From our point of view, we believe that the Offered Solution will have three component: -

1) Core Solutions or Offering

2) User Interface
3) Security and Authentication

Core Solution is more to do about what inputs we seek from customers and what outputs and
suggestion can be offered.

User Interface is more about how that Input will be taken and Output will be displayed to the
Customer. For example, Voice Command, Written Command, Gestures etc.

Core Solution: -

We want a Wealth Management Solution coupled with eased banking solution. We believe that it
is important to collect data regarding transaction patterns from Bank Accounts to get idea of cash
inflows and outflows. But we also want to know some planned investment by the customer in future
to better provide financial advice. Some of the common investment include House, Cars, Education
and Marriage.

Our Solution involves: -

1) Link all Bank Accounts of the Customer- Analyse this data to form a spending pattern,
Income and Savings, Credit Score.
2) Ask for planned future expenditure like Home Buying, Cars etc.- to better predict
expenditure.
3) On the basis of above data App will plan future expenditure and Suggest for various
customized investment instruments- Clare.ai, Creditmantri.com
4) App will also suggest for loan instrument based on your credit score and may be bank can
also link rates to credit score- Clare.ai, Creditmantri.com
5) App can suggest for Houses based on affordability and Houses available on various online
platform- HouseUp
6) All these suggestions take care of your future planned investment and your risk apetite.
7) Customer today can do almost every core banking transaction online even Demand Draft
can be made Online. We are offering for Digital Cheque- SnapCheck

Now The Customer Interface:-

1) Voice Based Command for execution- Fluid AI, Speaking Bank

2) Gesture Based interactive panel- Can Recognize you and trace your movement and voice
instruction for Command- Fluid AI
3) Normal Written Instruction where you click on App or write Question- Creditmantri

Security

1) Voice Biometric- Clare.ai

2) Dedicated Device from bank used to generate OTP that will be validated for access
3) OTP based double authentication as present scenario