"Multichannel applications and architecture today need to take care of the different behavior of channels to provide a basis for the full emergence of ubiquitous banking (Intelligent Devices Will Drive Ubiquitous Banking). Bank executives involved in application development and delivery as well as architecture need to ensure that their applications don’t support any individual channel, but consist of a layered approach isolating channels and business functionality. App dev and delivery staff needs to:
- Focus on either building functionality or delivering functionality over the channels within the framework of a defined multichannel framework or solution – but not at both at the same time.
- Build or select the multichannel architecture in a way that channel-specific aspects are located in a clearly defined and cohesive layer of the architecture.
With this approach, a bank’s business decisions will become independent from channels that may or may not be used for a given product or service: The mobile channel won’t exist anymore. As soon as we will see more convergence of channel technology, the need for this kind of multichannel approach will become smaller and smaller."
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