The document provides an overview of Asseco Group and Statlogics. Asseco Group is a large Polish IT company with over 18,000 employees worldwide that provides proprietary software and services. Statlogics was founded in 1996 and is a competence center within Asseco Group that provides a consumer finance platform called CrediLogic that processes over 3 billion euros in loans annually. The document outlines Statlogics' key clients, team, software solutions and architecture.
Value created:
• Contact center agents are able to provide superior support for the bank's clients and prospects 24 hours a day,
seven days a week, through several media channels including telephone, fax, e-mail and SMS
• Integration of IP telephony provided quick ROI ( Return on Investment) of cca 2.5 years
• Average Call Handling Time significantly decreased by installing EAS (Expert agent selection) a system enabling
the most qualified agent to collect call or inquiry
• CTI (Computer Telephony Integration) enables several locations using one centralized set of applications
• Secure and confidential financial transactions such as telephone banking services and telephone broker service,
backed up by NICE recording solutions
• Debt collection and promotional campaigns using Altitude Software Solutions
Fintech & Insurtech - Lending Platforms: Company presentation by Karl Sponholz, COO of Spotcap at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.
Value created:
• Contact center agents are able to provide superior support for the bank's clients and prospects 24 hours a day,
seven days a week, through several media channels including telephone, fax, e-mail and SMS
• Integration of IP telephony provided quick ROI ( Return on Investment) of cca 2.5 years
• Average Call Handling Time significantly decreased by installing EAS (Expert agent selection) a system enabling
the most qualified agent to collect call or inquiry
• CTI (Computer Telephony Integration) enables several locations using one centralized set of applications
• Secure and confidential financial transactions such as telephone banking services and telephone broker service,
backed up by NICE recording solutions
• Debt collection and promotional campaigns using Altitude Software Solutions
Fintech & Insurtech - Lending Platforms: Company presentation by Karl Sponholz, COO of Spotcap at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.
CGI's Steve Starace, SVP & BU Leader, U.S. Northeast explains how CGI’s solutions and services are addressing clients’ top priorities in the banking industry.
Another study that we are launching this year is the Digital SME Lending Study – an Annual Review of the possibility to apply for and receive a loan fully online for Micro and SME customers provided by banks and FinTechs in CEE countries.
The scope of this year’s analysis covers banks and FinTechs that offer at least an online application for an SME loan in the CEE region. In some countries, banks and FinTechs implemented some restrictions on financing SMEs, while some companies stopped lending to SMEs and were therefore not included in the study.
Please write at cee@smebanking.club to request full Study.
The New Payments Platform: Fast-Forward to the FutureCognizant
Today's bank customers demand digital payment instruments that support real-time payments and settlements. While banks worldwide have adopted this concept, Australia's New Payments Platform (NPP), when contrasted with global models, takes this concept a step further with benefits that include all of the features today's bank customers want, such as 24x7x365 availability; real-time settlement, posting in seconds, premier messaging standards and alternate identifiers. It is thus imperative to build a carefully planned, all-inclusive NPP solution that will remain viable, profitable, efficient and serviceable from internal, regulatory, payments and customer perspectives alike.
[APIdays Singapore 2019] Implementing a Successful Open Banking ArchitectureWSO2
This deck explores The key requirements for implementing an open banking architecture, how regions across the globe have met these technology requirements, and how WSO2 Open Banking meets these technology requirements.
CGI Voice of the Client Telecoms Industry IT Trends for 2015Stephen Craig
CGI Voice of the Client Analysis for 2015 in the Global Telecommunications Industry. Includes IT trends analysis and business implications. Key topics for 2015: IT Modernization, Digital Transformation, Customer Experience, Omni-channel strategies, and Outsourcing.
Digital Money, from a regulatory point of viewPatrick Bucquet
Unclear regulation about digital money allows new comers to enter and change the market, and now regulators are struggling to push even more for financial inclusion while protecting the customers.
From local approaches to a global one, regulators and governance bodies need to share insights and anticipate developments to build a consistent framework.
This year we decided to launch a new study and analyze the availability of factoring products to SME customers via digital channels.
The scope of this year’s analysis is limited to 12 banks and factoring companies, and these are the players that offer online application for domestic factoring in the CEE region.
Please write at cee@smebanking.club to request full study.
eWallets
Easy and secure to use, this
is quickly growing payment
method becoming
increasingly popular across
all sectors. Consumers can
either use stored value or
take funds from a payment
type linked to their eWallet,
giving them choice and
convenience.
eInvoices
When using eInvoices,
consumers can pay for
goods after delivery,
without sharing credit card
or bank details.
It can be as simple as
entering their email
address and postcode to
make a payment.
Telenor banka – kako smo implementirali mobile banking za prvu online banku u regiji
U ovoj prezentaciji pokazat ćemo vam kako smo u samo nekoliko mjeseci razvili mobilne aplikacije za prvu online banku u regiji. Telenor banka svojim korisnicima pruža niz inovativnih usluga i proizvoda bez odlaska u banku i čekanja u redovima. Između ostalog, uz pomoć mobilne aplikacije možete postati klijent banke, otvoriti račun, ugovoriti štednju, napraviti uplatu na broj mobitela ili e-mail, upravljati karticama i primati notifikacije o promjenama na računu. Nakon uvoda o samom projektu, predstavit ćemo arhitekturu sustava, korištene tehnologije i alate a posebno ćemo se osvrnuti na izazove sa kojima smo se susretali tijekom projekta.
CGI's Steve Starace, SVP & BU Leader, U.S. Northeast explains how CGI’s solutions and services are addressing clients’ top priorities in the banking industry.
Another study that we are launching this year is the Digital SME Lending Study – an Annual Review of the possibility to apply for and receive a loan fully online for Micro and SME customers provided by banks and FinTechs in CEE countries.
The scope of this year’s analysis covers banks and FinTechs that offer at least an online application for an SME loan in the CEE region. In some countries, banks and FinTechs implemented some restrictions on financing SMEs, while some companies stopped lending to SMEs and were therefore not included in the study.
Please write at cee@smebanking.club to request full Study.
The New Payments Platform: Fast-Forward to the FutureCognizant
Today's bank customers demand digital payment instruments that support real-time payments and settlements. While banks worldwide have adopted this concept, Australia's New Payments Platform (NPP), when contrasted with global models, takes this concept a step further with benefits that include all of the features today's bank customers want, such as 24x7x365 availability; real-time settlement, posting in seconds, premier messaging standards and alternate identifiers. It is thus imperative to build a carefully planned, all-inclusive NPP solution that will remain viable, profitable, efficient and serviceable from internal, regulatory, payments and customer perspectives alike.
[APIdays Singapore 2019] Implementing a Successful Open Banking ArchitectureWSO2
This deck explores The key requirements for implementing an open banking architecture, how regions across the globe have met these technology requirements, and how WSO2 Open Banking meets these technology requirements.
CGI Voice of the Client Telecoms Industry IT Trends for 2015Stephen Craig
CGI Voice of the Client Analysis for 2015 in the Global Telecommunications Industry. Includes IT trends analysis and business implications. Key topics for 2015: IT Modernization, Digital Transformation, Customer Experience, Omni-channel strategies, and Outsourcing.
Digital Money, from a regulatory point of viewPatrick Bucquet
Unclear regulation about digital money allows new comers to enter and change the market, and now regulators are struggling to push even more for financial inclusion while protecting the customers.
From local approaches to a global one, regulators and governance bodies need to share insights and anticipate developments to build a consistent framework.
This year we decided to launch a new study and analyze the availability of factoring products to SME customers via digital channels.
The scope of this year’s analysis is limited to 12 banks and factoring companies, and these are the players that offer online application for domestic factoring in the CEE region.
Please write at cee@smebanking.club to request full study.
eWallets
Easy and secure to use, this
is quickly growing payment
method becoming
increasingly popular across
all sectors. Consumers can
either use stored value or
take funds from a payment
type linked to their eWallet,
giving them choice and
convenience.
eInvoices
When using eInvoices,
consumers can pay for
goods after delivery,
without sharing credit card
or bank details.
It can be as simple as
entering their email
address and postcode to
make a payment.
Telenor banka – kako smo implementirali mobile banking za prvu online banku u regiji
U ovoj prezentaciji pokazat ćemo vam kako smo u samo nekoliko mjeseci razvili mobilne aplikacije za prvu online banku u regiji. Telenor banka svojim korisnicima pruža niz inovativnih usluga i proizvoda bez odlaska u banku i čekanja u redovima. Između ostalog, uz pomoć mobilne aplikacije možete postati klijent banke, otvoriti račun, ugovoriti štednju, napraviti uplatu na broj mobitela ili e-mail, upravljati karticama i primati notifikacije o promjenama na računu. Nakon uvoda o samom projektu, predstavit ćemo arhitekturu sustava, korištene tehnologije i alate a posebno ćemo se osvrnuti na izazove sa kojima smo se susretali tijekom projekta.
apidays LIVE Australia 2021 - Open Banking: Successful Implementation Strateg...apidays
apidays LIVE Australia 2021 - Accelerating Digital
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Open Banking: Successful Implementation Strategies
Rana Peries, CTO at 101 Digital Pty
Effective IT-solutions
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The company’s asset includes hundreds of implemented systems. These are reliable and modern solutions which are developed in accordance with the market tendencies.
Wallet Factory platform is a constructor for a wide range of use cases:
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- Enabling extra revenue sources for telecom operators, e.g. P2P, service catalogues, money transfers etc. (e-wallet processing and a mobile app);
- Setting up loyalty\payments system for retailers etc. (e-wallet processing and mobile app, alongside with the loyalty platform).
Consumer crediting is one of the
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nowadays that demands maximum
attention. This process should
be approached systematically
and there should be efficient and
automatic process of borrowers
examination
This presentation gives an overview of the company Mint Payments Limited listed on the ASX in Australia under MNW. It explains the products and services and how the company operates in the payments industry.
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Get to know Cegeka and it's portfolio and core values. Make an appointment today and I'll happy to explain you what we can do for your company....for you! Yin E: yin.oei@Cegeka.be M: 0472/195019
3. solutions for demanding business
3
Founded in 1991
The largest IT company in CEE
6th largest software producer in Europe
Traded on the WSE, included in the WIG30 Blue Chip index
+18 000 employees worldwide
Selling proprietary software and services
Strong financials with a great track record
2013 revenue of EUR 1,4b
CAGR +17.9% (2009-2013)
2013 EBIT of EUR 145m
Asseco at a Glance
4. solutions for demanding business
Areas of Activity
Banks
Insurance companies
Brokerage houses
Investment funds
Leasing companies
Factoring companies
Mortgage banks
Central administration
Local administration
Healthcare
International organizations
Social services
Uniformed services
Education
Telecommunication
Energy sector
Utilities
Gas sector
Manufacturing, Trade
and Services
FMCG
Multimedia
Finance Public Sector Enterprises
4
Proprietary Software Solutions & Services for:
7. solutions for demanding business
7
Asseco Group Financial Results
Data in EUR million
CONSOLIDATED REVENUE PROPRIETARY SOFTWARE AND SERVICES
€ 703
€ 809
€ 1 198
€ 1 325 € 1 401
2009 2010 2011 2012 2013
€ 455
€ 516
€ 863
€ 1 006 € 1 063
2009 2010 2011 2012 2013
8. solutions for demanding business
8
Leading European Software House
Top 100 European software vendors
Data in EUR million
Asseco Group
Ranks 6th among
largest software
vendors in Europe
10. solutions for demanding business
Asseco in the CEE Region – physical presence
Physical presence
in 17 countries
3 legal entities
‒ Asseco Poland
‒ Asseco Central Europe
‒ Asseco South Eastern
Europe
Proprietary software
for all market sectors
Hundreds of clients
7 800 employees
11. solutions for demanding business
11
Asseco Poland & Asseco Central Europe – market shares
More than 50% of banks in Poland use core banking engine from Asseco
Having 12%market share in the Region - Asseco is among
3 leading IT suppliers for public sector together with HP and IBM
Almost 80% of Health Insurance Companies in Slovakia
and Czech Republic run their businesses on Asseco core applications
Asseco covers about 75% HIS Hospital market in Poland
42% of ERP business in Czech Republic belongs to Asseco
In Poland there’s early 17 mln electricity recipients – Asseco software
supports more than 60% of them, generating 9 mln invoices per months
Asseco has more than 20years of experience in designing and
implementing IT systems for insurance market which gives us
the possibility of working with the largest insurers in the region
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2
3
4
5
7
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12. solutions for demanding business
• Statlogics was founded in 1996, and is
today the competence center for
consumer finance of the group
• CrediLogic, the consumer finance
platform of Statlogics processes more
than three billion euros worth of loans
each year
• Over 100 million loans have been
financed via our system
STATLOGICS IN BRIEF
12
13. TO G E T H E R , A S T R O N G
E U R O P E A N P R E S E N C E
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14. solutions for demanding business
Our company is trusted for its commitment to following a relationship that keeps clients’
requirement clearly in focus and provides excellent services through the professionalism
and motivation of our employees.
We are proud to count the following key players in the consumer finance markets among
our best and loyal clients for years:
• OTP Bank in Hungary
• UniCredit in Romania
• Eurasian Bank in Kazakhstan
• Groupe Société Générale:
• Russia (Rusfinance Bank)
• Serbia (Société Générale Srbija)
• Raiffeisen International group in Ukraine
OUR PARTNERS
14
15. solutions for demanding business
Statlogics employs 75+ experienced staff with an average age of 35 years. The core team
consists of Java, Delphi and PL/SQL developpers and IT architects, assisted by expert
Business Analysts coming from financial sectors with strong business and risk
managment experiences.
Statlogics team is complete with Project Managers and testers to ensure timely and
quality delivery to customers.
STATLOGICS TEAM
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16. solutions for demanding business
All channels and all products are managed in Credilogic. All products can be adapted
to relevant channels.
CREDILOGIC CONSUMER FINANCE COVERAGE
Product matrix
Branches Merchants Car
Dealers
Brokers &
Agents
Direct Mail /
Telemarketing
Internet
Cash Loans
Car Loans
POS Loans
Credit Cards
Mortgages
Channel
Product
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17. solutions for demanding business
Single Front End
Construction
module
Administration
module
Decision module
Statistics
Print service
Loan Account
Management &
Collection
Credit Scoring
Policy Rules
External data
Interfaces
Front End – Back End
Internal Black lists
Customer Data
Data upload
HIGH LEVEL ARCHITECTURE
Local
Back-end
(core system
of the bank)
Local External
DBs
and Bureau
CREDILOGIC
branches
agents
POS
online
BANK
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18. solutions for demanding business
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SINGLE FRONT END
1 2
3
Used by:
RiskBranches Agents Merchant Loan processing department
SINGLE FRONT END FUNCTIONAL OVERVIEW
Sales dialogue:
• Credit offer & simulation
• Repayment schedule
• Alternative offers
• Loan application data input
• Data verification
• Identification of existing
customers
• Modify, upload, print, documents
• Send application to Decision
Engine
• Reception of the decision
• Purchase taken, purchase returned
• Cancel application, cancel
insurance
• Make a comment
• Status report about the evolution
of loans
• Operation history
Back Office operations:
• Search and filter applications
• Waiting list management
• 4 eyes check
• Manual decision
• Underwriting/verification
• Authorize
• Override (negative, positive)
• Financing
Management of network:
• Branches
• Merchants
• Insurance companies
• Partners
• Agents, brokers
19. solutions for demanding business
19
Decision module
• Create & manage
business rules:
• scorecard
• alerts
• budgets
• rejection rules
• required documents
• Cut-off rules
• Segment workflows
• Create sub workflows
for better overview of
the decision process
• Group the functions and
steps into frames
Loan Account Management & Collection
• Manage different type
of scorecard variables:
• simple discrete
• list discrete
• cross variable
• interval
• weighted
• Fraud search to filter
our fraudulence
• External queries such as
internal black list, credit
bureau, preapproved
amounts
• Receiving applications
from Sales front-end
• Account opening and
disbursement,
• Calculation of fees,
interest and
commissions
• Merchant clearing
• Customer service
• Loan account and
payment management
• Collection
• Early repayments
• Billing
• Write-offs, accruals
• Accounting rules and
transactions
• Provisions calculations
• Analytical postings
• End of day events:
calculate credit limits
• End of month events:
provisioning, accruals
• Grace period, penalty
charging, collection
process
• Account closing – clean
up or write-off
DECISION AND LAM MODULES FUNCTIONAL OVERVIEW
Used by:
Risk Operation Branches
20. solutions for demanding business
20
Construction module
• Create and maintaine
constructions, actions
• Set and manage
parameters :
rates, fees, commissions
• Manage assignments:
• Chain/Merchant to
construction
• Group of
goods/brands to
construction
• Purpose to
construction
Administration
module
Print serviceStatistics
• Management of
persons and users
• Management of rights,
user profiles
• Password
parameterization
• Managing the bank
opening hours and
working days
• Create statistical report
based on products
• Calculate approval rate
based on
constructions, officers,
loan interval
• Risk status report
• Statistics about third
party management
• Creating and
maintaining print outs,
documents, contracts,
indicative offers
• Editing the content of
the materials
PERIPHERAL MODULES FUNCTIONAL OVERVIEW
Used by:
Product
management
Product
management
IT Risk Risk ITOperation Sales
21. solutions for demanding business
A good hockey
player plays where
the puck is. A great
hockey player plays
where the puck is
going to be
- Wayne Gretzky
21
22. solutions for demanding business
Thank you
22
Gábor Meggyesi
sales director
Statlogics Zrt.
Empowering your decisions
Mobile: +36 70 368 5884
gabor.meggyesi@statlogics.com
Editor's Notes
Ide majd lehetne a bankok ügyfélszámát is, bar a 100 millio finanszirozott hitel mar erre utal