Kuveyt Türk needed to increase the flexibility, scalability, and transparency of its core banking system to speed the deployment of offerings that make use of the bank’s 5 terabytes of customer and financial data. To do so, the bank built a new mission-critical system with the Microsoft platform. As a result, the bank has boosted innovation, scalability, and performance—and reduced the time-to-market of customer-focused services.Business Needs
Kuveyt Türk provides retail and corporate banking services through the Internet and its 140 branches in Turkey and overseas. Since its founding in 1989, the bank has acquired nearly TRY8.6 billion (U.S.$6 billion) in assets, and it expects this number to grow by 300–400 percent over the next three years. To facilitate its expansion, Kuveyt Türk depends on its core banking system to deliver fast performance and high levels of availability. Any delays in system response times reduce customer satisfaction, minimize profitability, and jeopardize compliance with regulations. “Seconds are important to us in measuring how quickly we can deliver services to our customers,” explains Huseyin Cevdet Yilmaz, Head of the Audit and Risk Group at Kuveyt Türk.
||Time-to-market is so important to us. The core banking solution that we created with the Microsoft platform gives us the flexibility and agility we need to rapidly create mission-critical offerings.
||Dr. R. Ahmet Albayrak
Executive Vice President of the Banking and Services Group
Before 2009, the bank’s infrastructure ran on a client-server architecture that was inflexible and difficult to modify. Not only did this restrict scalability, it also hindered business agility. The bank also lacked comprehensive data-analysis tools to help identify opportunities for differentiated, customer-focused services. In addition, as the existing infrastructure neared capacity, system performance also slowed.
To maintain its leading position in a very competitive market, Kuveyt Türk began a two-year evaluation of core banking technologies. It sought a flexible solution that could accelerate the time-to-market of customer-focused offerings and enhance system performance.Solution
Kuveyt Türk decided to design and build its own core banking solution on a service-oriented architecture (SOA) using the Microsoft platform. By creating its own solution, the bank could gain the flexible, customer-centric focus it sought and reuse many of its existing processes. In 2009, a team of 10 engineers from the bank designed the three-tiered solution that runs on the Windows Server 2008 R2 Enterprise operating system.
The database—which includes 5 terabytes of data and 2 billion rows—resides on one HP DL580R07 server computer running Microsoft SQL Server 2008 Enterprise data management software. The client layer includes multiple interfaces developed with Windows Presentation Foundation. The application layer includes reusable web services, among them one that orchestrates automated processes. This layer is supported by Internet Information Services (IIS) 7.0 and six HP ProLiant BL460c G6 server computers.
To create services—or migrate existing ones—the team uses the Microsoft .NET Framework 4, Microsoft Visual Studio 2010 Professional, and Microsoft Visual Studio Team Foundation Server 2010. To facilitate extensibility and interoperability, engineers create service interfaces that use Windows Process Activation Service, Windows Communication Foundation, and the Simple Object Access Protocol. In addition, the team employs the SQL Server Audit feature to track and log system events and SQL Server Service Broker to handle asynchronous messaging.
The team also implemented Microsoft BizTalk Server 2009, to communicate with third-party systems, and Microsoft Dynamics CRM, to help manage and analyze customer data. To promote IT availability and performance, the team deployed Microsoft System Center Configuration Manager 2007 R2 and Microsoft System Center Operations Manager 2007 R2. These applications monitor systems and transaction flow and alert IT personnel about errors or events. The bank also uses Microsoft System Center Service Manager 2010 to help it comply with industry regulations.
Before releasing the SOA into production in January 2010, the team engaged Microsoft Services to test and tune it. By October 2010, nearly one year after it had deployed the core components of its infrastructure, the bank had migrated half of its services to the new solution. It plans to complete the migration by 2012.Benefits
By creating a core banking solution with Microsoft technologies, Kuveyt Türk has increased its ability to innovate, scale, and rapidly deliver highly available services.Boosts Innovation
“By creating a SOA with the Microsoft platform, we have a more customer-centric infrastructure that gives us a 360-degree view of our customers,” says Dr. R. Ahmet Albayrak, Executive Vice President of the Banking and Services Group at Kuveyt Türk. “This capability is very important in helping us to compete with other banks.”
Adding new functionality and services is also easier. “We recently added money-counting machines in our branches to help automate deposits,” says Irfan Yilmaz, Executive Vice President of Retail and Business Banking at Kuveyt Türk.Enhances Scalability and Service
Scalability and system performance are no longer issues for Kuveyt Türk. In fact, performance will increase even as the database grows to contain a projected 5 billion rows of data in just three years. “Our new system reduces system response times by 80 percent—to just 30 milliseconds,” says Mücahit Gündebahar, Chief Software Architect at Kuveyt Türk.
The enhanced capacity and performance of the bank’s IT infrastructure promotes stability and availability—as do the company’s system-management tools. “We are using Microsoft System Center products to help maintain 99.999 percent availability and optimum performance,” says Gündebahar.Accelerates Time-to-Market
With its new solution, development at the bank is 50 percent faster. “Time-to-market is so important to us,” says Albayrak. “The core banking solution that we created with the Microsoft platform gives us the flexibility and agility we need to rapidly create mission-critical offerings.”
Developers have boosted efficiency in many ways. “We can use Windows Presentation Foundation to present data using rich screens and dashboards,” explains Aslan Demir, IT Group Manager at Kuveyt Türk. “This was not easy for us to do in the past, and the enhanced interfaces really improve end users’ experience.”This case study is for informational purposes only. MICROSOFT MAKES NO WARRANTIES, EXPRESS OR IMPLIED, IN THIS SUMMARY.