DELIVERING SEAMLESS BANKING ANYWHERE, ANYTIME

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1 DELIVERING SEAMLESS BANKING ANYWHERE, ANYTIME Reimagine your banking experience

2 Mobility is at the center of the IoT trends driving a connected consumer, with a relentless focus on enhancing the digital experience for consumers. Research by a leading analyst firm indicates that mobile banking users will exceed 1.8 Billion by 2019, representing a quarter of the global adult population. The changing customer preference towards mobile banking across all segments has ensured that banks can expand their tech-savvy customer base to drive business growth and to achieve customer centricity. Banks are trying to keep in pace with the innovations and newer devices to provide their consumers a solution which is easy, convenient and seamless across all secured channels. Finacle Mobile Banking The Finacle Mobile Banking solution offers an intuitive and secure, banking experience to customers with a broad range of user centric features. The solution offers a direct app update capability for rapid deployment of apps across both Android and ios platforms. The Finacle Mobile Banking solution is complemented by a rich suite of surround solutions that offer self-service tools, biometric authentications, contextual offers and multi-modal interaction capabilities via chat, voice and audio tones. With this solution, you can support your customers entire banking journey, right from onboarding to transactional banking requests, on the mobile device of their choice. The solution s broad range of access modes includes a downloadable app, browser, USSD and SMS help meet the diverse needs of customers using different devices. By leveraging Finacle s unique omnichannel hub, the solution seamlessly integrates with disparate enterprise systems to deliver true cross-channel capabilities. The solution focuses on delivering an improved customer experience by binding in-built analytics and superior insights to have real-time control over their finances besides the strong capabilities in account management and aggregation, fund transfer, payments and personal financial management. For corporate users, it enables a secure login using multifactor authentications to view a comprehensive dashboard which includes the approvals, cash positions and transactions. For admin users, there are provisions for: comprehensive user management, audit management, backend system configuration and updating the theme at a screen level, based on the user categorization. 2 I External Document 2018 EdgeVerve Systems Limited

3 Functional Architecture Devices Basic Phone Smartphone Tablet Hybrid Finacle Surround Solutions ios Platforms Android Alliances Finanz Tools Access Modes SMS Aggregator Biometric Authentication Alerts SMS USSD Rich Client Browser VAS Campaign Management Finacle Analytics OE Cloud Services Layers Security Firebase Messaging AssistEdge Digital Wallet Banking Balance Inquiry Funds Transfer ATM / Branch Locator Customer registration New customer onboarding Contacts management Credit card overview Loan account details Payments Bill Payment Remote Deposit Contactless Peer to Peer QR code based Shopping mall Online merchant VAS Ticketing Coupons Prepaid Top Up Share account details Transaction search Financial contacts Emergency services Corporate Secure login Dashboard Funds transfer Admin Menu management Literal management Audits Module management Color themes Remote Deposits Clari5 ToneTag MoneyThor UPI Solution Omnichannel Hub Core CRM Trade Treasury Cards Others Key Features Unified platform for retail, SME & corporate customers Finacle Mobile Banking provides a unified banking platform for your retail, small and medium enterprises and corporate customers, with a comprehensive feature suite providing unique value propositions for all customer segments. Seamless multichannel banking The solution leverages the Finacle omnichannel hub to enable seamless banking experiences across all customer touch-points. It allows you to centralize customer preferences, entitlements and business rules to deliver unified service experience across banking channels. Responsive UI design to deliver exceptional experience across devices Built leveraging the latest client-side technologies, the solution provides flexible and fluid layouts that adapt to any screen across devices (smartphones, wearables and tablets), platforms (ios, Android) and access modes (SMS, USSD, mobile Web, downloadable apps). The solution also supports, Web and hybrid apps. Advanced integration architecture Finacle Mobile Banking s robust host integration framework and open standards based architecture ensures seamless integration with enterprise applications. The strong integration capabilities enable you to significantly reduce the complexity and cost associated with integrating mobile banking with existing systems. Finacle s unique Mobili5 approach to solution delivery further reduces the deployment time of Finacle Mobile Banking solution. Finacle s modular architecture allows banks to make informed choices on desire modules and External Document 2018 EdgeVerve Systems Limited I 3

4 also co-create more with partners. The application is cloud-native and decoupled from any specific physical resource. Embedded analytics An improvised user experience is provided to users based on the analysis of user behavior with the following identifiers: User ID, Menu Name, Date and Time when menu is accessed, Device (android device and iphone device), Location and Preferred Network (3G / 4G / Wi-Fi). Business Benefits Accelerate innovation and revenue growth Finacle Mobile Banking Solution offers a robust platform to accelerate mobile-led innovation. It brings along a comprehensive suite of capabilities to give you a head start, while also providing a robust development platform to extend the solution independently to meet evolving business requirements. The capabilities to rollout new features across mobile platforms instantly gives an unprecedented pace to your mobile strategy. Delight customers with new-age mobile banking experience The solution offers a broad range of differentiated capabilities to enhance customer experience and to boost your up-sell/cross-sell success. Through features like speech based payments, contextual alerts, and remote advisory services, the solution makes it easier for customers to serve themselves through mobile devices thereby giving a major push to your mobile sales success. Serve all customer segments effectively This enterprise-class solution offers a unified platform to design and deliver apps to serve retail, small business and corporate customers. It ensures rapid launch of various common features across customer segments, while also reducing cost of deployment and maintenance of various mobile apps. Rapid time to market Our pre-configured, pre-certified, ready-to deploy Mobile Bank-in-a-Box flavor covers essential banking services and ensures your bank launches mobile banking services with minimal upfront investment in time, effort, and resources. Shorter time to market is assured through a robust integration platform that ensures easy integration with multiple host systems. Application Architecture Browser/ Webview Polymer Components Cordova Plugins Peripheral Devices Chat OeCloud Server oecloud UI Model Driven REST Services + Personalization Filters Push Notifications Auth & Entitlements Alerts & Notifications Reporting Batches Omnichannel Hub Channel Administration Channel Business Logic Transaction Manager Analytics Feeds Node Red Host Integration/Apache Camel Host Systems Core CRM Trade Treasury Cards Others 4 I External Document 2018 EdgeVerve Systems Limited

5 Functional Highlights Intuitive customer dashboard Funds transfers Bill presentment and payments Beneficiary and biller management Remote deposit capture Prepaid mobile recharge Speech based payments Biometric authentications ATM and bank branch locator Person-to-person and person-tomerchant payments Graphical product simulators Personalization features Banking on wearables Actionable in-app alerts and notifications PUSH notifications for mobile marketing Contextual offers Remote advisory Personal financial management Corporate payment workflows New customer onboarding Shopping mall payments Easy sharing via QR code and audio tones Transaction searching Emergency contacts External Document 2018 EdgeVerve Systems Limited I 5

6 About Infosys Finacle Finacle is the industry-leading digital banking solution suite from EdgeVerve Systems, a wholly owned product subsidiary of Infosys. Finacle helps traditional and emerging financial institutions drive truly digital transformation to achieve frictionless customer experiences, larger ecosystem play, insights driven interactions and ubiquitous automation. Today, banks in over 100 countries rely on Finacle to service more than a billion consumers and 1.3 billion accounts. Finacle solutions address the core banking, omnichannel banking, payments, treasury, origination, liquidity management, Islamic banking, wealth management, analytics, artificial intelligence, and blockchain requirements of financial institutions to drive business excellence. An assessment of the top 1250 banks in the world reveals that institutions powered by the Finacle Core Banking solution, on average, enjoy 7.2% points lower costs-to-income ratio than others. For more information, contact finacle@edgeverve.com EdgeVerve Systems Limited, a wholly owned subsidiary of Infosys, Bangalore, India. All Rights Reserved. This documentation is the sole property of EdgeVerve Systems Limited ( EdgeVerve ). EdgeVerve believes the information in this document or page is accurate as of its publication date; such information is subject to change without notice. EdgeVerve acknowledges the proprietary rights of other companies to the trademarks, product names and such other intellectual property rights mentioned in this document. This document is not for general distribution and is meant for use solely by the person or entity that it has been specifically issued to and can be used for the sole purpose it is intended to be used for as communicated by EdgeVerve in writing. Except as expressly permitted by EdgeVerve in writing, 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 written permission of EdgeVerve and/ or any named intellectual property rights holders under this document.