CELERITI CUSTOMER AGILE BANKING TECHNOLOGY

Transcription

1 CELERITI CUSTOMER AGILE BANKING TECHNOLOGY KEEP PACE WITH YOUR CUSTOMERS GROWING NEEDS

2 KEEP PACE WITH YOUR CUSTOMERS GROWING NEEDS GROW YOUR CUSTOMER RELATIONSHIPS Building strong customer relationships is the key to profitable growth in the highly competitive financial marketplace. Today s customers are using increasingly sophisticated technologies and a wider variety of access points to conduct their banking, yet their basic expectations of their financial institutions remain the same: Convenience and accessibility including consistent service through the customer s channels of choice, within their preferred time frames Relevant, competitively priced products and personalized services Advice based on knowledge of all the customer s accounts and relationships with the institution Timely responses to customer service requests Protection of their privacy and data security. To meet these expectations, you need agile, customer-centric technologies that provide a holistic view of the customer s relationships with all areas of the organization. OBTAIN AN ENTERPRISE VIEW OF CUSTOMERS The system s capabilities include: Full history of all changes made to customer information and accounts for enhanced reporting and compliance Sophisticated search capabilities using various primary and secondary identifiers, including addresses and unlimited phone numbers, to speed response to customer queries Multilanguage processing to support commercial customers with international operations Support for retail and commercial customer views. Celeriti Customer can supply customer data to all your core banking applications, including loans, deposits and cards systems from both CSC and third-party vendors. Relationship information may be accessed from many angles, including multiple levels of customer, account and address/household data. Gain a Consolidated Enterprise View of Customer Information Deliver a Seamless, Consistent Customer Experience across all Channels Provide Relevant, Competitively Priced Products and Personalized Services Develop a Complete Picture of Customer Risk and Profitability Strengthen Privacy and Compliance Measures with Greater Control over Access to Customer Data CSC s Celeriti Customer software is designed around customers, providing a complete picture of the products and services they use and their relationships and interactions with the bank. Built on a modern architecture with leading-edge technology, it provides a central repository of up-to-the-minute customer information from all transactional systems, across all channels and lines of business. This customer-centric design allows you to build a comprehensive understanding of your customers behavior and needs in order to offer relevant products and tailored services thus improving customer satisfaction, retention and acquisition. Celeriti Customer provides a central repository for information held at the customer level: Contact information, including multiple addresses, and telephone numbers for flexible, customized communications based on customer preferences Virtually unlimited relationships among customers, accounts and addresses Relationships to officers and to organizations such as branch, cost center, region, division, bank and holding company Demographic data and householding information Privacy data. DELIVER EXCEPTIONAL SERVICE ACROSS ALL CHANNELS Your customers expect consistent, up-to-date information whether they access their accounts through a mobile device, website, call center, branch office or ATM. Traditionally, banks have had little visibility from one channel to another. Various channels have emerged through disparate systems implemented at different times by different vendors. A customer, for example, might perform a transaction over the bank s Web portal but then be unable to verify that activity by phoning the bank s call center. Celeriti Customer aggregates checking, savings, loan, debit and credit card information from your core banking systems and reliably delivers it through the customer s preferred touch points. The system s flexible, service-oriented architecture (SOA) uses a set of standard messaging structures that can be accessed across channels. This SOA framework cuts across organizational silos that hamper your ability to deliver seamless, consistently excellent service. With a wealth of information at their fingertips, service representatives can easily make new product recommendations or connect a customer to another department for additional services. In addition, Celeriti s modernized architecture uses standard Web services and business processes to ease integration of content from other sources, enabling you to enhance customer communications with dynamic content such as video, targeted presentations, mobile alerts or social media integration.

3 EXPAND YOUR VIEW OF CUSTOMER RELATIONSHIPS KEY CUSTOMER AND ACCOUNT ANALYSIS FUNCTIONS Analysis at the Summary, Relationship, Customer and Account Level Ability to Define and Target Customers for Pricing and Services Powerful and Flexible Pricing Options Flexible Settlement Options Portfolio Management What-If Modeling User-Defined Selection Criteria for Generalized Reporting Service Hierarchies and Product/Service Analysis PROVIDE PERSONALIZED PRODUCTS AND SERVICES Broad customer segmentation is no longer sufficient. Banks must provide innovative, relevant offerings tailored to individual customer needs. Your organization probably already has the information you need to do this, but it may be scattered across isolated silos of data maintained by various channels or lines of business. You may also lack the ability to adjust products and pricing quickly. Celeriti provides a complete picture of the customer s existing products and interactions with your enterprise to aid in developing personalized, appropriately priced products and services. Celeriti s customer-centric model helps you identify opportunities for cross-selling and up-selling, then reach out to the customer with actionable and compelling information at each point of contact. In addition, the system s flexible SOA and business rules management let you configure new products, features and pricing rapidly so that you can respond quickly to customer needs and capitalize on opportunities. SUPPORT RELATIONSHIP BANKING Understanding your customer relationships not only improves service and product customization, but it also enables you to make more informed assessments and manage risk across a portfolio or the enterprise. The relationship banking capabilities of Celeriti Customer can help your organization: View relationship hierarchies and total relationship balance Maintain multiple relationships between customers and your institution s officers and organizations for reporting and processing Access online hierarchies of customers and accounts for relationship and account analysis, profitability analysis, credit risk analysis, planning and market analysis applications Integrate information from external sources, such as credit and mortgage data, for improved decision making. MANAGE COMPLEX COMMERCIAL RELATIONSHIPS In addition to retail banking customers, Celeriti provides support for your commercial customers, from small businesses to Fortune 500 commercial enterprises. These customers generally have more complex, multilevel relationships and numerous accounts with your institution, thus creating more sophisticated reporting and pricing requirements. The software s customer account analysis includes timely summary and detail information on balance and transactions. Sophisticated pricing techniques help your relationship officers ensure desired profitability in spite of slim margins on products and services. UNCOVER THE PATTERNS IN YOUR CUSTOMER DATA With modern business intelligence and analytics technologies, banks can use data to drive strategy and make more informed business decisions. Celeriti s data warehouse and business intelligence tools enable your strategists to analyze customer data extracted from applications across the enterprise, including CSC s core banking systems and third-party offerings. Built on an Interactive Financial exchange (IFX) standard object model, these components create a rich store of transaction information that banks can analyze to: Understand customer needs, relationships and behavior Fine-tune marketing efforts and identify cross-selling and up-selling opportunities Assess customer profitability and identify high-value customers Track key performance indicators Improve risk management and assessment Detect fraud.

4 CREATE AN AGILE ENVIRONMENT WITH A NEW BREED OF TECHNOLOGIES GAIN FLEXIBILITY WITH SOA BUSINESS PROCESSES AND SERVICES SELECT THE PLATFORM THAT MEETS YOUR NEEDS THE CELERITI FAMILY Enterprise Applications Celeriti Customer Celeriti Deposits Celeriti Loans Celeriti Cards Celeriti Merchant Celeriti Customer is part of CSC s Celeriti end-to-end suite of SOA-based enterprise software for banking, cards, payments and lending. It can be implemented along with some or all of the other Celeriti applications or with your existing enterprise banking applications. With its open SOA and reusable Web services, Celeriti Customer easily interfaces with virtually all applications to ensure compatibility with your current environment and centralize the maintenance of data related to customers, addresses and relationships. It also helps banks share data across the enterprise and standardize business processes across delivery channels to improve the customer experience. Web services simplify integration with internal and third-party systems and reduce the costs of maintenance and support. Celeriti SOA business processes and Web services are developed according to the industry-leading IFX 2.x standard, which allows banks to communicate more easily with other vendors systems and third parties that use those standards. In addition to improving customer support, this technology promotes the reuse of code, accelerates the introduction of new and enhanced functionality, and leads to greater alignment of business and IT. OPEN YOUR DOORS TO CUSTOMERS WITH WEB PORTAL TECHNOLOGY The Celeriti Customer Web Portal user interface extends Web 2.0 technologies to the front and back office to speed processing, improve service and enhance productivity. The use of Web 2.0 technologies provides a richer experience through dynamic content and personalization. Most inquiries, updates and transactions will require far smaller amounts of information to be relayed between the user and the server, saving bandwidth and time, improving security and setting the stage for rich Internet applications. Built on Advanced Technology Components Web Portal User Interface SOA Business Processes and Web Services Business Intelligence and Data Warehouse Business Rules and Parameters Distributed Platform Architecture Celeriti Customer provides a range of platform choices including z/os, z Linux, Linux, Unix, Windows or a hybrid of those operating systems. This platform flexibility allows you to select the operating environment that best meets your needs for high availability, scalability, security and other characteristics. CSC also gives you flexible options for deploying the system, from in-house implementation to Software as a Service (SaaS), cloud-based models, and IT and business process services. TRANSFORM YOUR BUSINESS TO FOCUS ON CUSTOMERS To further the evolution to a customer-centric business model, many banks are looking to transform their banking systems and processes with modern systems and architectures. CSC helps banking clients successfully map and execute modernization strategies with a lower risk, evolutionary approach to banking transformation that enables them to deliver innovative services and new channel solutions, improve time to market, increase agility and decrease operations costs. With CSC s progressive modernization approach, you can take incremental steps toward core transformation that create immediate value for your business and your customers while avoiding the high risks and costs of a traditional rip and replace approach. GROW BY LEAPS AND BOUNDS Strengthening customer relationships can unlock your bank s potential for growth and improved performance. Keep pace with your customers by unleashing the power of Celeriti to transform your institution into an agile, responsive, customer-centric enterprise. For more information about Celeriti Customer, visit csc.com/celeriti, call ( outside the U.S.) or send an to inforequests@csc.com.

5 BUSINESS SOLUTIONS TECHNOLOGY OUTSOURCING WORLDWIDE CSC HEADQUARTERS THE AMERICAS 3170 Fairview Park Drive Falls Church, Virginia United States EUROPE, MIDDLE EAST, AFRICA Royal Pavilion Wellesley Road Aldershot, Hampshire GU11 1PZ United Kingdom +44(0) AUSTRALIA 26 Talavera Road Macquarie Park, NSW 2113 Australia +61(0) ASIA 20 Anson Road #11-01 Twenty Anson Singapore Republic of Singapore ABOUT CSC The mission of CSC is to be a global leader in providing technology-enabled business solutions and services. With the broadest range of capabilities, CSC offers clients the solutions they need to manage complexity, focus on core businesses, collaborate with partners and clients, and improve operations. CSC makes a special point of understanding its clients and provides experts with real-world experience to work with them. CSC is vendor-independent, delivering solutions that best meet each client s unique requirements. For more than 50 years, clients in industries and governments worldwide have trusted CSC with their business process and information systems outsourcing, systems integration and consulting needs. The company trades on the New York Stock Exchange under the symbol CSC. ABOUT CSC IN FINANCIAL SERVICES CSC provides mission-critical business solutions, consulting and outsourcing services to leading financial services firms around the world. We bring more choices to the industry. We help clients plan for business and technology change. We create software, tools and processes to address specific business needs, and we continually enhance those solutions by collaborating with an extensive network of client communities and technology partners. Our global outsourcing operations give us real-world insight into business and IT processes that deliver the best results for our clients. More than 1,200 major banks, insurers, and investment management and securities firms rely on the experience, ingenuity and leadership of more than 10,000 CSC employees focused on financial services. Copyright 2011 Computer Sciences Corporation. All rights reserved. Printed in USA