Our project team , working closely with Ping Identity and IC Consult , were able to implement a resilient , scalable and highly available multi- AZ cloud architecture that went live in four months . With robust foundations of an identity strategy laid down in 2021 , we have since integrated a number of banking applications . The solution has not only been well-received by customers who appreciate the improved customer experience , but the federated architecture has quickly established itself as the group-wide de facto standard for customer identity .

Alongside this , as part of the Ping Identity integration we have also benefitted from the consolidation of our heterogeneous IDP landscape , consistent implementation of industry standards for easy integration and compliance with the highest security and regulatory standards .

How did agility come into play when expanding services across 12 network banks ?

Group-wise innovation projects always require a high degree of agility . It is , however , often difficult to ensure agility in a decentralised organisation lacking standardisation across groups . While focusing on the sustainable digitisation , standardisation and consolidation of our own IT , we also needed to ensure the solution deployed was compatible with the diverse infrastructure of network banks , hence why agility was key .

The centralised IAM based on Ping products designed for agile development environments supports contemporary CI / CD processes to be able to perform continuous testing and validation of new functionalities . In addition , by closely following emerging OAuth ecosystem standards we were able to innovate while ensuring interoperability and support despite our diversified IAM technology stack across our network of subsidiaries . I cannot imagine how difficult it would have been if we ’ d go offstandard towards custom solutions .

What benefits do an omnichannel solution provide for the user experience of customers ?

True omnichannel solutions provide a seamless experience and enable FS providers to accommodate customer wishes without gaps . It ’ s something customers have come to expect .

RBI ’ s strategic goal with implementing Ping Identity ’ s solution was to develop standardised banking applications for our networks of banks , and to provide them as centralised omnichannel services .

Omnichannel also augments fraud detection . FS organisations can now unify customer activity across channels and detect potential fraud attempts from certain attributes such as the time and location on the login . For example , if a customer is active in Vienna , then an hour later from Tokyo , it ’ s likely a fraud attempt is happening and should be addressed with a high-risk rating .

Looking ahead , what ’ s in store for the modernisation project across the network banks in the future ?

At RBI , we are looking at several exciting modernisation initiatives . Firstly , we ’ re exploring how PingFederate – an enterprise federation server that enables user authentication and single sign-on – and PingOne Neo – decentralised identity – combined with Callsign ’ s banking orchestration engine , could empower our mobile banking apps to offer streamlined security capabilities . This project supports the reuse-centred application modernisation journey we ’ re currently on .

Even further , we are seeking interoperable capabilities of Strong Customer Authentication , consent , risk responsive customer authentication , delegation by customer of support topics , as well as providing verified data from wallets . All these things will enhance the customer experience .

We are following the progress regarding the EUDI-W ( European Digital Identity Wallet ). FS organisations , as well as large retailers , will be obligated to accept the EUDI-W as a means of customer identification , equivalent to displaying a physical government issued ID . EUDI-W could facilitate easier digital onboarding of new customers , while providing the highest levels of assurance .

With Ping Identity ’ s solutions , we have laid a robust foundation for our future identity strategy – and we are very much looking forward to successfully finalising this ambitious and high-profile modernisation project together .

If a customer is active in Vienna , then an hour later from Tokyo , it ’ s likely a fraud attempt is happening .

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