an Axxiome Group company.

Mobile Solutions for Customers and Employees of Financial Institutions

Axxiome Group offers a wide range of consulting services for the financial industry. We specialize in the areas of Core Banking, Core Insurance, and Corporate Treasury systems with a strong focus on SAP products.

2InnovateIT specializes in the development of financial software to complement the capabilities of legacy systems, focusing on functional areas around the core banking, such as: Payment Systems, BackOffice & Teller Front-End Systems, Loan Origination Systems, Mobile Solutions and Business Intelligence.

Axxiome Group

Office

Brazil

Axxiome Dtl. GmbH

Germany

Axxiome UK Ltd.

UK

Axxiome AG

Switzerland

Office

Mexico

Axxiome Canada Ltd.

Canada

Axxiome Americas Inc

USA

Axxiome Colombia SAS

Colombia

Axxiome Polska Sp. z o.o.

Poland

Axxiome Uruguay SA 2innovate IT

UruguayOffice

Argentina

Global Presence

Software FactorySoftware Factory

Software Factory

Banking Insurance Corporates

SAP Consulting Services ● ● ●

SAP Technology Services ● ● ●

Software Products ● ●

Application Support ● ●

Good Partnership

with SW Vendors and

Services Providers

Strong focus on financial institutions.

Consulting and Development:

Payment Systems.

BackOffice & Teller Front-End Systems.

Phone & Web Channels, integration – EAI.

Loan Origination Systems.

Business Intelligence.

Mobile Solutions for Customers and Employees.

2innovate IT - Services

What does mobility mean for the financial world ?

Why is mobile banking a good business ?

Enables banks to deliver existing services via mobile phones, so customers can access to their accounts anytime, anywhere.

Reduces cost of customer service delivery over more expensive channels, such as call center, branch personnel and ATMs.

Improves security by adding another security layer (customers use the or a message as an alternative to the one-time Personal Identification Number generator or tokens).

Enhances marketing opportunities by introducing more immediate and personalized communication over mobile phones.

What does mobility mean for financial institutions ?

A cost efficient channel for low value transactions.

Integration of unbanked population through their mobile transactions. Getting into areas of business where they are not present yet (remittances,

payment of utilities, payment of taxes and services) by using the mobile channel.

Accelerated banking business by mobilizing workflows and business data. Support of field activities, such as sales and operations and decision support

at all levels.

Improved customer loyalty. Improved customer service at the branches.

Increased transaction volumes through remote (mobile) channels. Reduced time cycle of the banking processes. For example: loan origination,

blocking of a credit card, credit card limit increase.

Mobile Offer for Customers & Employees

an Axxiome Group company.

M-Banking4 Employees

Consulting services and strategies to mobilize the bank. Experts on the financial business and on technologies aimed at increasing profitability with mobile solutions.

Tailored made development and deployment of mobile solutions on Sybase Unwired Platform & Afaria (MADP & MDM). Software factories in Uruguay, Argentina and Poland. On site architects and functional analyst.

Integration of Sybase 365 with any core banking.

Customization and deployment using Sybase 365. Mobile solutions for customers and corporate banking.

Maintenance and support 7x24.

Service Offer - Mobility for Financial Institutions.

Mobile for CUSTOMERS

Sybase. Mobile for mCommerce 365 is a suite of mobile services that enables Retail and Corporate customers to access and operate their accounts, anywhere and anytime.

mBanking 365 – Mobile Banking Customers.

mPayment 365 – Mobile Payments. mRemmitance 365 – Mobile

Remmitances.

Product Offer - Mobility for Financial Institutions.

MOBILE for Employees

Axxiome. M-Banking4E is a mobile banking app for employees aimed at supporting activities of account officers, sales force staff and decision makers of the bank enabling them to work anywhere and anytime.

Origination process for the Sales Force.

Specialized dashboards for the CEO, COO, CFO and CTO.

Foreign Trade.

MOBILE for Employees Mobile for CUSTOMERS

M-Banking4 Employees

List of assigned customers. Loan Origination Process (Loans, Credit Cards). List of products clients do NOT have and may be offered. Query on the customer’s Total Commitment. Customer Data, Contact Data, View on Map. Interest rates per product and currency exchange rates. Alerts on accounts receivable to call. Alerts on renewals of fixed term deposits. Requests/Response for approvals. (overdraft check, etc). ..............................

Sales Force Empowerment Key Functions

Executive Dashboard with a Real Time overview of the health of the organization.

Dashboards for the CEO, CFO, COO and CTO. Approval and authorization request capabilities. Notifications about relevant events that affect the company

so as to react in real time to dynamic business conditions. Alerts.

…………………………………

Executive DashboardsKey Functions

Mobile for Employees – M-Banking4E.

Execs

Line of BusinessManagers

Task & Business UsersCRM

Scheduling& Dispatch

Hours &Expenses

Field Services

Workflows& Business Processes

CalendarsApproval Requests

Enterprise Mobility Use...Today!

Mob

ile E

nter

pris

e Ap

plic

ation

Pla

tfor

m

Contacts

DashboardsEmail

Implementing mCommerce 365

Mobile for Customers

mBanking 365 mPayments 365 mRemmitances 365

Mobile for Customers.

Growth Drivers

• Competitive Pressure• Banks focused on

Transformation and a Customer-centered approach

• Legacy infrastructure being replaced

• Channel focus• Smartphone/Tablet boom• Card Usage Encouragement

– Take advantage of the mobile phone to extend loyalty programs by driving targeted campaigns to promote card usage

• Potential to promote brands and unify silos in one application – Insurance, Banking, Mortgage for ex.

• Competitive Pressure• Phone penetration• Consumer convenience• mCommerce growth• Demand for cash

alternatives in emerging markets

• MNOs seek higher ARPU• Government Support and

encouragement for financial inclusion programs

• Opportunity to get a piece of the P2P and Intl. Remittance pie due to high cost of alternative providers like WU

• Cost of acquiring new customers and opening branches

• Government’s pressure to extend financial services to under-banked/unbanked population

• Competitive pressure• Mobile as the only access

channel to Internet• Government ‘s search to

lower disbursement program costs and prevent corruption

• Deposit and account openings

Mobile Banking Mobile Payments Mobile Money

EVOLUTION OF REQUIREMENTS

Offer – mCommerce 365

Cost Savings

• End User• Account balances• Transactional history• Account details • Card management• PIN management• Complaints management• Notifications/alerts• User preferences such as

languages or limits

• Back-office functions• Reports, etc.

Mobile Banking

New Services

End User- AirTime TopUp- P2P, Bill Payment, Intl.- Remittance,- Merchant Payment

Agents- KYC details/collections- Cash In/Cash Out

Merchant- Merchant portal , fee tracking,- Merchant onboarding

Back-office- Settlement, Clearing, Fee

distributionCustomer Support

Blocking, activating, reversals

Mobile Payments

New Value

End UserBalance, Statement, Bill PaymentTransfer, Cash In/Cash OutMerchant Payment, Micropayments, Loan Repayments

AgentsKYC details/collectionCash In/Cash Out

MerchantMerchant portal Merchant reports , fee tracking

Back-officeGL, Settlement, Clearing, Interest rate calculation, Bulk Payments

Customer SupportBlocking, enabling, reversals

mRemittanceMobile Money

Offer – mCommerce 365

We are an innovative company with more than 200 years of experience in the banking business. We have been working with our minds set on the year 2020 banking style.

We have a strong vertical focus on the financial industry, implementing SAP for Banking, Sybase and our own products (4x4 Transaction Broker) certified by SAP & SWIFT. The best tools to build solutions for the financial industry.

We have mature and cost efficient software factories located in Uruguay, Argentina and Poland.

We are a strategic global partner of SAP for Banking and Insurance Services. We have certified consultants in BAS & Mobile Solutions.

We have a big team of consultants around the world specialized in all areas of the banking business. More than 300 consultants working in the most complex projects and implementing Core Banking, Core Insurance and Payment Solutions for the most demanding customers, Banks & Insurances Companies.

Why Axxiome / 2 innovate IT ?

INFORMATIONMANAGEMENT

Any Application

Any Server Platform

Any Data

INFORMATIONMOBILITY

Always Available

Any Person

Any Device

INTEGRATION COLLABORATION

DECISION-READYINFORMATION

ANALYZEMANAGE MOBILIZE

We share SYBASE’S vision of unwired enterprises

Thanks for your time!!!

Questions ?

ivan.kechichian@2innovateIT.comivan.kechichian@axxiome.com