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As boundaries within and between enterprises become increasingly permeable, there is a greater need for information flow. This is inhibited by the "Information silos" formed by traditional software applications. Service Oriented Architecture (SOA) replaces these silos with loosely-coupled services, enabling information to flow as needed, and delivering enterprise agility. This is a case study from ING Card, a division of the ING Group, member of the Jericho Forum of The Open Group. It describes the first phase of their SOA implementation, with services that are hard-wired rather than dynamically discoverable. It illustrates how even this stage of SOA can deliver real business agility, and contains some interesting lessons for SOA implementation.

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