Digitally transform your business with API Banking.

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1 Digitally transform your business with API Banking

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3 INTRODUCTION Enterprise Resource Planning (ERP) systems have become the one-stop shop to manage various business operations production, supply chain management, sales & distribution, accounting, human resource management, customer relationship management, to name a few. The next phase in the evolution of an organization s financial supply chain is Bank from ERP. The ERP platform and the bank s systems cease to be disparate systems but are seamlessly integrated. Businesses can now perform banking operations straight from their ERP. It is like banking as one more operation that comes within the ambit of ERP systems. The technology that makes the integration possible is Application Programming Interfaces (APIs). APIs provide access to an organization s digital assets and services and allow users to access a third party system from one s own environment. When it comes to Bank from ERP, APIs enable organizations to manage their account payables and receivables directly from their ERP in a secure and seamless manner. Through APIs, organizations would be able to do payments and the ensuing reconciliation would now be possible in real time. With greater efficiency in the working capital cycle, organizations can have increased visibility of cash flows and more streamlined operations. In fact, APIs can potentially be the building blocks of digital working capital management for business.

4 API IN BANKING EARLIER NOW THE OPTIONS TO MAKE A TRANSACTION Cash payment Get a demand draft made from the bank Payment has now become much simpler with API Banking. Round the clock, secure and real time payment is just a click away. You can bank directly through API. POWER OF API BANKING Write a cheque API Log in to internet banking & send transaction request

5 BENEFITS OF API BANKING Improved operational efficiency Run Banking out of ERP Automated Reconciliation Secured Overall risk in the system goes down with a connected financial ecosystem reducing losses and cost from fraud and defaults Scalability Exposing APIs and expanding community of digital developers will enable banks to innovate Instant Banking Facility Round the Clock - Real Time Transaction Processing No Lead time in Transaction Booking and Payment thereoff C Customer Delight through instant payments Implementation ease Aids execution of Parallel Projects using an ecosystem of API s and vendor developers Lack of UI/UX reduces development time significantly A Accountability with automated reconciliation Standardisation Client doesn t have to undergo changes to suit each Bank s distinct mechanisms/processes S Security with robust risk mitigation Console Customer portal to aid viewing status of previously initiated API transactions on screen E Efficiency with real time processing directly from ERP Facility for Authorization Authorization API available for Corporate to authorize API transactions

6 YES BANK S API BANKING SUCCESS STORIES 1. Instant Gold Loan Disbursement for a leading NBFC 2. Electronic Collection for Tours & Travel Company 3. Employee Re-imbursement for a leading automotive company 4. Vendor Payouts for an electrical equipment companies in India One of the largest NBFCs of the country providing gold loans approached YES BANK seeking solution for Real Time Loan Disbursement to their banked and unbanked customers Through YES BANK s API Banking, NBFC can provide bank reference number real time to its customer after booking loans from its ERP. Auto reconciliation and single login to its ERP portal to perform bank transactions, all managed by mere integration. A major Tours & Travel Company sought a unique collection solution for their sub agents that would enable faster issuance and blocking of travel tickets thereby reducing the overall turnaround time YES BANK envisaged an offering which validates registered sub agents prior to processing funds to the company. This aids in blocking tickets and reservations real time apart from auto reconciliation at a sub agent level India s leading automotive company sought to process employee re-imbursements in an automated manner i.e. once the employee has filed a claim in company s system and the claim has been verified, the payout is made immediately YES BANK devised a solution using API Banking wherein the company can trigger the payment to bank through API once its workflow is complete. This has led to superior customer experience One of the largest electrical equipment companies in India approached YES Bank for instant payments to their vendors Through YES BANK s API Banking, the company has been able to improve it s TAT for payouts and implement auto reconciliation in it s ERP

7 5. Instant Mutual Fund Redemption for India s leading Mutual Fund Company 6. Instant small loan disbursement for Microfinance Lender 7. Electronic Collections For Leading Online Hotel Market Place 8. Electronic Collections for Leading Diversified financial services firm offering a range of financial products & services A pioneer in the MF space had approached us for a solution will provide their customers to instantly redeem their MF units to the bank accounts even on weekends and outside office hours Through YES BANK s API banking, we were in a position to offer them an immediate solution wherein using IMPS service we were able to give round the clock real time redemption solution A Leading NBFC specializing in low value village project lending had a vision of digitizing their lending business to rural customer for which we were approached, however their system s and process were not aligned to a complete automation YES BANK API banking solution was used to devise an alternative solution in a quick turnaround time, to convert file based inputs into API calls enabling real time processing of large volume of transactions An Indian hotel brand that owns and aggregates standardized hotel rooms. It currently operates in more than 168 Indian cities and have recently started operations in Malaysia. YES BANK envisaged an offering which notifies the corporate s ERP for collections from Hotel owners, Travel agents and retail bookings in real time basis reducing TAT for confirmation of Bookings. A group company with 30 years legacy of wealth creation. It s offerings of financial products and services includes Wealth Management, Retail Broking and Distribution, Institutional Broking, Asset Management, Private Equity with PAN India coverage across 2,200+ locations in over 500+ cities and 9 Lakh+ customer base. Through YES BANK s API Banking, Trading limits are given to client/customers of the leading Diversified Financial services firm at almost real time basis the validation and notification parameters.

8 API BANKING YOUR MAGIC WAND FINANCIAL INSTITUTIONS TELECOM PAYABLES Salary Vendor Payments Refund Payments/ Loan Disbursements Domestic and International Remittances Wallet Management RECEIVABLES Virtual Accounts/ Validated Electronic Collections Integrated Cash Collections E- Tendering Bank Branch Cash Collections CARDS Expense Management/ Prepaid Cards CARD-LESS Cardless Cash Withdrawal UTILITY Invoicing and Bills Management Utility Bill Payments CHANNEL FINANCE Dealer Finance Vendor Finance

9 GOVERNMENT ENTITIES MEDIA/FMCG/ AUTOMOTIVE EDUCATION & HEALTHCARE LOGISTICS & RETAIL

10 KEY PROPOSITION & BENEFITS E-COMMERCE EDUCATION & HEALTHCARE FINANCIAL INSTITUTIONS Payables to vendors Real-time Vendor payments through API Banking Bunch Note Acceptor for collection of cash procured through COD facility of ecommerce firms Receivables Validate incoming electronic receipts instantly and log eligible entries into your ERP through web services exposed by the Bank. Wallet Servicing Cash out option for captive wallets Prepaid Cards and Expense Management Accounts API linked activation/loading and reloading of prepaid cards and expense management accounts Instant Refund payments to customers Instant processing of refunds made by consumers using IMPS API s ensuring 24/7 servicing Fees collection through API Banking or Virtual account Bunch Note Acceptor at Hospitals for cash collection Invoicing and Bill Management facility for universities and hospitals Prepaid Cards and Expense Management Accounts API linked activation/loading and reloading of prepaid cards and expense management accounts Bank Branch Cash Collections Loan Disbursements through Real Time API Banking Prepaid Cards and Expense Management Accounts API linked activation/loading and reloading of prepaid cards and expense management accounts Receivables Validate incoming electronic receipts instantly and log eligible entries into your ERP through web services exposed by the Bank. Bunch Note Acceptor for collection of cash deposited at finance corporations Cardless Cash Withdrawal facility to unbanked customers Real-time Domestic and Foreign Inward Remittance disbursal under Rupee Drawing Arrangement Bank Branch Cash collections Timely Alerts Automated Reports Superior Customer Experience BENEFITS Automated Reports Better Monitoring Highly scalable Enhanced Management Control Superior Customer Experience Easier and effective collaboration Better Monitoring Enhanced Management Control Enhanced Management Control Better Monitoring Automated Reports Offering for untapped market segment

11 TELECOM EXCHANGE HOUSES MANUFACTURING Wallet Servicing Cash out option for captive wallets Utility Bill Payments through API Banking Prepaid Cards and Expense Management Accounts API linked activation/loading and reloading of prepaid cards and expense management accounts Receivables Validate incoming electronic receipts instantly and log eligible entries into your ERP through web services exposed by the Bank Payables to vendors Real-time Vendor payments through API Banking Foreign Inward Remittances under Rupee Drawing Arrangement Money Transfer Service Scheme Payables to vendors Real-time Vendor payments through API Banking Receivables Validate incoming electronic receipts instantly and log eligible entries into your ERP through web services exposed by the Bank. Prepaid Cards and Expense Management Accounts API linked activation/loading and reloading of prepaid cards and expense management accounts Channel Finance (through Host-to-Host and API) Financing the approved invoices of the Dealers of the Corporates and Vendor Bill Discounting for the Corporate for bills approved by the Corporate as per sanctioned limits through online channel Superior Customer Experience Automated Reports Better Monitoring Enhanced Management Control Real-time 24 x 7 payouts possible for the Exchange House Automated Reports and Console for service desk and account reconciliation Superior Customer Experience TAT Reduction for payout from 2 days to real-time for channel finance Automated Reports and Alerts

12 FAQ 1. IN API BANKING, I DON T NEED TO CREATE ANY TYPE OF FILE? Correct, there is no file creation or upload. The transactions are processed through realtime system calls 2. HOW DO I RECONCILE SUCCESSFUL AND FAILED TRANSACTIONS? It is a synchronous API call, the response of the API provides you the status of the transaction rendering auto reconciliation at your end 3. IS THIS CHANNEL SECURE? Extremely secure. VPN or Two Way SSL is established between both parties and additionally there are two levels of authentication 4. API BANKING CAN TAKE CARE OF BOTH MY PAYMENTS AND COLLECTIONS? Correct. Through API Banking facility, system integration may be done for electronic payments and collections 5. WHAT IS THE AVERAGE DURATION FOR BANK API INTEGRATION? Average Duration is 3 weeks inclusive of Software Development at Client Side, Testing and Network Establishment 6. CAN I MAKE PAYMENTS TO ONLY YES BANK ACCOUNTS? No, absolutely not! This is enabled for payments across all banks 7. WHAT ARE THE SERVICES AVAILABLE UNDER API BANKING UMBRELLA? We have a suite of services encompassing Payables, Receivables, Cards etc. 8. IS THERE A PORTAL/DASH BOARD TO CHECK THE STATUS OF MY TRANSACTIONS? Yes, you may check the status and transaction details in the deck 9. CAN I AUTHORIZE THE TRANSACTIONS OUT OF MY ERP? Yes, you may authorize through our mobile platform as an additional leg 10. CAN I INTEGRATE API S WITH MY IN- HOUSE ERP? Yes, our API s are compatible with all ERP s that are able to generate and receive web service calls. 11. DOES YES BANK HAVE ANY SAMPLE CODES OR SDK? We have sample codes and SDKs in a variety of programming language

13 TESTIMONIAL YES BANK s innovative products have helped us in saving both money and time. YES BANK has partnered with us in many fields like customer s collection, foreign exchange etc. & their products in the respective fields are the best in class. These platforms are without human intervention & ensure customer s delight. We always look forward to building new partnerships with YES BANK so that it is a win-win case for both of us. C K BAGGA, Sr. VP Account & Finance, JK Lakshmi For Western Union, India is a very important recipient country in terms of inward remittances. We have partnered with YES BANK to automate our remittance processing for a customer outside India to pay his beneficiary in India in real-time through the WU-YES BANK API integration. The platform has been a superior experience in terms of process automation, security & customer delight. We look forward to engage with YES BANK on more innovative solutions. NITIN BHANDARI, Director APAC - Digital Initiatives, Western Union API-based system integration solution, offered by YES BANK, has enabled us to maintain an edge over competitors. Our customers are delighted to know that their near & dear ones receive the funds in their accounts through IMPS, even before leaving the counter, which definitely enhances customer experience. This solution has already resulted in benefits & we look forward to partnering with YES BANK for the next innovation in the remittance space. SURENDRA SHETTY, Chief Information Officer, UAE Exchange YES BANK is a leader in Technology Banking and the API architecture is conducive to business requirements of mostly all segments of businesses. In our FinTech, we are harnessing the API capabilities of the Bank for multiple services including controls, limit checks and automated transaction enablement. Due to another key service i.e. ecollect solution which is pure play API in works, we are able to serve at speed of 150 transaction per second to our mass market users. ANAND KUMAR BAJAJ, Founder & CEO, Nearby We started E-collection service through YES BANK in the month of Oct 16. Being in stock broking industry, time is of the essence for our clients. The service has significantly reduced time required for NEFT/RTGS transfer for our clients. We have provided this service through YES BANK, & their API based services was easy & quick to get started. The service has been a win-win solution for us as well as our clients. Happy with the service & wish YES BANK all the best. VIJAY KUMAR SINGHANIA, Director, VNS Group YES BANK IMPS integration has helped Myntra reduce refund times from an average of 2 days to less than a minute & number of customer complaints around the same has come down by 80% ROHIN VIG, Finance Controller Myntra Designs Pvt. Ltd.

14 BANK FROM ERP PORTFOLIO OF OFFERINGS SERVICE/CHANNEL API FILE BASED HOST-TO- HOST CORPORATE NET BANKING PORTAL MOBILE Payments Collections NA NA Supply Chain Financing [ ] [ ] Trade Finance [ ]- Work in progress, will be available soon File Based Host-to-Host - Auto conversion, encryption & transmission of data files to & from client ERP to & from Bank

15 CONCLUSION To conclude in one sentence Transform your business digitally with API Banking NOW Contact: ASIT OBEROI Group President & Global Head Transaction Banking, YES BANK

16 AWARDS & ACCOLADES Best Trade Finance Bank in India Payments Winner (Global) Transaction Banking Awards London, 2016 Best Corporate Payments Project in India, 2016 Best corporate digital bank 2016 (sub category best online cash management) Celent Model Bank Award Payment Product Innovation Award for API Banking and Bank in a Box, 2016 Best Use of Technology to Enhance Customer Experience, 40th SKOCH Summit, 2015 FINTEC INDIA Award for API Banking Innovation FinTec India Conference & Awards, 2017 REGISTERED OFFICE: Nehru Centre, 9th Floor, Discovery of India, Dr. A. B. Road, Worli, Mumbai , India.