain developers to provide a complete digital asset banking solution to your customers In this white paper, SPD Bank and Huawei propose a brand-new concept: the Bank of Things (BoT). Bringing with it vast potential for disruption, BoT allows financial institutions to directly interact with intelligent things, not just people, to build scenario-centered business models as well as establish objective risk management models

White Papers, Reports, and E-Books Microsoft Azur

A primary goal of banking regulation and supervision is to support the sustained provision of financial services to the economy. To do this, supervisors promote resiliency and mitigate risks by examining firms' risk management, internal controls, and governance as a core part of prudential oversight In July 2015, APRA published an information paper titled 'Outsourcing involving shared computing services (including cloud)' 1 which outlined prudential considerations and key principles that should be considered when adopting use of cloud computing services. This paper updates the July 2015 paper Deutsche Bank lobal ansaction Banking 3 The purpose of this white paper Big Data, with a 40-year history, is not a new subject by any means, but it is a topic that is commanding greater levels of attention from all corners of the global economy. Today, we are bombarded with data from every conceivable direction. How w Information Technology - Technical white papers - IT Webcasts / Information - Bitpipe. Bitpipe.com is the enterprise IT professional's guide to information technology resources. Browse this free online library for the latest technical white papers, webcasts and product information to help you make intelligent IT product purchasing decisions the financial services industry, with a particular focus on the IT department. PwC Financial Services Technology 2020 and Beyond 5 6 Source: PwC's 19th Annual 19th Annual Global CEO Survey, Jan 2016 You are a bank executive. Imagine that you are competing against a truly global, multi-service, low-cost, digital bank: customers accessin

White Papers TechRepublic's Resource Library is the web's largest directory of free vendor-supplied technical content. Take advantage of the library's white papers on an array of topics, from Big. Free Banking and Finance Project Topics and Materials PDF for Final Year Students. In our research archive, we have lots of free banking and finance project topics, and premium research papers in the department of e-banking, financial management, investment banking e.t.c. And also, related research seminar topics and journals for final year students in the Banking and finance research department The Federal Reserve recently published the third white paper in its Payments Fraud Insights series, Mitigating Synthetic Identity Fraud in the U.S. Payment System, to share how organizations - both individually and collectively - can approach mitigating synthetic identity fraud in payments.. A synthetic identity is created by using a combination of real information (such as a legitimate. This paper outlines a brief history of digital banks and discusses current examples of innovation Oracle has seen in the banking industry. We will also look at proprietary research from PwC which explores the digital banking consumer in three key Asian markets: Hong Kong, Singapore, and Malaysia Overview. The need for a robust identity and access management (IAM) strategy has become an integral part of enterprise IT. Strong IAM solutions can enable enterprises to boost employee productivity and bolster their overall security postures

White Label Banking: Driver of Growth for FinTechs or

this paper, we propose a solution to the double-spending problem using a peer-to-peer distributed timestamp server to generate computational proof of the chronological order of transactions. The system is secure as long as honest nodes collectively control more CPU power than any cooperating group of attacker nodes.
a. Financial services, including banking services, are at the cusp of a revolutionary change driven by technological and digital innovations. A rapidly growing number of financial entities and technology firms are experimenting with related technological and financial solutions as well as new products in the financial services field which eithe
The term white paper was first used in 1884 to describe an official report setting out a policy that the government intends to implement. While that type of white paper still exists, companies also produce white papers to share their perspective on particular technical issues. Within an organisation, white papers are pretty detailed
The American Postal Workers Union supports postal banking, calling it a win-win-win proposal.. Adding additional financial services would bring in much-needed new revenue for the USPS.
In a white paper commissioned by F5, Aite Group interviewed risk executives at financial institutions, fintech lenders, and e-commerce companies to learn how they are protecting themselves from the escalating volume of account takeover (ATO) attacks. Most consumers use the same handful of usernames and passwords across websites, creating a.
This white paper will help LeadingAge members and other aging services organizations to understand cybersecurity threats, how to mitigate them, and how to respond if attacked. In addition, the white paper includes a benchmarking questionnaire that will help providers identify where they may be at risk, so that they can work to plug those vulnerabilities.�
Tool Overview Among the many other benefits of migrating your fax infrastructure to the fully hosted, cloud fax service from eFax Corporate, you will also enjoy complete ad

White Paper: Essential Tasks for Every Small Busines

ISC English Language Previous Year Question Paper 2017 Solved for Class 12 (Candidates are allowed additional 15 minutes for only reading the paper. They must NOT start writing during this time.) Attempt all four questions. The intended marks for questions or parts of questions are given in brackets [ ]. (You are advised to spend [ Letting the U.S. Postal Service (USPS) offer basic banking services to customers, like savings accounts, who endorsed the initiative in a comprehensive white paper TECHNICAL WHITE PAPER / 3 VMwae Hoon t e Refeene Ileentaton Case t fo Eoean nanal ees Coany Introduction This document provides a reference implementation case study for VMware® Horizon with View™ at a European financial services company. The case study represents a 23,000-user environment running on converged infrastructure