Where Business & Technology Converge © FANERA LTD. All rights reserved

CORE

Channel Optimization & Revenue Enhancement

www.faneratech.com

FANERA utilizes its industry expertise and works with leading technology firms to offer practical solutions with concrete financial results ; turning Physical and Electronic Banking Channels into a profitable business

CORE “Channel Optimization & Revenue Enhancement” Program

CORE Technology

Business

Operations

Marketing

MIS

ATM

Branch

online mobile

Call center

Manage Project

Monitor /report Results

Implement CORE

Business

Technology

Operations

Marketing

MIS

Design CORE

• Collect customer and transaction data

• Analyze Data

• Define priorities & quick wins

prepare CORE

Our Approach

•We prepare a business case, a financial model, and a detailed ROI analysis when CORE is used to generate incremental fees for the bank. •We agree with the bank on a measurable financial target •Every CORE implementation is accompanied by cost/benefit analysis

ATM

High Availability Low downtime

Cash Management Lower float

Up Sell

Cross Sell

Targeted Marketing

Campaign Management

Incident Management

Quick response

Fast Reconciliation Less man hours ,

higher productivity

Standard Services Interchange

Value Added Services Fees and

commission

Business Operations Marketing

Third Party Interface

MIS/CRM

Segment-based New Services

Fees

Technology

Cash Forecasting

Real/Near Real Time data repository

Reporting/ Data Analysis

tools

Campaign setup and workflow

Income Income Cost Savings Income/Cost

Savings

Online Banking

Efficient offline transaction processing

Higher customer satisfaction

STP Less man hours

Up Sell

Cross Sell

Targeted Marketing

Lead / Campaign

Management

Online/card account opening Higher migration

rate

24/7 call center support with

access to admin. module

Standard Services Fees

Value Added Services Fees and

commission

Business Operations Marketing

Third Party Interface

MIS/CRM

Corporate and SME ( Payroll, Cash

Management, A/Cs Payable )

Segment-based pricing and parameters

Income Income Cost Savings

Mobile Banking integration

Accounts payable/payroll

modules

eCommerce

Online trading integration

Technology

Income/Cost Savings

Online Brokerage

Design and implementation of MIS for stakeholders including: • Business manager • IT operations and data center • Marketing department • Service quality department • Central Operations

Design and Implementation of

Operational policies and procedures

Campaign Management

Segmentation

Data mining for targeted

Marketing

Campaign Management

Workflow for customer support -

Bank and Investment Company

Pricing Strategy

Value Added Service development &

launch

Business Operations Marketing

Third party interface BRD &

implementation

Online profitability analysis and model

Customer Activation/

Evaluation of marketing

effectiveness

Calculated Decisions

Customer Touch point Experience

Subscription in value added services and reward programs

Income Income Cost Savings

MIS/CRM

Channel Integration

Lead Management Automation

Integration with Call Center/

Branch/Sales Force Interface

Technology

Income/Cost Savings

Business Plan/Strategy

Measurement metrics

SLAs with Bank Data Mining and

customer profiling

Cross Selling with funding/lending

Mobile Banking: The 5th Channel

Reconciliation with third parties for

joint services STP

Less man hours

Up Sell

Cross Sell

Targeted Marketing

Lead / Campaign

Management

Risk Management, Fraud and AML

policies and procedures Lower costs

24/7 call center support with

access to admin. module

Standard Services Fees

Value Added Services Fees and

commission

Business Operations Marketing

Third Party Interface

MIS/CRM

Corporate and SME ( Payroll, Cash

Management, A/Cs Payable )

Virtual POS / Merchant Services

Income Income Cost Savings

Mobile Payments: What we offer

FANERA provides complete implementation services from technology and vendor selection to service launch for the following :

Shopping & Gift Cards

Cross-border Remittances

NFC Transactions

P2P Payments

Prepaid TopUp

Loyalty Bill Payments

Ticketing

Coupons

Mobile Content Mobile

Advertising Mobile Banking

New Mobile Customers New Merchants Value Added Services Co-Branding and Cross-Selling

Mobile Payments: What we offer

FANERA works with banks to turn the traditional mobile banking service into a revenue generating business through a combination of:

o Subscription Fees o Transaction Fees

o Transaction Fees o Financing for POS terminals

o mWallet o NFC o Credit Card Payment o Debit Card Payment o Bill Payment o Person-2-Person o Money Order o International Funds Transfer o Check-book Request o Ticketing o Airtime Top-up o Virtual Accounts o Prepaid o Payroll o Virtual POS Merchant

Acquiring

o With Mobile Operators and Merchants

MIS/CRM

Customer Contact Center: What we offer FANERA helps banks design and implement customer contact centers from RFP to live operations

Business Operations Marketing

HR , Operations, and Admin.

manuals Data mining for

cross selling

Lead / Campaign

Management

Design and implementation of

Workflow Management,

workforce Management

Standard Services Fees

Value Added Services Fees and

commission

Third Party Interface

SME Desk

Affluent desk

HNW RM Link Complaint

Management

Sales commission

structure Real Time

monitoring & Control

Performance Indicators

Data mining for up selling

Income Income Cost Savings

IVR/CTI

Marketing Module Lead Management

Module

Complaints Module

Workflow / Workforce

Management

Technology

Income/Cost Savings

Fulfillment Module

Integration with other channels

Back office Module

The Branch: What we offer

Review and streamline operations

Update operating manuals

Cost Savings

Data mining for Up Selling

Data mining for Cross Selling

Design and implementation

Workflow Management,

Value Added Services

Sales plan

Income

Branch Business plan

Product sales plan

Automate cash reconciliation

Design and implement

Sales commission

structure Real Time

monitoring & Control

Performance Indicators

Upgrade Front end system to provide

360 view of customer

Implementation of Instant account setup /card and

EMV card issuance

Implementation of Prepaid card instant

issuance

Income/Cost Savings

Design and implementation of Digital marketing

Design and implement

Channel migration campaigns

Optimizing the customer

experience

Business Operations Marketing Technology

Income

MIS/CRM

New account/product sales acquisition

campaigns

Channel Optimization & Revenue Enhancement

•Turn electronic channels from complementary

services to revenue generating businesses

•Save costs with streamlined and automated

operations based on best practice

•Utilize your existing customer base for higher

cross selling and up selling ratios

•Provide exceptional customer experience

CORE

Technology

Business

Operations

Marketing

MIS

ATM

Branch

online mobile

Call center

For additional details and to request an assessment : Please send an Email to chris@faneratech.com You can also reach us through our Contacts page at www.faneratech.com