Fanera utilizes industry expertise and technology partnerships to offer practical solutions for optimizing banking channels and enhancing revenue. Their Channel Optimization & Revenue Enhancement program analyzes customer data to define priorities, implements solutions across technology, business, operations, marketing and MIS, and monitors results. The program aims to turn physical and electronic channels into profitable businesses by generating incremental fees, reducing costs through streamlined operations, and increasing cross-selling and up-selling through targeted marketing.

1. Where Business & Technology Converge
© FANERA LTD. All rights reserved
CORE
Channel Optimization & Revenue Enhancement
www.faneratech.com

2. FANERA utilizes its industry expertise and works with leading technology firms to offer practical
solutions with concrete financial results ; turning Physical and Electronic Banking Channels into a
profitable business
CORE
“Channel Optimization & Revenue Enhancement” Program
CORE
 Technology
 Business
 Operations
 Marketing
 MIS
ATM
Branch
onlinemobile
Call center

3. Manage Project
Monitor /report
Results
Implement
CORE
Business
Technology
Operations
Marketing
MIS
Design
CORE
• Collect customer
and transaction data
• Analyze Data
• Define priorities &
quick wins
prepare
CORE
Our Approach
•We prepare a business case, a financial model, and a detailed ROI
analysis when CORE is used to generate incremental fees for the
bank.
•We agree with the bank on a measurable financial target
•Every CORE implementation is accompanied by cost/benefit analysis

4. ATM
High Availability
Low downtime
Cash Management
Lower float
Up Sell
Cross Sell
Targeted
Marketing
Campaign
Management
Incident
Management
Quick response
Fast Reconciliation
Less man hours ,
higher productivity
Standard Services
Interchange
Value Added
Services
Fees and
commission
Business Operations Marketing
Third Party
Interface
MIS/CRM
Segment-based
New Services
Fees
Technology
Cash
Forecasting
Real/Near Real
Time data
repository
Reporting/
Data Analysis
tools
Campaign setup
and workflow
Income IncomeCost Savings
Income/Cost
Savings

5. Online Banking
Efficient offline
transaction
processing
Higher customer
satisfaction
STP
Less man hours
Up Sell
Cross Sell
Targeted
Marketing
Lead /
Campaign
Management
Online/card
account opening
Higher migration
rate
24/7 call center
support with
access to admin.
module
Standard Services
Fees
Value Added
Services
Fees and
commission
Business Operations Marketing
Third Party
Interface
MIS/CRM
Corporate and SME
( Payroll, Cash
Management, A/Cs
Payable )
Segment-based
pricing and
parameters
Income IncomeCost Savings
Mobile Banking
integration
Accounts
payable/payroll
modules
eCommerce
Online trading
integration
Technology
Income/Cost
Savings

6. Online Brokerage
Design and implementation of
MIS for stakeholders including:
• Business manager
• IT operations and data center
• Marketing department
• Service quality department
• Central Operations
Design and
Implementation of
Operational policies
and procedures
Campaign
Management
Segmentation
Data mining for
targeted
Marketing
Campaign
Management
Workflow for
customer support -
Bank and Investment
Company
Pricing Strategy
Value Added Service
development &
launch
Business Operations Marketing
Third party interface
BRD &
implementation
Online profitability
analysis and model
Customer Activation/
Evaluation of
marketing
effectiveness
Calculated
Decisions
Customer Touch point
Experience
Subscription in value
added services and
reward programs
Income IncomeCost Savings
MIS/CRM
Channel Integration
Lead Management
Automation
Integration with Call
Center/
Branch/Sales Force
Interface
Technology
Income/Cost
Savings
Business
Plan/Strategy
Measurement
metrics
SLAs with Bank
Data Mining and
customer profiling
Cross Selling with
funding/lending

7. Mobile Banking: The 5th Channel
Reconciliation with
third parties for
joint services
STP
Less man hours
Up Sell
Cross Sell
Targeted
Marketing
Lead /
Campaign
Management
Risk Management,
Fraud and AML
policies and
procedures
Lower costs
24/7 call center
support with
access to admin.
module
Standard Services
Fees
Value Added
Services
Fees and
commission
Business Operations Marketing
Third Party
Interface
MIS/CRM
Corporate and SME
( Payroll, Cash
Management, A/Cs
Payable )
Virtual POS /
Merchant Services
Income IncomeCost Savings

8. Mobile Payments: What we offer
FANERA provides complete implementation services from
technology and vendor selection to service launch for the following :
Shopping &
Gift Cards
Cross-border
Remittances
NFC Transactions
P2P Payments
Prepaid TopUp
LoyaltyBill Payments
Ticketing
Coupons
Mobile
Content Mobile
AdvertisingMobile Banking

9. New Mobile Customers New Merchants Value Added Services Co-Branding and Cross-
Selling
Mobile Payments: What we offer
FANERA works with banks to turn the traditional mobile banking service into
a revenue generating business through a combination of:
o Subscription Fees
o Transaction Fees
o Transaction Fees
o Financing for POS terminals
o mWallet
o NFC
o Credit Card Payment
o Debit Card Payment
o Bill Payment
o Person-2-Person
o Money Order
o International Funds Transfer
o Check-book Request
o Ticketing
o Airtime Top-up
o Virtual Accounts
o Prepaid
o Payroll
o Virtual POS Merchant
Acquiring
o With Mobile Operators and
Merchants

10. MIS/CRM
Customer Contact Center: What we offer
FANERA helps banks design and implement customer contact centers from RFP to live operations
Business Operations Marketing
HR , Operations,
and Admin.
manuals
Data mining for
cross selling
Lead /
Campaign
Management
Design and
implementation of
Workflow
Management,
workforce
Management
Standard Services
Fees
Value Added
Services
Fees and
commission
Third Party
Interface
SME
Desk
Affluent desk
HNW RM Link
Complaint
Management
Sales
commission
structure
Real Time
monitoring &
Control
Performance
Indicators
Data mining for
up selling
Income IncomeCost Savings
IVR/CTI
Marketing Module
Lead Management
Module
Complaints Module
Workflow /
Workforce
Management
Technology
Income/Cost
Savings
Fulfillment Module
Integration with
other channels
Back office Module

11. The Branch: What we offer
Review and
streamline
operations
Update operating
manuals
Cost Savings
Data mining for
Up Selling
Data mining for
Cross Selling
Design and
implementation
Workflow
Management,
Value Added
Services
Sales plan
Income
Branch Business
plan
Product sales plan
Automate cash
reconciliation
Design and
implement
Sales
commission
structure
Real Time
monitoring &
Control
Performance
Indicators
Upgrade Front end
system to provide
360 view of
customer
Implementation of
Instant account
setup /card and
EMV card issuance
Implementation of
Prepaid card instant
issuance
Income/Cost
Savings
Design and
implementation of
Digital marketing
Design and
implement
Channel
migration
campaigns
Optimizing the
customer
experience
Business Operations Marketing Technology
Income
MIS/CRM
New
account/product
sales acquisition
campaigns

12. Channel Optimization & Revenue Enhancement
•Turn electronic channels from complementary
services to revenue generating businesses
•Save costs with streamlined and automated
operations based on best practice
•Utilize your existing customer base for higher
cross selling and up selling ratios
•Provide exceptional customer experience
CORE
 Technology
 Business
 Operations
 Marketing
 MIS
ATM
Branch
onlinemobile
Call center
For additional details and to request an assessment : Please send an Email to chris@faneratech.com
You can also reach us through our Contacts page at www.faneratech.com