Intellect announced its second-quarter results for FY 2021-22 on 28th October 2021. The highlights of the results included the total revenue for Q2 FY22 standing at INR 4521 Mn marking a 22% YoY growth. In dollar terms, the company recorded a revenue of $ 61.03 Mn marking a 22% YoY growth. Licence Revenue for Q2 FY22 is INR 869 Mn while Q2 FY22 AMC Revenue is INR 814 Mn. Saas/Cloud revenue of Q2 FY22 registered a 156% YoY growth at INR 879 Mn.
Intellect's purpose is to provide large Enterprise-Grade Composable and Contextual solutions driving higher business growth,
reducing cost and risk on a sustainable basis. This purpose has driven succesful Q3 FY22 results.
Intellect's Q1 FY22 performance was delivered with a strong foundation for the road ahead for the seventh consecutive quarter of growth in revenues and profits.
As Intellect transitions from a products to a platforms company, we take a giant leap into the future of FinTech with composable, contextual and cloud-native products. Deep dive into our NextGen solutions that solve the problems of the banking sector with ease, while accelerating their digital transformations.
This document brings together a set
of latest data points and publicly
available information relevant for
IoT & AR Services Industry. We are
very excited to share this content and
believe that readers will benefit from
this periodic publication immensely.
The document discusses digital manufacturing and describes presentations given at an event. It includes:
- An overview of digital manufacturing and its benefits from Capgemini and SAP perspectives.
- A case study of Esaote, an Italian medical devices company, that has implemented digitalization initiatives like data analytics, predictive maintenance, and process standardization resulting in improved production efficiency.
- Details of SAP's digital manufacturing cloud products and solutions for manufacturing execution, insights, and networking.
- Examples of how IoT and machine learning can enable predictive maintenance through asset intelligence and condition monitoring.
This analysis provides an overview of the top trends in the commercial banking sector as they shift to technology high gear to boost client efficiency and battle a volatile, uncertain, competitive, and evolving landscape.
First, it was retail banking. Now, advanced technology is shifting to – and disrupting − the commercial banking space. Many commercial banks, known for paperwork, red tape, and branch dependency, were unprepared to support clients during their post-COVID-19 ramp-up. But now, the digital pivot to new mindsets, partnerships, and processes is in overdrive.
As commercial banks grapple with competition from FinTechs, BigTechs, and alternative lenders, their inability
to fulfill SME demands and pandemic after-shocks necessitates transformative process changes and a move
to experiential, sustainable, and inclusive banking models. We expect banks to strive to meet the demands
of corporate clients and SMEs by digitally transforming critical workflows and improving client experience.
Additionally, incremental process improvements in the middle and back-office that leverage intelligent
automation will keep the competition at bay because engaged clients are loyal.
Adopting newer methods to mine data and moving to as-a-Service models will prepare commercial banks
to flexibly respond to newcomers and find ways to co-exist through effective collaboration. The time has come for commercial banks to put transformation on the fast track as lending losses in wallet and market share could spill over to other functions!
How incumbents react and respond to 2022 trends could determine their relevancy and resiliency in the years ahead.
Intellect's purpose is to provide large Enterprise-Grade Composable and Contextual solutions driving higher business growth,
reducing cost and risk on a sustainable basis. This purpose has driven succesful Q3 FY22 results.
Intellect's Q1 FY22 performance was delivered with a strong foundation for the road ahead for the seventh consecutive quarter of growth in revenues and profits.
As Intellect transitions from a products to a platforms company, we take a giant leap into the future of FinTech with composable, contextual and cloud-native products. Deep dive into our NextGen solutions that solve the problems of the banking sector with ease, while accelerating their digital transformations.
This document brings together a set
of latest data points and publicly
available information relevant for
IoT & AR Services Industry. We are
very excited to share this content and
believe that readers will benefit from
this periodic publication immensely.
The document discusses digital manufacturing and describes presentations given at an event. It includes:
- An overview of digital manufacturing and its benefits from Capgemini and SAP perspectives.
- A case study of Esaote, an Italian medical devices company, that has implemented digitalization initiatives like data analytics, predictive maintenance, and process standardization resulting in improved production efficiency.
- Details of SAP's digital manufacturing cloud products and solutions for manufacturing execution, insights, and networking.
- Examples of how IoT and machine learning can enable predictive maintenance through asset intelligence and condition monitoring.
This analysis provides an overview of the top trends in the commercial banking sector as they shift to technology high gear to boost client efficiency and battle a volatile, uncertain, competitive, and evolving landscape.
First, it was retail banking. Now, advanced technology is shifting to – and disrupting − the commercial banking space. Many commercial banks, known for paperwork, red tape, and branch dependency, were unprepared to support clients during their post-COVID-19 ramp-up. But now, the digital pivot to new mindsets, partnerships, and processes is in overdrive.
As commercial banks grapple with competition from FinTechs, BigTechs, and alternative lenders, their inability
to fulfill SME demands and pandemic after-shocks necessitates transformative process changes and a move
to experiential, sustainable, and inclusive banking models. We expect banks to strive to meet the demands
of corporate clients and SMEs by digitally transforming critical workflows and improving client experience.
Additionally, incremental process improvements in the middle and back-office that leverage intelligent
automation will keep the competition at bay because engaged clients are loyal.
Adopting newer methods to mine data and moving to as-a-Service models will prepare commercial banks
to flexibly respond to newcomers and find ways to co-exist through effective collaboration. The time has come for commercial banks to put transformation on the fast track as lending losses in wallet and market share could spill over to other functions!
How incumbents react and respond to 2022 trends could determine their relevancy and resiliency in the years ahead.
The new architecture released with WSO2 Open Banking 3.0 now allows technology, regtech, and IT services partners to drastically reduce time-to-market to deliver open banking compliance and advanced commercial capabilities. This can be achieved either as a complete end-to-end solution or in a componentized manner for bespoke deployments.
This white paper discusses how establishing a Test Center of Excellence (CoE) through a software testing transformation can help organizations improve innovation, growth, and success. It describes a case study of a large financial services firm that saw dramatic improvements in application quality, time to market, and business value after implementing a Test CoE with the help of software testing partner SDT. The white paper advocates that CIOs assess their current testing processes and partner with expert firms like SDT to build a centralized, standardized Test CoE that can efficiently test applications and ensure quality.
How well is your organization driving software quality and testing compared to other companies today?
-Which areas in Application Lifecycle Management (ALM) pose the greatest challenge to an organization’s success?
-How well do companies follow best practice standards?
-How quickly are companies adopting Agile methods?
-How are virtualized environments changing the way companies test?
-What skills do testers need in increasingly distributed teams?
The 2010-2011 World Quality Report provides insights into these questions and more. This report is based on survey findings from hundreds of testers, business analysts and developers and reveals emerging trends in quality and a forecast of how these trends will shape ALM and associated software in the future.
http://www.capgemini.com/application-lifecycle-services
A strategic review of the top five offshore vendorsSemalytix
The document summarizes strategies of the top 5 Indian IT service providers - Cognizant, HCL, Infosys, TCS, and Wipro. It discusses how they weathered the recession through cost cuts and new pricing models. It then analyzes each provider's strategy, noting that Cognizant focuses on innovation and client value, HCL differentiates through employee empowerment, Infosys aims to make clients smarter through platforms and solutions, TCS builds on its leadership with new offerings like ITaaS, and Wipro focuses on collaboration and efficiency. Overall the providers see growth opportunities in new markets and segments post-recession.
Portugal InsurTech landscape – Helping digital transformation in EuropeThe Digital Insurer
- The webinar provided an overview of the developing insurtech landscape in Portugal, including perspectives from insurance practitioners and startup founders.
- Portugal Fintech has launched initiatives like the Fintech House and annual Portugal Fintech Report to support the growing fintech ecosystem.
- Panelists from insurers like Generali and Ageas discussed their digital transformation efforts, while insurtech founders from Coverflex and Habit shared their solutions.
- The Digital Insurer updates included opportunities to get involved in mapping the global insurtech landscape and virtual learning programs on digital insurance topics.
Next Generation Loyalty Management SystemsCapgemini
Next Generation Loyalty Management Systems: Trends, Challenges, and Recommendations examines the latest operational, market, and technological challenges for loyalty management systems. Spending on loyalty programs by financial institutions has grown significantly, reaching $22.7 billion expected in the US by 2013. However, the increasing proliferation and commoditization of rewards programs has decreased their perceived value for consumers. As a result, effective management of loyalty program costs and profitability has become important. Emerging technologies are also driving changes in loyalty programs, presenting both opportunities and challenges for financial institutions.
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
The document discusses a panel discussion on partnering for success in a digital world. The agenda includes opening remarks, opportunities in the industry from KPMG, insurer perspectives from AIA, and a panel discussion. There will also be updates from The Digital Insurer and a wrap up. The document provides information on the panellists and how to participate in the discussion through questions in the Q&A or comments in the chat. It also includes polls to gauge participants' views on key topics.
This document summarizes a panel discussion on accelerating digital transformation in the insurance industry in Indonesia. The panel included representatives from an Indonesian insurer and an Insurtech company. They discussed trends like the urgency of digital change, different speeds of digital adoption, and the need for an omni-channel approach. The insurer representative discussed their focus on digital distribution and a seamless online customer journey. The Insurtech representative discussed how their platform provides various insurance products and aims to improve insurance literacy. The panel saw the most attractive areas for Insurtech in Indonesia being new digital business models and value chain innovations in sales and marketing.
Bradley Trychta has over 20 years of experience leading large-scale finance transformation projects. He was the Director of Finance for Waste Management's BEST program, which established a PMO and project team to implement a multi-year, enterprise-wide transformation involving PeopleSoft finance modules across 1,200 business units. He then joined Exelon as Director of Finance Systems and helped build a 5-year financial blueprint, leading projects to improve month-end closes, implement management reporting, and prepare Exelon for mergers and acquisitions.
The document discusses PwC's operational excellence services for oil and gas companies. It provides an overview of their capabilities in five key areas: E&P core improvement, strategic competence management, asset optimization, supply chain management, and key performance indicators. PwC aims to help clients develop a clear picture of potential operational gains and ensure they are on an accelerated path to achieve them through a structured approach and proven methodology.
Boosting Innovation and Value for Your Subsidiaries with SAP S/4HANA CloudCapgemini
Boosting Innovation and Value for Your Subsidiaries with SAP S/4HANA Cloud: More agility, More innovation, More time-to-Value and Quicker Payback with Capgemini and SAP 2tier Strategy
The economic downturn has been impacting companies' results for several years now. In this study, Magenta Advisory took a look at how digital business can help companies to get ahead of their competitors before the economy starts its rise again.
This document provides an overview of various digital technologies and platforms used in Israel, including their positioning in the Israeli market and representative partners and integrators. It covers areas such as marketing automation platforms, digital experience consultants, voice of customer tools, customer data platforms, digital marketing platforms, web content management tools, e-commerce packages, and CRM packages. For each area, it lists relevant companies and products and the Israeli representatives and implementation partners that work with each solution.
The document discusses the Internet of Things (IoT) and its scope and benefits. It defines IoT as connecting devices to share information and improve efficiency using sensors and software. IoT is creating a network of everything around us and transforming industries like healthcare, telecom, education, retail, and banking through optimizing data collection and analysis. The possibilities of IoT are vast as it brings convenience through interconnecting devices and extracting meaningful insights from data.
BSD provides world-class services based on QAD ERP, IBM, and Microsoft Solution including consulting, implementation, training, develop, customization, support and maintenance for your business.
The document discusses certain forward-looking statements regarding Infosys' future growth prospects and financial performance that involve risks and uncertainties. It notes key risks such as execution of business strategy, attracting and retaining talent, transition to hybrid work model, economic uncertainties, and regulatory changes. The document provides Infosys' market position, business segments, and financial highlights. It also outlines the company's strategic priorities such as continuing digital intensity, next generation technologies, people development and sustainability to achieve continued growth.
Tencent’s company introduction and financial performance in 2023syb6fpbf7p
- Tencent was founded in 1998 and listed on the Hong Kong Stock Exchange in 2004. Since then, it has grown significantly through strategic acquisitions and launches of new services.
- Key services and platforms include Weixin, games, digital content subscriptions, online advertising, fintech services, and more.
- Tencent has achieved resilient growth through economic cycles since 2004, with revenues increasing nearly 500x and adjusted EBITDA increasing nearly 400x over that period.
The new architecture released with WSO2 Open Banking 3.0 now allows technology, regtech, and IT services partners to drastically reduce time-to-market to deliver open banking compliance and advanced commercial capabilities. This can be achieved either as a complete end-to-end solution or in a componentized manner for bespoke deployments.
This white paper discusses how establishing a Test Center of Excellence (CoE) through a software testing transformation can help organizations improve innovation, growth, and success. It describes a case study of a large financial services firm that saw dramatic improvements in application quality, time to market, and business value after implementing a Test CoE with the help of software testing partner SDT. The white paper advocates that CIOs assess their current testing processes and partner with expert firms like SDT to build a centralized, standardized Test CoE that can efficiently test applications and ensure quality.
How well is your organization driving software quality and testing compared to other companies today?
-Which areas in Application Lifecycle Management (ALM) pose the greatest challenge to an organization’s success?
-How well do companies follow best practice standards?
-How quickly are companies adopting Agile methods?
-How are virtualized environments changing the way companies test?
-What skills do testers need in increasingly distributed teams?
The 2010-2011 World Quality Report provides insights into these questions and more. This report is based on survey findings from hundreds of testers, business analysts and developers and reveals emerging trends in quality and a forecast of how these trends will shape ALM and associated software in the future.
http://www.capgemini.com/application-lifecycle-services
A strategic review of the top five offshore vendorsSemalytix
The document summarizes strategies of the top 5 Indian IT service providers - Cognizant, HCL, Infosys, TCS, and Wipro. It discusses how they weathered the recession through cost cuts and new pricing models. It then analyzes each provider's strategy, noting that Cognizant focuses on innovation and client value, HCL differentiates through employee empowerment, Infosys aims to make clients smarter through platforms and solutions, TCS builds on its leadership with new offerings like ITaaS, and Wipro focuses on collaboration and efficiency. Overall the providers see growth opportunities in new markets and segments post-recession.
Portugal InsurTech landscape – Helping digital transformation in EuropeThe Digital Insurer
- The webinar provided an overview of the developing insurtech landscape in Portugal, including perspectives from insurance practitioners and startup founders.
- Portugal Fintech has launched initiatives like the Fintech House and annual Portugal Fintech Report to support the growing fintech ecosystem.
- Panelists from insurers like Generali and Ageas discussed their digital transformation efforts, while insurtech founders from Coverflex and Habit shared their solutions.
- The Digital Insurer updates included opportunities to get involved in mapping the global insurtech landscape and virtual learning programs on digital insurance topics.
Next Generation Loyalty Management SystemsCapgemini
Next Generation Loyalty Management Systems: Trends, Challenges, and Recommendations examines the latest operational, market, and technological challenges for loyalty management systems. Spending on loyalty programs by financial institutions has grown significantly, reaching $22.7 billion expected in the US by 2013. However, the increasing proliferation and commoditization of rewards programs has decreased their perceived value for consumers. As a result, effective management of loyalty program costs and profitability has become important. Emerging technologies are also driving changes in loyalty programs, presenting both opportunities and challenges for financial institutions.
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
The document discusses a panel discussion on partnering for success in a digital world. The agenda includes opening remarks, opportunities in the industry from KPMG, insurer perspectives from AIA, and a panel discussion. There will also be updates from The Digital Insurer and a wrap up. The document provides information on the panellists and how to participate in the discussion through questions in the Q&A or comments in the chat. It also includes polls to gauge participants' views on key topics.
This document summarizes a panel discussion on accelerating digital transformation in the insurance industry in Indonesia. The panel included representatives from an Indonesian insurer and an Insurtech company. They discussed trends like the urgency of digital change, different speeds of digital adoption, and the need for an omni-channel approach. The insurer representative discussed their focus on digital distribution and a seamless online customer journey. The Insurtech representative discussed how their platform provides various insurance products and aims to improve insurance literacy. The panel saw the most attractive areas for Insurtech in Indonesia being new digital business models and value chain innovations in sales and marketing.
Bradley Trychta has over 20 years of experience leading large-scale finance transformation projects. He was the Director of Finance for Waste Management's BEST program, which established a PMO and project team to implement a multi-year, enterprise-wide transformation involving PeopleSoft finance modules across 1,200 business units. He then joined Exelon as Director of Finance Systems and helped build a 5-year financial blueprint, leading projects to improve month-end closes, implement management reporting, and prepare Exelon for mergers and acquisitions.
The document discusses PwC's operational excellence services for oil and gas companies. It provides an overview of their capabilities in five key areas: E&P core improvement, strategic competence management, asset optimization, supply chain management, and key performance indicators. PwC aims to help clients develop a clear picture of potential operational gains and ensure they are on an accelerated path to achieve them through a structured approach and proven methodology.
Boosting Innovation and Value for Your Subsidiaries with SAP S/4HANA CloudCapgemini
Boosting Innovation and Value for Your Subsidiaries with SAP S/4HANA Cloud: More agility, More innovation, More time-to-Value and Quicker Payback with Capgemini and SAP 2tier Strategy
The economic downturn has been impacting companies' results for several years now. In this study, Magenta Advisory took a look at how digital business can help companies to get ahead of their competitors before the economy starts its rise again.
This document provides an overview of various digital technologies and platforms used in Israel, including their positioning in the Israeli market and representative partners and integrators. It covers areas such as marketing automation platforms, digital experience consultants, voice of customer tools, customer data platforms, digital marketing platforms, web content management tools, e-commerce packages, and CRM packages. For each area, it lists relevant companies and products and the Israeli representatives and implementation partners that work with each solution.
The document discusses the Internet of Things (IoT) and its scope and benefits. It defines IoT as connecting devices to share information and improve efficiency using sensors and software. IoT is creating a network of everything around us and transforming industries like healthcare, telecom, education, retail, and banking through optimizing data collection and analysis. The possibilities of IoT are vast as it brings convenience through interconnecting devices and extracting meaningful insights from data.
BSD provides world-class services based on QAD ERP, IBM, and Microsoft Solution including consulting, implementation, training, develop, customization, support and maintenance for your business.
The document discusses certain forward-looking statements regarding Infosys' future growth prospects and financial performance that involve risks and uncertainties. It notes key risks such as execution of business strategy, attracting and retaining talent, transition to hybrid work model, economic uncertainties, and regulatory changes. The document provides Infosys' market position, business segments, and financial highlights. It also outlines the company's strategic priorities such as continuing digital intensity, next generation technologies, people development and sustainability to achieve continued growth.
Tencent’s company introduction and financial performance in 2023syb6fpbf7p
- Tencent was founded in 1998 and listed on the Hong Kong Stock Exchange in 2004. Since then, it has grown significantly through strategic acquisitions and launches of new services.
- Key services and platforms include Weixin, games, digital content subscriptions, online advertising, fintech services, and more.
- Tencent has achieved resilient growth through economic cycles since 2004, with revenues increasing nearly 500x and adjusted EBITDA increasing nearly 400x over that period.
This document provides an update on the Future@Work strategy of the Adecco Group. It discusses progress made in the first year of the strategy, including the successful integration of AKKA and synergies achieved. It outlines the dual revenue growth strategy of gaining market share in Adecco while investing in faster growing segments like LHH and Modis/Akkodis. Financial ambitions are discussed, including a target EBITA margin range of 3.0-6.0% through the business cycle and strong cash conversion above 90%. The value of leveraging the Group's ecosystem through integrated solutions is also covered.
This document provides an overview of an intelligent automation company. It discusses the company's history, leadership, financial performance, products, markets, growth strategy, and competitive advantages. The company has experienced significant revenue and profitability growth recently and aims to further penetrate existing markets and expand into new sectors through 2020. Risk factors are also noted around forward-looking statements.
Roth presentation jason tienor telkonetAdam Martin
This document provides an overview of an intelligent automation company. It discusses the company's history, leadership, financial performance, products, markets, growth strategy, and competitive advantages. The company has experienced significant revenue and profitability growth recently and aims to further penetrate existing markets and expand into new sectors through 2020. Key factors making it well-positioned for continued expansion include its technological capabilities, growing customer base, profitable financials, and experienced management team.
The document provides a summary of the Q2 2020 Managed Services and As-a-Service Market Insights webinar hosted by Moshe Katri of Wedbush Securities.
Some key points from the webinar include:
- The global combined market for managed services and as-a-service saw a nearly 5% year-over-year decline in ACV in Q2 2020. Managed services declined more sharply while as-a-service grew slightly.
- The COVID-19 pandemic accelerated digital transformation initiatives but also slowed overall market growth. Managed services recovery is expected in the second half of 2020.
- Regional performance varied with the Americas up and EMEA/Asia-
SIOS Corporation reported its financial results for the fiscal year ended December 31, 2023. Key highlights include:
- Net sales increased 10.2% year-over-year to 15,889 million yen.
- Operating loss improved to 208 million yen compared to a loss of 572 million yen in the previous fiscal year.
- For the current fiscal year ending December 31, 2024, the company forecasts further growth with net sales projected to increase 4.5% to 16,600 million yen and a return to operating profit of 330 million yen.
For over 75 consecutive quarters, the ISG Index™ has detailed the latest data and trends for the global IT services market for investors, enterprise buyers, software and service providers, law firms, universities and the media.
It is the preeminent outsourcing index that includes coverage of the global combined market, including both managed services and the fast-growing as-a-service market.
One of the few global indices of the global IT market, the ISG Index measures the significant impact cloud-based services are having on digital business transformation and provides ongoing analysis of automation and other digital technologies.
1) The company introduced 40 new brands in Q3 2018, achieving strong growth in subscriptions of 13% and growing digital and mobile sales.
2) Financially, net sales were $131.7 million in Q3 2018, adjusted EBITDA was a loss of $4.2 million, and EPS was a loss of $0.14.
3) Digitally, digital sales reached 51.9% of total sales and mobile sales reached 55.4% of digital sales, both growing compared to the prior year.
- The document is a corporate investor presentation by James R. Swayze, CEO of Symbility.
- Symbility develops cloud-based, mobile technology solutions for the property and casualty and health insurance industries.
- The presentation outlines Symbility's financial highlights and growth strategy, positioning in the insurance technology market, management team, and product capabilities.
The document provides an analysis of the impact of COVID-19 on the IT industry and the financial performance of major Indian IT players in the first quarter of 2021. It discusses both the positive and negative impacts of the pandemic on the IT sector. The positive impacts include increased digitization, growth in cloud technology and 5G, and new projects in cloud and digital areas. The negative impacts include a slowdown in the overall economy, cancellation of tech conferences, restrictions on travel and offices, and potential budget cuts by clients. The document also analyzes the financial performance of major Indian IT companies like TCS, Infosys, HCL, Wipro and Tech Mahindra in Q1 2021. It provides details of their revenues,
Info Edge reported an 18% increase in revenue for the third quarter of FY2015. However, margins declined due to higher spending on new businesses. Specifically, recruitment revenues grew steadily at 19% but showed some weakness in business metrics. Meanwhile, the real estate business 99acres saw a sharp slowdown in growth to 20% due to lack of new projects and increased competition reducing prices. Going forward, continued investment in new businesses raises Info Edge's revenue growth threshold to sustain margins. The brokerage upgraded Info Edge to "Buy" based on intact long-term growth drivers and lower target price.
This document brings together a set
of latest data points and publicly
available information relevant for
Technology Industry. We are very
excited to share this content and
believe that readers will benefit from
this periodic publication immensely.
Enea reported strong financial results for Q3 2019, with record revenue and operating profit. Revenue grew 19% to 250.2 MSEK, with operating profit increasing 24% to 63.5 MSEK. Network solutions saw significant growth of 38% and now makes up 62% of revenue. Enea aims to achieve full-year revenue growth and an operating margin over 20%. The company is well positioned in select telecom and security markets and pursuing growth through innovation, strategic acquisitions, and expanding its product portfolio and customer base globally.
This document contains forward-looking statements about the company's performance that involve risks and uncertainties. It discusses the company's strategy to focus on digital capabilities and services, invest in new technologies, reskill employees, and expand globally. It also notes risks related to talent costs, disruptive technologies, and commodity of traditional IT services. Financial data shows the company's growth in revenues, profits, cash flow, and large deals over recent years through digital transformation of clients.
- Kornit Digital exceeded expectations in Q1 2021 with revenue increasing 152% year-over-year to $66.1 million, significantly exceeding guidance.
- Record quarter for shipments of mass production systems and consumables sales as textile industry accelerates digital transformation.
- Non-GAAP gross margin increased to 47.1% and operating expenses declined as a percentage of revenue.
- Guidance for Q2 2021 expects revenue between $76-80 million and non-GAAP operating income of 11.5-13.5% of revenue.
The document provides a quarterly financial report and outlook for Kolte-Patil Developers Ltd. Key highlights include:
- Sales for Q4 FY2015 were 1 million square feet, up 28% YoY, with total pre-sales for FY2015 of 2.9 million square feet.
- Revenue was Rs. 161 crore for Q4 FY2015, up 21% YoY. EBITDA margins expanded to 29.8% from 23.2% YoY.
- The company expects greater revenue and profit growth in FY2016 and FY2017 as more projects reach the revenue recognition stage.
Climate Impact of Software Testing at Nordic Testing DaysKari Kakkonen
My slides at Nordic Testing Days 6.6.2024
Climate impact / sustainability of software testing discussed on the talk. ICT and testing must carry their part of global responsibility to help with the climat warming. We can minimize the carbon footprint but we can also have a carbon handprint, a positive impact on the climate. Quality characteristics can be added with sustainability, and then measured continuously. Test environments can be used less, and in smaller scale and on demand. Test techniques can be used in optimizing or minimizing number of tests. Test automation can be used to speed up testing.
Driving Business Innovation: Latest Generative AI Advancements & Success StorySafe Software
Are you ready to revolutionize how you handle data? Join us for a webinar where we’ll bring you up to speed with the latest advancements in Generative AI technology and discover how leveraging FME with tools from giants like Google Gemini, Amazon, and Microsoft OpenAI can supercharge your workflow efficiency.
During the hour, we’ll take you through:
Guest Speaker Segment with Hannah Barrington: Dive into the world of dynamic real estate marketing with Hannah, the Marketing Manager at Workspace Group. Hear firsthand how their team generates engaging descriptions for thousands of office units by integrating diverse data sources—from PDF floorplans to web pages—using FME transformers, like OpenAIVisionConnector and AnthropicVisionConnector. This use case will show you how GenAI can streamline content creation for marketing across the board.
Ollama Use Case: Learn how Scenario Specialist Dmitri Bagh has utilized Ollama within FME to input data, create custom models, and enhance security protocols. This segment will include demos to illustrate the full capabilities of FME in AI-driven processes.
Custom AI Models: Discover how to leverage FME to build personalized AI models using your data. Whether it’s populating a model with local data for added security or integrating public AI tools, find out how FME facilitates a versatile and secure approach to AI.
We’ll wrap up with a live Q&A session where you can engage with our experts on your specific use cases, and learn more about optimizing your data workflows with AI.
This webinar is ideal for professionals seeking to harness the power of AI within their data management systems while ensuring high levels of customization and security. Whether you're a novice or an expert, gain actionable insights and strategies to elevate your data processes. Join us to see how FME and AI can revolutionize how you work with data!
Unlocking Productivity: Leveraging the Potential of Copilot in Microsoft 365, a presentation by Christoforos Vlachos, Senior Solutions Manager – Modern Workplace, Uni Systems
Programming Foundation Models with DSPy - Meetup SlidesZilliz
Prompting language models is hard, while programming language models is easy. In this talk, I will discuss the state-of-the-art framework DSPy for programming foundation models with its powerful optimizers and runtime constraint system.
For the full video of this presentation, please visit: https://www.edge-ai-vision.com/2024/06/building-and-scaling-ai-applications-with-the-nx-ai-manager-a-presentation-from-network-optix/
Robin van Emden, Senior Director of Data Science at Network Optix, presents the “Building and Scaling AI Applications with the Nx AI Manager,” tutorial at the May 2024 Embedded Vision Summit.
In this presentation, van Emden covers the basics of scaling edge AI solutions using the Nx tool kit. He emphasizes the process of developing AI models and deploying them globally. He also showcases the conversion of AI models and the creation of effective edge AI pipelines, with a focus on pre-processing, model conversion, selecting the appropriate inference engine for the target hardware and post-processing.
van Emden shows how Nx can simplify the developer’s life and facilitate a rapid transition from concept to production-ready applications.He provides valuable insights into developing scalable and efficient edge AI solutions, with a strong focus on practical implementation.
Fueling AI with Great Data with Airbyte WebinarZilliz
This talk will focus on how to collect data from a variety of sources, leveraging this data for RAG and other GenAI use cases, and finally charting your course to productionalization.
HCL Notes und Domino Lizenzkostenreduzierung in der Welt von DLAUpanagenda
Webinar Recording: https://www.panagenda.com/webinars/hcl-notes-und-domino-lizenzkostenreduzierung-in-der-welt-von-dlau/
DLAU und die Lizenzen nach dem CCB- und CCX-Modell sind für viele in der HCL-Community seit letztem Jahr ein heißes Thema. Als Notes- oder Domino-Kunde haben Sie vielleicht mit unerwartet hohen Benutzerzahlen und Lizenzgebühren zu kämpfen. Sie fragen sich vielleicht, wie diese neue Art der Lizenzierung funktioniert und welchen Nutzen sie Ihnen bringt. Vor allem wollen Sie sicherlich Ihr Budget einhalten und Kosten sparen, wo immer möglich. Das verstehen wir und wir möchten Ihnen dabei helfen!
Wir erklären Ihnen, wie Sie häufige Konfigurationsprobleme lösen können, die dazu führen können, dass mehr Benutzer gezählt werden als nötig, und wie Sie überflüssige oder ungenutzte Konten identifizieren und entfernen können, um Geld zu sparen. Es gibt auch einige Ansätze, die zu unnötigen Ausgaben führen können, z. B. wenn ein Personendokument anstelle eines Mail-Ins für geteilte Mailboxen verwendet wird. Wir zeigen Ihnen solche Fälle und deren Lösungen. Und natürlich erklären wir Ihnen das neue Lizenzmodell.
Nehmen Sie an diesem Webinar teil, bei dem HCL-Ambassador Marc Thomas und Gastredner Franz Walder Ihnen diese neue Welt näherbringen. Es vermittelt Ihnen die Tools und das Know-how, um den Überblick zu bewahren. Sie werden in der Lage sein, Ihre Kosten durch eine optimierte Domino-Konfiguration zu reduzieren und auch in Zukunft gering zu halten.
Diese Themen werden behandelt
- Reduzierung der Lizenzkosten durch Auffinden und Beheben von Fehlkonfigurationen und überflüssigen Konten
- Wie funktionieren CCB- und CCX-Lizenzen wirklich?
- Verstehen des DLAU-Tools und wie man es am besten nutzt
- Tipps für häufige Problembereiche, wie z. B. Team-Postfächer, Funktions-/Testbenutzer usw.
- Praxisbeispiele und Best Practices zum sofortigen Umsetzen
Let's Integrate MuleSoft RPA, COMPOSER, APM with AWS IDP along with Slackshyamraj55
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GraphRAG for Life Science to increase LLM accuracyTomaz Bratanic
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Full-RAG: A modern architecture for hyper-personalizationZilliz
Mike Del Balso, CEO & Co-Founder at Tecton, presents "Full RAG," a novel approach to AI recommendation systems, aiming to push beyond the limitations of traditional models through a deep integration of contextual insights and real-time data, leveraging the Retrieval-Augmented Generation architecture. This talk will outline Full RAG's potential to significantly enhance personalization, address engineering challenges such as data management and model training, and introduce data enrichment with reranking as a key solution. Attendees will gain crucial insights into the importance of hyperpersonalization in AI, the capabilities of Full RAG for advanced personalization, and strategies for managing complex data integrations for deploying cutting-edge AI solutions.
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In this work, we equipped AFL, a popular fuzzer, with DIAR and examined two critical Linux libraries -- Libxml's xmllint, a tool for parsing xml documents, and Binutil's readelf, an essential debugging and security analysis command-line tool used to display detailed information about ELF (Executable and Linkable Format). Our preliminary results show that AFL+DIAR does not only discover new paths more quickly but also achieves higher coverage overall. This work thus showcases how starting with lean and optimized seeds can lead to faster, more comprehensive fuzzing campaigns -- and DIAR helps you find such seeds.
- These are slides of the talk given at IEEE International Conference on Software Testing Verification and Validation Workshop, ICSTW 2022.
In the rapidly evolving landscape of technologies, XML continues to play a vital role in structuring, storing, and transporting data across diverse systems. The recent advancements in artificial intelligence (AI) present new methodologies for enhancing XML development workflows, introducing efficiency, automation, and intelligent capabilities. This presentation will outline the scope and perspective of utilizing AI in XML development. The potential benefits and the possible pitfalls will be highlighted, providing a balanced view of the subject.
We will explore the capabilities of AI in understanding XML markup languages and autonomously creating structured XML content. Additionally, we will examine the capacity of AI to enrich plain text with appropriate XML markup. Practical examples and methodological guidelines will be provided to elucidate how AI can be effectively prompted to interpret and generate accurate XML markup.
Further emphasis will be placed on the role of AI in developing XSLT, or schemas such as XSD and Schematron. We will address the techniques and strategies adopted to create prompts for generating code, explaining code, or refactoring the code, and the results achieved.
The discussion will extend to how AI can be used to transform XML content. In particular, the focus will be on the use of AI XPath extension functions in XSLT, Schematron, Schematron Quick Fixes, or for XML content refactoring.
The presentation aims to deliver a comprehensive overview of AI usage in XML development, providing attendees with the necessary knowledge to make informed decisions. Whether you’re at the early stages of adopting AI or considering integrating it in advanced XML development, this presentation will cover all levels of expertise.
By highlighting the potential advantages and challenges of integrating AI with XML development tools and languages, the presentation seeks to inspire thoughtful conversation around the future of XML development. We’ll not only delve into the technical aspects of AI-powered XML development but also discuss practical implications and possible future directions.
Your One-Stop Shop for Python Success: Top 10 US Python Development Providersakankshawande
Simplify your search for a reliable Python development partner! This list presents the top 10 trusted US providers offering comprehensive Python development services, ensuring your project's success from conception to completion.
Your One-Stop Shop for Python Success: Top 10 US Python Development Providers
Q2 FY22 Results Earnings Announcement
1.
2. 2
Certain statements in this release concerning our future prospects are forward-looking statements. Forward-looking
statements by their nature involve a number of risks and uncertainties that could cause actual results to differ materially
from market expectations. These risks and uncertainties include, but are not limited to our ability to manage growth,
intense competition among Indian and overseas IT Products companies, various factors which may affect our cost
advantage, such as wage increases or an appreciating Rupee, our ability to attract and retain highly skilled professionals,
time and cost overruns on fixed-price, fixed-time frame contracts, client concentration, restrictions on immigration, our
ability to manage our international operations, reduced demand for technology in our key focus areas, disruptions in
telecommunication networks, our ability to successfully complete and integrate potential acquisitions, liability for
damages on our service contracts, the success of the companies in which Intellect Design Arena has made strategic
investments, withdrawal of governmental fiscal incentives, political instability, legal restrictions on raising capital or
acquiring companies outside India, unauthorized use of our intellectual property and general economic conditions
affecting our industry.
Intellect Design Arena may, from time to time, make additional written and oral forward-looking statements, including our
reports to shareholders. These forward-looking statements represent only the Company’s current intentions, beliefs or
expectations, and any forward-looking statement speaks only as of the date on which it was made. The Company
assumes no obligation to revise or update any forward-looking statements.
Safe Harbor Statement
2
3. 3
3
Agenda
Intellect - A Snapshot
01
Performance Overview
03
04
Building on Market Leadership
Impactful Innovations
05 Management Observations
02
4. The world’s only NextGen, Composable and Contextual FinTech Platform
Intellect
4
25+ Years
of Domain Expertise
in FinTech
97+
Countries Served
for Retail and Transaction Banking and
InsurTech categories in IBS SLT 2021
30+
Global Partners
reflecting its commitment to continuous
and impactful innovation
260+
Global Banking Clients
Ranked #1
globally by IBS
8012 - The world’s first
design center for FinTech
5. Intellect Platforms and Products Overview
iGTB Cloud - CashPower ‘22
Platform
Contextual Banking
Experience
Liquidity
Management
Solution
Payments
Services Hub
Trade & Supply
Chain Finance
Digital
Core
iKredit360
Digital
Cards
Retail Banking
(CBX Retail)
Central
Banking
CORPORATE
BANKING
Underwriting
(Xponent)
Risk
Analyst
Magic
Submission
Digital Wealth
( Wealth Qube)
RETAIL
BANKING
INSURANCE
The world’s only NextGen, Composable and Contextual FinTech Platform
6. Intellect Platforms and Products Overview
The world’s only NextGen, Composable and Contextual FinTech Platform
Treasury and
ALM (Capital
Cube)
Asset Servicing
(Capital Sigma)
RISK,
TREASURY
&
CAPITAL
MARKETS
PLATFORMS
IDX
iTurmeric
iGov
12. 12
The current funnel of Intellect (INR Mn)
Healthy Pipeline
12
41,490 ($ 560 mn)
is accounted by 156
opportunities
Q2 FY22
48,084 ($649 mn) 46,302 ($ 628 mn)
38,118 ($ 517 mn)
is accounted by 150
opportunities
Q1 FY22 40,181 ($ 540 mn)
30,285 ($ 407 mn)
is accounted by 117
opportunities
Q2 FY21
DESTINY DEALS
# OF DEALS
AVG DEAL SIZE
INR (mn)
% TO TOTAL
OPPORTUNITIES
Q2 FY22
54
414 ($ 5.6 mn)
62%
Q1 FY22
50
412 ($ 5.6 mn)
62%
Q2 FY21
41
446 ($ 6 mn)
53%
13. 13
13
High Value
Active
Pursuits
> INR 50 Cr
INR 30 Cr –
INR 50 Cr
INR 20Cr –
INR 30Cr
Q2 FY21
41
9
12
20
Q1 FY22
50
9
17
24
Won
5
1
2
2
Lost
2
-
1
1
Added
11
3
3
5
Remarks
5 deals Won
2 deals Lost
43 deals from Q1 22
11 new deals added
1 deal Won
8 deals from Q1 22
3 new deals added
2 deals Won
1 deal Lost
14 deals from Q1 22
3 new deals added
2 deals Won
1 deal Lost
21 deals from Q1 22
5 new deals added
Q2 FY 22
54
11
17
26
Active Pursuits
14. Financial Results for the Second Quarter Ended – September 30, 2021
Additional Information on function wise classification of statement of Profit and Loss of the Group (Consolidated Unaudited / Not Reviewed) INR Millions
Particulars
QUARTER ENDED HALF YEAR ENDED YEAR ENDED
September 30, 2021
(Q2 FY 22)
June 30, 2021
(Q1 FY 22)
September 30, 2020
(Q2 FY 21)
September 30,
2021 (H1 FY 22)
September 30, 2020
(H1 FY 21)
March 31, 2021
(FY 21)
March 31, 2020
(FY 20)
INCOME
Income from software product license and related
services
4480 4064 3730
8544
7223
14992
13509
Hedge Impact 42 19 (12) 61 (46) (17) (40)
Total income 4521 4083 3718 8605 7177 14975 13469
EXPENDITURE
Software development expenses 1903 1788 1635 3691 3247 6646 6987
Gross Margin 2618 2296 2083 4914 3930 8329 6482
Gross Margin % 58 56 56 57 55 56 48
Selling and marketing & General and administrative
expenses
1153 1051 958 2204 1894 3836 4555
Research & Engineering expenses 283 242 234 525 464 933 1219
Total Expenditure 3339 3081 2826 6421 5606 11415 12761
EBITDA 1182 1002 892 2184 1571 3559 708
Depreciation & Amortisation (237) (227) (194) (464) (382) (767) (690)
Finance Charges (12) (12) (25) (24) (65) (92) (174)
Fx Reins. (loss)/gain (58) 46 (28) (12) 21 28 26
Other Income / Expense 26 68 17 93 (11) 154 340
Profit / (Loss) before tax 901 877 662 1778 1133 2882 211
Provision for taxation (108) (140) (70) (248) (115) (255) (51)
Profit / (Loss) after tax 792 737 592 1530 1018 2628 160
15. Investment of INR 1000 Mn in a privately pooled investment vehicle, Alternative Investment
Fund-Category III in accordance with Regulation 10 of SEBI (Alternative Investment Funds)
Regulations, 2012 as recommended by the Audit Committee
Board Announcement
15
17. Building Market Leadership
9 New Deals including 6 Platform Deals
Europe:
Signed a Strategic Deal with Resurs
Bank in Nordic Region
24
EUROPE
Americas
Signed a significant
Underwriting Platform
Insurance deal in US
A top 30 US Bank signed up
for extending iGTB’s Liquidity
Management Platform for a
global rollout
A top 10 US Bank signed up
for Dynamic Pricing for their
Liquidity & Deposit solutions,
broadening their trust with
iGTB’S Liquidity Platform.
India:
Large multimillion Destiny deal
from a leading private sector bank for
implementing Intellect SME platform
(iKredit 360)
Middle East
- Jordan Kuwait Bank and a top 10
bank in Kuwait have signed up for
iGTB’s Cloud Native CashPower
Platform
- A top 10 bank in Kuwait has signed
a transformative deal with iGTB’s
CashPower 22 Platform
A top 3 GCC Bank has signed up to
extend the existing Cash
Management Platform to their new
entity in United Arab Emirates
Africa:
- -A leading South African Bank
signed up for modernizing their
Liquidity Platform
28
AMERICAS
54
APAC
155+
IMEA
260+
customers
97
countries
18. Intellect completed the digital transformations
in 26 financial institutions across the world
during this quarter
New Digital Transformation
in Q2 FY 22
Digital Transformations with
expanded product capabilities
/additional Geographies in Q2 FY 22
26
10
16
Growing Customer TRUST with On Time deliveries
Project deliveries to customers are aligned with industry best practices of Agile Methodology, supported by Execution
Accelerators such as Product User Journeys and Low-code Technology Platforms, and are delivered through APIs, Domain
Packs and Model bank on cloud
22. Digital on-boarding:
Frictionless ushering of
corporate on to the
CashPower platform
iGTB CashPower ’22 Highlights - II
Group CIO
Leading Transaction Bank
Commercial Acumen IT Acumen Operational Acumen
C I O
Commercial Acumen
How do I realize returns on
my tech investments within a
single budget cycle?
IT Acumen
How do I modernize without
rip-and-replace approach of
my existing IT investments?
Operational Acumen
Running my own data centres is an
operational nightmare in terms of staffing,
skills, runaway coasts and peak loads.
23. www.igtb.com
USER JOURNEYS - 78
COMMON OFFERING • UI/UX Branding • ARX – Security Module • Standard Integration Pack
MODULES
1. Account Services
2. Payments - Standard
3. Mobility - Standard
CashNow - 6 Modules
SEAMLESS PAYMENTS
Launched on 16th Aug, 2021
iGTB Cloud - CashPower ‘22
4. Common Services
5. Customer On-Boarding
• By Bank • By Self
OPEN BANKING API - 25
20 – Inquiries; 5 – Action
USER JOURNEYS - 134
MODULES
1. Account Services
2. Payments - Advance
3. Mobility - Standard
4. Collections
5. H2H
CashXtra - 12 Modules
SMART PAY & COLLECT
6. Dashboard
7. Common Services
8. Customer On-Boarding
• By Bank • By Self
OPEN BANKING API - 50
29 – Inquiries; 21 – Action
USER JOURNEYS - 197
MODULES
1. Account Services -
Advance
2. Payments – Advance
3. Physical Payments
4. Mobility - Advance
5. Collections
6. Receivables
7. Virtual Accounts
CashPower - 18 Modules
360 DEGREE BANKING
8. Liquidity
9. H2H
10. Dashboard – Advance
11. Common Services
12. Customer On-
Boarding
• By Bank • By Self
OPEN BANKING API - 75
46 – Inquiries; 29 – Action
5
Discreet Cash Management offerings for Business Banking, SME & Large Corporates
World’s First Integrated Cloud Native Platform
for Cash Management offered as Managed Service
24. Be up & running with Digital Transaction
Banking on Cloud - via iZOOM
1
2
3
Our strong implementation experience and resultant
expertise from 57+ successful implementations of
Digital Transaction Banking (DTB) suite across APAC,
Europe, Middle East, & Africa.
iZOOM - derived & designed considering
24
10-25
Weeks#
# Indicates typical duration for “as-is implementation” of the base package for a bank.
. Actual duration may vary basis choice of module/package.
• Test automation
• Automated deployment
• Migration scripts
IP & TECHNOLOGY ACCELERATORS
• Market specific Product Awareness Session
• Product deployed in cloud with MData & PData
• Onboarding templates
• Regression test packs
• Interface configurations
BUSINESS ACCELERATORS
• Pre-Configured integration cartridges/adapters
• Proprietary Middleware Layer – Seamless
ecosystem integration via configuration
INTEGRATION ACCELERATORS
TB Test Packs to kick start the
Solution testing
6K+
Reusable Interface Touch Points with Core
Banking & other Solutions
130+
24
Comprehensive and Reliable Implementation Methodology
Rapid Implementation Methodology
25. 25
Proven integration experience across all leading
Core Banking systems
Phoenix Equation
Various Home-Grown &
Legacy Core Banking systems
DIGITAL
CORE
ROBUST
INTELLECT
INTEGRATION LAYER
26. Global Rollout to cover 70 countries
Due to Data
Sovereignty
Restriction, In-
Country hosting
solution in-
progress for
these countries
• UAE
• BAHRAIN
• OMAN
• KUWAIT
• JORDAN
• ISRAEL
• IRAN
• KSA
• QATAR
MIDDLE-EAST
• ROMANIA
• HUNGRY
• POLAND
• CZECH R
• SERBIA C
• UKRAINE
EASTERN
EUROPE
26
CashPower on iGTB Cloud across Azure data centres
• CANADA
• USA
• MEXICO
• PERU
• BRAZIL
• COLOMBIA
• CHILE
• AGRENTINA
AMERICAS
• SINGAPORE
• MALAYSIA
• INDONESIA
• THAILAND
• VIETNAM
• CAMBODIA
• LAOS
• SOUTH KOREA
• TAIWAN
• HONGKONG
• INDIA
• SRI LANKA
• BANGLADESH
• MYANMAR
• AUSTRALIA
• NEW ZEALAND
• PAPUA NEW
GUINEA
APAC
AFRICA
• SOUTH AFRICA
• UGANDA
• TANZANIA
• ETHIOPIA
• NIGERIA
• MAURITIUS
• GHANA
• ZIMBABWE
• ZAMBIA
• MOZAMBIQUE
• ISRAEL
• ALGERIA
• MOROCCO
• TUNISIA
• KENYA
• EGYPT
• SWEDEN
• DENMARK
• FINLAND
• NORWAY
• ICELAND
NORDICS
• GERMANY
• SPAIN
• NETHERLANDS
• BELGIUM
• FRANCE
• ITALY
• GREECE
• UK
• IRELAND
EUROPE
27. iKredit 360 & IDC Open Finance Platform Powers Resurs Bank
to be a market leader for e-Commerce and POS Credits
28. Above all, a sense of responsibility towards the retail partners and big retail chains in
Nordic, deep appreciation of technology and drive for innovation on the fly
Growth and expansion over last 40 years
Leader in consumer finance across Nordic region
Leading partner for sales-driven payment and
loyalty solutions in retail and e-commerce
Best-in-class instore credit
Agile business model
Key Focus Areas
28
29. 29
Digital Transformation Goals
Establish the foundation
for a 24/7 bank
Reduced operational
risk
Become a self-service
bank
Enhanced customer and
partner insights
Faster time to
market
Cost of development
1
2 Manual processes
3 Changes in payments
4 Limited flexibility
5 Operational risk
Across Sweden,
Norway,
Denmark and
Finland
Intellect has been chosen as a partner after rigorous assessment over 18 months with 30+
workshops and 3 months of very detailed POC. Initially started with a long list of 21 vendors and
Intellect won the deal against Temenos, Mambu and Thought Machine
: Pain Points
30. Intellect Partnership Promotion By Resurs
CIO TALKING ABOUT THE PARTNERSHIP AT
THE CAPITAL MARKETS DAY
CAPITAL MARKETS DAY PREVIEW
HIGHLIGHTING THE PARTNERSHIP
CEO MESSAGE
PRESS RELEASE
3
0
31. 31
IDC and iKredit 360 - Power Under the Hood
Core
(Consumer,
SME/Corporate/Partners)
Lending
(Retail/Corporate Lending,
Invoice Financing)
Origination - Lending / Cards / Sales Finance
Resurs - Mobile and Internet Channels
(Developed and Managed by Resurs)
Turmeric Integration and Extension SDK / API Management / Process Orchestration Layer - OAuth 2.0 Authentication
Partner Settlement and Integrated invoice processing
Partner ERP Systems / e-Commerce Market Place
(Developed and Managed by Retail Chains)
Customer 360 / Assisted Channel
Open Finance Headless Platform
Intellect Open Finance Platform - IDC/iKredit 360
300+ OpenAPI 3.0 compliance RestAPIs
CIF GL
CASA/OD Flexi Deposits
BG/P27/SEPA Pricing Bundle
Limits Collateral
Fees/Charges Schemes
Pre-collection
Interest
Management
Dunning
Interest Rates Fees/Charges
Documents/
PPI
Cards
(Consumer/Corporate,
Master/Private Label/Gift
Cards, Sales Finance)
Revolving Limit Loyalty
Delinquency
Dunning
Interest
Management
Flexi Credit FEWS
Installments
Market Place
(Nordic Payments and
Document Management)
SEPA P27
DMS
Resurs’ Systems
DWH, Card Acquirer,
Data Lake, SWIFT
Gateway, Card
Switch and 20+
systems
300+ APIs. 100+ PBCs. Microservices. Real-time Event Driven
Common Services - Notification/Alerts, Transaction Posting Engine, Pricing Bundle, Dunning Services etc.
32. 0
1
0
2
0
5
0
4
0
3
Container based
Micro-services
Multi-entity, Multi-country,
Multi-time Zones, Multi-
branches, Multi-lingual,
Multi-currency
Hosted in AWS
Germany
Cloud native system
optimized for
continuous delivery
Auto scaling for
demand spurts
Power Under the
Hood
Digital Twinning,
continuous
innovation and
deployment with
Micro-services
architecture
32
33. Collaborative innovation
with Resurs Bank.
Quick Response time
Accelerated release
process
Conceptualize, create, test
and launch partner products
on the fly
In rapid mode, from code
commit to build – CI-CD Model
01
02
03
04
05
Intellect delivers Innovation as a Service
33
34. Hyper connected with the Ecosystem
Quicker on-boarding for
developers and
partners
API-first architecture
enables ‘Embrace and
Extend’
300 + APIs out of the
box
Rich Event driven
architecture
Partners can go from concept
to test to launch within days
34
35. Intellect Digital Core - Offers Best in Class Breadth of Functionality
100+ Packaged Business Capabilities with over 1000 Functions
Deposits (7)
Deposit Operations
Tax
Liquidity
Interest Rate Management
Safe Deposit + 2 PBCs
Payments (6)
Payments & Clearing
Remittance Operations
Payment Components
SEPA Payments
SWIFT and P27 Compliance
Corporate Payments
Account Operations
(10)
Cash Deposit
Withdrawals
Wallets
Virtual Accounts
Collections and Receivables
Digital Banking
ATM Withdrawals
Cards Operations + 3 PBCs
Customer
Management (12)
Super CIF
E-KYC
AML Operations
On-Boarding
CRM
Wealth Management
Loyalty & Rewards
Wealth Management + 4 PBCs
Enterprise
Services (20)
Product Configurator
Enterprise GL
Digital Teller
Fixed Assets Operations
Back office Operations
Trade Finance
Pricing Engine
Treasury
Intellect Data extraction
Identity and Access
Management
Reports Configuration
Branch Ops + 7 PBCs
Lending (18)
Commercial Loan Origination
Retail Loan Origination
Credit Risk Scoring
Loan Servicing
Microfinance / Microcredit
Operating Lease
Commodity Financing
Collaterals Management
Limit Management
Loan Syndication
Project Financing
Refinancing
Debt Management
Underwriting
Credit Scoring + 3 PBCs
iTurmeric (5)
API Exchange
Experience Studio
Integration & Orchestration
Developer Sandbox
Integration Endpoints
Marketplace
(26)
AI/ML Based Voice Banking
Tokenized Cards
Document Management
Personal Finance Management
Open Banking
Online Training & Learning
HRMS
Distributed Ledger Contracts
Crypto-currency Transactions
Regulatory Reporting
Portfolio Analysis
Profitability Analytics
Next Best Product
Conversational AI
Campaign Engine
Gamification
Agent Banking
Loan BOTs
10+ Partner PBCs 35
36. Intellect Digital Core - Offers Best in Class Breadth of Functionality
300+ Intellect Public Open APIs & 90+ Partner APIs
Partner APIs
(92)
Modify Group
Release Freezed Limit
Get Transaction Details
KYC ID - validation - scan
KYC ID - verification
KYC ID - face scan
Cashflow prediction for retail
banking -ATM, Branches
Categorization & Spend
Analytics
Cashflow Forecasting
OBIE - Account Access Consents
OBIE - Get Account Access
Consents
OBIE - Delete Account Access
Consents
OBIE - Fetch Accounts List
Tag Document
Remove Document
+ 77 APIs
Deposits (25)
Find Closed Deposit Account
Details
Fetch Deposit Summary
Fetch Deposit Account Details
Fetch Deposit Interest Rates
Fetch Deposit Nominee
Fetch Liens Marked on
Deposits
+ 19 APIs
Accounts (50)
Create Account
Create Hovering
Configure Currency Codes
Cancel Limits
Issue Cheque Book
Renew Limits
+ 44 APIs
CIF (15)
Create Joint CIF
Create Lite CIF
Amend Individual CIF
Amend Corporate CIF
Amend CIF Status
Amend CIF Grading (eg. PEP)
+ 9 APIs
Enterprise Services
(60)
Configure GL Category
Create GL Head
Create GL Access Code
Fetch GL Description
Fetch Outstanding Nominal
Transactions
Fetch GL Transaction Details
+ 54 APIs
Lending & Collateral
Management (90)
Initiate a Loan
Customer Search / Dedupe
Loan Eligibility Check
Loan Application Status Check
Upload documents
Fetch Loan Details
+ 84 APIs
Cards (36)
Get Corporate Data Entry
Save Corporate Data Entry
Update Corporate Data Entry
Get Card Customer Details
Get Customer Search 360
Update Address Change
+ 30 APIs
Payments (60)
SWIFT - payment returns
SWIFT - reject recall request
SWIFT - accept recall request
SEPA - recall request
SEPA - accept recall request
SEPA - payment returns
+ 54 APIs
36
38. Arun Jain, Chairman and Managing Director
“Intellect's technologies have driven calibrated and profitable growth over the last 8 quarters. As
committed during the Intellect Technology day in March 2021, we launched two Platforms on
Cloud this quarter - iKredit360 and iGTB Cloud - CashPower ‘22. Both platforms have helped
Intellect win 6 platform deals in this quarter. This is the beginning of Intellect's transition from a
Product company to a Fintech Platform.”
Venkateswarlu Saranu, Chief Financial Officer
“Our achieving 22 % growth in two successive quarters with EBITDA growing by 33% is quite
satisfying. We are now a zero debt company, another landmark for a Fintech platform. We are
confident of growing over 20% for the current year.”
Management Observations
38
39.
40. Chief Financial Officer
venkat.saranu@intellectdesign.com
Vice President – Investor Relations
+91 8939782837
praveen.malik@intellectdesign.com
AVP – Corporate Communication
+91 8939619676
nachu.nagappan@intellectdesign.com
Venkateswarlu Saranu Praveen Malik Nachu Nagappan
Contacts
40