Embed Size (px)
Citation preview
The FIS Digital Business Banking Roadmaps
April 13, 2017Digital Finance Product Management
Agenda
2
• Introductions
• Key Business Drivers
• Mobile Token
• Updated User Experience
• Business Mobile Roadmap
• Business Account Management (BAM)
• Business eBanking (BeB) Roadmap
• Questions
Institutions are challenged with:
• Protecting customers from the
emerging threat landscape
• Providing tailored, personalized experiences
• Delivering on expectations for real-time
• Creating data-driven connections and
value across converged channels
• Driving new revenue streams
• Increasing engagement and loyalty
Expectations are rising
The Competitive
Landscape Is Changing
3
Drive Innovation and Expand Digital Capabilities
Grow Sales and Increase Engagement
Enhance Security and Reduce Fraud
Expand Real-time Offerings
Enable Data-driven Marketing and Analytics
Create Operational Efficiencies
Our VisionProvide industry-leading digital solutions that keep our clients
competitive and relevant with the top financial institutions
4
FIS Digital Drives Growth
102%CARDLESS CASH
136%PEOPLE PAY (P2P)
28%CHECK DEPOSIT
80M+DIGITAL USERS*
Annual Growth
*Includes Mobile, Online and ePayments Clients (Q3 2016)
5
Mobile Tokens
Mobile Token Use – RSA Phone Experience
7
Mobile Token Activation – RSA
1. Download app, select mobile operating system, and
enter device ID
• The user is instructed to download the RSA SecurID mobile
app. Once opened, the application presents the user’s unique
24-character device ID.
• The user selects their mobile device’s operating system and
enters the device ID to continue.
2. Scan QR code
• The user scans the QR code using the
RSA SecurID mobile app.
8
Mobile Token Activation – RSA (continued)
9
4. Passcode validation
• The user validates their passcode
and continues to the BeB welcome
page upon successful activation.
3. Set up PIN
• The user establishes a unique PIN.
Business eBanking (BeB) Updated User Experience
Updated User Experience
11
Phased delivery
(Concept Prototype)
Navigation
12
(Concept Prototype)
Current BeB
New BeB
Business Mobile Banking
Single Digital Finance Experience
– Business Mobile Approvals
– Business Mobile Positive Pay
– Company ID Refactor (v3.5)
– Out of Band Authentication at Logon (v3.5)
– Business Mobile v4.1 (Pilot)
2016 year in review
14
Top of mind issues for corporate treasurers (269 surveyed) and bank service providers (515 surveyed)
Source: AFP 2016 Outlook
64% 64% 62%Education, increased pressure
on investments in securityComplex sales, demand for
higher end solutions; integration
Changing user expectations
and experience
Understanding and mitigating
cybersecurity/cyber risks, etc.
Implementation of New
Technology
Talent Acquisition and
Development
Changing User Expectations in Competitive Market
15
Changing Workforce in Corporate Finance and Treasury
Employment of financial managers is projected to grow 7 percentfrom 2014 to 2024, about as fast as the average for all occupations
Employment of accountants and auditors is projected to grow 11percent from 2014 to 2024, faster than the average for alloccupations.
U.S. Bureau Labor of Statistics
When asked which technologies they would like to seeemployers incorporate into their organizations, Millennial andGen Z respondents said social media (41.4%), wearables(26.5%), virtual reality (26.1%), and robotics (20%).
Forbes, September 13,2016
16
Q1 2017
FIS Digital Solutions
• Hero images
– Highlight your brand
– Express a mood or tell a story
• Walk-throughs
– Users will be introduced to 4.1’s navigation and accounts
• Locations
– Locations search automatically populates the map using the customer’s locations
• Faster performance through quicker functioning that provides greater ease-of-use
• Positive user experience drives engagementand builds customer loyalty
17
Planned projects – Q2 2017
FIS Digital Solutions
• Business Mobile
– Transaction OOBA Approvals (pilot)
– Large # of accounts (pilot)
– App Store feedback (pilot)
– Bill Payment manage payees (pilot)
Note: Some features listed are future candidates 18
• Business Mobile
– Touch ID for Apple & Android (pilot)
– Digital Marketing Platform (pilot)
Hero Image Self-Service Tool
Walkthrough
19
Candidate projects – Q3 2017
FIS Digital Solutions
• Business Mobile
- Business calculators (pilot)
- Batch Approvals (pilot)
- Digital Receipts (pilot)
- Digital Marketing Platform (pilot)
- mPromote
20
Candidate projects – Q4 2017
FIS Digital Solutions
Digital Finance Business User Experience
21
• Initiate and Manage Payments
• Notifications and Push Alerts
• User and Admin Self-Service
Client Input driving roadmap forward
22
Business Account Management (BAM)
Overview
Business Account Management
24
• For deposit accounts and DESA accounts, BAM will allow existing online banking customers to
– Open and fund
– Maintain
– Close
• The FI can determine the types of deposit accounts their customers can open online
• The FI can determine the type of activity requests that can performed by account type
• Account management interfaces with the core deposit system to present the product types and
agreements available for configuration
Bank options
Business Account Management
25
User experience
Business Account Management
26
Business eBanking 2017 Roadmap
Completed Projects
28
• ACH Prenote effective date
• Large statement
– Make performance improvements to allow for customers
with 100+ accounts have access list most recent
statement by account type
• DirectLink Merchant SSO (pilot)
– General availability expected in Q2 2017
Q1 2017
Scheduled Projects
29
• Business Account Management
– General availability
• DirectLink Merchant SSO
– General availability
• Soft/mobile tokens Vasco (Pilot)
• ACBS Weblink SSO (Pilot)
• Multi ABA support (AKA controlled disbursement improvements)
• DAT user ID improvements – non-email addresses user ID support
• Multi transfer improvements
– Update the user experience to NOT allow for the creation of a transfer with more than 19 transfers
• Q2 2017
Q2 2017
• Same Day ACH External Transfers
• MKE ACH – ACH reporting NOC compliance
enhancement
• ARPPA improvements
– Allow approver to see the details of the positive pay
issue file before approving
– Payee Positive Pay software upgrade
– Payee Positive Pay desktop check analyzer tool support
Planned Projects
30
• ACBS Weblink SSO (general availability)
• Soft/mobile tokens Vasco© (general
availability) & RSA© (pilot)
• ImageCentre Remittance Lockbox SSO (pilot)
• Same Day ACH phase 2
– Debit support
– ACH Positive Pay for MKE ACH
• ARPPA improvements
– Enhance the “reversal & post” function in BST to
prompt user that a correction cannot be made when a
check cannot be reversed due to statement cycle.
• Deposit Escrow Reporting improvements
– Allow for viewing of entire master structure (all Master
ID’s and all sub’s)
– Allow for the configuration and display of multiple
account summary fields (Total # & $ Debits, Total # & $
Credits and Ledger Balance)
• “Print all” statement feature
• Wire improvements
– Set default page views for approve wires
– Sequential wire confirmation numbers
Q4 2017
Roadmaps
31
• Roadmaps are updated quarterly and can be found on the client portal
https://clientsupport.fisglobal.com/Account/LogOn
• BeB path
– Product Information>Product Management>Business eBanking>Product Roadmaps
• Business Mobile path
– Product Information>Documentation>FIS Mobile Banking Services>FIS Mobile Banking Roadmap Documentation
©2017 FIS and/or its subsidiaries. All Rights Reserved. FIS confidential and proprietary information.
