Chapter 1 IntroduCtIon to dIgItal experIenCe platforms The banking XP is typically a layered system providing a loosely coupled platform. The platform will be used by customers, admin, and bank staff. The core platform consists of three layers: presentation layer, business layer, and integration layer. The presentation layer provides user interface components such as widgets, pages, web analytics, localization, personalization, and visualization components. These components define and impact the end-user experience. The business layer consists of core business components to implement the business logic, transactions, and workflows and provide collaboration features. The integration layer provides integrators and plugins to interact with enterprise interfaces through lightweight services. Enterprise interfaces include customer relationship management, wealth management systems, content management system, document management system, search engine, enterprise services, enterprise resource planning, core banking system, enterprise service bus, etc. The platform also provides various utilities and accelerators such as loggers, caching components, and taxonomy and exception handlers. Three Ps of BXP The three Ps of BXP are as follows: • Purpose: Customer satisfaction, customer retention, growth of digital services, integration with other partners, reduce time to market. • Process: Banking organization assessment of each major value stream to make sure each step is valuable, capable, available, adequate, flexible, and that all the steps are linked by flow, pull, and leveling. • People: Bank customers, admin, and bank staff. Sample Technical Capabilities of Banking Experience Platform Table 1-5 is a sample list of technical capabilities for a banking XP: 21