IBM Systems magazine, Mainframe - September/October 2019 - 20

"Fintechs are building on open source, so adding
Linux and its ecosystem to enterprise platforms gives
® Ä ÇÄÃ%É$(ÇÉ%Ã Ç'ÆÉ &%ÃÄ Èî &ÉÇ%ÃÄÉÃ
access to the innovative technologies being
developed by the community."
L!ÈÄÃ*!Ä %QÃ"$!$ÄÃÈ$ÉÇ&!$QÃ)"-Ã, '0/.%ÃÄ$É& 

"Financial transactions used
to be cyclic and now they're all
day long, 24-7-365," says Maura
Schoonmaker, program director for
IBM Z and IBM LinuxONE banking
Ä Èî Ä ÇÄÃÄ$É&Ã È'%&$1Ã!ferings. "Having an enterprise platform behind that, which is always
available and able to handle those
)!$!ÄÈ%QÃ%ÃÉ1Ã!$ÃÄ 1î Ä ÇÄÃ
institution."

Digital Disruption

4ÉÃ&É$ÃW® &ÉÇXÃ!$ Ä&ÉÈÃÄ%Ã
shorthand for technology applied
&!î Ä ÇÄÃ%É$(ÇÉ%ÃÄ""ÇÄ&! %QÃ
not just online banking but security and analytics offerings. Usage
of the term has moved beyond its
!$ %QÃ!)É(É$NÃ4!ÈÄ1Qî &ÉÇÃ
might as easily be used to refer to a
software product such as the APIs
used to run a payment service, the
start-up developing those APIs or
the company running the digital
payment platform itself.
One real-world example of a
® &ÉÇÃ%Ã$&ÄÃ!%%É&Ã#'%&!È1Ã3É$(ÇÉ%Ãc$!#3dLÄ Ã!$Ä  Ä&! Ã&Ä&V%Ã
creating a trusted environment
for digital asset transactions. The
platform will provide end-to-end security for digital assets, encrypting
private keys in transit and at rest.
Assets will be protected from cybertheft but available to customers

in near real time, compared to a
24-hour delay with conventional offline "cold storage" solutions.
$!#3ÃÆÄ%ÉÈÃ&%Ã%1%&ÉÃ! Ã)"-Ã
LinuxONE and IBM cryptocards.
"IBM offered the most secure
"Ä&!$Ã!$Ã!'$Ã!É$ L&V%ÃÄ%Ã
simple as that," comments Brad
#' QÃÇ!I!' ÈÉ$ÃÄ ÈÃÆ!Ä$ÈÃ
ÉÆÉ$Ã!$Ã$!#3ÃÄ ÈÃ#)/ÃÄ ÈÃ
co-founder of Shuttle Holdings. "In
cryptocurrency markets, failure
to protect assets poses an existential risk. Get it wrong, and it could
bankrupt you. Together with IBM,
we've co-invented state-of-the-art
security features that are unmatched in the market."
4Éî &ÉÇÃ' (É$%ÉÃ!É%Ã
beyond pure technology to encom"Ä%%Ã ! I&$ÄÈ&! ÄÃ!$Ä  Ä&! %Ã
offering consumer services such as
budgeting and investment advising applications. A more advanced
example might be a messaging
provider that offers mobile payments or currency exchange to its
'%É$Ã É&)!$NÃ3'ÇÃ!$Ä  Ä&! %Ã
typically maintain deposit accounts
with a banking partner but aren't
responsible for licensing or charters themselves.
At the next level are neo-banks,
which are online entities accessible
only via desktop or mobile platforms. Because they don't have to

20 | SEPTEMBER/OCTOBER 2019 IBMSYSTEMSMAG.COM

maintain physical branches, they
operate with a fraction of the overhead and staff of a conventional
ÆÄ NÃ) &Ä1QÃ&É%ÉÃ!$Ä  Ä&! %Ã
still stored their deposit accounts
with bricks-and-mortar banks.
Bank Zero, a South African
digital bank, is an example of a
neo-bank. Bank Zero has no physical branches. Instead, when the
bank launches later this year, its
customers will conduct all transactions using a banking app. In
partnership with IBM, Bank Zero
Ç$ÉÄ&ÉÈÃÄ ÃÉ &$É1Ã($&'Ä ÉÈÃ
IT platform based around IBM
LinuxONE. "In a digitally connected world, employing cutting-edge
technologies and delivering
state-of-the-art security is at the
core of innovation," said Bank Zero
#!I&!' ÈÉ$ÃÄ ÈÃ#Ä$Ä Ã-ÇÄÉÃ
Jordaan. "As we focus on delivering
a robust banking value proposition
to our customers, collaborating
with IBM will ensure that we have
a secure, leading platform from
which to deliver banking services."
Incumbent banks are also
paying attention. Most major
banks already have online and
mobile banking platforms. Others are working hard to deliver
the neo-bank experience without
requiring customers to leave their
ÄÄ$î Ä ÇÄÃ!É%NÃ


http://www.IBMSYSTEMSMAG.COM

IBM Systems magazine, Mainframe - September/October 2019

Table of Contents for the Digital Edition of IBM Systems magazine, Mainframe - September/October 2019

Table of Contents
Editor's Desk: The times, they are a-changin'
Currents: Combatting ocean pollution with blockchain
Currents: Japan's Fukui Bank transforms business and migrates to IBM Cloud
Currents: On the web
Currents: z/OS Container Extensions frequently asked questions
Currents: 'Mainframe Mike" The Game' teaches children about IBM Z
Currents: (Re)Designed to deliver
Currents: Solutions
Currents: Blockchain could improve vaccine supply chains and medical record tracking
Partner POV: Cultivate the right IT skillset to increase customer centricity
Cover Story: Innovation in Financial Services: IBM Z and LinuxONE underpin fintech efforts
Feature 1: An Agile Approach to Your Multicloud Strategy: 5 insights to consider for a successful cloud-native development experience
Feature 2: Opening the World: Open-source models enhance security, heighten control, lower costs and enable collaboration
TECH Showcase: New workloads demand extraordinary storage performance, reliability and manageability
Techbits: COBOL celebrates 60 years
Techbits: Tailored Fit Pricing for IBM Z unlocks the full power of the platform
Techbits: Ask the expert: IBM Support
Beyond the Box: IBMer Peter Relson photographs wildlife in its natural habitat
Reference Point - Global Events, Education, Resources for Power Systems
2019 Mainframe Solutions Edition Product Index
IBM Systems magazine, Mainframe - September/October 2019 - Intro
IBM Systems magazine, Mainframe - September/October 2019 - Cover1
IBM Systems magazine, Mainframe - September/October 2019 - Cover2
IBM Systems magazine, Mainframe - September/October 2019 - 1
IBM Systems magazine, Mainframe - September/October 2019 - 2
IBM Systems magazine, Mainframe - September/October 2019 - 3
IBM Systems magazine, Mainframe - September/October 2019 - Table of Contents
IBM Systems magazine, Mainframe - September/October 2019 - 5
IBM Systems magazine, Mainframe - September/October 2019 - Editor's Desk: The times, they are a-changin'
IBM Systems magazine, Mainframe - September/October 2019 - 7
IBM Systems magazine, Mainframe - September/October 2019 - Currents: Japan's Fukui Bank transforms business and migrates to IBM Cloud
IBM Systems magazine, Mainframe - September/October 2019 - Currents: z/OS Container Extensions frequently asked questions
IBM Systems magazine, Mainframe - September/October 2019 - Currents: Solutions
IBM Systems magazine, Mainframe - September/October 2019 - 11
IBM Systems magazine, Mainframe - September/October 2019 - Currents: Blockchain could improve vaccine supply chains and medical record tracking
IBM Systems magazine, Mainframe - September/October 2019 - 13
IBM Systems magazine, Mainframe - September/October 2019 - 14
IBM Systems magazine, Mainframe - September/October 2019 - 15
IBM Systems magazine, Mainframe - September/October 2019 - Partner POV: Cultivate the right IT skillset to increase customer centricity
IBM Systems magazine, Mainframe - September/October 2019 - 17
IBM Systems magazine, Mainframe - September/October 2019 - Cover Story: Innovation in Financial Services: IBM Z and LinuxONE underpin fintech efforts
IBM Systems magazine, Mainframe - September/October 2019 - 19
IBM Systems magazine, Mainframe - September/October 2019 - 20
IBM Systems magazine, Mainframe - September/October 2019 - 21
IBM Systems magazine, Mainframe - September/October 2019 - 22
IBM Systems magazine, Mainframe - September/October 2019 - 23
IBM Systems magazine, Mainframe - September/October 2019 - Feature 1: An Agile Approach to Your Multicloud Strategy: 5 insights to consider for a successful cloud-native development experience
IBM Systems magazine, Mainframe - September/October 2019 - 25
IBM Systems magazine, Mainframe - September/October 2019 - 26
IBM Systems magazine, Mainframe - September/October 2019 - 27
IBM Systems magazine, Mainframe - September/October 2019 - 28
IBM Systems magazine, Mainframe - September/October 2019 - 29
IBM Systems magazine, Mainframe - September/October 2019 - Feature 2: Opening the World: Open-source models enhance security, heighten control, lower costs and enable collaboration
IBM Systems magazine, Mainframe - September/October 2019 - 31
IBM Systems magazine, Mainframe - September/October 2019 - 32
IBM Systems magazine, Mainframe - September/October 2019 - 33
IBM Systems magazine, Mainframe - September/October 2019 - 34
IBM Systems magazine, Mainframe - September/October 2019 - 35
IBM Systems magazine, Mainframe - September/October 2019 - 36
IBM Systems magazine, Mainframe - September/October 2019 - TECH Showcase: New workloads demand extraordinary storage performance, reliability and manageability
IBM Systems magazine, Mainframe - September/October 2019 - 38
IBM Systems magazine, Mainframe - September/October 2019 - 39
IBM Systems magazine, Mainframe - September/October 2019 - 40
IBM Systems magazine, Mainframe - September/October 2019 - 41
IBM Systems magazine, Mainframe - September/October 2019 - Techbits: COBOL celebrates 60 years
IBM Systems magazine, Mainframe - September/October 2019 - Techbits: Tailored Fit Pricing for IBM Z unlocks the full power of the platform
IBM Systems magazine, Mainframe - September/October 2019 - 44
IBM Systems magazine, Mainframe - September/October 2019 - 45
IBM Systems magazine, Mainframe - September/October 2019 - Techbits: Ask the expert: IBM Support
IBM Systems magazine, Mainframe - September/October 2019 - 47
IBM Systems magazine, Mainframe - September/October 2019 - Beyond the Box: IBMer Peter Relson photographs wildlife in its natural habitat
IBM Systems magazine, Mainframe - September/October 2019 - Cover3
IBM Systems magazine, Mainframe - September/October 2019 - Cover4
IBM Systems magazine, Mainframe - September/October 2019 - Reference Point - Global Events, Education, Resources for Power Systems
IBM Systems magazine, Mainframe - September/October 2019 - 2019 Mainframe Solutions Edition Product Index
IBM Systems magazine, Mainframe - September/October 2019 - SE2
IBM Systems magazine, Mainframe - September/October 2019 - SE3
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