BANKING OPERATIONS MIDDLEWARE INTEGRATION DOCUMENTS OF PROOF HIGH SCALABILITY SCHEDULING UNIFIED CLIENT ACCOUNTS VIEW OMNICHANNEL SUBSCRIPTION

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2 ebankit 2013

3 The Internet Banking Solution is the most used electronic channel nowadays by various Bank clients, not having the necessity to go to the Bank and handle daily operations. The Internet Banking Channel is available for Retail and Corporate clients, making the majority of banking operations available, as well as personalizing service. Whichever Bank segment, the client is always just a click away. BANKING OPERATIONS DIRECT LINE TO BANK MANAGER SECURITY&AUTHENTICATION MIDDLEWARE INTEGRATION DOCUMENTS OF PROOF UNIFIED CLIENT ACCOUNTS VIEW SCHEDULING HIGH SCALABILITY CROSS-SELLING CHANNELS INTEGRATION LEVELS OF CONFIGURATION OMNICHANNEL SUBSCRIPTION 3

4 From a technical point of view, the solution will be implemented based on responsive design that consists on a web design approach aimed to create sites with optimized visual experience, easy to read and navigate. The goal is to have minimal dimensioning and viewing for various devices from desktops to mobile. 4

5 Content Manager Centralized publishing Integration between content/crm data CRM Products and campaigns Client Profile Oriented Products Subscription Cards requisition Savings account constitution Pre-account opening 5

6 Security is one of the fundamentals of this solution. The Internet Banking Channel makes all aspects of security, both on the application and transactional layers available, such as: Authentication via Multichannel PIN - Positions generated randomly by the system at every login. Registration process Daily Limits - Limits defined by the client regarding amounts to be transacted daily. SMS Alerts - Alerts triggered automatically for transaction confirmation. Transaction confirmation - Confirmation via SMS code or Omnichannel PIN positions. Authorization Module for corporate segment - Authorization for the transactional component, possibility of various logins (profiles) per account. 6

7 The Branch locator is integrated with the internet banking interface. Provides the exact location of the branches and guidance to reach them. Associated at each Branch, you can consult the contacts and call them, consult the website, send an in real time, all just a click away. 7

8 Integrated with cellphone and social network contact lists. 8

9 Standardized transactions Timeline 9

10 Call CHAT Online remote support with chat, available anytime. 10

11 Easy and fast access to all functionalities. 11

12 Help customers effectively understand their financial position when logging into internet banking, by aggregating accounts and showing a graphical overview of their total financial position More important in many situations is to help customers to manage their immediate financial status their current, credit and savings accounts. 12

13 Your clients can manage, consult, make all kind of operations in their accounts. They can access to all their accounts and, consequently, select the account they want to manage, consult the operations details, make filters to find specific transactions. 13

14 Status Payments Transactions Transactions List and details Statements 14

15 Example: Transfer 15

16 Login/logout client Secure Messages consult and send List of card account Utilities Payment (simulation) Handling of pending operations List of Campaigns Account selector Details of card account Utilities Payment (execution) Transfer cancelling Images of Campaigns Integrated position Historic Graphs Historic of operations List of credit card statements List of credit cards List of Branches and ATMs Geo-referencing List of checking accounts Details of operations Details of latest card account statement List of entities for utility payments List of Transactions Details of checking account Internal transfer (simulation) Payment of latest credit card statement Contacts Account Transactions Internal transfer (execution) Internal Transaction (simulation) List of pending operations Search filters Currency List of term applications Alter the payment option of the card Internal Transaction (execution) Dashboard Personalization Security/Terms of Use Details of term applications Frequent Beneficiaries Transfer with currency conversion (simulation) Service Information List of debit cards Operation Statement Transfer with currency conversion (execution) Personalization of accounts Favorites Interest rates for reference Debit Card transactions Credit Card Statement Scheduling Account Balance and consultations 16

17 The complete transactional and operational component is supported by documental slope, as at any moment the client may download or send supporting documents of their transactions, operations or payments. When conceiving this platform the concept of documental/supporting documents management was taken into consideration. 17

18 Customer profile Beneficiaries Favorites Other configurations 18

19 Sites segmentation Login Unique access point to the bank via internet. Bank services Products and campaigns Multimedia Currency News 19

20 One of the many advantages of our solution is the possibility of personalizing the public portal/internet banking image, according to the clients segment. 20

21 Module which allows to easily keep up with the family budget. The client is able to know where and how much money is being spent. This module helps to monitor and manage the expenses and revenue in an easy and effective system, without wasting time. All accounts can be available in a unique view, with transactions catalogued automatically and in real time. Using the Finance manager you can also create budgets and control where you are overspending. Categorizing of transactions Budgets Savings objective Calendar Scheduling & regulations Aggregating bank accounts Alerts File Management 21

22 Nowadays social networks are present at the majority of applications, and the possibility of integration has become a mandatory requirement. This way, when a client establishes a savings goal, he/she may share it with its social network friends containing the following information: Share with friends: Savings goal Percentage missing to reach established objective IBAN for transfers made by friends Information about the Banks products - cross-selling 22

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