Axx2inn mobile offering-v039 - uploaded Jan 2013.

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2innovate IT an Axxiome Group Company. …

2innovate IT an Axxiome Group Company.
Mobile Solutions for Banks and Financial Institutions.

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  • Nuestra casa central esta en Suiza.Tenemos oficinas en Europa, Alemania, Inglaterra y Polonia.Américas tenemos oficinas en: EEUU, Canadá, México, Brasil, Colombia, Argentina y Uruguay.Tenemos Software Factorys en Uruguay, Argentina, Brasil y Polonia.Trabajamos con Consultores Funcionales onSite y construimos donde están nuestras software factorys..La empresa emplea a mas de 350 consultores y técnicos a nivel global.Somos partnerestrategico de SAP, para la consultoria e implementacion de soluciones de Core para Banca, Seguros y Tesorerías Corporativas.
  • 2Innovate IT es la Division de Innovacion de Axxiome Grupo.- Creamos y productos y trabajamos en diferentes líneas de investigación.Trabajamos en Reconocimiento Facial.Mobile Solutions.Medios de Pago.
  • Sistemas de Pagos. (SWIFT, NACHA, ISO8583, CNAB, XML, Formatos Propietarios)Pagos entre instituciones Bancarias y financieras: Pagos Interbancarios, Giros, Transferencias, Débitos Directos, Créditos.Pagos entre Empresas y Empresas-Bancos.Ruteos y autorizaciones de pagos.Incorpora múltiples Instituciones de Pagos basadas en: Swift, Nacha, SEPA, ISO, ACHs.Procesos: Reconciliación, Compensación, reparación y seguimientos de pagos.Cash ManagementExperiencia y especialización en Banca Corporativa.EIPP: ElectronicInvoice, Presentation and Payment.Collection Management y manejo de disputas.Factoring.Confirming.TellerDepósitos en cuenta propia o de terceros.Pagos de Prestamos, Cheques, Tarjetas.Pagos de Servicios, Multi-recaudos. (Agua, Luz, Teléfono, Impuestos, TV Cable.Cambio de Monedas.Manejo de Múltiples Medios de Pagos (cash, cheques, lingotes, etc.)Operaciones No Monetarias.Operaciones clásicas (Apertura, Cierre, Arqueo, Reposición, Retiro, Reportes).Dispositivos: Impresoras, contadores, recicladores, clasificadoras, dispensadores, pin pads, etc.BackofficeConstrucción del Front-end para las operaciones y procesos del Backoffice y Frontoffice (no cajas).Creación y registración de nuevos clientes.Originaciónde Cuentas y Productos.Generación de Prestamos.Alta de tarjetas en línea.Generación de órdenes de pago recurrentes o única vez.Solicitud, cancelación de Chequeras.Solicitudes y seguimientos de reclamos o incidentes.Excelente time tomarket para crear nuevos productos.Business IntelligenceGran experiencia y especialización en Modelado de Datos en sector financiero.Homogeneización y consistencia de Datos del Negocio.Soporte a Toma de Decisiones.Seguimiento Plan Estratégico.Mejora de la competitividad.Centralizar, Depurar y Afianzar los datos.Maximizar el rendimiento de los sistemas.Bajar el CTO y mejorar el ROI en IT.ChannelsIntegración de los canales de venta o comunicación con el negocio (WEB, Mobile, Phone, Fax, etc.).Integración de canales financiero con las app del negocio (Buro de Créditos, Listas Negras, Canales de Pago, ACH, etc.).Desarrollos de soluciones de nicho multicanales (Mobile, WEB, Phones, Fax).Solución de banca móvil y pagos móviles.Banca on line WEB (Homebanking).Solución de créditos retails.Soluciones de IVR y ACD para IP Phone.Soluciones basadas en FAX entrantes / salientes.
  • Como agrega valor Mobile Computing en BankingServices.Acelerar el negocio del banco, movilizando Workflows y datos del negocio.Soportar las actividades en campo, Ventas, Operaciones, Soporte a las Decisiones en todos los niveles gerenciales.Mejorar los servicios de atención a clientes en las sucursales.Incrementar el volumen de transacciones a través de dispositivos móviles (smartphones y tablets).Reducir los ciclos de procesos. Otorgamiento de Prestamos, Servicios a clientes, etc.Proveer un canal económico para transacciones de baja denominación.Integrar las grandes masas de la población que no están bancarizadas, para que transaccionen a través de sus móviles.Ingresar en negocios, donde hoy el banco no participa (Ej. Remesas, Cobranzas de Servicios Masivos y Utilities, Agua, Luz, Teléfono, Impuestos, Cable).
  • Pensando en la fuerza de ventas.Cartera de clientes y/o prospectos asignados al oficial de cuentas.Originacion de Prestamos (Sobregiro en Cuenta, Autos, Tarjetas de Crédito, Personal).Consulta del offering disponible para un cliente, o sea Lista de productos que NO tiene y se le pueden ofrecer.Vista unica del clientes, Posicion, Productos que no tiene.Datos de cliente, Datos de Contacto, Ubicación en el mapa de sus direcciones registradas.Consulta de Tasas de productos y Tipos de Cambio de monedas.Lista de las cuentas por cobrar que vencen en el día.Lista de renovaciones de plazos fijos en el día.Requerimientos y Autorizaciones (sobregiros en cuenta, cheques sin fondos, etc.).Pensando en el nivel gerencial alto y/o intermedio.Dashboard ejecutivo con una imagen en tiempo real de la salud del banco.Dashboards especializados con indicadores clave para cada gerencia (CEO, CFO, CTO, CIO, etc)Capacidad para dar aprobaciones y autorizaciones, de forma segura, trazable y controlada.Notificaciones de eventos relevantes que puedan afectar al banco, para reaccionar en tiempo real a las condiciones cambiantes del mercado.Alertas de negocio.
  • El desafío es extender los procesos de negocio desde el escritorio hasta el móvil.La movilidad se está adoptando en toda la empresa - las tareas de los usuarios, los ejecutivos de negocios y gerentes de línea de negocio, lo usan cada vez mas. Aunque sus necesidades de movilidad pueden variar, una única plataforma se puede utilizar para tratar tanto la creación de aplicaciones y la gestión de los dispositivos, así como las necesidades de seguridad, lo cual ayuda a reducir dramaticamente la complejidad y el costo.Lo que surge del grafico es que NO estamos hablando de un cierto tipo de aplicación o dispositivo, o una función dentro de la empresa, estamos hablando de lo que la movilidad significa dentro de la empresa.Problema que debe ser abordado desde una perspectiva de la infraestructura multi-funcional.La capa inferior es donde Sybase ha sido históricamente fuerte, la adquisición por parte de SAP ha puesto a la plataforma en la posición ideal para expandirse hacia arriba. Puesto que todos los clientes de SAP ya tienen estas necesidades.
  • Empresa innovadora, con la visión apuntando a la banca en 2020.Fuerte foco y especialización en Banca, Seguros y Tesorerías Corporativas.Software Factorýs Maduras. Listas para hacer delivery de proyectos.Partnership Global con SAP para BankingServices.Un gran equipo de consultores experientes, implementando sistemas core, para los clientes mas exigentes. La industria financiera.

Transcript

  • 1. Mobility for Financial InstitutionsAn Axxiome Group company Solutions for Customers and Employees
  • 2. Axxiome GroupAxxiome Group offers a wide range of consulting services for the financialindustry. We specialize in the areas of Core Banking, Core Insurance, andCorporate Treasury systems with a strong focus on SAP products.2InnovateIT specializes in the development of financial software to complement thecapabilities of legacy systems, focusing on functional areas around the core banking,such as: , Mobile Solutions, Payment Systems, BackOffice & Teller Front-EndSystems, Loan Origination Systems and Business Intelligence with a strongfocus on Sybase technology. (Mobility, HANA).
  • 3. Global Presence Canada Germany Axxiome Canada Ltd. Axxiome Dtl. GmbH On Site – Advisor’s UK Axxiome UK Ltd. Poland Axxiome Polska Sp. z o.o. USA Axxiome Americas IncOn Site – Advisor’s Switzerland Axxiome AG Mexico Office On Site – Advisor’s Brazil Colombia OfficeAxxiome Colombia SAS On Site – Advisor’s Argentina Uruguay Office Axxiome Uruguay SA 2innovate IT Software Factory Software Factory +400 consultants around the world
  • 4. Strong focus on financial institutions. Banking Insurance CorporatesSAP Consulting Services ● ● ●SAP Technology Services ● ● ● Software Products ● ● Application Support ● ●
  • 5. 2innovate IT - Services Consulting and Development:  Payment Systems.  BackOffice & Teller Front-End Systems.  Phone & Web Channels, integration – EAI.  Loan Origination Systems.  Business Intelligence.  Mobile Solutions for Customers and Employees.
  • 6. DefinitionsMobility for Bank Customers Retail and Corporate Mobility for Bank Executives Mobile Banking Mobile mBanking4E The mobile device is used by The mobile phone is used by bank executives as Front End customers as an access for the Core Banking channel to financial services System, to do business over Bank Accounts. operations. Mobile Payments, Mobile Device Management Money Transfer (MDM) AFARIA The mobile phone is used bycustomers as a payment device A System to manage and to transfer money from one secure Mobile Devices in party to another. field, used by employees.
  • 7. What does mobility mean for the financial world ?
  • 8. Why is mobile banking a good business ? Enables banks to deliver existing services  Improves security by adding another via mobile phones, so customers can security layer (customers use the or a access to their accounts anytime, message as an alternative to the one-time anywhere. Personal Identification Number generator or tokens). Reduces cost of customer service  Enhances marketing opportunities by delivery over more expensive introducing more immediate and channels, such as call center, branch personalized communication over mobile personnel and ATMs. phones.
  • 9. What does mobility mean for financial institutions ? Accelerated banking business by mobilizing workflows and business data. Support field activities, such as sales and operations and decision support at all levels. Improve customer loyalty. Improve customer service in branches. Increased transaction volumes through remote (mobile) channels. Reducing operative costs. Reduced time cycle of the banking processes. For example: loan origination, blocking of a credit card, credit card limit increase. A cost efficient channel for low value transactions. Integration of unbanked population through their mobile transactions. Getting into areas of business where they are not present yet (remittances, payment of utilities, payment of taxes and services) by using the mobile channel.
  • 10. Solutions offering - Mobility for Financial Institutions. MOBILE for Executives Mobile for CUSTOMERSAxxiome mBanking4E is a mobile banking Sybase mCommerce 365 is a platform aimed toplatform for bank executives aimed at supporting implement Mobile Commerce solutions foractivities of account officers, sales force people Financial Institutions like:and decision makers of the bank enabling them to  Mobile Wallets. Enabling P2P Payments,work anywhere and anytime, using core banking Remittances, Bill Payment, Merchant Payments,functionalities. Airtime Top up, and many otherr transactions.  Origination processes for the Sales  Mobile Banking for Retail and Corporate Force. customers. Enabling customers access to their  Advanced Customer Management. accounts Anytime, Anywhere.  Mobilizing BI and specialized  Enabling personalized marketing through the Dashboards. mobile phone.  Foreign Trade.  Mobilizing Workflows. Approvals, Requests, Tasks. mBanking4E AFARIA - MDM
  • 11. Professional Services – Offering. Consulting, Strategies, Implementation and Deployment.  Mobile Banking.  Mobile Wallets, Mobile Commerce, Payments and Remittances. Mobile Banking for Bank Executives, Strategies to mobilize the Financial Operations.  Mobile Front Ends for Core Banking.  Workflows, Approvals and Requests.  Inquiries, Dashboards, Analytic Reports.  Advanced Customer Management, maximizing the customer portfolio.  Sales force in field automation.  Tailored development. Integration Core Banking and Legacy Systems, with Mobile Platforms Integration POS Networks, ATM Networks, Payment Networks and third-party systems with Mobile Platforms. Integration TELCOs (SMS) with Mobile Platforms.
  • 12. Mobile for Bank Executives – mBanking4E. Sales Force Empowerment Key Functions List of assigned customers. Loan Origination Process (Loans, Credit Cards). List of products clients do NOT have and may be offered. Query on the customer’s Total Commitment. Customer Data, Contact Data, View on Map. Interest rates per product and currency exchange rates. Alerts on accounts receivable to call. Alerts on renewals of fixed term deposits. Requests/Response for approvals. (overdraft check, etc). .............................. Executive Dashboards Key Functions Executive Dashboard with a Real Time overview of the health of the organization. Dashboards for the CEO, CFO, COO and CTO. Approval and authorization request capabilities. Notifications about relevant events that affect the company so as to react in real time to dynamic business conditions. Alerts. …………………………………
  • 13. mBanking4E – Enterprise mobility use…. Today! Dashboards Mobile Enterprise Application Platform Email Execs Workflows Contacts & Business Processes Line of Business Managers Approval Requests Calendars Field Services CRM Task & Business Users Hours & Scheduling Expenses & Dispatch
  • 14. MDM – Managing and Securing the device LifecycleProvision ProductionManage Manage• Assign group membership and policies • Track asset data• Configuring device for connectivity • Update/repair software• OTA delivery of management client • Monitoring & self-healing• Initial application deployment • Maintain/modify device & app configuration • Distribute & update LOB data & filesSecure • Software license usage and tracking• Establish security policies • Scheduled and automate activities• Initialize power-on password • Remote Control of devices• Install and encrypt data on device• Install & configure AV, firewall,port/peripheral controls Secure Decommission • Back-up device data • Apply patch and security updatesDecommission • Enforce security policies • Monitor/track security violations/threats • Compliance activity loggingSecure• Disable lost/stolen device Manage – Remote kill/lock • Reprovision/reimage device – Access violation lock – Replacement device-same user – “Data fading” – Repurposed device• Disable device, network, application • Redeploy software assetsaccess • Restore data (after device kill)
  • 15. ImplementingSybase mCommerce 365 Mobile Wallet - Money Transfer. - Merchant Payments. - Bill Payment - Airtime top up - …… Mobile Banking - Retail and Corporate Customers.
  • 16. Mobile Banking for Customers. Mobile Wallet. Mobile Commerce Platform (Mobiliser) Mobile Banking Money Transfer Mobile Payments The mobile phone is used by The mobile phone is used bycustomers as an access channel customers as a payment device to to financial services over Bank transfer money from one party to Accounts. another. mBanking 365 mPayments 365 mRemmitances 365
  • 17. Growth DriversMobile Banking Mobile Payments Mobile Money• Competitive Pressure • Competitive Pressure • Cost of acquiring new• Banks focused on • Phone penetration customers and opening Transformation and a • Consumer convenience branches Customer-centered • mCommerce growth • Government’s pressure to approach extend financial services• Legacy infrastructure • Demand for cash to under- being replaced alternatives in emerging banked/unbanked markets population• Channel focus • MNOs seek higher ARPU• Smartphone/Tablet boom • Competitive pressure • Government Support and • Mobile as the only access• Card Usage encouragement for channel to Internet Encouragement – Take financial inclusion advantage of the mobile programs • Government ‘s search to phone to extend loyalty lower disbursement programs by driving • Opportunity to get a piece program costs and targeted campaigns to of the P2P and Intl. prevent corruption promote card usage Remittance pie due to high • Deposit and account cost of alternative openings• Potential to promote providers like WU brands and unify silos in one application – Insurance, Banking, Mortgage for ex.
  • 18. mCommerce Functionalities - An integrated solution EVOLUTION OF REQUIREMENTS Mobile Banking Mobile Payments Mobile MoneyEnd User End User End User Account balances  AirTime TopUp  Balance, statement ,bill pay  P2P, Bill Pay, Int’l Remittance  Transfer ,cash in/cash out Transaction history  Merchant Payment  Merchant Account details payment, micropayments, loan Card management Agents repayments PIN management  KYC details/collection  Cash in/cash out Agents Complaints management  KYC details/collection Notifications/alerts Merchant  Cash in/cash out  Merchant portal, fee tracking User preferences such as Merchant  Merchant on-boarding languages or limits  Merchant portal Back office  Merchant reports, fee trackingBack office functions  Settlement, Clearing, Fee Reports, etc. distribution Back office  GL, settlement, clearing, interest rate Customer Support calculation, bulk payments  Blocking, enabling, reversals Customer Support  Blocking, enabling, reversals Cost Savings New Services New Value
  • 19. Why Axxiome / 2 innovate IT ? We are an innovative company with Seniority in the banking business, with more then 25 years of experience. We have been working with our minds set on the year 2020 banking style. We have a strong vertical focus on the financial industry, implementing SAP for Banking, Sybase and our own products (4x4 Transaction Broker) certified by SAP & SWIFT. The best tools to build solutions for the financial industry. Have mature and cost efficient software factories located in Uruguay, Argentina and Poland. Strategic SAP Platinum global partner for Banking and Insurance Services. We have certified consultants in BAS & Mobile Solutions. We have a big team of consultants around the world specialized in all areas of the banking business. More than 400 consultants working in the most complex projects and implementing Core Banking, Core Insurance and Payment Solutions for the most demanding customers, Banks & Insurances Companies.
  • 20. Thanks for your time!!! Questions ?ivan.kechichian@2innovateIT.com ivan.kechichian@axxiome.com www.Axxiome.com