Finacle from Infosys

Solution Offerings - An Overview

Introduction to Finacle
Partners with banks to power-up their innovation agenda, enabling them to:
Differentiate their products and service Enhance customer experience Achieve greater operational efficiency

Addresses core banking, wealth management, CRM, Islamic banking and treasury requirements of retail, corporate and universal banks worldwide.

Empowers banks in over 131 banks across 65 countries with multiple sales, service and
marketing channels including e-banking, mobile banking and call centers.

Strong innovation-facilitator
Accelerates growth; maximizing value from business transformation

Finacle Solutions and Services

Finacle Core Banking

A comprehensive, integrated yet modular business solution that effectively addresses the strategic and day-to-day challenges faced by banks Highly parameterizable, provides that much-needed flexibility to innovate and adapt to a dynamic environment

Key Modules

Enterprise Customer Information Consumer Banking Wealth Management Corporate Banking Trade Finance

Islamic Banking Functional Services Reusable Business Components Accounting Backbone Infrastructure

Business Benefits

Differentiated product spread by leveraging Finacles product bundling capabilities Agile operations ensuring lesser vendor dependency and faster adaptability to changing

environment
Unified view of customer across solutions enabling robust cross-sell framework Increased operational efficiencies and productivity

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Finacle CRM
A modular, multilingual, web-based customer-centric application that enables banks to leverage ready-to-deploy CRM functionality for competitive differentiation Integrated with Finacle core banking solution, the solution offers end-to-end functionality to effectively address the needs of the complete cycle of marketing, sales and service for banking products

Key Modules

Enterprise Customer Information File (CIF) Loan origination Sales

Service Call center Marketing

Business Benefits

Aggressive customer acquisition through multi-channel and multi-wave campaigns Improved cross-sell framework by leveraging a unified 360 view of the customer

Increased operational efficiencies enabled by Straight Through Processing(STP)

Higher collaboration by leveraging the multilingual web-based single repository of information Lower Total Cost of Ownership (TCO) Click here for details

Finacle Consumer e-Banking

A proven online solution for retail banking customers Provides a single unified view of the customer's many relationships with the bank and high flexibility

for customization and robust security features

Key Modules

Account Information and Transaction Reporting Payments and Transfers Credit Card and Mutual Fund Modules

Online Financial Management Security Features Alerts Management

Electronic Bill Payment and Presentment (EBPP) Module

Business Benefits

Improved cross-sell framework Provides banks tremendous flexibility to extend product portfolio and customize solution

according to requirements, thereby enhances agility and helping to identify new opportunities
and roll out new products Robust security Enhanced customer delight Click here for details

Finacle Corporate e-Banking

A comprehensive, corporate and small business banking solution providing a single unified view of corporate banking relationships across asset and liability products, limits, trade finance and cash management Can be interfaced with disparate host systems and third-party applications

Key Modules

Accounts Information and Transaction Reporting Electronic Invoice Presentment & Payment (EIPP) Payments and Transfers Financial Instruments Management Collections Management

Cash/ Liquidity Management Reconciliation Reporting Trade Finance Financial Supply Chain Management and Trade Finance Alerts Management

Business Benefits

Aggregated cross border service through a comprehensive facility to view critical information and monitor transactions across geographies through a single interface

Higher business agility which helps banks identify new opportunities and roll out new products

Robust security framework Lower total cost of ownership Enhanced customer delight Click here for details

Finacle Islamic Banking

An integrated and comprehensive approach for banks to define and present Shariah-compliant products to customers Strong product definition features, support for Islamic accounting and complete traceability for audit

differentiate the solution

Accounting backbone to support back office functionalities and provides Straight Through Processing (STP) capabilities on a SOA platform

Key Modules

Islamic Asset Products Mudarabah Pool Management and Profit Sharing

Islamic Liability Products Hijri Calendar

Business Benefits

A flexible and varied feature repertoire for banks to design and deploy products for varying market segments

Lowered Total Cost of Ownership (TCO), proven scalability and robust performance for both conventional and Islamic banking

Greater process efficiency Click here for details

Finacle Mobile Banking

Empowers retail and corporate banking customers with access to banking services through SMS, GPRS/ 3G and USSD-enabled handsets, leveraging a single platform Provides a secure, multilingual channel for banks to innovate by easily deploying new services with

improved time to market

The ubiquity of the platform adequately addresses the challenges of encryption, communication, synchronization, image resizing, downloading and security

Key Modules

Customer On-boarding Mobile Banking and Payments Mobile Financial Management

Value Added Services Alerts Security

Business Benefits

Greater customer convenience and enhanced customer delight A robust integration framework which leads to reduced turnaround time

Leverages Infosys mConnect to provide a context-agnostic view to the transaction server

and include various customer segments

Reduced integration costs by leveraging common interface messages, maintenance and deployment costs

Extensive application security features

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Finacle Treasury
An integrated yet modular front, middle and back office solution built on best-of-breed open technology platforms, providing high scalability, flexibility and STP capability Supports a wide range of financial products and their derivatives in foreign exchange, money markets

and securities.
Provides full back office processing capabilities, including General Ledger, and has extensive middle office features such as limits, risk and liquidity management

Key Modules Business Benefits

Cross Asset Support Front Office Modules

Middle Office Modules Back Office Modules

Comprehensive 24x7 solution to address corporate clients needs for sophisticated functionalities

Full STP for all supported instruments and a powerful integration framework ensures higher

operational efficiency
Lower total cost of ownership

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Finacle Wealth Management

A modular, fully scalable, integrated core banking and investment management system designed for the specific needs of retail and private banks Offers a unique combination of an extensive portfolio of functions with impressive flexibility

Enables end-to-end processing of investment products from diverse asset classes

Key Modules

Structured Products Mutual Funds

Equities Insurance

Business Benefits

Leverage the HNWI opportunity for cross-selling and fee-based personalized advice Flexibility to tailor solutions and create new product flavors and addition of innovative functionalities and features enables banks to easily enhance their product portfolio

Higher operational efficiency by leveraging complete Straight Through Processing (STP)

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Finacle Alerts
Empowers banks with the capability to alert end users, corporate and retail, about events recorded by the banks diverse business systems Built on new-generation industry standard technologies, the solution provides multi-channel and

multilingual support
Provides alert categories, group alerts for the banks internal users as well
Configurable Business Rules Multi-channel delivery including push and pull type channels Configurable alerts framework allowing easy rollout of new alerts Multilingual-enabled Facility to capture usage data for billing purposes Capability to extend alerts to any thirdparty system, through configurations

Key Features

Business Benefits

Reduced dependencies on branch or call-center directly leading to cost savings for the bank Increased process efficiencies and collaboration through automation Enhanced customer delight

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Finacle Analyz
Provides holistic customer analytics for banks, through both insightful business reports and rigorous statistical models Enables the business to cross-leverage analytic output, resulting in institutionalization of customer

relationships and differentiation of service experience

Flexibility to pick and choose specific customer analytic functions relevant to the business, across the customer life-cycle stages of acquisition, development and retention

Key Modules

Campaign Management Cross-sell and Product Holding Analysis Customer Profitability and Lifetime Value Analysis

Attrition and Loyalty Analysis Transaction Behavior Analysis Service Request Analysis

Business Benefits

Robust framework for customer acquisition, development and retention Enhanced customer value through analytical insights that facilitate effective cross-sell and upsell and improved stickiness

Reduced time to market by leveraging predefined data mapping, extraction programs and data aggregation outputs

Low total cost of ownership Click here for details

Finacle Customer eXPerience

Real-time Intelligent, Conversation and interaction management Engine (RICE) to add conversational tacit intelligence to customer interactions, in real-time Functions as a relevance-based system, displaying key offers applicable for the customer Factors new information in real-time, adjusts to prompts and intelligently participates in customer interactions, simulating real human conversation Assimilates structured, unstructured, real-time and offline data, through multiple channels and interactions

Key Modules

Real-time Intelligent, Conversation and interaction management Engine (RICE) Advisor Relationship Manager One View

Operations Manager IntelliQ Internet Agent

Business Benefits

Robust cross-sell framework which effectively sustains true relationship banking

Greater service efficiency

'Business class customer experience

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Finacle Finanz Tools

Simple-to-use financial calculators, simulators and modelers that engages banks customers through personalized product illustrations Enables easy-to-understand rendering of complex concepts, by presenting overall product pictures to the customer, without compromising on the details Bank can mix and match the range of tools, embed these directly into any or all of the sales channels, and use them as online marketing tools for simulation, comparison, illustration, goal seeking and guidance

Key Modules

Lending Loan Repayment Calculator Deposits Savings Deposit Calculator

Credit Card Payoff Wealth Creation Retirement Plan Checker Insurance

Credit Cards

Business Benefits

Shortens prospect-to-customer conversion cycle Sustained cross-sell framework for banks to aggressively explore opportunities Localization capability, including multilingual and multi-currency support, empowers banks to drive the innovation agenda, across their multi-country operations

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Finacle Direct Banking

A comprehensive solution to directly acquire, track and service customers, through the Internet, mobile or call center channels, in the complete absence of a brick and mortar infrastructure Provides an end-to-end platform that supports the full-fledged delivery of a comprehensive range of assets and liabilities solutions Interfaced with a powerful online sales enabler infrastructure, to drive customer e-acquisition and extend the branchless banks outreach Pre-configured parameters and support for multilingual call-center operations, rapid multi-entity
Online Customer Acquisition Online Service Fulfillment Rapid business roll-out by leveraging pre-configured processes and support for right-sourcing of complete operational logistics Aggressive customer acquisition and improved cross-sell framework Maximizes service efficiencies and cost rationalization, facilitates reduction in service distribution and transaction costs Robust security features Enhances customer delight Click here for details Business Process Outsourcing Services

Key Modules Business Benefits

Finacle Advizor
Enables banks to deliver products and services through a fully assisted self service channel that capitalizes on the organizations existing Internet banking capability The solution brings to the self-service channel the comfort of human intervention through triple play entailing video, audio and data communication along with co-browsing Provides banking customers real-time access to their relationships with the bank
Customer Interface Advisor Interface Co-browsing Advisor Performance Management

Key Modules

Audio/ Video Support

Business Benefits

Self-service capabilities empower customers to access comprehensive banking services in a completely secure environment

The additional comfort of human intervention, through video, audio and data communication,

creates a truly satisfactory customer experience

Robust inclusivity framework extends the reach of banks services to various customer segments, including under-banked and unbanked communities Lowers operating costs by leveraging existing Internet banking solution Click here for details

Finacle Inclusion
Enables banks to gainfully serve the under-banked and unbanked with relevant products and services, with optimal operational efficiency Supports customer on-boarding using smart-cards and smart applications, delivery through channels ranging from laptops to specialized hand-held devices, fingerprinting-based biometric authentication By leveraging business correspondent network the banks field staff can support customer registrations, cash transactions and service both inquiries and requests

Key Modules

Core Functionality Smart Card Management Remittance and Payment Funds Transfers and POS Transactions Security

Administration Request Management Reports Charge Engine Self-service

Business Benefits

Cost-effective business engine to access to a new customer segment and enhance customer experience

Ease of operation through spot-registrations and customer on-boarding in online and offline mode Robust security features like fingerprint-based biometric authentication, URL encryption, referral URL check and session management

Reduced integration by leveraging common interface messages, maintenance and deployment costs, translating to significant cost savings Click here for details

Finacle WatchWiz
A comprehensive new generation monitoring solution that effectively delivers integrated 24X7 monitoring and management services for Finacle and its extended infrastructure Rendering a holistic glass box view of Finacle, it empowers banks to proactively monitor and analyze

health parameters, including critical application data, Finacle user data, Finacle transaction data,
Finacle services data, Database, among others Assists in root cause analysis of issues, establishes health parameter correlations and monitors configuration changes

Key Modules

Extensibility Framework (J2EE) Agent-less Monitoring Performance Data Analysis Diagnostics Customizable Dashboards

Deployment View Error Log Monitoring Configuration Monitoring Alerts

Business Benefits

Improved productivity by leveraging out-of-the-box data correlation which directly reduces

manual effort for root cause analysis

Increased ROI is a direct result of the reduced downtimes on mission critical modules and complete automation of Finacle solutions monitoring Improved customer services Click here for details

Finacle Operational Data Store

Empowers banks with a secure and reliable technology infrastructure to derive optimal value from data, and meet a whole range of operational, business and strategic objectives

Meets banks demand for business analytics, with format and feature-rich reports that can be
extensively customized

Provides decision makers an anytime-anywhere unified view of the banks structured operational data
Application data dictionary Error and audit management Extraction, Transformation and Load (ETL) facilities Standardized business data model Standardized business data model Row level security feature Reports and Extracts Data Model Structure

Key Offerings

Business Benefits

Streamlining data dissemination processes increases business agility Improved performance by managing operational data and relieving OLTP and other transactional systems at the bank off the load

Data fidelity for improved strategy Lower total cost of ownership Click here for details

Thank You

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