Gain superior agility and efficiencies with enterprise origination solution. Finacle Origination

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Gain superior agility and efficiencies with enterprise origination solution. Finacle Origination"

Transcription

1 Finacle Origination

2 Gain superior agility and efficiencies with enterprise origination solution The recent global financial meltdown has reshaped the landscape of the lending business around the world. It has spurred many new challenges. On one hand, banks have to deal with the intense competition for creditworthy customers, high non-performing assets and rigorous regulatory regimes. On the other, they must reduce their costs while at the same time catering to the sophistication demanded by customers. To succeed in this fiercely competitive market, financial institutions need to streamline their operations to serve their target markets cost-effectively with increased speed and transparency. They need to deploy robust credit management processes to safeguard the quality of their portfolios to remain profitable. However, most financial institutions are still saddled with manual-procedures and product-centric siloed origination modules leading to sub-optimal credit assessment and inconsistent processes. Such operational setups result in high cost of operations and delays in credit decision making, thereby adversely impacting the quality of customer service. Inconsistent decision making and lack of robust credit monitoring capabilities reduce the quality of loan portfolio and put banks at risk of higher defaults. In today s business scenario, it is vital for financial institutions to adopt a unified origination platform that can manage the complete credit lifecycle across loan types in a cost effective and flexible manner. Finacle Origination Finacle Origination is a best-in-class enterprise loan origination solution, which simplifies the complete credit lifecycle, across retail and commercial loans. Finacle Origination supports the end-to-end credit lifecycle from customer application to credit analysis and decisioning, followed by loan onboarding and credit monitoring across various types of loans, ensuring cost efficiencies and optimum control. It offers advanced rule-based underwriting and integrated credit monitoring capabilities, which empower banks to control risk and achieve higher credit quality to increase profitability. It is a host system-agnostic solution with readymade integration adapters and a robust integration platform to facilitate rapid integration with external credit bureaus and other enterprise applications for seamless processing. The solution s workflow management engine offers a graphical user interface to design workflow sequences and facilitates straight through processing (STP) to optimize business operations. An industry-leading user interface and process-based screen design enables rapid adoption and higher productivity. Finacle Origination is an enterprise class origination platform that is responsive to changing business needs in loans, provides agility to the bank to be competitive and helps banks meet service levels without compromise thus helping them deliver substantial ROI.

3 Functional architecture Finacle Origination Retail Commercial Quote Management Automated Qualification Rule Based Pricing Valuation Report Automated Underwriting Debt Aggregation Checklist Financial Analysis Non -Financial Monitoring Project Finance Finacle Surround Solutions Finanz Tools Alerts Application Capture Product Rules Needs list Credit Analysis Pricing Rules Deviation Management Financial Statement and Credit Scoring Rules Common Modules Fees Master Data Layer Infrastructure Layer Inquires Inquires Needs List and Checklist Rules Multi-level decisions Collateral Rules Collaterals Credit Scoring Financial and Non -Financial Monitoring Rules Alliances Rule Engine Document Management Document Generator 24/7 Multilingual Single Sign- on Integration Framework Access Control Workflow (BPEL) Reporting Audit Scheduler Finacle Integration Platform Enterprise Applications and External Credit Agencies Core Banking CRM Credit Bureaus Valuation and Title Agencies

4 Key modules Finacle Origination offers a flexible platform to originate various types of retail and commercial loan products, such as mortgages, student loans, asset-backed loans, consumer durable loans, vehicle loans, project finance, syndication and overdrafts. The solution offers extensive parameterization, reusable business rules and processes to help banks add new products. The solution consists of two broad modules: a. Retail origination b. Commercial origination Key features Advanced underwriting capability: The solution offers advanced rule-based underwriting capabilities, including point-based scoring, financial analysis, related party exposure monitoring, and deviation matrix to empower banks to implement stringent credit criteria to enhance loan portfolio quality. Real-time collaboration: The solution empowers multiple users to collaborate in processing a loan application in real-time. This results in faster and collaborative decision-making, thereby improving customer service. GUI-based workflow: An advanced workflow engine enables dynamic workflows, which add value to the entire origination lifecycle with features like rule-based load balancing, holiday balancing and Service Level Agreement (SLA) management, reducing manual intervention and improving Turn Around Times (TATs). Retail origination features Rule-based decision support: Finacle supports rule-based decisioning through bank-defined parameterization of business rules based on operational requirements, credit policies and governing regulations. This automates the decisioning process and helps achieve consistency, speed and objectivity in lending decisions. Multichannel origination: Finacle Origination is a Service Oriented Architecture (SOA)-based multichannelenabled solution, which enables banks to originate retail loan applications across channels. It can acquire prospect and application data from multiple channels and provide them with the application status on request. This expands reach to different customer touch points and enables an enhanced and seamless customer experience. Credit report and scoring: The solution gives banks the flexibility to configure a host of business rules for credit score calculation, thereby enabling them to benchmark loans against their credit policy. In addition, robust interfacing capabilities help banks obtain reports from credit bureaus to gauge the creditworthiness of loan applications. Multi-level approval: The system supports a multi-level approval workflow mechanism which allows an application to be routed between underwriters at different levels of hierarchy and then get approved as per the credit authorization matrix of the bank. Pre-qualification: The solution can prequalify loan applications to ensure that borrowers meet basic eligibility criteria, before the commencement of a detailed underwriting process. Relationship-based pricing: Leveraging an enterprise rules engine, Finacle Origination helps banks offer segmentspecific competitive pricing to optimize the return on every portfolio. The differential pricing which could be based on accounts, customers or channel preferences ensures that the loans are priced optimally, enabling banks to acquire good customers, while at the same time balancing risk and return. Commercial origination features Product bundling and group applications: The ability to originate multiple products in a single application enables banks to effectively up-sell and cross-sell to corporate customers. It provides the ability to process multiple products within a single application, as well as the capability to selectively approve or reject them. This results in better tracking and faster application processing. Debt aggregation: To provide a real picture of the risk associated with a credit application, Finacle Origination supports the computation of a borrower s total direct and related exposure, using bottom-up aggregation logic.

5 Multi-limits management: The solution supports creation of multiple limits within a single application. Limits may be created for a single customer or for a group, after which users are provided with a hierarchical view of all the limits and linked products. This gives banks a holistic view of the exposure, helping them track it at various levels and manage portfolios accordingly. Financial and non-financial covenant monitoring: Finacle Origination enables banks to define and monitor key financial and non-financial performance indicators of corporate customers during the entire borrowing lifecycle. Any deviation is highlighted, based on which the lending arrangement with the borrower might be reviewed. This allows banks to take timely corrective action and safeguard themselves from the risks associated with high value commercial loans. Spreading templates and financial ratios: The solution allows the configuration of a Financial Statement template for different industries and customer segments for the calculation of financial ratios for credit underwriting and monitoring. It also supports the capture of financial statements, such as balance sheets, income statements and cash flow statements. Checklists: Finacle Origination supports checklists, which can be used by banks to define the policies and regulatory parameters that must be adhered to while processing a credit application. Any deviation from the laid down policies and procedures is duly highlighted to the approver. Business benefits Enhanced operational efficiency With Finacle Origination, banks get an enterprise-wide platform that unifies the loan origination processes across the retail and commercial banking products. This simplifies the business technology and reduces operational costs by improving efficiencies through standardization of processes. Automation of multiple functions on a unified platform delivers Straight-through Processing (STP), which lowers manual intervention and errors. The solution s workflow management engine empowers banks to design most suitable workflow sequences to optimize business operations. The ability of the system to support multiple users collaborating on loan applications in real-time, shortens TAT and boosts efficiency and accountability by clearly dividing access and responsibility. Improved credit quality With advanced underwriting and extensive monitoring capabilities, Finacle Origination helps banks reduce risk by identifying potential bad loans early and taking proactive corrective action. With a centralized platform and the flexibility to configure business rules for credit policies, operating guidelines and governing regulation, the time and cost to compliance with internal policies and regulatory requirements reduce significantly. Business agility The extensive parameterization-based solution design helps to originate various types of corporate and retail loan products. Banks can easily add a new loan type on the platform by reusing the common business rules and processes, reducing time to market significantly. The ability to originate multiple products in a single application enables banks to up-sell and cross-sell effectively. Superior customer service Finacle Origination provides a unified view of customer information and exposure to enable faster decisions and reduce the time for processing new loans thereby improving customer service. This multi-channel enabled solution enables banks to take the origination process to the customer s channel of choice. Thanks to real-time notifications, banks can keep customers engaged more efficiently and transparently throughout the origination lifecycle.

6 About Infosys Finacle Infosys Finacle partners with banks to simplify banking and arms them with accelerated innovation to build tomorrow s bank, today. For more information, contact Infosys Limited, Bangalore, India. All Rights Reserved. Infosys believes the information in this document is accurate as of its publication date; such information is subject to change without notice. Infosys acknowledges the proprietary rights of other companies to the trademarks, product names and such other intellectual property rights mentioned in this document. Except as expressly permitted, neither this documentation nor any part of it may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, printing, photocopying, recording or otherwise, without the prior permission of Infosys Limited and/ or any named intellectual property rights holders under this document.

Accelerate Innovation. Get a 360 view of customers Finacle CRM Solution

Accelerate Innovation. Get a 360 view of customers Finacle CRM Solution Accelerate Innovation Get a 360 view of customers Finacle CRM Solution Delight customers today, retain them tomorrow The ultimate goal for any business is to attract and retain delighted customers. Transformation

More information

LET S SIMPLIFY BANKING

LET S SIMPLIFY BANKING LET S SIMPLIFY BANKING Reducing complexity in banking can result in nearly 20% increase in profits In a banking landscape marred by complexity, the simplest will thrive On average, most banks take six

More information

Infosys Business Process Management Offerings

Infosys Business Process Management Offerings Infosys Business Process Management Offerings Infosys helps clients leverage BPM to unlock the value in Digital opportunities With a dedicated Business Process Management (BPM) Center of Excellence (CoE)

More information

AMBIT LOAN ORIGINATION A New Approach

AMBIT LOAN ORIGINATION A New Approach AMBIT LOAN ORIGINATION A New Approach Overview A key area of focus for many banks is loan origination; a part of banking still typified by fragmented, paper-based, largely manual activities, and characterized

More information

Digital Transformation with Intelligent Solutions from Infosys and Pega

Digital Transformation with Intelligent Solutions from Infosys and Pega Digital Transformation with Intelligent Solutions from Infosys and Pega Introduction Today, organizations want smart digital initiatives that can transform their business to drive top and bottom line growth.

More information

Digital Marketing. SiMplifieD.

Digital Marketing. SiMplifieD. Digital Marketing. Simplified. DIGITAL MARKETING PAIN POINTS Research indicates that there are numerous barriers to effective management of digital marketing campaigns, including: Agencies and vendors

More information

ACCELERATE INNOVATION. Get direct access to customers. Finacle Direct Banking Solution

ACCELERATE INNOVATION. Get direct access to customers. Finacle Direct Banking Solution ACCELERATE INNOVATION. Get direct access to customers. Finacle Direct Banking Solution A new way to reach tomorrow s customers As financial institutions seek to thrive in a changing world, they have realized

More information

Flexible and Agile Service Delivery Platform Elevates Customer Experience

Flexible and Agile Service Delivery Platform Elevates Customer Experience Case Study Flexible and Agile Service Delivery Platform Elevates Customer Experience Abstract Infosys partnered with McCamish Systems, now a subsidiary of Infosys BPO, to develop and implement a scalable,

More information

FINACLE FINANZ TOOLS. Bring your products to life

FINACLE FINANZ TOOLS. Bring your products to life FINACLE FINANZ TOOLS Bring your products to life In today s highly progressive and complex banking industry, thoughtful bankers understand that the customer is king. Attracting and retaining those customers

More information

Capgemini BizLender 360 SM An Integrated Straight Through Processing Solution for Business Lending Origination

Capgemini BizLender 360 SM An Integrated Straight Through Processing Solution for Business Lending Origination Capgemini BizLender 360 SM An Integrated Straight Through Processing Solution for Business Lending Origination Using technology and expertise to boost efficiency, enhance decision making, improve compliance,

More information

An Oracle White Paper October 2010. Siebel Financial Services Customer Relationship Management for Banking

An Oracle White Paper October 2010. Siebel Financial Services Customer Relationship Management for Banking An Oracle White Paper October 2010 Siebel Financial Services Customer Relationship Management for Banking Executive Overview Banks are in constant interaction with customers. A winning and proven strategy

More information

Finacle Core Banking Solution

Finacle Core Banking Solution Finacle Core Banking Solution Is your bank ready for tomorrow? The financial services industry is undergoing significant transformations. Mergers, consolidation, expansion, shifting customer preferences,

More information

INFORMATION CONNECTED

INFORMATION CONNECTED INFORMATION CONNECTED Cover Your Lending and Leasing Business from All Angles Oracle FLEXCUBE Lending and Leasing Define. Comply. Collect. Adapt. A Comprehensive Solution for All Your Lending Needs The

More information

Capgemini BizLender 360 An Integrated Straight Through Processing Solution for Business Lending Origination

Capgemini BizLender 360 An Integrated Straight Through Processing Solution for Business Lending Origination In Collaboration with SM Capgemini BizLender 360 An Integrated Straight Through Processing Solution for Business Lending Origination Using technology and expertise to boost efficiency, enhance decision

More information

Wrap and Renew Digital SOA Catalog Offerings

Wrap and Renew Digital SOA Catalog Offerings Wrap and Renew Digital SOA Catalog Offerings Introduction and market scenario An explosive nexus of four digital forces mobile, cloud, social media, and big data combined with the Internet of Things (IoT),

More information

WHITE PAPER. Myths Surrounding CRM Systems

WHITE PAPER. Myths Surrounding CRM Systems WHITE PAPER Myths Surrounding CRM Systems The evolution of CRM systems over time has seen them progress from tracking tickets to acting as a system of records to becoming a system of interaction across

More information

WHITEPAPER. Automation in environment management: A wellspring of efficiency. Abstract

WHITEPAPER. Automation in environment management: A wellspring of efficiency. Abstract WHITEPAPER Automation in environment management: A wellspring of efficiency Abstract Agility is the key for the IT function in an organization to be able to respond quickly to changing business conditions.

More information

Introduction. External Document 2015 Infosys Limited

Introduction. External Document 2015 Infosys Limited Digital Building deeper consumer relationships through experience contextualization and personalization, analytics for insights-driven action, and digital program execution for superior ROI. Introduction

More information

Dynamic Claims Processing

Dynamic Claims Processing Dynamic Claims Processing 2 TABLE OF CONTENTS 1 Dynamic Claims Management... 3 2 TIBCO s Dynamic Claims Management... 7 3 Why TIBCO?...13 4 ABOUT TIBCO...14 3 Claims processing is one of many equally critical

More information

ASSET FINANCE. Break Through.

ASSET FINANCE. Break Through. ASSET FINANCE Break Through. SUNGARD ASSET FINANCE A Global Partner For Business Transformation SunGard Asset finance 01 SunGard Asset Finance helps banks, captives and independent finance companies respond

More information

Making Every Project Business a Best-Run Business

Making Every Project Business a Best-Run Business SAP Functions in Detail SAP Business Suite SAP Commercial Project Management Making Every Project Business a Best-Run Business Table of Contents 3 Quick Facts 4 Facilitating Optimal Project Delivery for

More information

Take control of lending credit risk

Take control of lending credit risk Enterprise Software overview Take control of lending credit risk Market leading credit management, origination and workflow tools for commercial lending Before Misys FusionBanking Credit Management Enterprise,

More information

WHITE PAPER. Options for process automation of corporate loan approvals

WHITE PAPER. Options for process automation of corporate loan approvals WHITE PAPER Options for process automation of corporate loan approvals Business Process Modeling (BPM) technology promises to automate the corporate loan origination process, while retaining subjectivity

More information

Digital Marketing. Simplified. www.infosys.com/brandedge

Digital Marketing. Simplified. www.infosys.com/brandedge Digital Marketing. Simplified. www.infosys.com/brandedge DIGITAL MARKETING PAIN POINTS Infosys research indicates that there are numerous barriers to effective management of digital marketing campaigns,

More information

Predictive Straight- Through Processing

Predictive Straight- Through Processing Predictive Straight- Through Processing 2 TABLE OF CONTENTS 1 Introduction...3 2 The Benefits of Solving the STP Problem...7 3 How Can TIBCO Help?...7 4 How TIBCO s Solution Works...9 5 Summary...11 6

More information

National Bank of Canada: Transforming the Mortgage Origination Process

National Bank of Canada: Transforming the Mortgage Origination Process 2013 SAP AG or an SAP affiliate company. All rights reserved. National Bank of Canada: Transforming the Mortgage Origination Process Company National Bank of Canada Headquarters Montreal, Quebec Industry,

More information

Comprehensive software solutions for insurance

Comprehensive software solutions for insurance Innovation Simplicity Customer Experience Comprehensive software solutions for insurance Let our targeted solutions improve your margins and increase user engagement, throughout the insurance value chain.

More information

B2B E-Commerce Solutions Empower Wholesale Distributors

B2B E-Commerce Solutions Empower Wholesale Distributors SAP Thought Leadership Paper Wholesale Distribution B2B E-Commerce Solutions Empower Wholesale Distributors Achieve Interaction Excellence with Outstanding Online Experiences and High-Quality Digital Content

More information

COMMERCIAL BANK. Moody s Analytics Solutions for the Commercial Bank

COMMERCIAL BANK. Moody s Analytics Solutions for the Commercial Bank COMMERCIAL BANK Moody s Analytics Solutions for the Commercial Bank Moody s Analytics Solutions for the Commercial Bank CATERING TO ALL DIVISIONS OF YOUR ORGANIZATION The Moody s name is synonymous with

More information

perspective Customer Relationship Management Solutions for effective Customer & Dealer Management Abstract

perspective Customer Relationship Management Solutions for effective Customer & Dealer Management Abstract perspective Customer Relationship Management Solutions for effective Customer & Dealer Management Abstract Large numbers of OEMs / auto manufacturers are looking for integrated ways to manage their customers.

More information

DNBi Risk Management. Use Unparalleled Data to Boost Performance

DNBi Risk Management. Use Unparalleled Data to Boost Performance DNBi Risk Management Use Unparalleled Data to Boost Performance DNBi is a powerful, web-based credit risk management solution delivering D&B s world-class data and robust predictive analytics. DNBi s intuitive,

More information

Microsoft Dynamics CRM Solutions for Retail Banking

Microsoft Dynamics CRM Solutions for Retail Banking Performance Microsoft Dynamics CRM Solutions for Retail Banking White Paper Setting new standards that enable retail banks to attract, retain, and service customers with superior speed, efficiency, and

More information

Financial Statement Management and Analysis

Financial Statement Management and Analysis Financial Statement Management and Analysis CreditQuest Financial Analyzer: Financial Statement Management and Analysis CreditQuest Financial Analyzer performs advanced financial statement management and

More information

Keep the lights ON - support

Keep the lights ON - support Keep the lights ON - Application maintenance and support The Infosys next-generation application management services bring in business relevant application maintenance and support for different models

More information

White paper. 8 plays. To deliver an integrated customer service experience. On Break Free. 25 2 min Busy. Average Handle Time

White paper. 8 plays. To deliver an integrated customer service experience. On Break Free. 25 2 min Busy. Average Handle Time White paper 8 plays To deliver an integrated customer service experience On Break Free 25 2 min Busy Average Handle Time % Today, multi-channel usage is a way of life, but the trend seems to have bypassed

More information

Streamlined Operations Through New Business Process Transformation

Streamlined Operations Through New Business Process Transformation Case Study Streamlined Operations Through New Business Process Transformation Abstract Infosys partnered with a Fortune 500, US life insurance company to enable its New Business vision with Straight through

More information

Investing in Success Pega Solutions for Financial Service Institutions

Investing in Success Pega Solutions for Financial Service Institutions Investing in Success Pega Solutions for Financial Service Institutions Join many of the industry s largest and most influential financial services institutions including HSBC, JP Morgan Chase, Lloyds Banking

More information

Driving Effective Channel Incentive Programs

Driving Effective Channel Incentive Programs perspective Driving Effective Channel Incentive Programs - Mothi Raj Abstract Sales channel management is a critical part of businesses across industries. Those with robust sales channel management programs

More information

Managing all your customer interactions Ambit CustomerConnect

Managing all your customer interactions Ambit CustomerConnect RETAIL BANKING Customer Management Human. PRODUCT SHEET Managing all your customer interactions Ambit CustomerConnect SunGard s Ambit CustomerConnect provides banks with an integrated, centralized solution

More information

Case: Implementing a Concern Management System for one of the largest personal lines insurance in the US.

Case: Implementing a Concern Management System for one of the largest personal lines insurance in the US. Case: Implementing a Concern Management System for one of the largest personal lines insurance in the US. 2 2 Difficult-to-manage recovery system (with many integrations) Legacy applications (poor reporting,

More information

Reduced Total Cost of Ownership (TCO) and Increased Scalability with a New Accounting Solution

Reduced Total Cost of Ownership (TCO) and Increased Scalability with a New Accounting Solution Case Study Reduced Total Cost of Ownership (TCO) and Increased Scalability with a New Accounting Solution Abstract Infosys partnered with a global specialty insurance and re-insurance company to implement

More information

Improving Financial Advisor Productivity through Automation

Improving Financial Advisor Productivity through Automation Wealth Managment the way we see it Improving Financial Advisor Productivity through Automation How wealth management firms are embracing change by developing next generation advisor platforms Contents

More information

Best Stories of Infosys Salesforce Implementation

Best Stories of Infosys Salesforce Implementation Best Stories of Infosys Salesforce Implementation Sales Cloud implementation with CloudSense CPQ and Order Management System, for a leading European cable company Seamlessly integrated Force.com with CloudSense,

More information

WHITEPAPER. An ECM Journey. Abstract

WHITEPAPER. An ECM Journey. Abstract WHITEPAPER An ECM Journey Abstract Over the last few years, Enterprise Content Management (ECM) has evolved multifold. This paper describes the past, current and future state of ECM, and talks about the

More information

perspective Effective Capacity Management with Modeling and Simulation assisted Performance Testing Abstract

perspective Effective Capacity Management with Modeling and Simulation assisted Performance Testing Abstract perspective Effective Capacity Management with Modeling and Simulation assisted Testing Abstract In this competitive marketplace, businesses seeking to maximize profitable outcomes need to ensure their

More information

ADVANTAGE YOU. Be more. Do more. With Infosys and Microsoft on your side!

ADVANTAGE YOU. Be more. Do more. With Infosys and Microsoft on your side! ADVANTAGE YOU Be more. Do more. With Infosys and Microsoft on your side! Today s digital-led, rapidly evolving business scenarios pose unique challenges for enterprises across industries. While we hear

More information

Improved Efficiency and Significant Cost Savings through a Flexible Managed Services Model

Improved Efficiency and Significant Cost Savings through a Flexible Managed Services Model Case Study Improved Efficiency and Significant Cost Savings through a Flexible Managed Services Model Abstract Infosys partnered with a leading global insurance provider to set up a global Testing Center

More information

TALENT MANAGEMENT A KEY BUSINESS DRIVER

TALENT MANAGEMENT A KEY BUSINESS DRIVER TALENT MANAGEMENT A KEY BUSINESS DRIVER Today, every CEO s key business priorities include retention of existing talent as well as attracting the best talent from outside the organization. Various market

More information

Exceptional Customer Experience AND Credit Risk Management: How to Achieve Both

Exceptional Customer Experience AND Credit Risk Management: How to Achieve Both Exceptional Customer Experience AND Credit Risk Management: How to Achieve Both Lynn Brunner Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions,

More information

Product. Enabling Agile Banking to Keep Pace With Market Demands

Product. Enabling Agile Banking to Keep Pace With Market Demands Product Signature Flex and Scale With an Innovative Customer-Centric Solution, With Its Own Integration Layer, That Generates Higher Revenues and Profits, Streamlines Business Processes, Mitigates Risk,

More information

Answers to Top BRMS Questions

Answers to Top BRMS Questions November 2009 Answers to Top BRMS Questions Answers to ten frequently asked questions about what business rule management systems are and how they are used Brett Stineman Product Marketing, Business Rules

More information

ORACLE HYPERION DATA RELATIONSHIP MANAGEMENT

ORACLE HYPERION DATA RELATIONSHIP MANAGEMENT Oracle Fusion editions of Oracle's Hyperion performance management products are currently available only on Microsoft Windows server platforms. The following is intended to outline our general product

More information

CHECKLIST: IS YOUR CRM EVOLVED?

CHECKLIST: IS YOUR CRM EVOLVED? CHECKLIST: IS YOUR CRM EVOLVED? Consumer expectations are rising. They expect each interaction with your organization whether via marketing, sales, service or operations to be seamless, straightforward

More information

VIEW POINT. Getting cloud management and sustenance right! It is not about cloud, it s about tomorrow s enterprise

VIEW POINT. Getting cloud management and sustenance right! It is not about cloud, it s about tomorrow s enterprise VIEW POINT Getting cloud management and sustenance right! It is not about cloud, it s about tomorrow s enterprise Soma Sekhar Pamidi, Vinay Srivastava, Mayur Chakravarty The dynamic technologies of cloud

More information

Oracle istore. Deliver Intelligent, Personalized Customer Experiences

Oracle istore. Deliver Intelligent, Personalized Customer Experiences Oracle istore Oracle istore is the Enterprise E-Business Suite ecommerce application that provides a personalized, comprehensive and cost-effective Internet sales channel. istore is a key component of

More information

Utilizing Experian next generation decision management software to bring customer management to the next level of client experience and value creation

Utilizing Experian next generation decision management software to bring customer management to the next level of client experience and value creation Utilizing Experian next generation decision management software to bring customer management to the next level of client experience and value creation Susan Duffy Scotiabank Robert Stone Experian Christopher

More information

Wealth management offerings for sustainable profitability and enhanced client centricity

Wealth management offerings for sustainable profitability and enhanced client centricity Wealth the way we do it Wealth management offerings for sustainable profitability and enhanced client centricity The wealth management business is transforming. To delight their clients, firms must adopt

More information

An Oracle White Paper November 2012. Enhancing Customer, Distributor and Auto Lender Satisfaction

An Oracle White Paper November 2012. Enhancing Customer, Distributor and Auto Lender Satisfaction An Oracle White Paper November 2012 Enhancing Customer, Distributor and Auto Lender Satisfaction Disclaimer The following is intended to outline our general product direction. It is intended for information

More information

BPM for Structural Integrity Management in Oil and Gas Industry

BPM for Structural Integrity Management in Oil and Gas Industry Whitepaper BPM for Structural Integrity Management in Oil and Gas Industry - Saurangshu Chakrabarty Abstract Structural Integrity Management (SIM) is an ongoing lifecycle process for ensuring the continued

More information

Product. Common Origination Platform TM Automated Loan Origination Processing and Intelligent Business-Rules Management in One Unique System

Product. Common Origination Platform TM Automated Loan Origination Processing and Intelligent Business-Rules Management in One Unique System Product Common Origination Platform TM Automated Loan Origination Processing and Intelligent Business-Rules Management in One Unique System Product Common Origination Platform TM from Fiserv, a single-platform

More information

Corporate Loan Origination Version-11.1 9NT1368 - FLEXCUBE UBS V.UM 11.1.0.0.0.0.0 [August] [2010] Oracle Part Number E51575-01

Corporate Loan Origination Version-11.1 9NT1368 - FLEXCUBE UBS V.UM 11.1.0.0.0.0.0 [August] [2010] Oracle Part Number E51575-01 Corporate Loan Origination Version-11.1 9NT1368 - FLEXCUBE UBS V.UM 11.1.0.0.0.0.0 [August] [2010] Oracle Part Number E51575-01 Document Control Author: Documentation Team Created on : July 10, 2010 Updated

More information

INFOSYS MOBILITY QA PRACTICE

INFOSYS MOBILITY QA PRACTICE INFOSYS MOBILITY QA PRACTICE Mobile testing requires special focus, tools and methods, and service offerings to deliver quality mobility apps to both employees and end consumers. Today s technology industry

More information

ACTIVATE ALL NINE MODULES TO ACHIEVE STRAIGHT-THROUGH-PROCESSING

ACTIVATE ALL NINE MODULES TO ACHIEVE STRAIGHT-THROUGH-PROCESSING CASHSuite A powerful commercial lending software solution that helps business lenders increase profits and grow top line revenue by achieving straightthrough-processing across every step of the commercial

More information

View Point. Image Area. Insurance Modernization New Demands, New Approaches. - Jeffrey Kupper, Lalit Kashyap, Siva Nandiwada, Srikanth Srinivasan

View Point. Image Area. Insurance Modernization New Demands, New Approaches. - Jeffrey Kupper, Lalit Kashyap, Siva Nandiwada, Srikanth Srinivasan Image Area View Point Insurance Modernization New Demands, New Approaches - Jeffrey Kupper, Lalit Kashyap, Siva Nandiwada, Srikanth Srinivasan www.infosys.com Most insurance companies in the US are facing

More information

Summit Platform. IT and Business Challenges. SUMMUS IT Management Solutions. IT Service Management (ITSM) Datasheet. Key Benefits

Summit Platform. IT and Business Challenges. SUMMUS IT Management Solutions. IT Service Management (ITSM) Datasheet. Key Benefits Summit Platform The Summit Platform provides IT organizations a comprehensive, integrated IT management solution that combines IT service management, IT asset management, availability management, and project

More information

Patient Relationship Management

Patient Relationship Management Solution in Detail Healthcare Executive Summary Contact Us Patient Relationship Management 2013 2014 SAP AG or an SAP affiliate company. Attract and Delight the Empowered Patient Engaged Consumers Information

More information

Product. Velocity Gain Efficiencies and Improve Loan Quality with a Comprehensive, Open Architecture Loan Origination Solution

Product. Velocity Gain Efficiencies and Improve Loan Quality with a Comprehensive, Open Architecture Loan Origination Solution Product Velocity Gain Efficiencies and Improve Loan Quality with a Comprehensive, Open Architecture Loan Origination Solution Product To compete successfully for quality loans, credit unions need a process

More information

Process Automation Overview Process Automation Overview

Process Automation Overview Process Automation Overview Process Automation Overview Process Automation Business Overview Presented By: Skype: dom.fernandez Dominic Fernandez Principal Consultant dscf@computants.org http://www.computants.org/ 1 http://www.computants.org/

More information

Bank ing. Industry. Business Challenge A C R M s o lu t i on fo r a b a nk ne e d s t o b e b u il t to su i t v a r io u s b a nk -

Bank ing. Industry. Business Challenge A C R M s o lu t i on fo r a b a nk ne e d s t o b e b u il t to su i t v a r io u s b a nk - SOLUTION BLUEPRINT BANKING F i n a c l e C R M - S p e c i a l t y Bank ing Industry B a n k i n g Business Challenge A C R M s o lu t i on fo r a b a nk ne e d s t o b e b u il t to su i t v a r io u

More information

Decision Tree Methodology - A solution for Local Vs. Global Master Data conflict

Decision Tree Methodology - A solution for Local Vs. Global Master Data conflict White Paper Decision Tree Methodology - A solution for Local Vs. Global Master Data conflict - Rajendra Kumar Tamboli, Promodh Narayan Ravichandran Abstract Most master data management (MDM) implementations

More information

IBM Software IBM Business Process Management Suite. Increase business agility with the IBM Business Process Management Suite

IBM Software IBM Business Process Management Suite. Increase business agility with the IBM Business Process Management Suite IBM Software IBM Business Process Management Suite Increase business agility with the IBM Business Process Management Suite 2 Increase business agility with the IBM Business Process Management Suite We

More information

Product Lifecycle Management in the Medical Device Industry. An Oracle White Paper Updated January 2008

Product Lifecycle Management in the Medical Device Industry. An Oracle White Paper Updated January 2008 Product Lifecycle Management in the Medical Device Industry An Oracle White Paper Updated January 2008 Product Lifecycle Management in the Medical Device Industry PLM technology ensures FDA compliance

More information

WHITEPAPER. How to Credit Score with Predictive Analytics

WHITEPAPER. How to Credit Score with Predictive Analytics WHITEPAPER How to Credit Score with Predictive Analytics Managing Credit Risk Credit scoring and automated rule-based decisioning are the most important tools used by financial services and credit lending

More information

Master Data Management as a Solution Using SAP MDM and Complementing Technologies

Master Data Management as a Solution Using SAP MDM and Complementing Technologies White paper Master Data Management as a Solution Using SAP MDM and Complementing Technologies Abstract SAP MDM provides typical features of Data Consolidation, Management and Data Harmonization to be able

More information

Service Lifecycle Management Solutions

Service Lifecycle Management Solutions Service Lifecycle Management Solutions Complete Visibility & Control of Your Service Supply Chain The service landscape is shifting. Customer demands continue to increase. It is no longer enough to just

More information

Predictive Customer Interaction Management

Predictive Customer Interaction Management Predictive Customer Interaction Management An architecture that enables organizations to leverage real-time events to accurately target products and services. 2 TABLE OF CONTENTS 1 Introduction...3 2 Architecture...5

More information

SOLUTIONS FOR RETIREMENT SERVICES

SOLUTIONS FOR RETIREMENT SERVICES SOLUTIONS FOR RETIREMENT SERVICES ONBOARDING RISK & COMPLIANCE OPERATIONS & IT PARTICIPANT SERVICES PLAN SPONSOR & ADVISOR SERVICES REPORTING TRADING DOCUMENT PREPARATION DISBURSEMENTS DATA AGGREGATION

More information

View Point. Customer Centric banking: A 360 degree view. Abstract. - Ashok Gopinath, Navdeep Gill

View Point. Customer Centric banking: A 360 degree view. Abstract. - Ashok Gopinath, Navdeep Gill View Point Customer Centric banking: A 360 degree view - Ashok Gopinath, Navdeep Gill Abstract Banks today are moving back to basics, shifting attention from complex product offerings to developing greater

More information

Core Processes That Deliver ROI

Core Processes That Deliver ROI Core Processes That Deliver ROI The SOA & Business Rules Advantage Wed, Oct 24th 2007 FST Banking Technology Conference Stephane Marouani, ILOG Operations Manager, ILOG Australia P/L The theory of SOA

More information

Improved Efficiency and Significant Cost Savings through a Flexible Managed Services Model

Improved Efficiency and Significant Cost Savings through a Flexible Managed Services Model Case Study Improved Efficiency and Significant Cost Savings through a Flexible Managed Services Model Abstract Infosys partnered with a leading global insurance provider to set up a global Testing Center

More information

CA Workload Automation

CA Workload Automation PRODUCT SHEET: CA Workload Automation CA Workload Automation Improve the availability of critical IT workload processes and schedules enterprise-wide by leveraging real-time IT automation, embedded workflow,

More information

Product Lifecycle Management in the Food and Beverage Industry. An Oracle White Paper Updated February 2008

Product Lifecycle Management in the Food and Beverage Industry. An Oracle White Paper Updated February 2008 Product Lifecycle Management in the Food and Beverage Industry An Oracle White Paper Updated February 2008 Product Lifecycle Management in the Food and Beverage Industry EXECUTIVE OVERVIEW Companies in

More information

DELIVERING AGILE QUALITY ASSURANCE THROUGH EXTREME AUTOMATION

DELIVERING AGILE QUALITY ASSURANCE THROUGH EXTREME AUTOMATION DELIVERING AGILE QUALITY ASSURANCE THROUGH EXTREME AUTOMATION Enterprises that keep pace with rapid technology advancements are witnessing dynamic changes in their business environments. Enterprise applications

More information

CA Service Desk Manager

CA Service Desk Manager PRODUCT BRIEF: CA SERVICE DESK MANAGER CA Service Desk Manager CA SERVICE DESK MANAGER IS A VERSATILE, COMPREHENSIVE IT SUPPORT SOLUTION THAT HELPS YOU BUILD SUPERIOR INCIDENT AND PROBLEM MANAGEMENT PROCESSES

More information

White paper. CRM with Big Data

White paper. CRM with Big Data White paper CRM with Big Data Big data is one of the latest buzzwords in the technology lexicon. The potential, reach and impact of big data technologies is the subject of much debate, and the hero in

More information

A Customer Centric Digital Platform For Utilities. A Joint Capgemini and Pegasystems Solution

A Customer Centric Digital Platform For Utilities. A Joint Capgemini and Pegasystems Solution A Customer Centric Digital Platform For Utilities A Joint Capgemini and Pegasystems Solution 2 A Customer Centric Digital Platform For Utilities Utilities the way we see it Utilities in a changing world

More information

ramyam E x p e r i e n c e Y o u r C u s t o m e r s D e l i g h t Ramyam is a Customer Experience Management Company Intelligence Lab

ramyam E x p e r i e n c e Y o u r C u s t o m e r s D e l i g h t Ramyam is a Customer Experience Management Company Intelligence Lab ramyam Intelligence Lab E x p e r i e n c e Y o u r C u s t o m e r s D e l i g h t Ramyam is a Customer Experience Management Company enliven CEM An enterprise grade Customer Experience Management Solu

More information

Modernizing enterprise application development with integrated change, build and release management.

Modernizing enterprise application development with integrated change, build and release management. Change and release management in cross-platform application modernization White paper December 2007 Modernizing enterprise application development with integrated change, build and release management.

More information

Breaking with Tradition in the Insurance Industry: Strategies to Insure Operational Efficiency and Future Growth

Breaking with Tradition in the Insurance Industry: Strategies to Insure Operational Efficiency and Future Growth Breaking with Tradition in the Insurance Industry: Strategies to Insure Operational Efficiency and Future Growth An Executive Perspective Authored by Deb Miller 1 Business process SOLUTIONS EXEcutive Perspective

More information

Over 18,400 branches. 21,843 ATMs. 261 million accounts. Enabling State Bank of India to create the world s largest homogenous banking network

Over 18,400 branches. 21,843 ATMs. 261 million accounts. Enabling State Bank of India to create the world s largest homogenous banking network Wealth Management Volatility and uncertainty in the markets have given rise to a new class of customers who are extremely cautious and demand absolute transparency from their advisors. They now expect

More information

Loss Prevention Data Mining Using big data, predictive and prescriptive analytics to enpower loss prevention

Loss Prevention Data Mining Using big data, predictive and prescriptive analytics to enpower loss prevention White paper Loss Prevention Data Mining Using big data, predictive and prescriptive analytics to enpower loss prevention Abstract In the current economy where growth is stumpy and margins reduced, retailers

More information

SOLUTIONS FOR RETIREMENT SERVICES

SOLUTIONS FOR RETIREMENT SERVICES SOLUTIONS FOR RETIREMENT SERVICES ONBOARDING RISK & COMPLIANCE OPERATIONS & IT PARTICIPANT SERVICES PLAN SPONSOR & ADVISOR SERVICES REPORTING TRADING DOCUMENT PREPARATION DISBURSEMENTS DATA AGGREGATION

More information

INFORMATION CONNECTED

INFORMATION CONNECTED INFORMATION CONNECTED Transform Your Retail Banking Strategy Oracle FLEXCUBE Core Banking Architect Your Busi ness to Overcome Compounding Industry Dynamics, Not Appli cation Limitations Banks can no

More information

BOOST YOUR SALES GROWTH THROUGH WIPRO S ORACLE CRM ON DEMAND SERVICES

BOOST YOUR SALES GROWTH THROUGH WIPRO S ORACLE CRM ON DEMAND SERVICES www.wipro.com BOOST YOUR SALES GROWTH THROUGH WIPRO S ORACLE CRM ON DEMAND SERVICES Wipro Oracle Services DO BUSINESS BETTER OVERVIEW With Oracle CRM On Demand (CRM OD), you can make your sales force more

More information

Business Process Management in the Finance Sector

Business Process Management in the Finance Sector Business Process Management in the Finance Sector Leveraging the power of processes for profit oracle.com Introduction It is vital for financial services companies to ensure the rapid implementation of

More information

Experience Business Success Invest in Microsoft CRM Today

Experience Business Success Invest in Microsoft CRM Today Experience Business Success Invest in Microsoft CRM Today Published: August 2005 The information contained in this document represents the current view of Microsoft Corporation on the issues discussed

More information

The SAS Transformation Project Deploying SAS Customer Intelligence for a Single View of the Customer

The SAS Transformation Project Deploying SAS Customer Intelligence for a Single View of the Customer Paper 3353-2015 The SAS Transformation Project Deploying SAS Customer Intelligence for a Single View of the Customer ABSTRACT Pallavi Tyagi, Jack Miller and Navneet Tuteja, Slalom Consulting. Building

More information

Optum TM Consumer Acquisition Platform. A Next-Generation Approach to Acquire, Retain and Engage Members.

Optum TM Consumer Acquisition Platform. A Next-Generation Approach to Acquire, Retain and Engage Members. Optum TM Consumer Acquisition Platform A Next-Generation Approach to Acquire, Retain and Engage Members. Challenge and opportunity have arrived at the same time for health plans. Millions of consumers

More information

SOLUTION WHITE PAPER. BMC Manages the Full Service Stack on Secure Multi-tenant Architecture

SOLUTION WHITE PAPER. BMC Manages the Full Service Stack on Secure Multi-tenant Architecture SOLUTION WHITE PAPER BMC Manages the Full Service Stack on Secure Multi-tenant Architecture Table of Contents Introduction................................................... 1 Secure Multi-tenancy Architecture...................................

More information

Image Area. View Point. Mobility and its hockey stick effect on customer onboarding. www.infosys.com

Image Area. View Point. Mobility and its hockey stick effect on customer onboarding. www.infosys.com Image Area View Point Mobility and its hockey stick effect on customer onboarding www.infosys.com Introduction The customer lifecycle can be divided into four functional areas acquire, optimize, retain,

More information