SAP Business Technology Platform for Banking

Unlocking New and Intelligent Value with Digital Technologies

SAP IBU Banking and SAP BTP Global CoE
May 2022

PUBLIC
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 SAP BUSINESS
TECHNOLOGY ▪
PLATFORM
▪

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SAP BUSINESS
TECHNOLOGY
PLATFORM

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Public - SAP and Customers only 6
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 WHERE CAN WE
GO TOGETHER?

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Banks Are Transforming into Digital Platforms

Wealth
management
New business processes

Raising Market
capital provisioning

Deposits
lending Payments

From complex, non-agile, and closed

…to digital banking platform provider… …embedded into digital life of E2E ecosystem.
services / processes / landscapes…

Controlled
New business culture

Agile – act swiftly with trusted insights

Adaptive – innovate continuously

Coordinated – connect processes

Siloed Slow moving

Yesterday Tomorrow

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Digital Disruption Creates Multiple Action Areas for Incumbents

Digital Transformation of Customer Regulatory Disruptions Margin Pressure

Experience ▪ Market and regulatory led changes enabling ▪ 0% interest rates bad for margins
▪ New digital channels reduced barriers to open banking ▪ Account growth slowing
▪ Unique omnichannel customer experience ▪ Increased spotlight on consumer privacy ▪ Feds could pressure banks to offer loan
▪ Differentiations through experience management forbearances

Next-Gen Infrastructure Next-Gen Employer Fintechs Disrupt Ecosystem

▪ Modernization of aging infrastructure ▪ Disruptive business models ▪ New competitors gain market share
▪ AI-based systems ▪ Attractive employer ▪ Blockchain reduces cost of transactions
▪ In-memory cloud computing ▪ Data driven intelligence

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In the Experience Economy, Banks Must Evolve to Compete

Banks need to move from complex, non-agile, and

siloed IT landscapes with non-differentiated
offerings and older customer base …

Branch Digital
focused touchpoints
Services that Data-driven
are commodities risk management

Inflexible AI powered
infrastructure applications

Disconnected Smart
processes compliance
… to a customer-centric business focus that
Aging customers provides frictionless digital experience, help Architectures
that scale
customers manage their financial live with mobile
tools, and implement safeguards that ensure privacy.

Retail Banking Commercial Banking

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Operations Operations
... and Become Digital Platforms

▪ Data driven intelligence and the ability to provide a superior customer experience will differentiate the successful from the
less successful financial services providers
▪ Automation of repetitive tasks to focus on high value tasks as Intelligent Enterprises

Industrial Business process Digital Intelligent

automation automation transformation Enterprises

Transform business model

Extend the value chain

Optimize existing processes

Source: SAP White Paper, Intelligent Enterprise for Banking, 2019

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Examples of Key Personas Within the Financial Services Industry

Chief Executive Officer Chief Revenue Officer

▪ How do we achieve revenue growth? ▪ How do we increase revenue?
▪ How do we increase customer and employee satisfaction? ▪ How do we analyze and respond faster to customer trends to increase sales and
▪ How do we help lead technology and people transformations? customer satisfaction, margin, and stock turn targets?
▪ How do we collaborate with all organizations departments to boost ▪ How do we use and combine historical data, ever-changing customer input,
the performance and the results? market conditions, and supplier demands in order to drive strategy, budget, and
forecast?

Data-driven risk mgmt

CEO, CIO
Planning Digital touchpoints

CDO AI powered applications

Operations Architectures that scale

Marketing Smart compliance

Chief Operations Officer, Chief Information Officer Chief Financial Officer, Chief Risk Officer
▪ How do we cope with aging infrastructure and shrinking budgets? ▪ How do we cope with constantly changing regulatory and compliance
▪ How do we coordinate activities of an organization to realize value requirements?
from data science? ▪ How do we achieve revenue and profitability growth?
▪ How do we empower users to use AI and real-time analytics? ▪ How do we manage credit and liquidity risk?

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Transform Critical Business Capabilities And …

Future state: Strategic priorities across business processes

Digital Customer Banking Financial Services Total Spend Finance and Human
Engagement Operations Network Management Risk Resources

Seamless Customer experience: Offer management: Bank connectivity: Procure-to-pay: Financial insight: Employee feedback:
connectivity Omnichannel customer Instant loan offerings at Real-time connectivity Automated procurement Instant drill-down and Rapid deployment of
experience point of sale using real-time between ERP procurement and payment processes response to any inquiry feedback from employees
data and banks

Data-driven Product selection: Digital marketing: Cash management Spend management: Financial services Workforce analytics:
intelligence Personalized product Predictive, targeted and payment services: Total spend management data platform: Insight into outcomes
offerings marketing using ML / AI End-to-end, real-time across all categories Data model supporting through ML
digital services and federated data
platform management

Operational Onboarding: Customer feedback: Loans processing: Supplier management: Financial product Talent recruiting:
effectiveness Frictionless digital process Embedded customer Straight-through- Automated bid subledger: ML to match candidates to
feedback processes processing using ML management Multi-GAAP, multiproduct positions
subledger

Financial insight Compliance: Operations: Compliance: Supplier risk Financial reporting: Career and succession
and risk control ML based KYC, AML, and Real-time processes and Blockchain processes that management: End-to-end process using management:
Patriot Act data availability drive transparency and ML against established ML techniques ML to identify key
compliance supplier performance employees for development
indicators

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… Enable Intelligent Innovation Use Cases Along the Industry Value Chain

Digital Customer Banking Financial Services Total Spend Finance and Additional Use
Engagement Operations Network Management Risk Cases

Seamless Customer experience: Offer management: Bank connectivity: Procure-to-pay: Financial insight: Finance Landscape on
connectivity Customer Value Personalized Campaign Financial Services Data Real-Time Financial SAP’s Subledger
Management for Banking Management Management Analytics
Global HR Management
Operation Control Center
Optimized Planning and
and Intelligent Dashboards
Budgeting with SAC
for Finance
Customer Onboarding via
Data-driven Product selection: Digital marketing: Cash management Spend management: Financial services ML Assisted Trade
intelligence Sentiment Analysis and Cash Withdraw/Anomaly and payment services: Total Margin Management data platform: Mappings
Campaign Management Detection for the ATM Intelligent Payments & Next Generation
Network Fraud Management Regulatory Hub Accelerator for ASE (A4A)

Operational Onboarding: Customer feedback: Loans processing: Supplier management: Financial product
effectiveness Customer Retention Insight Circular Trading Service Ticket Intelligence subledger:
Machine Learning for High
Volume Trade
Reconciliation

Financial insight Compliance: Operations: Compliance: Supplier risk Financial reporting:

and risk control Customer Lifecycle Integrated Finance Risk Management with management: Real-Time Margin Risk
Analysis Management for Banking Monte Carlo Simulations Intelligent Data for Market Management
Surveillance
Real-Time Liquidity Business Integrity
Management Screening

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… and They Need to Enable Digital Transformation

Support and
People Engagement |
Management New Products and Innovation Sustainability Mgmt. Master Data Management
Human Resources
Processes

Employee Insights Real Time Energy Monitoring Profitability and Performance

Insights
Decide with Blockchain applications
confidence and Talent Exchange * Smart Building Management Advanced Document Management
integrity

Employee Attrition

Next generation Energy Management

Operation Control Center and Commercial Project
Connect treasury functions and Analytics – Consumption
Intelligent Dashboards for HR Management*
processes & liquidity management Monitoring
experiences
Digital Financial Platform

Continuously Dashboarding and Analytics for Energy Efficiency

Open Banking Real-Time Data Anonymization
innovate Contingent Labor
Cloud-based solutions for
Neobanks

*SAP or 3rd party standard application extended with SAP technology

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PayPal Runs on SAP HANA

Objectives
▪ Increase data quality and granularity
▪ Reduce time to acquire data
▪ Increase accuracy by reducing manual processes
▪ Increase time spend on value-add activities

Statistics
▪ 203m active accounts (1st quarter 2017)
▪ Online payments in 200+ countries (1st quarter 2017)
▪ 6.1 billion payment transactions in 2016
▪ Expected data growth rate: 30% YoY
▪ All on a single SAP HANA box (48 TB)

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 Middle Eastern
Customer Value Management for Banking Bank

Description
▪ Provide a unified, shared technology platform to build targeted marketing campaigns
▪ Win customers by more personalized offers

Business Challenges
▪ Determine the next basic action for each customer
▪ Minimize time to market and for building campaigns

Solution
▪ Use in-memory HANA ML Classify customer behavior into predefined segments
▪ Use Calculation Views to evaluate individual customer performance relative to the entire segment
▪ Combine multiple data sources to highlight existing prospects and discover new opportunities and revenue
streams

Benefits
▪ $$ Increase revenue from cross sell/up sell by targeting customer with personalized offers
▪ $$ Improve revenue forecast accuracy by customer base performance tracking
▪ $$ Reduce marketing cost due to improved visibility in full campaign life cycle
Business Centricity
▪ $$$ Reduce service and support cost by automation of routine marketing tasks
▪ $$ Improve application development FTE productivity Integrated Platform Suite

Open Architecture

$ = low $$ = medium $$$ = high

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 Hedge Fund
Machine Learning for High Volume Trade Reconciliation
Rules based reconciliation

Description
▪ One of the worlds largest hedge fund administrators wanted to automate their mission critical trade reconciliation process
which runs first thing every day
▪ Despite 10 years of developing a rules based system the percentage of automated reconciliation had plateaued

Business Challenges
▪ The existing rule-based system automated 92% of trades, but still required 900 back-office people to manually reconcile
trades in order to support their SLAs Rules + ML reconciliation
▪ Rules life cycle management required a significant amount of effort, and rolling out new versions was a difficult change
management task
▪ Onboarding new customers was extremely manual task

Solution
▪ The solution required a partial cartesian join which requires an in memory database and highly scalable calculation
engine
▪ Unique to SAP HANA is Explainable AI. The solution provides explainable reason codes for why transactions are
matched which is a critical business requirement. The company can document that the reconciliation is unbiased
▪ Solution integrated into their AWS Infrastructure
Business Centricity

Integrated Platform Suite

Benefits
Open Architecture
▪ $$$ Reduce service and support cost by eliminating manual reconciliation work
▪ $$ Reduce compliance and risk management cost due to improved adherence to SLA $ = low $$ = medium $$$ = high

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Risk Management with Monte Carlo Simulations

Description
▪ Losses due to interaction of multiple risk factors can accumulate and exponentially increase
▪ Risks can affect specific business segments, countries, markets, etc. Each scenario requires a new analysis
▪ Projected risks for a company can be recurring risks like forex and project specific risks or single time risks based on
credit or financing

Business Challenges
▪ Regulatory considerations and stress testing are common business practices by Basel IV accords
▪ The analysis of the risks is extremely important for future planning, especially to arrange contingency plans to mitigate
risks
▪ Simulating multiple risk factors and interactions is computationally challenging, especially when each risk can be
modeled using different probability distributions

Solution
▪ Evaluate the contribution of multiple risks by using Monte Carlo simulations, implemented on SAP HANA using the
Predictive Analysis Library (PAL)
▪ Identify critical risks or critical segments / countries / markets, etc. using a value driver tree
▪ Evaluate what-if scenarios by adjusting the risk distribution function and parameters
▪ Integration with existing applications such as SAP BPC Business Centricity

Integrated Platform Suite

Benefits
▪ $$ Improve Analytics FTE productivity by simplifying complex programming and facilitating what-if analysis Open Architecture
▪ $$ Reduce compliance and risk management cost by analyzing impact of multiple risks with different statistics $ = low $$ = medium $$$ = high

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Next Generation Regulatory Hub Top Five Global
Bank

Description
▪ Financial Institutions are exposed to a multitude of regulatory requirements from various
regulators across different countries and states
▪ Regulations are often met with extensive efforts across multiple teams with siloed capabilities. Lack of automation and
consistency drives up costs of compliance and inhibits efficiency and agility

Business Challenges
▪ Punitive regulatory fines mean failure to comply is non-optional. Examples include risk data
aggregation and reporting (BCBS 239), anti-money laundering (AML, KYC), and trade surveillance
▪ Key challenges include: fragmented views across legacy silos, lack of transparency in data movement, data integrity
and accuracy issues, and lack of business insight

Solution
▪ Can be flexibly composed of different DDM components, analytics, SAP, and partner applications
▪ SAP HANA will serve as the central access layer and can be complemented by the financial services specific data
model Integration tools, Sybase products (ASE, IQ, SRS), virtualization, and big data tools can also be leveraged
depending on customer / market situation
▪ Flexible – ranging from physically centralizing data on premise via a federated approach to bridging the silos to a cloud
based solution
Business Centricity
Benefits
▪ $$$ Reduce compliance and risk management cost due to easier compliance with regulatory requirements Integrated Platform Suite
▪ $$ Improve analytics FTE productivity due to improved system support in generating compliance reports Open Architecture
▪ Increase flexibility due to use of big data, including virtualized data sources
▪ Improve business agility due to reduced data movement and data latency $ = low $$ = medium $$$ = high

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Real-Time Margin Risk Management Brokerage

Description
▪ Brokerages allow customers to trade on margin, and they are exposed to risk if a customer is unable to meet a
margin call
▪ Customers who trade on margin are highly profitable for brokerages

Business Challenges
▪ Margin calls happen as an end of day process, but intraday real-time monitoring is a critical capability to minimize
exposure while trying maintain the customer relationship
▪ The traditional approach had analysts creating ad-hoc spreadsheets

Solution
▪ Provide real-time profit and loss dashboard: customer can track key performance indicators like equity rating and
equity %, to quickly identify the high risk accounts
▪ Connect Sybase ASE to HANA for stock movers dashboard: tracking securities that are losing and gaining. Drill down
to the affected accounts and positions
▪ Use XSA to build stress dashboard: ad-hoc stress testing according to market volatility. Dynamically linked to the
real-time values, to monitor trends

Business Centricity
Benefits
Integrated Platform Suite
▪ Improve customer satisfaction by helping customers to 'lose less’ and improved service
▪ $$ Reduce financial exposure risk due to early forecasting through application of rules Open Architecture
▪ $$ Reduce service and support cost by eliminating manual efforts in identifying at-risk accounts $$ = medium $$$ = high
$ = low
▪ $$$ Reduce unforeseen losses by early identification of margin risk accounts about to hit limits

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eData Value Workshop
Introductory & Deep-Dive Sessions: Remote Collaboration, 2–3 Hours

+ =

Purpose Attendees Outcome

▪ How SAP Business Technology ▪ Business & IT leaders ▪ View on industry trends to SAP
Platform can help to: ▪ Digital/Innovation officers business technology framework
– Decide with confidence and integrity ▪ SAP awareness via industry &
– Connect processes & experiences
▪ Optional for deep-dive
session: LoB case studies, with practical
– Continuously innovate demos
– Business & data analysts
▪ Interact virtually with SAP cross – Data scientists ▪ Customer initial gains and pains,
the globe experts addressing – Data engineers & IT discovery & prioritization of gain
industry, LoB, technology and data architects creators and pain relievers
science topics, using surveys and
collaboration tools ▪ Next steps/ex. deep-dive
workshop
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Next Step: Learn More
Intelligent Enterprise for the Financial Services Industry

→ SAP Industries White Paper → Customer Engagement → CEP Storyboard

Platform

→ Industry 4.0 Strategy → Intelligent Enterprise poster → Intelligent Enterprise

Video

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Next Step: Learn More
SAP Business Technology Platform

→ Cloud Platform White Paper → Technology and

Innovation Overview and
Outlook

→ Business Technology Platform → SAP Business Technology → Platform & Technologies -

Platform - L0 Presentation Sales Plays & Enablement

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Thank you.
Contact information:
F name L name
Title
Address
Phone number
SAP in Banking

Key statistics Banks by size

Top 50
▪ 12,000+ banks in 142 countries are SAP customers Global
▪ Banking systems running on SAP process 1 billion+
financial transactions a day
▪ Our banking customers manage €70 trillion+ in assets Top 400
▪ More than €20 trillion+ in derivative portfolio trading Superregional,
and risk runs on SAP technology per day regional

Top 1000
… of banks in the Forbes 2000
97% innovate with SAP solutions.
Local,
specialized

Regions Lines of business

Retail Commercial Capital Wealth Central Fintech
banking banking markets management banks
✓ 97% ✓ ✓
✓ ✓
✓
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 ICICI Bank
Digital Financial Platform Mumbai, Maharashtra, India
http://www.icicibank.com/

“This is a first of its kind digital supply chain

Business Challenges payments and financing solution offered in India to
the corporates and their supply chain constituents.
▪ The bank needed to digitize, streamline, and strengthen their supply chain network /
Post implementation, our solution hosted on SAP
sales management systems, including the initiatives of manual reconciliations, working Cloud Platform had helped enable corporate to
capital inefficiencies, limited access to financing, and poor monitoring systems digitally connect with its dealers to carry out day-to-
day business transactions, payments / collections
Solutions and avail channel financing from ICICI Bank under a
▪ The bank deployed their CorpConnect platform: a real-time digital platform seamlessly digital model.”
integrated with corporate ERP systems that extends power of ERP through SAP Cloud Bijith Bhaskar (Head of Digital Channels & Partnerships, ICICI Bank)
Platform across dealers and suppliers, and provides integrated payments and channel
financing to the entire supply chain.

Benefits 150% 5K+

▪ Paperless and digitized end-to-end supply chain financing and payments QoQ growth in digitally Channel partners on-
▪ Instant sanctioning for channel partners with disbursement in less than 30 minutes sanctioned limits for boarded on platform,
▪ 24/7 availability of multiple modes of payments and collection channel partners using financing and
▪ Real-time auto-reconciliation and Corporate ERP posting payments facility
▪ Real-time MIS generation with analytical insights

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Cloud based solutions for Neobanks

Challenges
“SAP Cloud for Banking has given us a lean
▪ To launch its neobank on the market, Xinja required a restricted banking license from core banking platform with an integrated
the prudential regulator in Australia suite of applications and intelligent
▪ To get there, Xinja invested in a proven core banking platform that met with the technologies. It helped us create an
approval of the regulators exceptional customer experience and gain
the credibility we needed with the banking
regulator.”
Solutions
▪ A cloud-based core banking solution for deposits and payments using SAP S/4HANA, Greg Steele, Chief Information Officer, Xinja Bank
the SAP Payment Engine application running on SAP Cloud Platform, and
preconfigured “bank-account-as-a-service” functionality purpose built for neobanks

Benefits
Upending the banking experience
▪ Sophisticated security protocols, reducing the time and resources needed to build a
with innovative mobile
safe, strong, and secure mobile banking environment
products to advance customers
▪ An API-driven architecture and ease of integration with many partners, enabling Xinja
financially.
to deliver new and innovative experiences for its customers
▪ A scalable platform to support future innovations and rapid growth

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Global HR Management

Challenges
“With support from SAP SuccessFactors solutions,
▪ Improve efficiency of HR operations we standardized our global HR processes from hire
▪ Replace manual, paper-based processes with digital workflows to retire and enabled our employees to own their
▪ Gain a unified overview of employee data data and drive their own careers.”

Michael Oggenfuss, Global Head HR Systems & Processes, SIX

Solutions
▪ Integration with the on-premise SAP ERP Human Capital Management solution, built
on SAP Cloud Platform
▪ Proven best practices on which to base new standardized HR processes 10M 6.85B
Card transactions Items of price
Benefits carried out daily through information delivered
▪ Standardized the HR experience and processes across the enterprise SIX Payment Services daily by SIX Financial
▪ Gained a single source of validated employee data, increasing HR performance Information
▪ Accelerated reporting tenfold, with executives able to run standardized reports
▪ Standardized workflows, from hire to retire, reducing administration effort 4K+
▪ Established a central learning resources catalog, making it easy for employees to find Employees from 57
nations working in 25
what they need
countries

SIX Zurich Industry Featured Solutions and Services

Switzerland Financial SAP Cloud Platform,
www.six-group.com Services SAP SuccessFactors

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Optimized Planning and Budgeting with SAC

Challenges
▪ Empower decision makers with real-time analytics To sustain its own growth, Live Oak Bank
▪ Enable full transparency and collaboration in planning and budgeting processes to needed more-transparent and more-
improve communication and decision making collaborative planning processes, along
▪ Automate planning and budgeting processes with a solution that can scale to keep with real-time analytics for making better
pace with growth decisions more quickly. By using the SAP
Analytics Cloud solution, the bank is meeting
Solutions those goals with an intuitive software-as-a-
▪ To help improve planning processes, Live Oak Bank deployed SAP Analytics Cloud service solution that is built on SAP Cloud
solution on SAP Cloud Platform Platform for real-time business impact.
▪ Cloud-based subscription service built on SAP Cloud Platform to enable real-time
answers
▪ Intuitive solution for all users: analysts, management, and board members Greater Increased
Transparency into a Time available to
Benefits more streamlined provide customers with
▪ Fully transparent budget cycle budgeting process quality service and
▪ Embedded analytics for clear visualization business advice
▪ Flexible process modeling that can support the planning needs of a growing company

Live Oak Banking Company Industry Featured Solutions and Services

Wilmington, North Carolina Financial SAP Cloud Platform,
www.liveoakbank.com Services SAP Analytics Cloud

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Real-Time Liquidity Management

Business Challenges
▪ Organizations face increased regulation forcing intra-day liquidity management including BCBS248 and BCBS144
▪ Typical end of day processes are often incomplete and fragmented across operational
and treasury functions providing only expected values
▪ Lack of accurate, real-time views of funding and collateral positions often result in unexpected shortfalls
and expensive funding requirements

Solution
▪ Cash & liquidity management – many-to-many automated matching, sweeping and management of settlement accounts, 100%
positions and forecasting
More volume managed
▪ Payment flow control – prioritized automation of payments; settlement limits across channels, counterparty and clients; without extra resources
management of available liquidity and reserves
▪ Client & wholesale positions – consolidation of client balance, internal and external cash flows and treasury tickets,
monitoring of wholesale and client positions 50%
▪ Collateral management – automated matching, monitoring of positions, asset classifications, real-time market valuation, Reduction of surplus balances
matching and eligibility of collateral to funding needs; define haircuts based on valuation and collateral for funding needs
▪ Global, real-time integrated platform for accurate views, stress testing and forecasting
100%
Benefits Automation of reconciliations
▪ Streamlined forecasting financing liquidity needs and continuous monitoring of cash flows, collateral and bank positions
▪ Monitored feed stream and connections to settlement systems. Fully automated reconciliations
▪ Optimized controls for processing orders and strategies for liquidity management with more-sophisticated algorithms

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Intelligent Payments & Fraud Management
Winner of 2018 SAP Innovation Award

Business Challenges
▪ Deliver simple, efficient and equitable revenue management services for taxes and other payments
including fines and penalties
▪ Reduce revenue leakage

Solution
▪ Machine Learning model leveraging SAP Customer Retention & advanced analytical capabilities on HANA
▪ Visualize tax payer journey capturing important events
▪ Find root cause analysis of events leading to taxpayers not having capacity to pay
▪ Predict risk score on individual tax payers becoming debtors in future

Benefits
▪ Insights into the taxpayer journey + 61K 15%
active land taxpayers having difficulty to pay
▪ Real-time taxpayer segmentation and risk profiling
▪ Increase transparency of applied methods
▪ Measure effectiveness of processes and their success rates
▪ Apply targeted interventions to prevent citizens and business partners from becoming debtors $112M 187M
▪ Support evidence based decision making of revenue loss in Land Tax records

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Circular Trading

Business Challenges
▪ Detect fraud from circular trading (theft of Value Added Tax (VAT) by exploiting the way
VAT is treated within multi-jurisdictional trading)
▪ Very difficult to detect, loop detection involves huge amounts of data and is very time
consuming, if there are no efficient algorithms in place
▪ High number of searches necessary, as fraudsters create longer and longer circles

Solution
▪ The SAP Circular Trading Analysis model uses a specialized algorithm
to identify trades that form circles, stars, or chains
▪ Using the HANA platform, it massively parallelizes all searches and uses many different techniques to reduce the number of searches and to
improve fraud detection rate
▪ Decreases dependency on human expertise and 'gut feel‘
▪ The solution manages to handle circles with up to 20 members – SAP competitors can only handle circles with up to 6 members

Benefits
▪ Improved fraud detection rate
▪ Reduces loss caused by fraud and increases tax collection
▪ Simplified administration, reporting and distribution of external market data throughout the company

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 43

Customer Onboarding via ML Assisted Trade Mappings

High-Level Architecture
Business Challenges Model Development & Training
▪ Different clients use different data formats when sending data
▪ These formats need to be transferred into the standard data models, which requires
considerable effort for onboarding a new client or deploying new formats for an existing
client

Solution
▪ Automated system for mapping input data utilizing Deep Learning models developed using Row Scan: Identify Trade Types
Google TensorFlow
▪ Model accuracy evaluated on mapping the data to the right trade type and the mapping of
columns to the correct standard

Benefits
Column Scan: Classify Column Mapping
▪ Insight into where models cannot perform due to insufficient data and would improve over
retraining runs as more data becomes available
▪ Mapping of multiple trade-types and hundreds of columns made more efficient and allows
for faster processing of new data formats on an ongoing basis
▪ Significantly increase the number of customers that can be onboarded on a given day

back
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Cash Withdraw/Anomaly Detection for the ATM Network

Business Challenges Solution Components/BOM

▪ Lack of insight into the banks full cash picture leaves treasury in the dark ▪ SAP HANA Enterprise edition
▪ Complex banking structures and a sprawling geographical footprint can ▪ SAP Analytics Cloud – Data
exacerbate the cash availability issue Visualization
▪ In some areas we have to have 100% cash availability ▪ SAP Data Intelligence
▪ To increase the economic efficiency of the self-service ATM networks
operated by banks and processing companies
▪ Trigger the anomalies of any cash withdraw will help the bank to make
better planning and to understand the customer behavior
▪ Sometimes the anomalies is a clear trigger for fraud case and we have to
react immediately

Solution
▪ Segment all the existing ATM machines based on (availability, cash
withdraw , # of customers , # of VIP customers, population density ,….) Benefits
▪ Identify the most used ATMs by the Platinum and VIP customers ▪ Automate the bank connectivity and planning for the cash
▪ Compute the ATM geo-location distribution versus the customers demand ▪ Improve the cash forecasting
and the population density as well as the business areas
▪ Improve the cash availability
▪ Build forecasting model to understand the cash with draw trend in a pro-
active way ▪ Improve the capex distribution based on the geo-location analytics

▪ Build anomaly detection model to identify the anomalies in real time ▪ Improve the service for the high and VIP customers

▪ Pro-active trigger for the ATMs which need to be filled in the next 24 hours ▪ Realtime detection to the anomalies

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Customer Retention Insight

Business Challenges
▪ Limited insight: challenges to identify the relevant data sources and specific information
to narrow down reasons for customer churn
▪ Not customer-centric: legacy systems and processes prevent having a single view of the
customer (e.g. all product holdings) across various channels (phone, branch, internet, etc.)
▪ Data limitations: failure to understand customer transactional behavior due to
limited data acquisition capability

Solution
▪ Combine relational, transactional, and journey based insights to optimize the customer experience & drive business outcomes
▪ Real time measurement of all customer touch points across channels & journeys
▪ Enable organization with real time dashboards to understand key performance metrics & trends
▪ Leverage predictive models to inform proactive engagement
▪ Close loop with detractors and gain outer loop insights in the process

Benefits
▪ Analyze and create insights into customers’ behaviors. Provide the ability to mine, predict and capture leading retention indicators and take
proactive actions using machine learning
▪ Improved return on marketing investment
▪ Cost savings: it is 5–10 times more expensive to acquire new customers than to keep existing customers

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 46

Customer Lifecycle Analysis

Business Challenges
▪ An increasingly competitive market with customers looking for more end-to-end
services and real-time traceability of goods, SLA’s and financial metrics
▪ Identified the opportunity to create a significant point of difference through
removing contracts
▪ Consequently need timely and compelling offers to maintain customers loyalty

Solution
▪ Consolidation of multiple data sources including market, network, rating &
charging, billing & financial leveraging HANA as a Modern Data Platform (Data
integration layer)
▪ Analysis of 2 billion+ records to identify compelling and relevant customer offers

Benefits
▪ 2 billion+ records analyzed in hours instead of weeks
▪ Fine-grained customer segmentation models, for determining the next best action
to improve customer loyalty and share of wallet
▪ Millions in additional revenue per month

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 47

Personalized Campaign Management

Business Challenges
▪ Organizations want to optimize personalized marketing campaigns to maximize revenue,
profit, market share
▪ This require the compute to do this across millions of customers, optimizing based on a
number of conflicting constraints
▪ There is limited supply capacity for each offer; each customer can only be targeted x
times a year; there is limited channel capacity (call center, etc.) and limited budget

Solution
▪ A single unified model consolidated customer data, financial data, data from previous
marketing campaigns, product pricing data, channel data
▪ Using a combination of high performance compute and a third party optimization engine,
a model that allowed the evaluation of billions of alternatives to find the optimized
campaign offer and timing portfolio

Benefits
▪ The client was able to maximize revenue / profit / market share from a limited budget
whilst not overburdening prospects with offers
▪ The system offered agility to learn from changing customer take-up rates, improved
supply and channel capacity

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 48

 Payment
Integrated Finance Management for Banking Company

Business Challenges
▪ Wide variety of statutory and regulatory requirements like highly granular reporting requirements from
transaction level aggregating up on demand, as well as massive reconciliation efforts due to missing audit
trail and common data foundation for finance applications
▪ Decentralized accounting rules lead to inconsistent results and high maintenance effort
▪ High IT cost for running many systems and necessary integration

Solution
▪ Unified subledger for financial accounting (Smart AFI), typically banks today have many subledgers in their
respective productive systems, a state of the art management accounting solution for funds transfer pricing
and overhead cost/revenue allocations (FS-PER, developed natively on SAP HANA), a high performance
general ledger in S/4 HANA enhanced by real-time planning and financial consolidation functions
▪ Capabilities can be implemented stand-alone or as part of a wider Finance Management Architecture - in
that case it is positioned jointly with the SAP Financial Services Data Platform, which fully leverages the
SAP HANA Platform

Benefits
▪ Enable focus on decision making and innovation
▪ Reduce cost with real time insights. Unified subledgers and guaranteed compliance using real time planning
▪ Aligned financial and management accounting
▪ Out of the box compliance with international accounting standards

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 49

Financial Services Data Management

Business Challenges
▪ Enterprise data landscapes in Financial Institutions are growing increasingly complex
▪ New regulatory requirements need to be adhered to and managed, and investors require more accurate and timely
information
▪ Emerging data sources, trends and technologies challenge the effectiveness of data warehouses in supporting
analysis and decision making
▪ Data silos, data copies, closed systems and ‘opaqueness’ due to data swamps

Solution
▪ The SAP Financial Services Data Platform is an innovative approach trying to solve these challenges, while
overcoming technological limitations with SAP HANA coupled with additional products for additional data
warehousing tools in an integrated manner
▪ The solution includes SAP HANA (Enterprise), SAP Financial Services Data Model, SAP Power Designer, and SAP
Data Warehousing Foundation for data volume/temperature management

Benefits
▪ Openness according to data model extension, 3rd party data model integration and innovations
▪ Minimize data replication and redundancy through data federation
▪ Internal audit supported through comprehensive data management and coverage
▪ Gain complete view of customer context

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 50

Total Margin Management

Business Challenges AMPU

Postpay (€)
13,18 +1,1%
Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16
4.6
Unprofitable Customers Development

45
40

▪ Huge amounts of identified leakage

Contribution (in Mio. €)

4.4

Customers (in Mio.)

35
AMPU 4.2 30 Unprofitable
Prepay (€)
9,70 -2,0% 4.0
25
20
Customers
Negative
Contribution
Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16
3.8 15

▪ Only aggregated view of customer profitability, vast quantities of data leading to

10
3.6
AMPU 5
Partner Postpay (€)
10,35 +0,2% 3.4
Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16
0

sampling, long iteration cycles, stale data and insight

Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16

AMPU
Partner Prepay (€)
8,90 -1,5% Margin & AMPU Structure

▪ Small revenue assurance team and manual processes

Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16
Roaming
Other Cost Commission

Margin by Product Family Interconnection Cost Handset Subsidies

Roamer’s Margin
Postpay (€)
1000
21,61 € 30,00
per User
Roamer’s
€ 10,67 Margin
per User
Prepay (€) 15,34 Roamer’s Margin
Partner Postpay (€) 20,89 Roamer’s Margin
Partner Prepay (€) 19,50 Roaming Costs
Total (in Mio. €) 101

Margin Structure Total (in Mio, €)

▪ No historical view or predictive analytics capability
900
70%
Bubble Size Reflects
# of Users
800 +0,3% -3,1% +0,1% -0,5% +4,5%
60% € 4,33 Revenue

Contribution Margin (in %)

700
36% per User
50% 600 Cost
€ 2,67
14% per User Margin
40% Dec 15 Jan 16 Feb 16 Mar 16500
Apr 16 May 16 Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16 Dec €155,67Jan 16 Feb 16 Mar 16 Apr 16 May 16 Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16 Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16
9% per User
Postpay 400
30%
€ 7,67
20%
Prepay 300 Margin by Country < 0%
19% per User Margin by Product Family
0% - 10%
200 Roamer’s Margin Roaming Margin Bubble Size Reflects
Partner Prepay 11% - 20% # of Users
10% 100
21% - 30% 50%
Partner Postpay 100% 25%
0% 0 > 30%

Solution
0 10 20 30 40 50 60 Total Usage Acquisition / Customer Indirect Total 40%
Revenue Related Costs Retention Assignable Cost Margin Prepay
ARPU (in €)
Cost Cost Postpay
30%
Partner Prepay

Roamer's Margin
Partner Postpay
20%

(in %)
▪ Development of industry recognized Margin Assurance data model (TM-forum)
10%

0%

-10%

▪ Real-time visualization and analytics of all data (billions of margin driver combinations)
-20%
-40 -30 -20 -10 0 10 20
Roaming Margin per User (in €)

Bottom 10 Performers Roaming Margin by Service Type

▪ Industrialization of applications and integration with business processes Turkcell

Carrier

Tunisie Telecom
Turkey

Tunisia
Country
Roamer’s
Margin
(per user)

- 1.42

2.15
Roaming
Margin
(in Mio. €)

- 1.97

- 0.43
Roaming
Margin
(in %)

- 15.0 %

- 14.3 %
Cost
(in Mio. €)

3.67

0.87
∆ Price

+ 5%

+ 3%
∆ Cost

12 %

8%
Roaming Margin
in % of Revenue
- 5.4 %
60

50
40

30
52
10

12
3
101

48
Roaming Voice
Roaming Data

Launch Date: 30.09.2015

AMPU (in €)
12,10 AMPU
Moov
Standard
Deviation (in €)
Togo
6,03 11.21
# Users (in thsd.)- 12.2 %
- 0.10
568 0.19
Discount Ratio
+ 1% 7%
(in % of Revenue) 15,3 20
27 Roaming
Roaming
Messaging
Plan

Mio. €
Movistar Chile 1.39 - 0.12 - 13.9 % 0.21 + 4% 6% 10
Number of Customers
Status: Active Sales +0,3% -1,1% 12.74 +0,1% -0,5%
with Negative Margin
350,000 Roaming Margin
DiGi Malaysia - 0.07 - 14.1 % 0.14 + 2% 5% 0
Contract Duration: 24 Months
Tigo (10)
Inclusive Minutes: Unlimited 25 % 50 % Bolivia 75 % 4.93 - 0.21 - 11.8 % 0.40 + 2% 4%
39
Airtel India 8.45 - 0.51 - 12.5 % 0.97 + 1% 2% (20)
Number of Customers with

Benefits
-49
Inclusive Data: 3GB Recurring Negative Margin
150,000
(30)
Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16 €
-10.1Eircom8.5 € 10.5 € Ireland 17.8 € 7.90 Dec 15 Jan
- 1.46
16 Feb 16 - 8.6
Mar%
16 Apr 16 2.60
May 16 1Dec
% 15 Jan 161 %Feb 16 Mar 16 Apr 16 May 16

Claro Peru 2.41 - 0.32 - 7.2 % 0.81 0% -1 % (40)

14
KFZO Iran 10.03 - 0.57 - 8.4 % 1.12 0% -1 % (50)
Revenue Cost Margin
Margin & AMPU structure Product Benchmarks and Hardware Sold with Product
Usage related Roaming 50%

▪ €10s of millions of identified actionable insight

Red 3GB Bubble Size represents
On top Other cost Commission

AMPU (in %)
40% Call Ya Total Margin in Mio. €
Subscription Interconnection Handset subsidies
cost 30% Red 8GB Smart M
25 20%
€ 37.67
€ 15.69
per user

Margin structure total (in Mio, €)

per user 10%
20
Revenue 0%

▪ Granular view of customer profitability and ability to visualize and interrogate

Volume (in Units)
Cost 50%
15 € 2.41
42%
Margin Huawei P9 Samsung S6
per user € 2.82
40%
6% per user € 4.76

AMPU (in %)
7% per user LG G5
10 € 12.10 30% Microsoft Lumia 950
13% per user

5 20% iPhone 6
iPhone 6s

all data real-time; quick iteration cycles 0

100%

Net
Revenue
Usage
Related Costs
Acquisition /
Retention
Cost
Customer
Assignable
Cost
Indirect
Cost
32%

Total
Margin
10%

0%
HTC

Volume (in Units)

▪ Productized approach, industrialized processes and integration with existing Service type

Subscription
Revenue, Cost and Margin Breakdown (Total in Mio. €)

National
Revenue

15.63
0.00
Costs

5.67
1.89
Margin

9.96
-1.89
AMPU Bins # of Users
AMPU
(in €)
AMPU Clusters
Total Margin
(in Mio. €)
Total Revenue
(in Mio. €)

7,3
Interconnect Cost Roaming Cost Content Cost
(in % of Revenue) (in % of Revenue) (in % of Revenue)

30% 30%

processes
Voice > 20 € 25,5
Roaming 0.81 1.76 - 0.95
6,7
National 0.76 1.26 - 0.50 23%
Data 3,4
Roaming 1.52 2.44 - 0.92
10 € - 20 € 20% 20%
Messaging SMS 0.54 0.75 - 0.21 13,3 5,3
Premium Services 0.18 0.11 0.07 18%
6,3

▪ Determine trends, ‘learn’ and predict

Music 0.14 0.08 0.06 0 € - 10 €
TV 0.36 0.21 0.15
1,6 12%
Content Journal 0.05 0.01 0.04 - 3,0
-10 € - 0 €
Games 0.41 0.20 0.21 1,3 8% 8%
1,6 7%
Security / App 0.66 0.11 0.55 - 10,1 6%
Other 0.38 0.10 0.28 4%
< -10 € 0,4 3%
Ʃ 21.44 14.59 6.85 0,2 0,6 2% 2%

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 51

Intelligent Data for the Intelligent Enterprise

Business Challenges
▪ Modern market surveillance solutions are required to reduce risk against regulation non-compliances
(e.g. triggering alerts in max. 5 seconds), increase surveillance quality (e.g. by providing cross-domain
surveillance), and enable new revenue channels in mid-term (e.g. provide surveillance solutions to other stock
exchanges)
▪ Applying data science logic to orderbook in order to create additional insights
▪ Establishing a next generation data management platform that will help them reduce time to market for existing
solutions, and to potentially establish new solutions for their customers

Solution
▪ HANA provides a solid foundation for market surveillance, delivering required performance such as data capture
rate (200K per second per input stream) and data processing time (less than a second latency for alerts)
▪ Use HANA PAL to run K-Means clustering algorithm on order book and identify different order clusters which can
be used for multiple purposes, such as to understand where the liquidity is among the buyers and sellers
▪ Automate data extraction from thousands of web pages in minutes, using HANA Text Analysis linguistic
capabilities

Benefits
▪ Streamlined data ingest in real-time
▪ Ability to share data assets across brands
▪ Create new data driven products and business models

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 53

Accelerator for ASE (A4A)

Business Challenges
▪ Modernization of legacy reporting environment, fits into customers existing Sybase landscape
▪ Leverage all of the features of SAP HANA

Solution
▪ This capability in SAP HANA allows SAP ASE applications to run analytics in-memory on transactional data, enabling smarter transactions and faster reporting (up
to 100x)
▪ Customers who sometimes have invested over 20 years in writing Transact-SQL stored procedures for reporting can run them with minimal change, significantly
faster, against a copy of their data in HANA
▪ Adds next generation capabilities to customers legacy ASE data management environments – modernized tooling, administration, advanced analytic capabilities
and specialty engines

Benefits
▪ Real-time P&L permits better understanding of the balance sheet to facilitate trading / liquidity; better pre-trade controls aligned with P&L
▪ More time for analysis to determine Fixed Income premiums / discounts in times of stress
▪ Deeper analytics to assess risk-adjusted profitability against systemic risk in corporate bond credit spreads, pattern effects of global trade, emerging market
performance, debt-financed investments, volatility of interest rates across maturities, frequencies, etc.
▪ New applications can be developed on the ASE data now hosted in HANA, leveraging built-in engines:
text, spatial, time series, graph and function libraries
▪ Provides a path to even faster query and report acceleration and can be stepping stone to HANA migration

back
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Employee Insights

Business Challenge
▪ Administrative users need data to optimize their human resources operations
▪ Key users need transparency into position budgeting, payroll, benefits, travel, training, performance, and
employee engagement

Solution
▪ Institutions can use the SAP HANA and SAP Analytics Cloud to track all aspects about employees and
staff
▪ SAP HANA can provide connectivity to on-premise or cloud-based recruiting, budgeting, personnel,
payroll, travel, and talent management systems
▪ Data modeling for position budgeting, payroll, benefits, travel, training, performance, and employee
engagement
▪ Predictive and ML capabilities to optimize funding and resources

Benefit
▪ Improve access to and predict costs
▪ Improve administration effectiveness
▪ Improve risk and compliance profiles

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 60

Talent Exchange

Business Challenges​
▪ For the Human Resources department of big organizations the process of frequently moving employees
can be very complex – it is not uncommon that one third of the entire workforce move positions within the
organization every year
▪ With increasing numbers the process becomes more inefficient, opaque and increasingly complex to
manage
▪ The data can be siloed within separate business lines and be buried in spreadsheets, making the process
even more complicated

Solution​
▪ SAP Cloud Platform based extension of SuccessFactors
▪ Talent Exchange’, a suite of SuccessFactors extension applications on the SAP Cloud Platform that
manage open positions and available employees efficiently and transparently​

Benefits​
▪ Real-Time Information for staffing decision makers​
▪ Bolsters ability to place the right people, with the right skills, for the right position, at the right time
▪ Provides easily accessible, consistent, real time information for staffing decision makers
▪ Maximizes employee development and drives competitive advantage through people
▪ Enables strategic staffing, better analytics, and streamlined processes
▪ Increases line-of-sight across business lines for resourcing needs and available candidates

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 61

Employee Attrition (HR)

Business Challenges Indicative Solution Components/

▪ Increase employee satisfaction and productivity BOM:
▪ Inability to understand reasons people leave their jobs ▪ SAP HANA Enterprise edition
▪ Monitoring most important KPIs in one single view and understanding ▪ SAP Analytics Cloud – Data
their trends and impact on employee attrition rate Visualization
▪ SAP Cloud Platform – Application
Solution Development
▪ Unified HANA data model that brings together monthly HR payroll and
training data, monthly campaigns and effectiveness rates, employee
survey results and HR reviews and communications and other external
factors from the market / competitors
▪ Data Integration/automation and orchestration from external (web, pdf,
python and twitter) and internal source systems (HANA ML models) via Benefits
Data Hub ▪ Monitoring most important KPIs and impacts/trends for employee attrition
▪ Employee Attrition ML Models and Campaign behavior Analysis through time to improve employee satisfaction and reduce attrition
▪ On-the-fly most important HR KPIs calculations ▪ Understanding the main reasons of departures from surveys and internal HR
▪ What-if attrition simulation (based on the attrition model: what will happen data and what if analysis help companies increase their productivity and
if we change some of the key influencing parameters) employee satisfaction
▪ Intelligent app for real time monitoring, simulation, decision support (what- ▪ Boost in employee engagement, job satisfaction, and overall performance
if analysis) feedback loops

back
© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 62
Operation Control Center and Intelligent Dashboards for HR

Business Challenges
▪ HR systems contain employee data, pay information, engagement scores, as well as unstructured data
like performance reviews, or emails
▪ The data is often unreliable, and information is missing
▪ Most HR reporting is ad-hoc, and different extracts are manually combined
▪ This situation blocks systematic identification and quantification of people drivers of business outcomes

Solution
SAP SuccessFactors
▪ Using SAP Analytics Cloud / SAP Digital Boardroom as basis for a data-driven, real-time HR operations
SAP Analytics Cloud
control center
▪ Unified data connected with financial data, enables HR representatives with interactive, drill-down
analysis to support decision making processes
▪ Connected to S/4HANA, SAP SuccessFactors, and SAP Fieldglass

Benefits
▪ Improved budget planning and control
▪ Optimized staffing levels
▪ Better employee satisfaction
SAP Fieldglass
▪ Reduced turnover SAP Analytics Cloud

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 63

Dashboarding and Analytics for Contingent Labor

Business Challenges
▪ Contingent workforce encompasses (i) traditional temporary talent, sourced via staffing vendors, agencies
and suppliers, (ii) complex contract talent, which is comprised of SOW-based projects, professional
services, or consultants and (iii) independent contractors
▪ Data and intelligence are becoming critical to understand ramifications of this diverse and volatile
workforce like quality management, project output, cost of this talent, and how they fit into the long-term
plans of the larger enterprise

Solution
▪ SAP Fieldglass as cloud solution for contingent labor SAP Fieldglass
▪ SAP Analytics Cloud and SAP Data Intelligence as basis for an data-driven real-time analytics support for SAP Analytics Cloud
decision-making processes

Benefits
▪ Better tracking of spend against enterprise budgets
▪ Better workforce planning across all worker types
▪ Visibility into projects or initiatives that utilize contingent labor
▪ Allow executives to accurately plan, budget or forecast for the future

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 64

Real Time Energy Monitoring

Business Challenges
▪ Imbalance between energy control, planning and consumption leading to millions of
dollars of losses per year

Solution
▪ SAP HANA based solution for consumption monitoring serving as analytical data
intelligence presenting planned, consumed and current consumption data
▪ Data retrieved from different sources, to identify timely critical deviation of consumption in
real time

Benefits
▪ Timely detection of deviation in consumption to avoid high costs of fines
▪ Transparency to analyze the sources of fraud or lost data to prevent unauthorized manual
data correction
▪ Capability for operational reaction on unexpected events and accidents
▪ Analytics to reduce purchase cost for electricity
▪ Improving operational excellence by turning existing data into the base for actionable
insights that leads to reduced spend

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 65

Energy Management Analytics – Consumption Monitoring

Business Challenges
▪ Reduce increasing network emissions and energy consumption: enable industrial clients to understand
their IoT/energy big data sources and identify and target opportunities to reduce consumption, including
predictive hardware planning & optimization, improved technology selection, and offer development
Geospatial view on
▪ Enable its customers to reduce their emissions: sophisticated energy analytics, enabled by integration with
usage & consumption
S/4HANA and EAM

Solution
▪ SAP HANA and SAP IoT Services based energy analytics solution to correlate and visualize key data
sources including usage, consumption, technology, and time of day
▪ Leveraged advanced analytics to enable prediction of multiple energy and network usage/ savings
Predict what will
scenarios happen in future

Benefits
▪ Significant energy consumption savings per year
▪ Supports growth of non-commodity business
How can I influence
what will happen?
(Application with
embedded analytics)

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 66

Energy Efficiency

Business Challenges
▪ Engage with customers to reduce their energy footprint
▪ Get a better understanding of the total energy consumption across the customer’s infrastructure, in order
to not only generate / purchase the required electricity to operate the total network, but also to reduce
customer’s peak energy loads
▪ Determine the right solution to balance out energy peaks, allowing to postpone additional CAPEX
investments for peak handling

Solution
▪ Normalizing different data sources and data structures, by establishing a data platform containing both
demand and supply energy patterns across very different assets and locations
▪ Leveraging SAP HANA streaming analytics to ingest energy consumption data in real-time and
leveraging embedded predictive algorithms to proactively notify operations on possible peaks, so they
can turn down of turn off secondary systems to reduce overall peak energy consumption

Benefits
▪ Ability to off-set energy peaks
▪ Increase in energy supply reliability
▪ Postpone and reduce investment in energy infrastructure, at the same time extending life of existing
energy assets Smart Grid for Sustainable Power Supply at SBB

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 67

Smart Building Management

Description
▪ Collect and analyze anonymous data on the space utilization, occupation and usage of a building based
on sensors mounted on desks, walls, and ceilings
▪ Constantly measure the issues which are important for office locations, such as space occupation,
temperature, CO2 levels, light intensity, and humidity, to enable smart and sustainable decision-making

Business Challenges
▪ Multitude IoT input data and sensor readings need to be integrated, aligned and processed in order to
optimize building parameters such as energy management, space occupancy, air quality, and
temperature

Solution
▪ Collection and processing of IoT sensor-generated data reflecting the space utilization, occupation and
usage of a building.
▪ Personalized analytical insights per each of four user groups: facility managers, employees, cleaning
personnel and executives
▪ Integration to Heijmans BeSense IoT platform
▪ Visual modeling via the Mendix development platform

Benefits Business Centricity

▪ $$ Reduce energy cost – improve energy use and management through energy monitoring and Integrated Platform Suite
analytics
▪ $$ Increase occupancy rate – Improve space and facilities management with better monitoring of costs, Open Architecture
revenues, and space utilization
$ = low $$ = medium $$$ = high
▪ $$$ Improve customer experience by enabling proactive measures based on the actual situation and
real-time building adjustments (e.g. air flow, temperature etc.)
▪ $$ Reduce facilities management cost with integrated and open innovation platform
© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 68
Profitability and Cost Management

Business Challenges
▪ Comprehensive profitability and performance management require the combination of SAP for Utilities data
with non-SAP systems covering power generation, power transmission & power distribution
▪ Building utility specific dashboards, forecasts, simulations, transfer pricing models, etc. from scratch is
cumbersome and difficult to maintain

Solution
▪ Leverage SAP Profitability & Performance Management (by MSG Global) for end-to-end insights,
forecasts, simulations as well as global transfer pricing models
▪ Use pre-built utility specific content as well as pre-built integration points to combine data from SAP with
non-SAP systems
▪ Leverage HANA’s advanced analytical processing engines such as graph, spatial, etc., in combination with
high execution speed

Benefits
▪ Increase in profitability
▪ Faster time-to-market

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 69

Extended Enterprise Content Management

Business Challenges
▪ Operating in a regulated industry, financial services are finding it hard to efficiently manage the creation,
review and approval of documentation requiring input from various departments
▪ Organizational and IT silos are preventing banks to efficiently and securely share relevant financial
documentation

Solution
▪ Leverage OpenText Extended ECM for Financial Services to create and review documents and
consequently make them readily available from with SAP applications
▪ Leverage HANA’s advanced analytical processing engines such as graph, spatial, etc., in combination
with high execution speed

Benefits
▪ Improved straight through processing
▪ Improved contract management
▪ Higher employee and customer satisfaction

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 70

Commercial Project Management

Business Challenges
▪ Difficult to plan and control the execution of thousands of asset projects
▪ Decision making often based on outdated data
▪ Challenge to assess project risk, and financial impact of project changes often unclear
▪ Difficult to coordinate and collaborate with 3rd parties

Solution
▪ Integration of SAP Digital Boardroom and SAP Analytics Cloud with SAP PMM
▪ Correlates financial indicators such as Net Present Value of planned investments with assessed project
risks
▪ Dynamic calculation of risks based on project criticality, vendor history, contractual implication and
change effort

Benefits
▪ Accurate, real-time data for decision making by stakeholders
▪ Decision makers can easily review the current status of asset construction and maintenance projects
without the need to dig into the expert applications in PPM
▪ Allows asset intensive companies to closely monitor execution and budget consumption of asset
projects and put these KPIs into the context of the risk level for an individual project
▪ Gain valuable insights into schedule and cost performance of projects

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 71

Real-Time Data Anonymization for Business Data

Authentication &
Business Challenges User Management
▪ Increasingly strict data protection and privacy regulations, such as EU GDPR (General Data Protection
Regulation) – anonymize customer data including energy data
Encryption
▪ Combining existing and new data into a single data universe Anonymization
▪ Data breaches can damage brand reputation, and result in regulatory fines, and law suits

Solution SAP
▪ Leverage SAP HANA native capabilities for real-time user and customer data anonymization, and HANA
access to anonymized data
▪ Fully integrated with authorization and SAP HANA’s security frameworks Masking
Authorization
▪ Custom definition of anonymization views
▪ Original data stays unchanged (and secured)

Benefits Auditing

▪ State-of-the-art anonymization technology protects and leverages sensitive or personal data (e.g.
medical records) for use cases where this data could not be used before due to rules and regulations
▪ Special data protection officer view for analysis
▪ Compliance with regulations. Comprehensive security model, resilient against attacks
▪ Data commercialization business models based anonymized data

© 2020 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC 72

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