The document discusses Temenos Connect Mobile Banking (TCMB) Retail, a mobile banking application integrated with Temenos' T24 core banking platform. TCMB Retail provides a rich user experience that looks and feels like a native mobile app across iOS, Android, and Windows devices. It utilizes Temenos' SmartHybrid technology to develop the app once and wrap it with native skins, allowing dynamic updates without app store re-distribution. This simplifies distribution and maintenance while providing a consistent user experience. Key benefits for banks include quickly delivering a superior mobile banking experience, reducing app management complexity and costs, and enabling agility to changing market and customer demands.

1. Temenos Connect Mobile Banking for Retail

2. Temenos Product Overview
2
T
he digital revolution is upon us and the impact on the banking
industry is phenomenal. The adoption of mobile devices across
the globe coupled with the rise in 3g and 4g data connections
is transforming the ways in which consumers manage their
finances. Mobile banking is the fastest growing channel in banking
history, growing five times faster than internet banking and equating
to 60% of all digital traffic in some large banks.
The consumer is now in control, expecting a secure, rich customer
banking experience conveniently from the palm of their hand
whenever they want and wherever they are. There is a new generation
of customer that has grown up with mobile device technology
and consider it their natural channel for shopping, socialising,
entertainment and managing their finances.
The ways in which banks leverage this mobile channel will be a key
differentiator in how they attract and retain customers and ultimately
increase customer wallet share.
The mobile channel presents a massive opportunity for banks. It is
a far more cost effective channel providing significant savings per
transaction in comparison to traditional branch transactions. In
addition, data can be gathered and analysed via the mobile channel
and be used as a very powerful marketing tool. This drives customer
intimacy through a better understanding of their buying behaviour,
traits and lifestyle. It also enables banks to reach their customers at
the point of interaction providing contextual, relevant and real time
offers and services that enhance the overall banking experience.
However, along with opportunity, banks also face many challenges.
For instance, the mobile device landscape is changing rapidly with
new devices and models continually being released using different
operating systems, and as technology evolves so do customer
expectations. There is a need to provide a customer with a consistent
digital experience across web and mobile applications. There is also
increasing pressure for IT to deliver banking apps quickly to gain
competitive advantage and to meet consumer demands as mobile app
usage continues to explode.
For banks to succeed in this digital revolution they need to adopt a
mobile strategy that will provide new levels of agility to respond to
market opportunities, enable rapid speed to market, drive innovation
and be sustainable for the future.
Temenos Connect Mobile Banking (TCMB) Retail
TCMB Retail is a standalone mobile banking application providing
rich pre-configured retail functionality fully integrated to Temenos’
leading core banking platform T24. TCMB Retail has been developed
using our ground-breaking SmartHybrid technology solution for
developing mobile applications that provide a near native experience
with fully optimised performance and security.
Looks, feels and behaves like native
Developed as a SmartHybrid mobile application, TCMB Retail
combines the very best of native and web technologies. TCMB Retail
is available for iOS, Android and Windows phones, and provides a rich
engaging user experience leveraging device specific features such as
camera, phone book and GPS.
TCMB Retail is underpinned by Temenos’ User Experience Platform,
edgeConnect, which includes the SmartHybrid technology solution,
providing a host of benefits to both to the bank and its customers.
Temenos Connect Mobile Banking for Retail
A smarter approach to delivering mobile banking

3. Temenos Product Overview
3
An advantage of SmartHybrid developed mobile apps is that they only
need to be developed once and can then be wrapped with native skins
for specific phone types. This means that TCMB Retail fully utilises
device specific features to provide the richest native experience for
the customer whatever phone type they use.
Another benefit is the ease in which the user interface of TCMB Retail
can be amended and enhanced keeping the user experience fresh,
relevant and engaging. The user interface can be easily customised by
marketing professionals or business analysts, providing dynamic and
personalised content with high fidelity, pixel-perfect layout thereby
providing a near native optimum user experience.
Simple app distribution
An important benefit to the bank is that only one skill set is
required to enhance and maintain the app which is then pushed
out automatically to the multiple platforms. This significantly
increases speed to market, drastically reduces maintenance costs
and improves productivity. It also enables banks to be agile enough
to respond to new market opportunities driven by emerging device
and web technologies, customer demands or perhaps new regulatory
requirements that need to be addressed. This approach significantly
reduces the complexity and cost of managing and distributing
multiple apps for various phone devices.
The actual screens are updated on a server, like web applications,
which means that there is no need for the app to be re-distributed
to app stores each time changes are made. It also means that the
banking customer does not need to continually keep updating and
downloading their mobile banking app. This makes app distribution
much simpler and increases usage of the app through higher levels of
customer satisfaction.
Optimised performance
A major difference between hybrid mobile apps and SmartHybrid
apps is performance. Traditionally hybrid apps have compromised
on performance to enable agility across multiple platforms.
However TCMB Retail inherits all the benefits of being underpinned
by edgeConnect UXP, so not only is performance fully optimised,
apps are enterprise scalable and security features are stringent. This
truly is a ground breaking approach in the development of mobile
applications.
Platform approach
TCMB Retail is a standalone mobile banking application integrated
with Temenos’ T24 however banks can choose to extend the
edgeConnect platform enabling them to adopt additional digital
channels solutions such as Temenos Connect Internet Banking (TCIB)
and to enable in-house development of additional web and mobile
applications across the enterprise.
A single, consistent, UXP across all digital channels enables banks to
provide a rich, engaging user experience across all customer touch-
points, accessible by whatever device type the customer chooses.
Banks will then reap significant development and maintenance cost
savings and lower cost of ownership, along with increased speed to
market and efficiencies from reuse of common business components
across applications. This also leads to a simplified IT architecture
enabling business agility now and in the future.
With the device landscape evolving at a rapid pace, along with
supporting operating systems and browsers, developing native mobile
applications is not sustainable long term. Banks can be confident
that as a result of TCMB Retail being underpinned by Temenos’ UXP,
edgeConnect, and developed as a SmartHybrid app, their mobile
banking app is future proofed to embrace new technologies. Banks
can also be confident that both the user experience and performance
levels are in line with a native experience that the customer demands.
Innovation is absolutely key for banks to succeed in this digital
revolution. Smarter banks will look at adopting a platform for
developing both web and mobile applications that can evolve
alongside technology advancements, enabling them to embrace new
opportunities as they arise.
Benefits for banks
• Quickly deliver a superior retail mobile banking app across
multiple phones – iOS, Windows and Android
• Reduce the complexity and cost of managing and distribution of
the mobile banking app
• Distribute a mobile banking app that fully utilises device specific
features such as phone, camera, GPS
• Deliver a near native experience, with highly optimised
performance and stringent security
• Easily amend and customise the user experience with dynamic
content, using pixel perfect layout
• Distribute the app through App Stores
• Enhance the mobile app without the need to re-distribute the
app saving users the task of performing large downloads
• Rapidly respond to new market opportunities and customer
demands
• Meet the needs of the next generation customer, now

4. Temenos Headquarters SA
2 Rue de l’Ecole-de-Chimie
CH-1205 Geneva
Switzerland
Tel: +41 22 708 1150
Fax: +41 22 708 1160
www.temenos.com
TCMB Retail functionality
TCMB Retail provides rich, pre-configured retail banking functionality
across all phone device platforms. The flexibility of the underpinning
UXP enables banks to rapidly implement additional retail banking
functionality if required and to easily apply their own branding. The
functionality includes:
Pre-login
• Finding the nearest bank branch or ATM
• Exchange Rates
User interaction and contact details
• User greeting including last time successfully logged in
• Maintenance of some personal details
• Configurable quick log off actions such as shake to log off” or “turn
phone face-down to log off”
Messages
• Send and receive secure messages to/from the bank
• View message conversation history
Product holding overview
• Single view of retail product holdings such as current and savings
accounts, loans and fixed term deposits
Current and savings accounts
• Summary account information including available balance and
recent account transactions
• Cheque cancellation, view cheque status and request for new
cheque book
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Payments
• Transfer funds
• Domestic and utility payments (one-off, future or regular) to
existing or new payees
• International payments (one-off, future or regular) to existing
payees
• Manage standing orders (regular payments) and future-dated
payments
• View and cancel direct debits
Loans
• Summary information including balance and scheduled loan
repayments
Term deposits
• Summary information including balance and transactions
Remote deposit capture
Cheque image capture using the phone camera and remotely
depositing it (optional and subject to licencing of 3rd
party
component)
Personalisation
• Add nicknames to accounts
• Configurable settings
Integration with phone features
• GPS for location (find nearest branch or ATM)
• Accelerometer (“shake to log off”)
• Gyroscope (“turn phone face-down to log off”)
• Camera (if using optional remote deposit capture)
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