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Polaris Corporate Overview


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Polaris Corporate Overview

  1. 1. Polaris – Your Partner in Progress This presentation is the copyright of Polaris Software Lab and cannot be circulated without permissions. Copyright of Polaris Software Lab Ltd 2008
  2. 2. Corporate Profile <ul><li>Business Technology Solution Provider </li></ul><ul><li>Over 2,000 projects and 25,000+ person years of experience </li></ul><ul><li>Global Delivery Capabilities </li></ul><ul><li>Established Quality Management Practices </li></ul><ul><li>Partner global leaders HP,IBM, Oracle, MS, BEA </li></ul>7 Top Investment Banks, 4 Top High Street Banks 3 Top Australian Banks, 3 Top Middle East Banks Rely on our Expertise <ul><li>Public Company, over USD 330 Mm annual revenue </li></ul><ul><li>11,000 employees spread across 7 Business Solution Centers in 29 Offices globally </li></ul><ul><li>Among the top 10 Indian Software Majors with a mature Services model </li></ul><ul><li>Leader in Specialty Applications for BFSI with Smart Legacy modernization approach </li></ul>Profile Facts
  3. 3. Polaris – Solution Provider to the Global Financial World International Offices Belfast Chennai Chicago Dubai Dublin Frankfurt Fremont Hong Kong Hyderabad London Manama Mumbai Neuchatel New Delhi New Jersey Riyadh Santiago Singapore Sydney Tokyo Toronto Utrecht Vincennes Wicklow Near-shore Development Centers NJ, Canada, Northern Ireland, Sydney Super Specialization Centers Chennai, Hyderabad, Mumbai, Gurgaon, Bangalore (Optimus) Top 7 Wall Street Majors, Top 5 High Street UK banks, Top 5 Mainland Europe Banks, Leading Middle East, South East and Indian Banks as Customers $ 330 Mln in revenue, 11000 banking solution experts, Intellect Suite contributes to 20% of Polaris revenues within 3 years of existence
  4. 4. We operate from Our Centers of Excellence Retail Banking Solution Center Home to our Product Group Investment Banking Solution Center Corporate Banking Center Enterprise Solution Center Risk & Treasury Insurance and Testing Center
  5. 5. Testimony: A Growing base of global clientele Leader in the category of &quot;Specialty Application Development&quot; among the Top 100 global companies for the years 2006 and 2007 According to the 2007 Forrester Report of Global Banking Platform Deals in 2006, Polaris has been placed in the Global Challenger Group among banking platform vendors worldwide (12 banking platform deals in 2006) Front Office Project Winner (2007) – Replacement of 27 European Risk Treasury Branch Systems over 18 months at Citibank 1985 2008 2003 Polaris Citigroup Citibank India COSL UBS AIG Northern Trust Barclays JPMC RBC HSBC MetLife AIG NBAD Bankers Trust Allied Irish Santander World Bank DTCC SEB Deutsche Bank DNS Presto RBS Polaris
  6. 6. Polaris @ a glance
  7. 7. Technology Competence <ul><li>Pioneers in SOA solutions (Smithsonian Award in 1991 for First Core Banking on Distributed Architecture) </li></ul><ul><ul><li>Platform agnostic </li></ul></ul><ul><ul><li>Ability to extract business services </li></ul></ul><ul><ul><li>Ability to separate Business Logic from </li></ul></ul><ul><ul><li>Process / Technology </li></ul></ul><ul><li>Unmatched Global SI experience </li></ul><ul><ul><li>Multi-country Rollout - Deployment of global systems in 72 countries </li></ul></ul><ul><ul><li>Building Business Ecosystems by integrating best-of-breed & proprietary home grown systems </li></ul></ul><ul><li>BALC perspective (not SDLC) </li></ul><ul><ul><li>Managing Business Life Cycle through generations of technology transitions </li></ul></ul><ul><ul><li>Enabling business model evolution – horizontal and vertical </li></ul></ul><ul><li>COE Approach </li></ul><ul><ul><li>Technical expertise hubs – eg Portals Practice, EAI practice, Content Mgmt Practice, ERP Practice </li></ul></ul><ul><ul><li>TESTING COE supporting the entire managed testing lifecycle </li></ul></ul>
  8. 8. Solution / Component Accelerators <ul><li>Full line Intellect Suite of Banking Components – 56 Genes </li></ul><ul><li>Business Platforms like </li></ul><ul><ul><li>Lending , Mortgage , Leasing </li></ul></ul><ul><ul><li>Insurance Brokerage, Treasury, ALM, etc </li></ul></ul><ul><li>Business Services like </li></ul><ul><ul><li>Loan Origination , Credit Appraisals , Fees and Charges, Delinquency Mgmt etc </li></ul></ul><ul><li>Horizontal Services like </li></ul><ul><ul><li>Workflow & Imaging , Portals, Enterprise Service Bus , Business Rule Engine etc </li></ul></ul><ul><li>RAD Toolkit </li></ul><ul><ul><li>Consistent development framework </li></ul></ul><ul><ul><li>Auto code generator / accelerators </li></ul></ul>
  9. 9. Domain Expertise <ul><li>Pure Play Financial Services Solution Provider – over 90% revenue is from FS industry </li></ul><ul><li>Solution Partner to 26 of the top 50 Global financial majors ( baselining best practices) </li></ul><ul><li>Org Structure aligned to FI </li></ul><ul><ul><li>Chennai – Consumer Banking, User experience, Insurance and Testing </li></ul></ul><ul><ul><li>Mumbai – Corporate Banking, Treasury, Risk Mgmt, Payments and Liquidity </li></ul></ul><ul><ul><li>Hyderabad – Capital Markets, Wealth Mgmt </li></ul></ul><ul><ul><li>Delhi – Banking Horizontals (ERP/CRM/EPM/Portals/Content Mgmt) </li></ul></ul><ul><ul><li>More than 15% of core team are Bankers, bridging business, ops and technology chasm </li></ul></ul>
  10. 10. Progressive Modernization (ProMo) Expertise <ul><li>Legacy Decommissioning </li></ul><ul><li>Phased and Risk Measured Legacy </li></ul><ul><li>Modernization programs </li></ul><ul><li>Non-disruptive modernization </li></ul><ul><li>Typically self-funded basis </li></ul><ul><li>ProMO Methodology </li></ul><ul><ul><li>Implemented to completely overhaul a universal bank in Japan </li></ul></ul><ul><ul><li>Implemented to overhaul entire corporate banking business for Global major </li></ul></ul><ul><ul><li>Implemented to overhaul 30 yr old Trading Platform (financial markets) for one of world’s biggest FI </li></ul></ul><ul><ul><li>Implemented to transition proprietary platform to a market leading 3 rd party platform </li></ul></ul><ul><ul><li>Global Trade finance modernization with significant business process reengineering bringing 40 country to 3 hub global model </li></ul></ul>
  11. 11. Services and Solutions <ul><li>Progressive Modernization </li></ul><ul><li>Multi-channel integration </li></ul><ul><li>Multi-location integration </li></ul><ul><li>Multi-technology integration </li></ul><ul><li>Intellect TM Suite </li></ul><ul><ul><li>Consumer Finance </li></ul></ul><ul><ul><li>Universal Banking </li></ul></ul><ul><ul><li>Credit Card </li></ul></ul><ul><ul><li>Branch Renewal </li></ul></ul><ul><ul><li>Portal </li></ul></ul><ul><ul><li>Investment Banking </li></ul></ul><ul><ul><li>Wealth Management </li></ul></ul><ul><ul><li>Corporate Banking </li></ul></ul><ul><ul><li>Cash and Liquidity </li></ul></ul><ul><li>Application Development & Maintenance Services </li></ul><ul><li>Independent Testing Services </li></ul><ul><li>Technology Infrastructure Services </li></ul><ul><li>Global Roll out (100+ Countries) </li></ul><ul><li>Enterprise Applications: CRM/ ERP </li></ul><ul><li>BPO </li></ul>Polaris specializes in Progressive Modernization Existing legacy applications and platforms are managed and modernized in a non-disruptive manner by way of deployment of innovative (‘Smart Build’) solutions Consulting Products Outsourcing
  12. 12. Domain and Techno-Specialty Areas Investment Banking Derivatives, Fixed Income , Forex , Custody, Money Markets, Wealth Management Calypso Retail Banking Credit card: Issuers, Acquirers, Reward Management, Fraud Early Warning. Mortgage, Internet Banking, Multi-Channel Integration, Origination & ATM, Universal Banking Consumer Finance Branch Renewal – Front Office for Core Banking, Lending, Collections, Relationship, Payment, Collateral, statement & Charges, Central Liability System, reconciliation Enterprise Innovation :Research and Development, Testing, Content Management, .Net Enterprise Solutions: ERP, CRM and Business Applications/Packages: SAP, Siebel, Oracle Apps, Business Intelligence, Data Warehousing Corporate Banking Core Banking, Cash & Liquidity Management , Trade Finance, Risk & Treasury Management SOA Development Center and Intellect Center of Excellence Insurance Life Insurance, Non-life Insurance Risk and Treasury Basel II, Algorithmics
  13. 13. <ul><li>An enterprise platform that meets the needs of corporate, investment and retail banking </li></ul><ul><li>Business-ready components to build stand-alone solutions or an integrated solution framework </li></ul><ul><ul><li>Over 56 modules across 9 platforms </li></ul></ul><ul><ul><li>Several modules come together to form a product </li></ul></ul><ul><li>Combines the benefits of “Build” and “Buy” strategies </li></ul><ul><li>Enables faster, less expensive products implementation without disrupting other business critical technology </li></ul><ul><li>Designed using an SOA backplane and built with re-usable business components </li></ul>Investment, Brokerage and Wealth Quick Time to Market Ability to Co-create Polaris Solutions - Intellect TM Product Suite
  14. 14. Testing: Application Certification Offering PACE – Polaris Application Certification Enterprise <ul><li>Independent Testing and Certification Unit </li></ul><ul><li>Vast experience in testing mission critical applications </li></ul><ul><li>20% of the testing team are domain experts </li></ul><ul><li>1500+ person years of testing experience </li></ul><ul><li>Expertise in Project and Product testing </li></ul><ul><li>Continuous process improvement through Quantitative Project Management (QPM) </li></ul><ul><li>Tested and certified over 300 releases with many zero defect deliveries </li></ul><ul><li>Expertise in Test Automation tools </li></ul><ul><ul><li>WinRunner, Test Director, Quick Test Professional (QTP), SilkTest, LoadRunner, OptimizeIT, Purify, Jverify </li></ul></ul><ul><li>Performance Metrics </li></ul><ul><ul><li>Defect unearthing efficiency of 95% </li></ul></ul><ul><ul><li>Test case efficiency of 80% </li></ul></ul>PACE Services Test process consultancy Quality Indexing Benchmarking Process Gap Analysis Process Alignment Test automation Tools Selection Tools Scripting Performance Analysis End to end testing <ul><ul><li>Project testing </li></ul></ul><ul><ul><li>Product testing </li></ul></ul>
  15. 15. Integrated 3 Level Outsourcing Plan
  16. 16. Going well beyond Cost as the only source of Value One Global TRIMS application across 65+ countries, moving from in-country, many individual systems to one global system. Including process reengineering to 3 global processing hubs and unique follow-the-sun automation Re-engineering of ATM software platform to enable enhancement of use of proprietary ATM hardware. Development of unique hardware agnostic software platform allowing HUGE savings on capital costs and significant savings on expense line Replacement of TRESTEL by Intellect MONEY MARKETS in EMEA as a result of knowledge synthesis by Polaris of several years of legacy support and enhancement. Transition to new functionality, new market innovations and at NO CAPITAL cost Labor Arbitrage Skills arbitrage Automation Centralization Application Rationalization Leakage prevention Capital cost avoidance New products Price elasticity Skills limited Services Factor Cost Process Productivity Cost Avoidance Revenue Enhancement
  17. 17. Relationship – A core Differentiator 1985 2008 Citibank India Citigroup Global 70 + Countries; 120+Locations ; Retail, Corporate, Investment, Private Wealth, Cards ; Reln of over $100 Mln ; Largest INDIAN VENDOR in TOP 50 Citigroup Global Vendors
  18. 18. Citigroup GCG – Real Life Experience Unprecedented model of TOTAL OUTSOURCING innovated by Citigroup way back in 1990’s. High control on direction – dictated the adoption of new technology, component construct, co-created world’s first non-IBM core banking solution in early 1990s on Unix and Oracle High flexibility for innovation (multi-factor authentication, one-citi, front-office synergies, bank in an ATM, Converting service to sales calls..etc), High Reusability (components reused across Citigroup globally, Components enable e-serve to allow process outsourcing)
  19. 19. Retail Banking Capability Overview <ul><li>Over 20 years with 10,000 + person years experience </li></ul><ul><li>400+ experienced bankers with over 60% from Retail Banking </li></ul><ul><li>Comprehensive Solutions for domestic and overseas networks </li></ul><ul><li>Comprehensive next decade platform offering from Intellect Suite </li></ul><ul><li>Solutions encompass both products and services </li></ul><ul><li>Seamless integration of core applications from legacy environment with front-end delivery channels like ATM, IVR, etc </li></ul><ul><li>Relationship Management capabilities resulting in account aggregation, cross-sell / up-sell and service management </li></ul><ul><li>Lending capabilities in commercial, installment, mortgage, home, equity, construction and credit line </li></ul><ul><li>Online, real time processing solutions </li></ul>
  20. 20. Retail Payment Capabilities <ul><li>Domain Capabilities </li></ul><ul><ul><li>Retail Lending and Mortgages </li></ul></ul><ul><ul><li>Cards </li></ul></ul><ul><ul><ul><li>Credit Cards </li></ul></ul></ul><ul><ul><ul><li>Corporate Cards </li></ul></ul></ul><ul><ul><ul><li>Debit / ATM Cards </li></ul></ul></ul><ul><ul><ul><li>Smart Cards </li></ul></ul></ul><ul><ul><li>Remittances </li></ul></ul><ul><ul><li>Electronic Bill Payment </li></ul></ul><ul><ul><li>ATM </li></ul></ul><ul><ul><li>Internet </li></ul></ul><ul><ul><li>Mobile/SMS </li></ul></ul><ul><ul><li>Research areas in progress </li></ul></ul><ul><ul><ul><li>Handheld, Biometric Technologies </li></ul></ul></ul><ul><li>Technology Services </li></ul><ul><ul><li>Consulting </li></ul></ul><ul><ul><li>Application Development </li></ul></ul><ul><ul><li>Migration, Maintenance/ Support </li></ul></ul><ul><ul><li>Testing </li></ul></ul><ul><ul><li>Infrastructure Management </li></ul></ul><ul><ul><li>BI/DWH and CRM </li></ul></ul><ul><ul><li>CRM </li></ul></ul><ul><li>Intellect Payment Products on SOA </li></ul><ul><ul><li>Intellect Cards </li></ul></ul><ul><ul><li>Intellect Origination </li></ul></ul><ul><ul><li>Intellect Lending </li></ul></ul><ul><ul><li>Intellect Collect </li></ul></ul><ul><ul><li>Intellect Remittance </li></ul></ul><ul><ul><li>Intellect Payments </li></ul></ul><ul><ul><li>Intellect Portal </li></ul></ul>
  21. 21. Retail Banking Solutions - Technology Expertise Migration Platform Consolidation <ul><li>Complete development of banking solutions for a Japanese Technology major </li></ul><ul><ul><li>Migration project to an open platform </li></ul></ul><ul><ul><li>Multiple vendor and multiple locations </li></ul></ul><ul><ul><li>Ramp-up of 300 resources within 6 weeks </li></ul></ul><ul><ul><li>Factory model (assembly line development) approach leading to significant reduction of the production cycle </li></ul></ul><ul><ul><li>Set-up a Japanese Desk offshore with Japanese Nationals </li></ul></ul><ul><li>Implementing the platform consolidation of a banking major in the European region </li></ul><ul><ul><li>Standardization of front-end application across Europe </li></ul></ul><ul><ul><li>First pilot of its kind in the entire bank across the globe </li></ul></ul><ul><ul><li>More than 5000 users and 3000 franchisees </li></ul></ul><ul><ul><li>Country Roll-outs: Germany, Spain, UK and Portugal </li></ul></ul><ul><ul><li>60% reduction in development and maintenance </li></ul></ul><ul><li>Application Management Services for a large banking major </li></ul><ul><ul><li>More than 300 associates exclusively for production support and maintenance </li></ul></ul><ul><ul><li>Initially involved in development and subsequently continued with maintenance support </li></ul></ul><ul><ul><li>More than 2000 users accessing the applications, 2.5 MM transactions per day and handling 2.4 MM accounts </li></ul></ul><ul><ul><li>Development of over 8.5 MM lines of code </li></ul></ul>AMS
  22. 22. Retail Banking Solutions – Technology Expertise Technology <ul><li>J2EE – Jsp, Servlet, Java bean, EJB etc </li></ul><ul><li>Web services, Web methods </li></ul><ul><li>IBM – Web Sphere Application Server (WAS) </li></ul><ul><li>BEA- Web Logic </li></ul><ul><li>IBM – Web Sphere Portals (WSP) </li></ul><ul><li>Web Server: IBM Http, Apache server, Iplanet </li></ul><ul><li>Framework – Struts, Proprietary </li></ul><ul><li>Integrators – MQSeries, JMS </li></ul><ul><li>Security – LDAP, SSL, Digital Trust </li></ul><ul><li>IBM – Web sphere Commerce suite (WCS) </li></ul><ul><li>Payment gateway </li></ul><ul><li>Database/Languages – Oracle/Pro*C </li></ul>Tools <ul><li>Rational Rose </li></ul><ul><li>WSAD </li></ul><ul><li>Eclipse </li></ul><ul><li>ANT </li></ul>Illustrative Sample
  23. 23. Retail Banking Solutions - Consulting <ul><ul><li>Platform Study </li></ul></ul><ul><ul><ul><li>Current Scheme </li></ul></ul></ul><ul><ul><ul><li>New Business Proposition </li></ul></ul></ul><ul><ul><ul><li>Recommend alternatives </li></ul></ul></ul><ul><ul><li>Identify gaps </li></ul></ul><ul><ul><li>Develop high-level functional and technical architecture of the solution </li></ul></ul><ul><ul><li>Provide a consolidated Prototype as a format for the solution </li></ul></ul><ul><ul><li>Provide an implementation plan with a phased approach </li></ul></ul><ul><ul><li>Address technology and interface requirements and improvements </li></ul></ul>
  24. 24. Retail Banking - Horizontal Technology Expertise <ul><li>DWH Solutions </li></ul><ul><ul><li>Over 100+ member expertise on various BI/DWH Tools </li></ul></ul><ul><ul><li>Solution frameworks that can be customized for the customer's specific requirements </li></ul></ul><ul><ul><li>Emphasis on Planning and Data modeling </li></ul></ul><ul><ul><li>Tool based data modeling that ensures consistency across modules </li></ul></ul><ul><li>Call-Center Solutions </li></ul><ul><ul><li>Solution for a call-center handling over 100 users about 200,000 calls a month, servicing over 700,000 customers and 1.3 million accounts </li></ul></ul><ul><ul><li>IVR-CTI integration </li></ul></ul><ul><ul><li>Multi-Lingual implementation and a Unified customer view </li></ul></ul><ul><ul><li>Straight-through processing of service requests </li></ul></ul><ul><li>CRM Solutions </li></ul><ul><ul><li>Base-Level Partnership with Siebel. </li></ul></ul><ul><ul><li>Expertise in Business Flows such as Campaign to Cash, Lead to account, Quote to contract and Call to Resolution </li></ul></ul><ul><ul><li>500 person years of experience with over 30% Siebel certified professionals </li></ul></ul>
  25. 25. Application Maintenance and Support <ul><li>Supporting Legacy Application </li></ul><ul><li>Maintaining large data volumes, including history data </li></ul><ul><li>Enhancing application to keep in step with the changing business needs </li></ul><ul><li>Supporting the users and customers who directly use the application </li></ul><ul><li>Keeping up with the technology upgrades </li></ul>Offering Services <ul><li>Production Support Team </li></ul><ul><ul><li>L1 support to handle first level queries – low cost resources for cost arbitrage </li></ul></ul><ul><ul><li>L2 support to handle data fixes and application issues </li></ul></ul><ul><ul><li>Tool to log issues raised and track them to closure </li></ul></ul><ul><ul><li>MIS generated out of the tool to monitor productivity of the team and SLA adherence </li></ul></ul><ul><ul><li>Team size of 15 (10 L1 + 5 L2) </li></ul></ul><ul><li>Maintenance (BAU) Team </li></ul><ul><ul><li>Enhancements taken up may be new requirements, changes to existing functionality, changes due to technology upgrades, application tuning etc. </li></ul></ul><ul><ul><li>Release methodology followed </li></ul></ul><ul><ul><ul><li>Enhancements prioritized into different releases </li></ul></ul></ul><ul><ul><ul><li>Releases done during agreed time-frames (Release window) </li></ul></ul></ul><ul><ul><li>BRD given by the business users </li></ul></ul><ul><ul><li>Entire software development life-cycle starting from Analysis to SIT taken care by the maintenance team </li></ul></ul><ul><ul><li>Quality processes implemented – an amalgamation of best practices from Polaris and client </li></ul></ul><ul><ul><li>Close interaction with the users and the technology team from client side </li></ul></ul><ul><ul><li>Team size of 27, including developers, Project leaders, Project Managers and delivery head </li></ul></ul>
  26. 26. Migration <ul><li>Migration from Unix/Oracle application to Mainframe-based Vision Plus platform customized for Citibank </li></ul><ul><li>The alternative platform to be used as the regional solution for Credit Cards </li></ul><ul><li>Huge functionality difference between the current application and the proposed regional solution </li></ul><ul><li>Loss of functionality in the implemented solution (only 660 gaps accommodated in phase 1) </li></ul><ul><li>Knowledge of the proposed proprietary solution not readily available </li></ul><ul><li>Resistance to change from the user community </li></ul><ul><li>Migration of the huge volumes of legacy data to the proposed system </li></ul><ul><li>Development of interfaces to the existing systems within Citibank </li></ul>Offering Servcies <ul><li>Systems study </li></ul><ul><ul><li>Documentation of existing processes in Business Process Documents (BPD) </li></ul></ul><ul><li>Gap Analysis </li></ul><ul><ul><li>Usage of questionnaire for gapping </li></ul></ul><ul><ul><li>Identified 1100 gaps – across 27 modules </li></ul></ul><ul><ul><li>660 gaps approved for customization </li></ul></ul><ul><li>Requirements analysis </li></ul><ul><ul><li>Creation of Business Requirement Documents (BRD) for the approved gaps </li></ul></ul><ul><ul><li>Review of FS prepared by the product team </li></ul></ul><ul><li>Data conversion </li></ul><ul><ul><li>Data mapping </li></ul></ul><ul><ul><li>Extraction of data into staging area & performing Integrity checks on the extracted data </li></ul></ul><ul><ul><li>Creation of files to be transferred to mainframe </li></ul></ul><ul><ul><li>Execution of reconciliation reports to check on data elements that are transformed during upload </li></ul></ul><ul><ul><li>Checks performed on critical data fields </li></ul></ul><ul><li>Interfaces </li></ul><ul><ul><li>Applications interfaced – Card Embossing, Customer Payments, Merchant Payments, Rendition, Channels (ATM, Internet, IVR, Kiosk, Alerts) ,Banking, Central de-duplication system </li></ul></ul>
  27. 27. Focus on Co-creation Vs Cost Management Present Operational Efficiency Pro-active enhancements Application Re-engineering Tech-infrastructure consolidation Reduced Time-to-Market SI & Specialists Maturing governance frameworks Ramp up/down capabilities Past Poor or no performance measurement framework One point of contact Big-Bang Economy of Scale Mega Deals Poor governance frameworks Labor Arbitrage Cost Reduction Future Modular Sourcing Link deliverables to business objectives Clearly defined technology objectives for each LoB Mature Performance measurement Frameworks Co-created products & solutions Technology investments directly contributing to revenue/profits Providers Banks Value Paradigm Outsourcing Landscape Evolution
  28. 28. Analysts Recognition “ Trends in US Corporate Banking Portal Development Corporate Banking online applications are beginning to recognize the need to offer a comprehensive portal framework that closely matches the vision of most leading U.S. banks is Polaris Software Technology Providers & Professional Services: Going Broad, Going Deep Offshore vendors such as TCS, Infosys, Polaris, Cognizant, and HCL have added experienced staff with backgrounds in the financial industry, consulting, or professional services Professional services and Consulting in 2008 and Beyond : The Inevitable Rise of IT Consultancies Offshore firms such as Infosys , Polaris HCL and TCS offer strong technology expertise Tower Group Survey of Core Banking solutions Polaris Intellect is among the most contemporary global core banking solutions Global Core Banking Vendor Performance: Being new in the market, its suite of solutions is designed using the latest J2EE technology and comes with a complete SOA backplane, security layer, workflow and integrator, allowing organizations to bring in new technology. “ Banking Platform Survey Polaris ranks amongst Top 10 leading Banking Platform Vendors Globally Cards Market Scope The Polaris line of Card Management solutions has a differentiated architecture among Card Management vendors. in that it is an SOA enabled solutions that has Capability Maturity Model Integration level 5 Certification Forrestor Cap Gemini Aite Gartner
  29. 29. Thank You Tarun Jain [email_address] 1-732-322-8905