Introduction. Powerful forces are reshaping the banking industry.

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2 Introduction Powerful forces are reshaping the banking industry. Customer expectations, technological capabilities, regulatory requirements, demographics and economics are together creating an imperative to change. Banks need to get ahead of these challenges and retool to win in the next era. Banks must not only execute on today s imperatives, but also radically innovate and transform themselves for the future. ebankit can help banks address all these challenges with its platform and fully featured digital channels.

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4 Consumers want their banks to be a relevant part of their lives more than just a repository for their money. Based on our survey findings, the five top consumer wants are the followin (Understanding Financial Consumers in the Digital Era, CGI): Reward me for my business (81%) Give me anytime, anyplace access to my balance (61%) See me as a person (58%) Provide me with wealth-building advice (55%) Tell me what I am spending money on and how I can save (52%) Give me access to independent experts when I need them (50%) Allow me to borrow up to an agreed limit at any time (49%) Allow me to pay for goods and services instantly using whatever device (49%) Source: Gallup, US data

5 Our survey revealed the following preferences (Understanding Financial Consumers in the Digital Era, CGI): Digital channels (tablet, smart phone, laptop) (58%) Face-to-face (24%) Telephone banking (18%) How do consumers want their top financial services to be delivered What does this mean for banks? While the digital channel is very important, people are still interested in face-to-face interaction and phone service. Having an omnichannel strategy, therefore, is critical to providing a consistent customer experience. It ensures the customer s actions are known whether he or she is online, on a call, or in the branch. It also ensures a seamless banking experience, regardless of financial product or service, and that the bank meets the consumer s lifestyle, rather than forcing the consumer to adapt to its organizational ways.

6 Who are the stakeholders? The Customers Ever increasing customer expectations Design experiences that are SUPER: Simple, Ubiquitous, Personal, Empowering, Responsive The Bank Business Owners Agility / Flexibility Launching new services Drive Digital Sales Cost control The Bank IT Organization Accelerate innovation Decoupling from UX Core systems Consolidation / Upgrading Cost control The ebankit Platform

7 Advantages of the ebankit Platform Short time to market Connect to fintech Enable to connect to all core banking systems Data analysis Secure Single platform for any device, any channel, any customer ebankit Platform supports all banking business in all areas, providing an agile way for integration of external systems, like core banking systems, messaging gateways and all ebankit channels. The platform enables banks with legacy systems, any core banking, back-end to reuse business logic and systems whilst positioning superiorly online, accelerating the onboarding of innovation and fintech products

8 Future-proofing solutions for the banks of tomorrow Corporate Banking Insurance Wealth Management Retail Banking

9 ebankit Retail Banking ebankit solutions for Retail Banking unify and create a uniquely consistent experience across your bank s applications, increasing the levels of engagement with your customers across banking channels. ebankit provides your Bank with the agility and efficiency that enables the Digita transformation required to stay ahead of your most demanding customer s needs. My banking dashboard Accounts and transactions Transfers and payments Deposits and loans Personal Finance Management Branch Locator Document Vault Co-browsing Analytics.

10 ebankit Corporate Banking ebankit s Corporate Banking solution provides a modern digital experience for today s commercial banking businesses Multi-user platform with built-in security centre and entitlements capability Multi-account management FX and multi-currency handling Pending orders approval List of escrow accounts List of users related to the corporate account Managing users: create, block, unblock, delete PS2 payments: allows to execute several payments in a single file at onc

11 ebankit Wealth Management ebankit s Wealth Management Solution offers Private Banks and asset management companies the opportunity to fully engage with their existing clients and attract new ones with a modern digital offering Portfolio Management tools Transfer and FX capabilities Advanced biometric authentication Document Vault Secure Messaging Flexible integration with core banking systems (including fully custom built)

12 Responsive Web Design Internet Banking, one of the leading examples in omnichannel innovation. 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. The ebankit solution is functionally rich and available for retail and corporate clients, making the vast majority of banking operations immediately available.

13 Your bank, where you need it, when you need it ebankit s Mobile Banking Apps take all the benefits modern Smartphone technology has to offer and delivers a fully featured, high performance, secure mobile experience. ebankit s Mobile Banking Innovative App puts at your disposal a wide range of innovative features, namely: Biometric authentication Document Vault Advanced biometric access ios, Android and Windows Phone Integrated social banking Secure and fast onboarding Voice Recognition Augmented Reality Beacons Widgets Pre-login campaigns Loyalty Cards Transaction context information

14 The wrist bank Wearable technology is becoming pervasive as we strive for ever increasing productivity. Emerging as a complement for our award winning digital banking solutions, ebankit s Smartwatch Banking apps allows customers to check their latest banking transactions on their Login Check your balance Bank messages Perform payments and top-ups Transfer money Branch locator Smartwatches or receive their most important notifications from the Bank on the go Wearable Banking is available for Android Wear, Tizen & Apple smartwatches, integrating with ios and Android operating systems, with the following features:

15 An Integrated Contact Center Solution A specialized web-based solution for contact centers, with telephony integration enabling contact center agents to manage customers through a single interface: s, Chats, calls and IVR customer service. It allows a complete customer service: checking the unified client view, improving the quality of service (QoS), handling campaigns and customer service scripts as well as complaints management. A service with quality and simplicity for your clients satisfaction. Co-browsing tool for customer support

16 More efficiency. More Busines The new generation branch front-office is oriented to organize daily branch activity, create ne ways and opportunities of contact with Clients and a complete and fast customer service. The front-office tool supports all the branches primary functions: front-desk and commercia customer service as well as backoffic

17 Capture the attention of your audience! Add extra layers of information Flyer product simulation with: User account information Dynamic rate and interest Subscribe action

18 Customer self-service ebankit Kiosk s solution provides immediate access to a group of banking transactions, services and consultations that can be executed by the customers with a high level of autonomy, security and swiftness. Your clients avoid long queues, enabling faster customer service. Reduce Queuing time in branches Increase sales and satisfaction Personalize Messages Decrease Costs Enable Branch staff to focus on mores co - plex matters

19 Know your customer Analytics is part of the ebankit Omnichannel Suite and is the newest module of ebankit s Backoffice solutio Simple, scalable and dynamic Analytics is an easy to use tool to analyze data and share insights, without requiring extensive technical expertise. Provides personalized styles and themes based on your choice. Charts management Drag and drop variables to create your specific chart. Exporter tool Simple export to PDF or XLS format. You can monitor digital banking traffic, identif devices and plot trends. Dashboard creator Customized information on the dashboard according to your needs. Visual Simulation

20 Smart Banking Smart banking is going to change the way customers connect with their banks. Developed for smart TVs, it s a specifically designed inte - face which increases the interaction customers and banks, allowing quick and comfortable browsing. Smart Simple Smart Bank allows you to check your account balance, transfer money or pay bills in an absolutely secure way. Your customers can also have access to information regarding banking products or campaign details created exclusively for them. Smart Shopping While waiting for their TV shows to begin, Smart Shopping takes your customers buying the products which are being advertised, by pushing a single button. Smart Adviser With Smart Adviser, bank customers can contact account managers directly, and send a message from anywhere in the application.

21 Why ebankit? ebankit Platform Pre-built integrations with core systems Easy to integrate custom solutions Rich business focussed middleware ebankit Studio Full development suite Rapid deployment High quality, robust banking solutions. ebankit Application Suite Fully formed applications Omni-channel customer experience Class leading time-to-results From kick-off to liv Incremental development Open and Agile Architecture Built from the core to enable flexibilit World Class Innovation Always looking one step ahead Embrace future fintech integration

22 Clients by Country

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24 Faster Omnichannel Time to Market Named by Gartner as... one of 7 Vendors Worldwide that support digital banking across all key areas in the bank enterprise...