When studying Internet user habits, Wells Fargo came across a surprising revelation – although the amount of time that individuals spend online has leaped significantly over a 16 year time frame (from 2000 to 2016), only around 3% of that time is allocated to browsing about financial services. This got Eric Halverson, SVP, Head of Gateway Support & Services at Wells Fargo, thinking about their existing distribution channel and how it can be improved to provide better experiences for people. For Eric (and Wells Fargo), doing what’s right for customers means not only answering customer expectations, but exceeding them and building relationships that last a lifetime. Enter the Wells Fargo API Gateway, created using our open source WSO2 API Manager. This platform delivers all their products and services to customers’ digital experience of choice and supports all of Wells Fargo’s business units across the company.
Eric Halvorson presenting a keynote at WSO2Con USA 2018
Yet how do you begin to provide APIs to customers all around the world? Upon realizing there were no large banks in the US that had an API platform, a team of 4 from Wells Fargo spoke to banks in Europe and Southeast Asia, in addition to companies in the US who had built API platforms. Following which Wells Fargo decided to expand this particular team from 4 to 150 within six months. They also decided to use agile, and in essence live the agile manifesto, over the waterfall fashion. The API Gateway was launched on September 2016, with 5 APIs and DevPortal 1.0 (the latter was very basic at the time, although it had all the functionalities for integration).
Fast forward to July 2018, Wells Fargo had hundreds of implementations with many customers who are performing multiple API implementations. The platform provides streamlined on-boarding for both new and existing partners, round the clock operations and support, and multiple security layers in addition to the existing risk management controls. They’ve also launched DevPortal 2.0 which bagged a Monarch Award for its creativity and innovation.
Engaging with their community of customers and partner groups takes precedence for Wells Fargo. They’ve repeatedly heard from customers about the difficulties they face when implementing large scale platforms. Which is why from the project’s inception, Wells Fargo went that extra mile to ensure that customers can integrate easily. The fastest onboarding time so far? One day!
Customers and partnerships will continue to be at the forefront as Wells Fargo continues to explore the many API opportunities that are out there. Currently they’ve identified 3 areas of interest: creating API products for wholesale customers, partnerships with 3rd party platforms, and accelerate Wells Fargo integrations with vendor solutions. Eric explains further, “As we gain more experience with our customers and see how our integrations work, we’ll open up to more as we go along. It’s a constantly evolving strategy of trying to be where the puck will be – we want to be where the industry is moving before it gets there.”
Some use cases of the Wells Fargo API Gateway include account aggregation, ACH payments, and foreign exchange. Retail customers are a big beneficiary of account aggregation APIs, as they can control access to their data through a product named Control Tower™ which Wells Fargo introduced specifically for this purpose. Customers can check their account balance and activity data on approved aggregator sites. As the top ACH payment provider in the US, Wells Fargo has built up their transactional APIs to be re-used, allowing customers to move from one experience to another with minimal changes to their resources underlying the APIs. Customers who need to transfer funds internationally benefit from the foreign exchange platform, which is directly connected to customers’ ERP or customer portals. These customers can obtain a foreign exchange quote, book a deal, and settle the payments all in one go. “We’re making people’s lives richer by embedding financial services in the moment they’re at, and delivering services to where the customer is at rather than making them come to us,” concludes Eric.
Watch Eric’s presentation for more details about the Wells Fargo API Gateway.
Learn more about WSO2 API Manager. Did you know? We were named as a Leader in The Forrester Wave™: API Management Solutions, Q4 2018 Report. You can download this report here, no details required.
A packed audience of CXOs and solutions architects greeted us at our first WSO2 Summit for the year in London recently! Held in several locations around the world, WSO2 Summit offers C-level executives and architects a valuable opportunity to speak to our leadership, and discuss how WSO2 technology can help organizations create successful digital transformation strategies.
This year’s Summits are held on the theme of enabling organizations to create their digital transformation strategies and put them into practice. Our CEO Tyler Jewell started the event in London with an introduction to the many reasons as to why enterprises can choose the open source WSO2 platform for digital agility. He also gave a brief recap of our performance last year, including the growth of our global customer base and the other exciting initiatives we have planned for this year.
Continuing on the topic of digital agility, our CTO and Co-Founder Paul Fremantle elaborated on why the only competitive organizations in the future will be those that create adaptive digital experiences for their customers. Paul discussed in detail about what he means by an adaptive enterprise, how enterprises can become more adaptive, and the needs of such enterprises i.e. both centralized and decentralized integration, and architectural units of composition. His talk concluded on the point that open source (and open cross cloud) is of immense value in the business architecture of an adaptive enterprise.
Business architecture and the importance of adapting to change also formed the basis of Asanka Abeysinghe’s discussion. Asanka, who’s the VP of architecture at the CTO office, shared the essential guidelines for building a business architecture – understand consumer behavior, seek to create new consumer experiences, select the right channel to engage with them, and take advantage of data to improve these experiences. He then explained how the different WSO2 product capabilities (API management, integration, identity and access management, and analytics) can be used to connect, create, secure, and govern digital enterprises.
WSO2 Summits also feature success stories of enterprises that have used our technology to create digital transformation strategies and innovative experiences for their customers/users. The first of these stories was presented by the Malta Information Technology Agency (MITA), on how they used WSO2’s API management and integration capabilities to create myHealth NG application, enabling better interactions between patients and doctors, and thereby facilitating better primary healthcare services for individuals. Brian Muscat, a solutions architect from MITA who delivered this story, recounted the challenges which MITA had to overcome (such creating a secure and scalable application, creating an architecture resilient to change), in order for this project to become successful.
The other success story was presented by Wheeve (a WSO2 Partner), on how they used WSO2 technology to deliver business value for one of their customers in the engineering industry. Jack Hanison, CTO and Co-Founder of Wheeve, described how their customer faced certain data matching issues in several operational areas, which eventually had an impact on their financial reporting, revenue recognition, and overall customer perceptions of the organization. A cloud hosted WSO2 platform was used to overcome these challenges and improve business operations – resulting in cost savings for the organization.
A huge thank you to both Wheeve and Chakray who supported the WSO2 Summit in London as Partner Sponsors!
The Summit may have concluded in London, but we’re heading to Chicago and New York in June, and Sydney and Sao Paulo in October! If you’re in any one of these locations, do drop by to meet Tyler, Paul, and Asanka and discover what WSO2 technology can do for your enterprise.
E-Government platforms are growing in popularity globally and with good reason – when implemented, these platforms help improve transparency, allow data exchange, support data-driven decisions, and lead to cost reduction. In Moldova, the government’s digital transformation agenda and strategy to modernize public services are overseen by the e-Government Center Moldova. This public institution has introduced MConnect – a cloud based interoperability platform powered by WSO2’s Integration capabilities.
“MConnect is the technical solution for the whole framework we do around data exchange in government,” says Artur Reaboi, enterprise architect at E-Government Center Moldova. Artur believes that there are two benefits to data exchange in government – it lowers the number of requests for documents from various government organizations and enables real-time access to data, thereby improving the efficiency of services. From the time that E-Government Center Moldova was initially set up in 2010, Moldova’s government had data-rich registries and the institution’s aim is to use MConnect to link these registries. This process is done via a centralized hub where E-Government Center Moldova is the sole organization responsible for this process, thereby ensuring operations run as smoothly as possible.
E-Government Center Moldova built a National Service Bus, based on WSO2 Enterprise Integrator, which they implemented together with WSO2 Certified Partner iello. Simplicity is a core characteristic of this platform. For example , data providers are encouraged to create generic services, where the National Service Bus is provided with increased data, which is then divided depending on the legal access of data consumers. MConnect consists of the following: interfaces for data consumption and data sources (mediation occurs between these interfaces), the MLog platform based on elasticsearch and has its special connector, and the planned Semantic Catalog (a registry of public data available at various data sources).
MConnect has demonstrated clear benefits since its implementation. Around 30 public authorities (from central ministries) are a part of this platform, and it’s now been expanded to include local public authorities. Artur estimates that E-Government Center Moldova processed approximately 25 million messages in 2017 – which is astounding for a country of 3 million. Furthermore, over 65 web services are in production and it only has an added latency of 100 milliseconds.
“Interoperability is a journey,” says Artur and his single most important piece of advice is that implementation is faster when centralized. Moreover, he encourages implementing generic services, considering the fact that it’s more cost-effective, and building a team of committed integration specialists (willing to stay for the long haul) for a project of this nature. More interesting plans are in the offing for E-Government Center Moldova, which include promoting Interoperability Law, implementing the previously mentioned Semantic Catalog, and modernizing public services to improve service quality for citizens.
Artur’s presentation has more details on the MConnect platform:
Learn more about the capabilities of WSO2 Enterprise Integrator and how it can be implemented in your digital transformation initiatives.
How does banking middleware evolve with the times to offer new services to customers and stay competitive globally? ING Model Bank underwent this transformation by using WSO2’s integration platform to perform key functions, as it sought to ensure information integrity and security, high performance, and superior customer experiences.
Traditionally, banks have big hosts given the complexity of systems and the number of processes that need to be supported. Yet to adapt to customers’ evolving needs (and new services), such systems have to change. Transforming banking middleware stacks begin with identifying three main problems and altering approaches used to tackle them:
Oversimplification – avoid oversimplification. Be ready to manage an “in motion” architecture and learn to design for changes (lowering costs in the process as well).
Big migration – apart from consuming resources, big migrations freeze an organization’s capacity to respond to customer needs. Learn to design for micro-changes instead.
Separating customer needs from technology – customer needs evolve, and technology must support this and processes must be linked accordingly.
A common solution to the above is to use the Bus pattern, which is a mix of the Canonical Data Model and Common Command Set, with a common communication mechanism. Implementing a Bus pattern can be done using either a broker or broker-less approach. While both these approaches have their advantages, they also have several drawbacks such as adding delays and complexity to the deployment. In such a context, Miguel Garcia, an enterprise architect at ING Model Bank, advocates using a hybrid model: “It’s by far the simpler approach.” The hybrid model has the best of both broker and broker-less approaches, and can be deployed in common scenarios faced worldwide. ING uses WSO2 integration technology (WSO2 Enterprise Service Bus and WSO2 Message Broker), by creating one common BUS created on REST and EVENT APIs managing interactions between all applications (or components).
“We use WSO2 as a broker because we really like the simplicity,” says Miguel. By using WSO2 ESB, ING is able to deploy APIs automatically from their development lifecycle using Swagger definitions with zero down-time. Integration is also accelerated by the ESB’s ability to provide API prototyping using scripting. Having successfully transformed using WSO2’s integration capabilities, Miguel also shares some best practices for undertaking similar projects:
In-depth knowledge of the product (such as how it manages interactions in complex scenarios) is essential for deriving the best possible benefits from the product.
Use the latest version of the product.
Use a clear templating system for traceability, monitoring and logging.
Clear definition of the common message and its properties to manage messages.
To find out more about these best practices, watch Miguel’s presentation:
We’re delighted to welcome John Saylor to our team as the General Manager – Global Channel Sales. John will take ownership of our partner strategy, as we look ahead to developing a closer alignment with our partner ecosystem and delivering great digital transformation experiences for customers. He’s a passionate advocate of partnering to deliver success for organizations: “More feet on the street provides a market presence and momentum that propels companies forward in the industries as an industry leader that creates market drag for each partner’s solutions – everyone wins,” says John. In building a partner network, John plans to amplify the velocity of partner onboarding of WSO2 solutions, keeping the WSO2 brand intact with a new logo “Powered by WSO2” in solutions that utilize the WSO2 embedded technology.
John comes from a very impressive, diverse, and interesting professional background spanning 36 years. This includes 23 years at Quest Software (acquired by Dell), 11 years at Hewlett-Packard, and 2 years at Western Digital. He later used his expertise to start his own company, working with several technology companies to develop their businesses.
And what does John find compelling about WSO2? Its impressive growth and of course, the people! He’s full of enthusiasm for WSO2: “My attraction was WSO2’s acceleration in the marketplace that’s helping customers adopt a 24/7 cost-effective digital transformation with APIs, events and streams, while also working with software vendors to embed technology quickly, addressing security, governance and identity as well as Open Banking. The brilliant people at WSO2 is one of the biggest assets!”
John’s other big passions include his family, the ocean, travel, live music and sporting events, car shows, and charity events. In fact, if you find yourself in Laguna Beach in California where John’s based, he’d love to show you the surfing, sunsets, music venues, and arts events in the city.
The Netherlands has a long history of water management, owing to a significant proportion of its landmass being below sea level. At present, there are 22 regional water management authorities in the country. One such water management authority is Hoogheemraadschap Hollands Noorderkwartier (HHNK) which partially relies on citizens’ taxes to carry out its important work. Recently, HHNK created an online tax portal using WSO2’s integration platform, which reduced costs, improved efficiency and transparency, and facilitated a simpler tax payment process for Dutch citizens.
HHNK is responsible for various activities – building dams and dykes, sewage water purification, road safety (as some of these routes are based along dams and dykes), water storage, and crisis management. They engage with 1.2 million citizens and 30,000 companies who pay taxes, has water control assets amounting to 1,000 miles of embankments, 17,771 miles of canals, and overlooks an area of approximately 500,000 acres of land.
The digitization of the tax payment process has its beginnings in 2013, when the Dutch Government introduced a policy stating that all services offered by government agencies must be carried out electronically. At the same time, HHNK was also looking at ways to improve services to citizens. On assessing their technology architecture, they realized that there was minimal integration and a large number of applications (around 400 in fact at the time). HHNK was looking to implement a service oriented architecture (SOA) with decoupling and reusability of services along with a canonical data model. “People accessed data from an application, which was then taken to another application for uploading. This process resulted in errors at times. When there was integration, it was mostly point to point and we suffered a lot of vendor lock-in. By striving to an SOA and loosely coupled applications, we are now far more flexible than in the past,” elaborates Michel Zwart, Enterprise Architect at HHNK.
HHNK’s WSO2 ESB based architecture
The architecture, developed and implemented together with Yenlo (a WSO2 Premier Certified Partner), is comprised of back office applications providing tax services when users log-in to the portal. Specialized applications are in place for communications, archiving, and other services, such as the residence service for information collection. Business application services were built using WSO2 Enterprise Service Bus.
The new system has delivered wins for residents, employees, and HHNK. The portal is user-friendly, not only making the tax payment process convenient for citizens, but encouraging them to make their payments on time as well. The portal is transparent and provides an online statement of accounts for taxpayers. As for HHNK, they have been able to make some big cost savings. Telephone calls have reduced by 25%, saving them around €40,000 a year due to the presence of the online statement of accounts. They have managed to save about €350,000 a year on hiring costs through the reduction of internal resources, and lower banking costs as a result of direct online transfers. Overall, HHNK has experienced a total cost reduction between €400,000 to €600,000 a year.
There is more good news – HHNK even won an award for providing 100% digitally available services. With these successes, HHNK is looking ahead, and there are plans to introduce WSO2’s API Manager into their architecture. “We will continue to innovate with WSO2,” says Michel.
Watch Michel’s presentation below for a more in-depth discussion of how HHNK digitized their tax payment process.
Find out more about how you can optimize business processes, integrate legacy systems, create digital assets, and more with WSO2’s integration platform.
iJet International provides customized risk management solutions, underpinned by intelligence, to global organizations for enhanced functionality and profitability. Their global intelligence experts monitor the world around the clock and empower their clients to respond to events such as natural disasters and political upheavals. The R&D at iJet is owned by their innovation arm, iJet Labs, who transformed their identity and access management (IAM) systems using WSO2’s IAM and API management capabilities. This transition was driven by a need to become more competitive, agile, and improve their business value for customers.
The pre-WSO2 days at iJet Labs were challenging, if it were to be described in one word. A centralized IAM solution was absent and in its place, there were purpose-built custom applications. As the user base increased, scalability became difficult and iJet could not always meet their various customers’ exact requirements. iJet Labs understood that it was imperative to create a centralized solution, which can be delegated to their clients to help meet their requirements and give them greater control of managing their credentials. At the time, user provisioning was a manual process. Even though this process was functional for several years, it was not necessarily user-friendly – there were examples of users repeating this process multiple times as they needed to access different types of systems.
Adding to their list of challenges, the architecture was an issue. From its inception in 1999, iJet has continually added many applications to their architecture, built on a central database. Yet again scalability proved to be problematic, as an application had to be scaled in its entirety and this was time consuming (though possible). “We are a product company, it is very important for us to market our ideas from the product team within the shortest possible timeframe. We need that market advantage, and this legacy architecture made it too difficult for us to be competitive,” says Ismail Seyfi, Lead Software Architect at iJet Labs.
iJet upgraded their architecture using WSO2 capabilities and migrated their servers to a WSO2 managed cloud. As big advocates of open source, Alfresco, Liferay, GeoServer, and Apache applications also contribute to their architecture. The WSO2 IAM platform has replaced iJet’s custom-built user and access management system. This introduction did not disrupt any existing applications, which now use proxy-based authentication. WSO2’s API management platform has enabled iJet to write microservices and replace their monolithic applications.
iJet Labs’ aspirations were not solely limited to revising their architecture, there were several deployment goals in mind as well. They wanted to build and configure an environment where new products could be developed efficiently without causing any interference to other development projects in progress. This was achieved by using an iJet development stack (which separates environments, installs software, and integrates them into one environment), base installation of WSO2 products and automated configuration. Ansible was adopted as the infrastructure and configuration tool. The positive results have become evident at iJet International. The changes have allowed them to integrate environments efficiently, provide dedicated environments to each development stream, sync environments with production, eliminate manual changes, and provide a single source of truth for configurations.
Integrating 50 software applications in just three months – this is the feat Chakray Consulting UK achieved for the University of Exeter using WSO2’s integration capabilities. A part of the Russell Group, the University of Exeter is renowned for its research intensive agenda. As with any world-class educational institution, the University of Exeter seeks to build winning partnerships with their diverse student base and employees, create an impact with their research and ensure their strategies are future-oriented. Their digital strategy falls within this framework and a university of this scale (over 20,000 students, approximately 4,000 employees and campuses located in multiple locations) has several different systems in operation.
“Integration is strategic, it is always long term,” explains Jack A. Rider, CTO of Chakray Consulting. Accordingly, the university wanted to discard their legacy systems and adopt a cloud framework and service-oriented architecture. The beginning was quite daunting – as there were over 50 third party applications to contend with, and much of the time was spent on meetings alone (around 1,500 hours as shown by a rough calculation). Yet, the project was made easier because the university’s enterprise architects had a precise idea of the architecture they aspired to. Furthermore, Chakray Consulting has developed a solutions accelerator to build WSO2 platforms from code. As the name suggests, it expedites this process.
Selecting a cloud provider raised some issues as well initially – the Zero solution enabled them to create this on-site, Chakray then used AWS, switched to Microsoft Azure and reverted to AWS (without causing any significant changes to the project timelines). The current architecture uses a range of systems – SQL Server, Oracle Database, Git repository and Amazon Aurora to name a few. WSO2’s integration platform was used as the modular design, was absolutely necessary for integration of this scale, engages with continuous integration and automation technologies to enable the Zero solution, and could be used for hybrid and cloud deployments.
Now that the integration has proved successful, Jack is especially thankful for the encouraging leadership extended by the University which, in his opinion, is one of the lesser mentioned aspects of large-scale projects.
Transport for London (TfL) has a daily challenge – to keep a city of over 8 million people moving around the metropolis. Its magnitude can neither guarantee the transport system will always absorb commuters nor give them a congestion-free experience. It is a place where the smallest of changes would have a massive impact on your journey. Citing an example, Roland Major, a former enterprise architect at TfL, says that a London Underground strike once saw a 3% increase in traffic and a staggering 90 minute increase in journey time. Estimates project a 60% increase in congestion around central London by 2031.
Given all these complications, TfL decided to become more intelligent with technology to reduce commuter times, make the roads safer for pedestrians, cyclists and drivers, and to slow the pace of traffic. Intelligence and data with a purpose are the buzzwords here. “We need better understanding of real-time demand. What insight can we get from our data, and how can we get innovative with all this information?” says Roland. He was actively involved with TfL’s Surface Intelligent Transport System (or SITS), a project that aims to better manage the city’s entire road space of pavements, cycle lanes, and motorways.
SITS’ business proposition is that it can offer billion pounds’ worth benefit to London by identifying delays in the road networks sooner than it is done at present: “We weren’t detecting incidents, and by the time we have detected them, they were already over. With technology, we can see these incidents early. We recognized that the market can do sensible things with our data,” says Roland. For example, within the traffic light system in London, TfL manages an estimated 7,000 junctions around the city and 14,000 magnetometers detect millions of daily events. This data is discarded after analysis; however, if used, TfL realized that the response time to delays improved by 15 minutes.
TfL has a 10 year plan in place, with all the of different required components mapped out. Data analytics form the core of this operational model. Data is obtained from GPS systems and bus routes. The road incidents are logged and used to determine what additional information is needed to understand and manage each leg of commuter journeys. All the data is hosted on the cloud and currently TfL is in the process of adding these components to the framework.
TfL’s transport management system
London’s new road management system relies on WSO2’s API management, integration, identity and access management, and analytics products for the intelligent work needed. These products are deployed on a private cloud managed by WSO2. The starting point – LondonWorks, a registry of all road works and street related events, both planned and current, in the Greater London area. LondonWorks is used to assess road networks, coordinate the various road works to minimize congestion and for inspection, compliance, and monitoring. Maps and forms of type data have been integrated to allow entry of incidents into the system and their identification on the map.
As their model progresses, TfL has ambitious plans for all the data they have streaming in – big data analytics to give them more insights to road movements, which will enable them to give the necessary alerts and empower them with smarter ways to deliver better, safer commuter experiences for London.
Picture a scenario where you are analyzing the results of a marketing survey which shows that a high percentage of consumers prefer same day shipping, online tracking of their orders, choice of shipping options, and deliveries within a specific time slot. Then you find out that retailers already fulfill around 65% of these needs, but there is a gap in the market, a gap that you can fill by offering a novel service. This is precisely what UK-based logistics and delivery service provider, CitySprint did when they developed the On the dot delivery service, which allows shoppers to receive their orders during a one hour time slot of their choice without extra costs.
“We wanted to positively disrupt the time slot delivery space. In doing so, we wanted to build an API ecosystem that sparks interaction, open new channels and reach new streams of revenue,” says Eduard Lazar, Senior Solutions Consultant at LastMileLink Technologies (a CitySprint Innovation Lab). At the heart of of this project was generating value for users and driving innovation, “On the dot is all about convenience for consumers, be it as a fulfillment method or in terms of collection and delivery time slots. We also wanted to simplify integration and create a developer community through our API ecosystem,” he adds.
Defining the key challenges was one of the first steps before introducing On the dot to consumers. To begin with, CitySprint had to move their data centers to the cloud in order to become a cloud native platform. They also had to create open RESTful APIs, enable identity federation, foster innovation so that it can result in a community of developers who will think up new marketable ideas and simplify integration. Selecting open source software is one of main tenets at CitySprint, and as such, they set about developing an open source platform made of WSO2’s API management, integration and identity and access management capabilities, using a DevOps approach. Meanwhile, the architecture was developed using Apache’s Tomcat and Cassandra, and WSO2Carbon used for continuous deployment.
By placing API management at its core, CitySprint has been able to achieve the required functionality and formed their innovation community (an interesting anecdote on the latter, a TechSprint event was organized where high profile companies sent teams of developers to CitySprint to build innovative products within 24 hours. Results have been quite amazing with an added bonus of introducing CitySprint to new leads).
From a business perspective, implementing this project was primarily underpinned by issues of costs, in addition to those of speed, integration, lifecycle, and skillset. When CitySprint introduced more complexity into the system, this also meant they potentially introduced a time lag. Yet, can this platform control costs through simplification and reuse? Is there a way to save time by simplifying integration? Is the skillset future proof? Can they model the whole lifecycle?
The result – On the dot – answers all the above with a yes. On the dot cloud native platform has empowered CitySprint to enter the market with an adaptable platform, which allows developers to self-sign and begin using the APIs, it is integrated as there are multiple systems working together, they have also connected data and devices, integrated platforms with those of their partners, and connected the user experiences of both customers and partners. Following their successes in the UK, plans are underway to make On the dot a global phenomenon and CitySprint is certain they can achieve this with the right technology.