Upload
jur-ko
View
276
Download
3
Embed Size (px)
DESCRIPTION
Multi-channel retail banking self-service system. Internet banking, mobile banking, integration with backend systems of the bank and the processing center(s)
Citation preview
ONLINE BANQProduct info
Technology Partner
COMPANY PROFILE• the only Ukrainian developer, fully focused on self-service banking:
internet banking, mobile banking as primary user-facing products
• Technology Partner
• multi-platform and finance services UX, banking back-end systems, cloud computing complex integration specialist, leading mobile and web developer
• we have not only software developers, but also banking IT, product managers, mobile and web UI/UX designers, business analysts and banking systems analysts
• Online BanQ - #1 banking self-service product in Ukraine by the copies sold in 2013
CHANNEL MIX PLATFORM
Internet
Smartphone
Call-center
ЭТОМУ КЛИЕНТ УДОБНО...
Проверять остатки по счетам здесь...
Пополнять мобилку здесь...
Смотреть выписку, контролировать расходы здесь...
Открывать депозит здесь...
Получать предложения
от банка здесь...
Искать ближайший банкомат здесь...
BanQ platform
Mobile App Internet-banking POI navigator
search closest ATM here...
get offers from the bank here...
top-up your mobile here...
look up your account balances here...
check your statement, control your expenses here..
open a savings account here...
Customer Satisfaction
Online
UNIFIED CHANNELSAdvantages for the client:
• Familiar interface, unified user experience
• Channel selection freedom
Advantages for the bank:
• More points of contact with the client
• More cross-sale and up-sale opportunities
• Cost saving on multi-channel product or service implementation
• Speed of multi-channel implementation
COMPETING OR COMPLEMENTARY?
…every channel has it’s purpose
Advantages/channel
SMSSMS
interactvemobile
browser web/online mobile native tablet kioskAvailable for all client categories +++ ++ + ++ – – +++
Easy to use +++ – – – – – +++ ++ +++ ++
Affordability – – – – +++ – – +++
Mobility +++ ++ + – +++ ++ – –
Rich functionality – + ++ +++ ++ +++ – – –
Cost-efficient implementation +++ + ++ + ++ ++ ++
Bank image ++ + + ++ +++ +++ ++
Cost-efficient support – – – – ++ + + + – –
Active sales (push notifications) ++ ++ – – – – +++ +++ – –
COMPETING OR COMPLEMENTARY?
different use cases…
SMS Mobile tablet web/online kiosk
Access device mobile smartphone tablet computer street kiosk
Usage location walking walking static, home/office or public place static, home/office street
Usage situation passive situational relaxed concentrated under pressure
Usage context any time any time, in pauses, multi-tasking
accompanied, public place, multi-tasking,
multi-screen
data entry, large screen needed,
focused
busy, dispersed attention, hands are not entirely
free
Reasons of usagecontrol, urgency, simplicity
usability, urgency, speed, always online
simplicity, effortless usage, information,
entertainment
functionality, productivity, necessity
speed, accessibility, necessity
Security low low medium high low* source: Fiserv
ARCHITECTURE
Client Platforms
Feature Frameworks
P2P Modules
Cloud Platform
Core Services
Internal Bank Platrofm
Business Intelligence
Facade Business Logic
Main Business
Logic Modules
Client OpenAPI
(Thrift)
Admin API(WS)
Third-party
apps and services
SOAP Gateway
REST Gateway
Business Intelligence
Core
Campaign Management
Financial Advisory
Social Profiles
Integration Layer
UkrCard
UPC
EasyPay
B2
Scrooge
BSS
CRMsCRMs
Custom ESB
BanQ Platform Frameworks
iOS Framework
Android Framework
Windows 8 Framework
WP8 Framework
Web Framework
APIS
Client Delta POI
User Profile
Push Notifications
Management Console
Cloud Core POI Core
Integration Services
Custom
Finlocator
Finance.ua
NFC
QR
AddressPay
PayByLink
AirPay
InterPush
AppURL
EasyPass
FB Login
Gamified Savings
Apple, Google, MS Push Notifications Services
Bank ESB
Custom Third-party
services
Custom bank services
BUSINESS LOGIC MODULE
Business Logic Core
Core
Auth
Exporters
Feedback
AccountMgr
eWalletMgr
LoanBasics
LoanOp.
LoanNotific
SavingBasics
SavingOp.
SavingCreator
CardsCore
CardOp.
CardMgr
eCards
Operation Templates
Arbitrary Operations
Bill Presentments
Bill Presentments
Internal interaccount
transfers
Account-to-card
transfers
SWIFT SEP
Rules and Limitations
LoanRepayAutosavings
Autobilling
BANQ FUNCTIONALITY
Finance • My bills - bills, templates, recurring payments, integration with bill aggregators • My products - account balances,, statements, switch to payments • My transactions (+ repayment reminders Push N.) • Statements - account statements per product, transaction details • Service - block the cards, tighten limits, other risk mitigation settings • Personal Home Finance
CRM • Bank info - bank information, «Become a client» button • News - financial RSS-feeds, messages from the bank • Bank products and services (+ hot deals with Push Notification) • Currency rates, credit and deposit calculator • ATM’s, branches, consumer finance points of presence (list and map with itinerary) • Contact - phone numbers, email, Skype to contact the bank • Campaign Management - client feedback, questionnaires, personalized deals
BANQ DEVELOPMENT HISTORY
the core team has earned experience on the in-house project at Alfa-Bank Ukraine. MyAlfabank self-service system is steady Forbes top-3 in Ukraine
BANQ DEVELOPMENT HISTORY
our first mobile Finance app has been developed for the Alfa-Bank Ukraine back in 2010
BANQ DEVELOPMENT HISTORY
first CRM app implementation at Pravex Intesa
PAYMENT SYSTEMS EXPERIENCE
We have developed the first mobile app for the portmone.com bill aggregator in 2009 and gained payment systems experience early
BANQ ADVANTAGES• 100% campaign-management readiness
even without CRM integration (!!!)
• 100% channel expansion readiness adding a channel (kiosk, mobile app, game etc) won’t require additional customization: API is open and documented
• Usability – top prioritycareful rigorous usability design: we do not «draw a face» for the backend systems, we build solution for the retail client needs
• Client behaviour measurements second top priority: “measure means manage”
• Personal Home Finance new trend in the retail banking
• Lower TCO our license is unlimited at this moment, we do not charge per user or transaction yet and will never be charging for the existing customers (this is time limited offer)
OUR PROJECTS
CRM mobile at Delta Bank Ukraine
OUR PROJECTS
Finance mobile at Delta Bank Ukraine
OUR PROJECTS
tablet is not just a larger screen but also different usage environment, followed by different functionality
OUR PROJECTS
every client gets own beautiful and highly convenient interface design
OUR PROJECTS
usability - our top priority
OUR PROJECTS
Personal Home Finance is widely wanted by retail banking nowadays
OUR PROJECTS
• Every client believes in different focus for the consumer
OUR PROJECTS
not only banks but payment providers: we have developed and we’re maintaining iOS platform for EasyPay
ONLINE BANQ R&D• big data analysis: CRM deep dive, personalized marketing and cross-selling, based
on user history and habits, environment, geolocation and other statistics
• online stock market access and shares trading
• interface complexity levels for the users with different knowledge of banking products and computer skills, self-training user environment, self-tuning dashboard
• mixed information sources, presenting not just info on the specific bank, but comparison tools for the financial markets - all needed tools for the client
• user passport, deep integration with other resources, pay-by-click ecosystem, transaction stimulation tools
• offline app payments with NFC and QR Codes
• gamification
• P2P payments, seamless products
• e-wallet, milti-bank
• ATM link, in-ATM software apps, card-less ATM cash withdrawal
USER PASSPORT, PAYMENT ECOSYSTEM• Same as Google, one-
time passport login + usage passport at supporting resources.
• Using FB or Google account to login to internet banking. Using FB/Google login to access user data for CRM processing
• Pay-by-click: no need to expose client’s credit card on the Internet
• Huge cross- up-sale potential
• EOD consolidated invoice payment
GAMIFICATION• “Why is gamification a good idea for
the financial industry? Because banking sucks!” :-)
• 53% gamers aged 18-49
• 55% gamers play on smartphones (front-office of the future)
• it’s not about gambling or playing with money, it’s more about using the psychological mechanisms that make games so successful in society
GAMIFICATIONAwards Status Achiev-ts Self-
expressionCompetition Altruism
M O T I V A T O R S
Points
Levels
Challenge
Virtual goods
Scores, rates
Charity, gifts
G A
M E
M
E C
H A
N I
S M
S
Primary motivator Secondary motivators
GREAT TEAM IS READY TO WORK FOR YOU!• implementation and PRODUCTION USE experience on the
bank side we know the bank from inside, we know the issues, so we know how to avoid the roadblocks and make our projects successful
• unique competency mix: IT integrators + Banking Product Managers + UI/UX professionals • closer to the banking, then generic IT outsourcing companies • competency! we know a bit more then «web studios» in banking • local knowledge: we study the markets we work on
• the team is located in Ukraine better grip with Eastern Europe practices, nearshore, highest development quality, reasonable pricing
/deviq.com.ua @deviq http://banq.com.ua /deviquahttp://dev-iq.com !
+380(44)5877483 / +7(499)6080901+43(676)3640636
CONTACT US
Technology Partner