{"id":30989,"date":"2022-11-06T12:06:32","date_gmt":"2022-11-06T17:06:32","guid":{"rendered":"http:\/\/www.charanis.com\/blog\/2022\/11\/a-year-with-microservices-and-omnichannel-banking\/"},"modified":"2022-11-09T10:42:16","modified_gmt":"2022-11-09T15:42:16","slug":"a-year-with-microservices-and-omnichannel-banking","status":"publish","type":"post","link":"https:\/\/www.charanis.com\/blog\/2022\/11\/06\/a-year-with-microservices-and-omnichannel-banking\/","title":{"rendered":"A year with Microservices and Omnichannel Banking"},"content":{"rendered":"\n<p>Omnichannel &#8211; that won\u2019t get a lot of hits on my blog. But Microservices will. The reality is Omnichannel is overused but it is important. And microservices have enabled it. Last year I shifted from enterprise solutions to our digital first solutions &#8211; selling the combined solutions between our Channel Services Platform and D3 Digital Banking &#8211; this year I continued the work. We are building applications that are truly microservices based, operating in the cloud and driving contract first applications that are accessible via APIs or our delivered end user experience. That end user experience can be on any device, anywhere. But is that Omnichannel or really something much more than that. It is less about having the same experience in each channel and more about creating fit for purpose applications for each user on the device they choose to use. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-large is-resized\"><a href=\"https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/charanis-NCR-1-scaled.jpeg?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/charanis-NCR-1.jpeg?resize=343%2C457&#038;ssl=1\" alt=\"Jim at NCR\" class=\"wp-image-31040\" width=\"343\" height=\"457\" srcset=\"https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/charanis-NCR-1-scaled.jpeg?resize=768%2C1024&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/charanis-NCR-1-scaled.jpeg?resize=225%2C300&amp;ssl=1 225w, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/charanis-NCR-1-scaled.jpeg?resize=1152%2C1536&amp;ssl=1 1152w, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/charanis-NCR-1-scaled.jpeg?resize=1536%2C2048&amp;ssl=1 1536w, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/charanis-NCR-1-scaled.jpeg?w=1920&amp;ssl=1 1920w, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/charanis-NCR-1-scaled.jpeg?w=1400&amp;ssl=1 1400w\" sizes=\"auto, (max-width: 343px) 100vw, 343px\" \/><\/a><figcaption class=\"wp-element-caption\"><strong>Sitting in a chair blending in &#8211; ha!<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<p>And what I mean by we &#8211; yes NCR and the clients I\u2019m working with. But I also mean the industry. It truly amazes me what is possible today with cloud based technology and a smart, full stack developer. When you think about how many times we have tried to do this and we are finally doing it. Reading some of my other posts it was truly mind bending to me how we have started and failed but now it works. Looking back on the first post I made when I joined NCR: <a rel=\"noreferrer noopener\" href=\"https:\/\/www.charanis.com\/blog\/2019\/05\/microservices-and-other-shifts-in-techspeak\/\" target=\"_blank\">Microservices and other shifts in techspeak<\/a> my thoughts on how architecture has changes is manifested finally today. It took us a while to get there but we really are creating applications that leverage microservices to create unique customer and banker experiences where banking becomes conversational between users, applications and in the future A.I. <\/p>\n\n\n\n<p>When you build in today\u2019s full stack tech you can truly deliver an application that can be as simple as an API others use to a full blown teller system that we will soon be delivering to Wintrust Bank and eventually Citibank in 2023. This platform ties right into digital, physical and hybrid devices like kiosks, ATMs and lockers. Physical branches with people interacting with tablets, workstations and mobile phones. Systems interacting with other systems, IP based devices and even back office AI business services to make smart decisions in session. <\/p>\n\n\n\n<p>So this idea of a shared session fascinates me. We all are in shared sessions every day &#8211; sure think realtime but think beyond that. Today we are delivering unique capabilities that are based on shared sessions between users accessing the same microservice. In the future we will be delivering rally powerful multi-device, multi-user applications across all of our digital first applications. When you have devices and people accessing the same common business services (microservices and APIs) you can create really cool interactive services. A customer walks into a branch with their mobile banking enabled phone. They engage with a banker who also has microservices enabled applications on their device. They connect and the customer is authenticated via their phone with multi-factor step up that is so much more secure than a person looking at a drivers license. The customer\/member initiates and approves transactions with the same shared business services &#8211; in shared session. A supervisor approves a transaction also in the same transaction. Now expand that in your mind to an A.I. in the background acting as that banker. It really is special. I can\u2019t wait to see how we continue to bring this into digital banking and to change the way bankers use and benefit from technology. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Omnichannel &#8211; that won\u2019t get a lot of hits on my blog. But Microservices will. The reality is Omnichannel is overused but it is important. And microservices have enabled it. Last year I shifted from enterprise solutions to our digital&hellip; <\/p>\n","protected":false},"author":1,"featured_media":31040,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":true,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[14,13,4,2],"tags":[21,36,76,35,108],"class_list":["post-30989","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-tech","category-mobile-tech","category-technology","category-thoughts","tag-banking","tag-fintech","tag-microservices","tag-mobile","tag-omnichannel"],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/charanis-NCR-1-scaled.jpeg?fit=1920%2C2560&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/p3mX8K-83P","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":29017,"url":"https:\/\/www.charanis.com\/blog\/2019\/06\/23\/esb-enterprise-service-bus-or-an-evolving-services-buzzwords\/","url_meta":{"origin":30989,"position":0},"title":"ESB: Enterprise Service Bus or Evolving Services Buzzwords","author":"Jimmyc","date":"June 23, 2019","format":false,"excerpt":"I've been spending a lot of time thinking about microservices and ESBs (the Enterprise Services Bus) and what it means for my banking friends and customers. There is a lot of confusion out there - what is an ESB and who is using them in banking... here are some thoughts\u2026","rel":"","context":"In &quot;Banking Tech&quot;","block_context":{"text":"Banking Tech","link":"https:\/\/www.charanis.com\/blog\/category\/banking-tech\/"},"img":{"alt_text":"The Red Devil Bus in Panama, often targeted for retirement, but hanging on like legacy banking technology","src":"https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2019\/06\/panamabus-1-2-1.jpg?fit=500%2C334&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":28979,"url":"https:\/\/www.charanis.com\/blog\/2019\/05\/23\/microservices-and-other-shifts-in-techspeak\/","url_meta":{"origin":30989,"position":1},"title":"Microservices and other shifts in techspeak","author":"Jimmyc","date":"May 23, 2019","format":false,"excerpt":"Over the past 30 years selling technology solutions, the raw materials of the products I sell have changed many times. Shifts from centralized to decentralized processing and data models, optimization for the hardware we were operating on, business trends swinging from corporate consolidation to startup disruption. These are all contributing\u2026","rel":"","context":"In &quot;Banking Tech&quot;","block_context":{"text":"Banking Tech","link":"https:\/\/www.charanis.com\/blog\/category\/banking-tech\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2019\/06\/CloudThoughts-JC.jpg?fit=1200%2C880&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2019\/06\/CloudThoughts-JC.jpg?fit=1200%2C880&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2019\/06\/CloudThoughts-JC.jpg?fit=1200%2C880&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2019\/06\/CloudThoughts-JC.jpg?fit=1200%2C880&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2019\/06\/CloudThoughts-JC.jpg?fit=1200%2C880&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":29096,"url":"https:\/\/www.charanis.com\/blog\/2021\/07\/23\/driving-devices-iso-202022-and-faster-payments\/","url_meta":{"origin":30989,"position":2},"title":"Driving Devices ISO 202022 and Faster Payments","author":"Jimmyc","date":"July 23, 2021","format":false,"excerpt":"I came to NCR to sell a modern ATM driving and transaction processing platform. The goal was to leverage a platform that was focused on transforming messages and building in flexibility to adjust for what was to come, not what was already on the shelf. Part of that was thinking\u2026","rel":"","context":"In &quot;Banking Tech&quot;","block_context":{"text":"Banking Tech","link":"https:\/\/www.charanis.com\/blog\/category\/banking-tech\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":31021,"url":"https:\/\/www.charanis.com\/blog\/2022\/11\/09\/data-exchange-to-shared-sessions-where-treasury-management-and-digital-banking-wants-to-be-now\/","url_meta":{"origin":30989,"position":3},"title":"Data Exchange to Shared Sessions &#8211; Where Treasury Management (and Digital Banking) Wants to Be Now","author":"Jimmyc","date":"November 9, 2022","format":false,"excerpt":"Problem\/Solution Bank's exchanging data with their commercial customers to manage their finances and execute payment transactions: Realtime connections between the companies and their financial institutions so that the information exchange is realtime, integrated, robust and efficient. And dare I say, it just happens: embedded banking. I have the benefit of\u2026","rel":"","context":"In &quot;Banking Tech&quot;","block_context":{"text":"Banking Tech","link":"https:\/\/www.charanis.com\/blog\/category\/banking-tech\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/data-exchange.jpg?fit=1200%2C434&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/data-exchange.jpg?fit=1200%2C434&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/data-exchange.jpg?fit=1200%2C434&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/data-exchange.jpg?fit=1200%2C434&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2022\/11\/data-exchange.jpg?fit=1200%2C434&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":29032,"url":"https:\/\/www.charanis.com\/blog\/2019\/07\/08\/why-and-how-we-went-from-saas-to-cloud-services-to-apis-its-just-business\/","url_meta":{"origin":30989,"position":4},"title":"Why and How we went from SaaS to Cloud, Services to APIs &#8211; It&#8217;s just Business!","author":"Jimmyc","date":"July 8, 2019","format":false,"excerpt":"Just how does Amazon or Google scale to such a huge number of transactions or inquiries? How are these companies able to afford to serve so many customers every day, with new services, nonstop again and again? The economics behind the lift and shift from operating environments as physical servers\u2026","rel":"","context":"In &quot;Banking Tech&quot;","block_context":{"text":"Banking Tech","link":"https:\/\/www.charanis.com\/blog\/category\/banking-tech\/"},"img":{"alt_text":"reach up and get your APIs like legos","src":"https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2019\/07\/jim-cloudsAPI-1.jpg?fit=1200%2C857&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2019\/07\/jim-cloudsAPI-1.jpg?fit=1200%2C857&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2019\/07\/jim-cloudsAPI-1.jpg?fit=1200%2C857&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2019\/07\/jim-cloudsAPI-1.jpg?fit=1200%2C857&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2019\/07\/jim-cloudsAPI-1.jpg?fit=1200%2C857&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":29220,"url":"https:\/\/www.charanis.com\/blog\/2020\/01\/24\/is-it-time-for-iso-20022-atm-driving-is-it-time-to-abandon-atm-driving-all-together\/","url_meta":{"origin":30989,"position":5},"title":"Is it time for ISO 20022 ATM Driving? Is it time to abandon ATM Driving all together?","author":"Jimmyc","date":"January 24, 2020","format":false,"excerpt":"Could an ISO 20022 web-services based ATM Terminal Handler\/Driver reduce costs and accelerate innovation by consolidating applications, connections and platforms. Would bankers, ATM vendors and bank application providers get on board with such a strategy? Do we still need ATM drivers in an IOT world? One idea to help banks\u2026","rel":"","context":"In &quot;Banking Tech&quot;","block_context":{"text":"Banking Tech","link":"https:\/\/www.charanis.com\/blog\/category\/banking-tech\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.charanis.com\/blog\/wp-content\/uploads\/2020\/01\/ISO20022.png?fit=433%2C311&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.charanis.com\/blog\/wp-json\/wp\/v2\/posts\/30989","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.charanis.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.charanis.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.charanis.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.charanis.com\/blog\/wp-json\/wp\/v2\/comments?post=30989"}],"version-history":[{"count":3,"href":"https:\/\/www.charanis.com\/blog\/wp-json\/wp\/v2\/posts\/30989\/revisions"}],"predecessor-version":[{"id":31042,"href":"https:\/\/www.charanis.com\/blog\/wp-json\/wp\/v2\/posts\/30989\/revisions\/31042"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.charanis.com\/blog\/wp-json\/wp\/v2\/media\/31040"}],"wp:attachment":[{"href":"https:\/\/www.charanis.com\/blog\/wp-json\/wp\/v2\/media?parent=30989"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.charanis.com\/blog\/wp-json\/wp\/v2\/categories?post=30989"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.charanis.com\/blog\/wp-json\/wp\/v2\/tags?post=30989"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}