2. Introduction
Comarch has been delivering systems to various financial
institutions, such as banks, brokerage houses, insurers
and companies which manage assets and funds, for more
than 15 years. As one of the largest IT suppliers in East-
Central Europe, Comarch boasts many product lines, a rich
collection of competencies and most importantly a large
group of satisfied clients. We offer our own pre-designed
and dedicated solutions and work based on integrating
systems. This folder presents Comarch’s key solutions for
the banking market.
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3. The above diagram presents Comarch’s competencies in the We also pay great attention to the application’s ergonomics
banking sector. Our mission is to deliver solutions which are which guarantees a high level of work comfort for the bank
closely adapted to user needs. We have, therefore, grouped personnel. The modern technology used in our solutions al-
them together into different areas depending on the specif- lows unlimited integration of Comarch systems with the bank’s
ic area of the banking sector. We realize that expectations database. The Comarch Front End (CAFÉ) platform is an ex-
placed on back-office applications differ significantly from ample of this.
what is expected by clients or from systems which support
the bank’s sales activities. Guaranteeing the adaptability of our applications to chang-
ing market conditions is also important to Comarch. Often, we
Comarch places special emphasis on the user interface. The have to deal with changes by regulatory bodies (e.g. changing
usability of Comarch’s solutions is the key to the company’s EU directives) in Europe. Increasing competitiveness and ful-
huge success on the Polish market. Applications such as filling client expectations, while keeping risk at a minimum, is
Comarch Internet Banking, Comarch Mobile Banking, Comar- also important to banks. Our solutions are characterized by a
ch Contact Center, CRM or Comarch Credit Process Manage- large degree of configurability. In systems such as Comarch
ment, have passed internal usability audits and are very highly Credit Process Management, Comarch Scoring Engine, Comar-
regarded by our clients. Annual awards and the high position of ch Rating System, Comarch Document Management or the
Comarch’s solutions in various rakings pay testament to this. Comarch Content Management System, the business admin-
istrator can make significant changes without using a single
line of code. More importantly the changes can be made by a
bank employee who does not possess specialist IT knowledge.
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4. Sales and Services Channel
comarch Front End (caFE) – an integrated client consultant system covers functionality for front-office (Sales Application)
work environment - available in any chosen financial institu- employees, who work directly with clients, as well as middle-
tion. It covers client portfolio functionalities, the Comarch CRM and back-office employees (Branch Director Application, Cen-
system module – chosen by the client – and operational mod- tral Application) responsible for managing the sales process.
ules, which allow the total servicing of the bank branch or in-
surer using one application environment. The environment is comarch contact center – a strategic point of contact, which
realized via web technologies. allows the integration of all the communications channels with
the client: telephone (conversations, voice mail, text messag-
comarch Investment advisor – a system which supports the ing), fax, email, internet. The solution increases the company’s
realization of wealth management services dedicated to in- competitiveness through the creation of strong client relations.
vestment consultants. It allows the exploration of client needs It raises effectiveness and the efficiency of communication
and predispositions as well as choosing the best possible in- and gathers and manages information about clients. Comarch
vestment strategy. The system fulfills the requirements of fi- Contact Center is a modern, modular and easy to develop plat-
nancial institutions with regards to bettering communication form, which is used to effectively service any type of commu-
with the client, a better understanding of his needs, invest- nications channel using the automatic IVR service as well as
ment profile and education. This is geared toward building long handling by client consultants. The Comarch solution is based
term relations with the bank as well as a better understand- on its own integrated application and supported by advanced
ing by the client of the principles of investment and the risk mechanisms from chosen tools platforms.
connected to it. The Comarch Investment Advisor system is
based on the CAFE system – widened to include a (MiFID com- comarch crm claim management – the solution deals with
pliant) research module, which checks the responsibility and the complex management of complaints. It constitutes a plat-
adequacy of the client, as well as tool which analyzes the in- form module that manages client relations – Comarch CRM. The
vestment profile and builds investment strategies. system is based on a proven ‘Service-Profit Chain’ mechanism
used by companies which are the unquestionable leaders on
comarch crm Sales management – a new generation, integrat- individual markets. The mechanism automatically links the qual-
ed, front-end application. It guarantees a complex client rela- ity of internal and external services (including complaint man-
tions service from the first acquisition, through to the launch agement) with financial results. The solution means that the
of sales programs (cross/up-selling), to an up to date opera- company is able to link the question of the funds used to main-
tional handling, using the whole scope of the product offer. The tain a high level of service with the expected financial results.
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5. comarch Internet Banking – the system guarantees clients comarch online Trading (NoL3) – the most modern tool on
from all segments access to services offered by the bank, the Polish market, which allows access to up to date stock
7 days a week, 24 hours a day, using the internet and smart- exchange listings and market information, market analysis
phone. Thanks to integration with various central systems, it as well as individual stocks. It also realizes tasks typical for
is a universal, complete, efficient and safe supplement to the Order Management System (OMS) solutions such as making
bank’s IT environment. The Comarch Internet Banking platform dispositions directly from the listings table and sending them
offers solutions, which carry out financial services through the to the market at the right moment.
self service channel, fulfilling large expectations of banks, bro-
kerage houses, investment funds and other financial institu- comarch credit Process management – a set of applications
tions. It is also an integration platform which links services which support the handling of credit processes in all client seg-
and products offered by one financial institution, or by a whole ments: corporate, retail and SME. The module based system
financial group, into a whole. makeup allows an optimal set of functionalities to be chosen.
It also supports the most important processes to do with the
comarch mobile Banking – mobile financial services, which handling of any credit products for any client segment: product
are becoming increasingly popular, are a natural consequence construction, simulation, application preparation, support for
of technological advances. Comarch created an application the decision making process, agreement preparation, collater-
which allows the managing of finance using mobile devices. al management, monitoring of active agreements, transaction
Thanks to Comarch Mobile Banking, a money transfer, invest- settlement, sales network management, calculating commis-
ment task, balance check or other banking operations are pos- sions and debt collection from unreliable clients.
sible using a mobile phone.
The corporate comarch credit Process management appli-
comarch Internet Investments - an independent system or cation has been extended to include additional tools, which
functional supplement to Comarch Internet Banking. It guar- are specific for this client segment. These include the rating
antees access to investment financial services through the engine, ratio analysis module or extended collateral manage-
internet and other electronic distribution channels for broker- ment. Similarly to CRM solutions, when designing a system
age house clients, trustees, investment funds, open pension which supports the credit process for large companies, em-
funds as well as other institutions which operate on the cap- phasis was placed on the flexibility of the decision making
ital market. The system has been continually developed from mechanism so that the propositions generated automatical-
1998 and offers the richest functionality on the market in terms ly do not stifle process management policies on a level char-
of access to the brokerage account, investment fund register acteristic for the retail segment.
and specialized investment products.
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6. Central Units – Corporate Business
comarch Trade Finance – supports the realization of business lio structure, control of investment limits, registering transac-
processes connected to letters of credit, bill collection and tions and operations on portfolios, valuation of portfolio assets,
guarantees. The Comarch Trade Finance system is part of the reports and measures the effectiveness of risk management.
IT solutions used by banks and requires integration with oth-
er systems used in the bank. These include the central sys- comarch custody – the application is geared toward banks
tem, general ledger or data warehouse. which deal with the turnover of securities and trustee activi-
ty. The system allows for the registration and the financial and
comarch Factoring – a complex solution geared toward the numerical settlement of transactions on securities held in the
handling of transactions which finance receivables. It handles National Depository for Securities and in foreign depositories.
electronic and paper invoices. The solution is characterized by
a large degree of flexibility in modeling the client service proc- comarch Deal management – a solution which allows the
ess. It allows data concerning the debtor or vendor to be add- processing of transactions made on the money and curren-
ed and defines a financing program. cy market as well as on debt instruments and derivatives, re-
alized through the bank’s dealing room or by internet banking
comarch asset management – the system is addressed to as- clients. The tool guarantees a complex handling of the trans-
set management companies, bank depositaries, investment actional process and accounting services with regards to the
and pension funds, insurance companies as well as other in- filling and valuation of instruments/transactions, the calcula-
stitutions which deal with investment activity and portfolio tion of transactional limits for clients as well as the balance
handling. Among others, the system guarantees the mode- equivalent, and adequacy of the transaction in terms of capital.
ling of portfolios, handling of orders, access to current portfo-
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7. Central Units – Risk
comarch Scoring Engine – a system platform, which supports itoring mechanisms, it automatically generates cases which
the work of credit analysts in terms of the construction of opti- fulfill the monitoring criteria, e.g. overdue repayments exceed-
mal strategies that rate credit applications and the risk factor ing 7 days. The system works in the context of the client which
involved in allocating credit as well as the analysis of a cred- means that the monitoring has to do with all the client’s ac-
it portfolio. The flexibility of its scoring definitions, and simple counts. Additionally, because the system is based on the Comar-
integration with the bank’s systems, allows a fast implemen- ch Business Process Management application, Comarch Cred-
tation and launch of the Comarch Scoring Engine. it Monitoring can automatically send the debt to be collected,
restructured or the credit conditions can be changed. The sys-
comarch rating – a tool which supports the rating of corpo- tem uses functionalities from the Printout Management mod-
rate clients. It is possible to use the application to check the ule, which makes it possible to generate reminders within the
rating of transactions. The tool is fully configurable by bank em- system for clients (together with a note about which remind-
ployees as it does not require programming knowledge. Due to er it is) as well as integration with the central printing machine
the high flexibility and integration with the credit process it is (mass correspondence).
possible to change the risk management policy within a few
minutes without the need to utilize IT resources. comarch risk management – a system which manages in-
vestment-credit portfolio risk. It also automates the risk con-
comarch BIK connector – a solution which is an integral part trol processes geared toward limiting the influence of the risk
of any credit system. The solution is offered as one of the mod- factor on elements of the business activity being carried out.
ules in a complex solution to service credit processes - Co- It indicates whether the observed fluctuations can be used
march Credit Process Management. for investment purposes.
comarch credit monitoring – the system supports credit con- comarch Performance & attribution – the system allows an
tract monitoring processes, especially the monitoring of es- active valuation of the effectiveness of investment portfolios,
crow, repayments, contract conditions as well as the client’s calculating effectiveness indicators in terms of benchmarks
financial situation. Thanks to the built-in Comarch Credit Mon- and risk, an analysis of the profit source attributes and loss-
es, incurred on individual classes of assets, as well as report-
ing the results of management.
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8. Central Units – Business Processes and end-to-end
Document Management; Marketing
comarch Business Process management – a modern tool comarch acrm – a new generation tool used to dynamically
geared toward modeling and managing business processes in process large amounts of data from the company’s internal
every institution. At the same time it is an integration platform systems and data coming in from external systems in real time.
based on a mature and flexible architecture, which integrates
many dispersed applications, such as transactional systems, comarch crm campaign management – a system which sup-
CRM, Contact Center, data warehouse or document archives. ports the management cycle of the whole marketing campaign,
starting with the planning, through to testing, realization, mod-
comarch Document management System – the solution sup- ification, ending with an examination of its effectiveness. The
ports document management and the flow of documents system allows the user to reach a chosen client group, whose
within the company. The system manages document images profile is carefully chosen, at the right time with the right in-
(scanned paper documents) as well as electronic documents formation and via the correct communication channel. This
(including text files, email). The processes which handle doc- unique solution, used by Comarch CRM Campaign Manage-
uments can be managed with the help of the Comarch Busi- ment, can integrate mass ATL campaigns with direct BTL cam-
ness Process Management system or through an internal, sim- paigns, which leads to synergy effects between the two types
plified workflow service. of activity as well as cutting the costs of reaching the client.
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9. comarch content management System – the platform is a so- comarch commission & Incentive – a provisional system
lution which manages the content and structure of the por- dedicated to institutions, which use an extensive agent, bro-
tal. It offers a set of tools which allow the mobile updating ker and intermediary network. The solution integrates all the
and management of the WWW service. Comarch CMS gives sales network data, commission policy for all the distribution
the user a large degree of freedom over the presented con- channels and settlements with units in the sales network, in
tent and a high level of security. Working with the system does one place. Additionally, gathering all the sales data in a single
not require installing any additional programming by the client location allows for better control of sales as well as the opti-
– all the necessary actions can be carried out from the level mization of motivational systems.
of the WWW browser.
comarch Business Intelligence – a modern IT solution based
comarch Loyalty management – an advanced set of business on data warehouse technology. Its basic role is to deliver or-
applications geared toward standard and advanced loyalty dered and comprehensible information which supports decision
programs. The system stands out due to its flexibility, ergo- making on various management levels in the bank. Comarch
nomic user interface and ease in operation. The scalable ar- Business Intelligence allows the choosing of and the applica-
chitecture guarantees the adaption of the loyalty program to tion of various analysis areas depending on the user needs,
company growth. e.g. sales, finance, controlling.
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10. Central Units – IT and Operations
comarch centralLog – a complex solution used to manage comarch Smartcard – a micro-processing cryptographic card
security information generated by the IT infrastructure of the based on Java technology used to safely store sensitive infor-
company. It contains tools used to centralize, analyze and ar- mation such as cryptographic keys and passwords. The cards
chive audit information generated by various security based are mostly used in PKI (Public Key Infrastructure) systems as
systems and applications as well as being independent (da- well as in banking institutions where extra security is required,
tabases for example). e.g. when clients carry out transactions. Security is guaran-
teed through the use of asymmetric cryptography as well as
comarch mobileID – a new method of authentication and au- through the fact that the private key, used to undersign the
thorization based on mobile telephones. The solution is easy transaction, never leaves the micro-processing card (it is gen-
to use, low cost and technically advanced. It is available as erated on a card and cannot be copied in any way), oapart from
a separate product or integrated with Comarch Security Ac- that the card PIN is known only to its owner.
cess Manager DRACO.
comarch SmartToken – on the hardware side, the solution is
comarch Security access manager Draco – a solution which based on USB tokens, which link the characteristics of a cryp-
guarantees identification, authentication, authorization and tographic micro-processing card with the card reader on one
accountability in accord with the most modern tendencies in device. The application together with the internal programming
the area of security and individual client needs. DRACO’s func- of the token, was designed by Comarch.
tional scope covers a series of user management areas, their
rights and access to sensitive data. comarch Smartcard Workshop – a solution used to manage
the life cycle of cards and cryptographic tokens. Apart from
comarch mobilePKI – a solution which supports authentica- the basic functionality, which realizes workflow processes
tion and authorization using mobile technologies. It allows and reports the current state of individual cards allocated by
use of the whole Public Key (PKI) infrastructure on the mobile the system, it also allows for a full integration with the offered
phone using the SIM card. Comarch Certificate Authority system.
comarch Secureadmin – a system that transparently monitors comarch certificate authority – allow full implementation of
user activity on the network level (passive and active analysis). the system based on the Public Key Infrastructure (PKI), in-
This means that implementation of the Comarch SecureAdmin cluding the issuing of certificates which secure the post, www
system does not require any modification or reconfiguration server, communications channels and authorization and au-
of existing applications or systems. It is not visible to users. thentication of users. It is a solution which services a certifi-
cate throughout its life – from the moment of its commission-
System comarch SoPEL (Digital Signature Service System) – ing - until it runs out or becomes void.
the complete implementation of a device which verifies a qual-
ified electronic signature as well as secure programming to comarch Security content management – a complex solution
create an electronic signature in accord with the current laws. for internet service providers. The system helps build a compet-
itive advantage by widening the offer by a series of extra secu-
comarch SafeDesktop – the solution secures the user sta- rity options and extra control of the content and connections.
tion of IT system users. Comarch SafeDesktop allows one to
gain various functionalities using micro-processing cards consulting and turnkey systems – Comarch carries out com-
as well as USB tokens in heterogeneous environments, in- plex consulting services, from the analysis of integral needs
cluding MS Windows 98SE/Me/2000/XP/2003/Vista/7 and and business processes through to solution recommenda-
Linux platforms. tions. It finally creates a functional specification as well as car-
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11. rying out a project which implements the integrated platform. communicating with business partners. Apart from the deliv-
Comarch consultants have extensive knowledge in this area, ery and implementation of standard products we are able to
which allows them to effectively analyze and design the flow fulfill individual client needs.
of business processes inside the company as well as when
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