The document discusses challenges facing banks as they seek to improve efficiency and profitability. It outlines key business drivers such as cost reduction, improving customer experience, and regulatory compliance. Top Image Systems provides integrated solutions to help banks address these challenges by streamlining operations, reducing costs, enhancing processes, and reducing risk through technology. Their banking platform allows banks to capture, verify, and utilize critical data to drive business processes and deliver value.

1. Driving content in the right direction
Banking Solutions
Helping you focus today on the bank Competition from new entrants demanding agility
of tomorrow Erosion of margins
Ensuring effective risk management
As Banks recover from the recent economic turmoil they face
a host of challenges as they seek to improve the industry’s Utilizing technology as a key enabler for differentiation
health and foster long-term stable growth. Banks must focus on
improving their ratios, increasing profits, making cost reductions
while rebuilding profits and restoring client trust, with effective risk
Assurance for the future
and fraud prevention solutions in place; whilst competition in the Top Image Systems™ (TIS™) provides comprehensive, integrated
industry remains fierce. solutions for banks, helping them to meet their business
ambitions; streamlining and automating operations, reducing
As a result, banks must determine their areas of specialization and
costs, significantly enhancing processes and efficiency, whilst
focus their efforts on those markets, products and distribution
ensuring regulatory compliance and reducing risk.
channels they can manage efficiently, utilizing the appropriate
technology to deliver sustainable business gain. For two decades TIS has worked with many of the world’s leading
banks, combining knowledge of banking markets worldwide
The challenges of recovery presents many opportunities that
with expertise of how technology is best applied to provide real
executives should seize; banks must begin a transformation
solutions to business issues, delivering sustainable business
today to make sure they are fit, focused and ready to face any
gain. Our customers are based in more than 40 countries around
barriers standing between them and continued success.
the world and include over 60 national and international banks,
Key business drivers are: including many Tier 1 global banks and shared service centers
Delivery of significant efficiency gains and continuous cost that are successfully using our solutions to give the best service
reduction to customers in the financial markets.
Improving customer experience
Prevention and detection of fraud
Changing legislation and regulatory environments
Convergence and consolidation in the market
Globalization, in particular the battle for footholds in
emerging markets
Top Image Systems

2. TIS Business Process Solutions
The TIS Banking Platform Customer relations – Manage customer relations in a
more personalized way. High-speed business processes
We take pride in delivering real and lasting value for banks. TIS
enable a better customer experience. Meet demands
excels in providing innovative, integrated solutions and services
for convenient banking, as well as an integrated branch
that set us apart from our competitors as a leading ECM
experience
application software provider to the financial services industry.
Our eFLOW™ Banking Platform accelerates business processes Silent installation – Low cost deployment, ease of
by serving as a gateway for any information entering the bank, deployment and maintenance
whether paper based or electronic, in both the front, middle
and back office. eFLOW automatically captures, classifies and
validates information from the incoming documents. Data is One platform. Multiple choices.
extracted using advanced recognition technology and validated Banks today are looking for technology platforms that integrate
against information supplied by Core Banking Systems. eFLOW the entire front and backend information management needs into
sends the extracted data to ECM, ERP, Core Banking systems, one flexible and modern architected platform, which fits in with
Risk systems, CRM workflow and archive systems. banks’ stringent architectural requirements.
TIS’s banking platform is based on our proven technology
The value TIS delivers eFLOW. The open architecture allows the implementation of any
Cost reductions - Deliver multichannel cost reductions module from the eFLOW suite, and the seamless integration to
and improve banking ratios, such as cost income other applications in the bank, as well as between branches and
the HQ.
Fraud prevention, risk management and The eFLOW platform through to our business rules and workflow
compliance – Prevent and detect fraud, protect reputation, engines delivers the technical infrastructure to manage and deploy
secure and validate data, meet regulatory requirements, and complex ECM solutions from OCR/ICR scanning engines and
deliver auditability and traceability auto response services. Complex processes can be designed
and deployed centrally or in distributed environments, where on
Business efficiencies – Lower transaction costs, more or offline capabilities for branch operations can be delivered as
STP (Straight Through Processing) and automation, part of the solution.
simplify customer on-boarding, streamline loan operations,
improve payments, support business intelligence, improve TIS’s Banking platform enables ECM applications to be
productivity, make process efficiencies, and improve cash seamlessly integrated with existing and new banking solutions,
management e.g. Core Banking, Mobile Banking, Case Management, Risk and
Compliance, Payment, CRM applications, Business Intelligence
Cost control – Savings in workforce and storage systems, existing enterprise workflow and document management
overheads systems; ensuring you gain maximum return from investments
made in your existing and legacy systems.
IT efficiencies – Our SOA approach improves systems
integration, delivers repeatable value and provides Banking TIS solutions landscape includes:
IT services and process driven content management,
1. Front Office Relationship Manager
enabling end-to-end solutions
2. Banking Back Office
Data control – Accessible, auditable, managed and 3. Enterprise Gateway
accurate information in real time 4. Common Banking Services
Agility – The process driven approach enables banks to
respond rapidly to changing demands. eFLOW’s dynamic
capabilities enable rapid change to business processes to
deploy enhancements

3. TIS Business Process Solutions
TIS Banking Platform - Application Landscape
Front Office Back Office Enterprise Gateway
Relationship Manager
Loan Origination Digital Mailroom Document Solutions
Secured and Unsecured Lending Account Processing Core Banking Systems
Account Opening Payments Core Accounting
Current & Deposits Order Management Risk Engines
Investments Accounts Receivable Compliance Engines
Pensions Account Payable OFAC
Account Administration Settlements (P2P) Local Regulatory
New Customer Acquisition Check Processing Payments Engines (swift)
Mobile Banking Signature Verification Enterprise Workflow
Application Loan Processing Fund Management Solutions
Deposits Corporate Actions Pensions Admin
Loans Trade Finance
Bills Collateral Management
Payments Lockbox
Compliance & Risk Pensions Admin
KYC, WLC, SAM, 4 Eyes, AML BPO and Bureau Services
Banking Platform - Common Banking Services
e.g. CTS, Signature Verification, Offline sync, MQ, Authentication
eFLOW ™ Platform - Scan, OCR, ICR
The eFLOW Banking Platform is an application and process Examples of process driven applications:
driven family of forms-based applications and data capture
Front Office Relationship Manager Form Examples
solutions that empowers banks, its customers and business
Loan Origination
partners to collaborate successfully - anywhere, anytime. The
Secure and Unsecure Lending
eFLOW Banking platform will enable banks to capture, verify
Credit Card
and use critical content and data that is entering the enterprise in
Student Loan
order to drive the business.
Mortgage
Information listed on structured forms and documents such Account Opening
as credit applications, new account forms, mortgage and Current & Deposits
loan applications and others can be captured faster and more Investments
accurately and delivered to the enterprise applications that Pensions
provide customer service. Account Administration
Monthly portfolio statements
eFLOW easily handles common semi-structured documents,
Automated teller machine statements
such as invoices, purchase orders, credit notes and others, that
Request for Wire Transfer
form part of the normal class of business transactions among
Letters of Credit and Bills
trading partners.
Credit card vouchers
From core document driven banking functions to straight New Customer Acquisition
through processing initiatives, eFLOW integrates paper, images Mobile Banking
and electronic data including web-based application into one Payments
enterprise platform solution.

4. TIS Business Process Solutions
Signature Verification TIS solutions comply with financial regulations and provide banks
Automated / manual verification with signature scoring with cutting edge and appealing technology to offer customers.
Verification of Digital and Wet signature TIS’s banking customers are able to recognize considerable cost
Automatic mandate update savings as document receipt and processing are fully automated
Automatic detection and cropping of signature and processed more quickly and accurately. In turn, financial
Manual cropping incase not detected automatically institutions can deliver a better banking experience to their
Verification of one or more signatures from same document customers, saving them valuable time while maintaining the high
Processing of multiple signatures in a single pass security standards they have come to expect from their bank.
Graphical user interface
Interface to backend SVS systems Digital Mailroom
We offer you a mailroom classification solution of all documents
Check Truncation Services from any format and any source. It includes an Automated
MICR reading Response Management function whereby standard queries
Validation of Legal / Courtesy amount and dates coming through on email receive an automatic, contextual
Account name vs. Account number matching response, meaning your staff can spend their time on more
Document validation complex issues.
Invoice and Lockbox Processing Purchase-to-Payment/ Invoice Processing
Time to market new client invoices reduced Our platform integrates with all ERP and financial systems,
Validation for multiple currencies ensuring accurate data enters your systems without delay. From
Supports multiple image format and image processing order to payment, processes are streamlined, and with manual
feature data entry and error resolution tasks reduced, Accounts Payable
Flexibility in handling m/c and exception handling workflow and Purchasing teams can work more efficiently.
Multilingual support
The platform has the ability to build in compliance, such as KYC,
Data hand off to core banking systems
SAM, WLC, AML and fraud detection and prevention into the
banking process and business rules being deployed.
Manual Instruction Fund Transfers
Extensible, automated and product oriented fund transfer
framework
Automated and manual instruction categorization About TIS
Integration with banking AAA and SSO security systems
Top Image Systems™ (TIS™) was founded in 1991 and is a public
Multitier business decision processing (including “tailor
company traded on NASDAQ and TASE (symbol: TISA). The
made” maker-checker scenarios)
company operates internationally with branch offices in Germany,
Multi-channel customer feedback
the UK, the U.S., Latin America, Singapore, Japan, and with local
Detailed audit trail of manual and automated operations
representatives across Europe and the Pacific Rim.
GUI integrated OCR on-the-fly support for non-structured
documents Our ECM solutions, evolved over 20 years, have been placed in 800
Out of the box superuser UI to monitor system status and enterprise-level installations in more than 40 countries. They are
activity supported by a closely-integrated network of distributors, system
Easy and seamless solution expansions for upcoming integrators and value added partners. TIS partners are leaders
products in their field, and include SAP, Oracle, IBM, Accenture, Xerox,
CACI, Kodak, Fujitsu, Williams Lea, Bosch BCC, MFM Hofmaier,
Mobile Banking Solutions Scanservice and Braintribe.
TIS’s mobile banking solutions address the banking industry’s
need to offer customers value-added services that will result in
a significant advantage in today’s competitive banking market. For more details:
Checks, utility bills and invoices are easily and securely sent to banking@topimagesystems.com
the bank for deposit or payment using a camera-equipped smart
phone. www.topimagesystems.com Top Image Systems