Copyright Comarch 2010

Comarch competence map

Banking

Jakub Lewandowski

Managing Director

Comarch competence map for Banking

2 Copyright Comarch 2010

Comarch overview

• International software house and IT

service provider

• 16 years of experience

• End-to-end products and services

for banking and other financial

institutions

• Strong focus on front-end solutions

• Extensive investments in R&D: 15%

of revenue

Comarch competence map for Banking

3 Copyright Comarch 2010

We deliver

Comarch competence map for Banking

4 Copyright Comarch 2010

We deliver

Comarch competence map for Banking

5 Copyright Comarch 2010

We deliver

Comarch competence map for Banking

6 Copyright Comarch 2010

We deliver

Comarch competence map for Banking

7 Copyright Comarch 2010

Focus on the front-end

• The challenge:

– Customers are better informed

and require more knowledge from

advisors

– Product offer gets more and more

complex

– Customer data is fragmented in

numerous legacy systems that

have separate front-end

applications

– Traditional front-end technology

means high maintenance cost

• The opportunity:

– Customer data presentation and

management get integrated in a

single, web-based application

– Advisors and tellers need less

time and effort to perform most

common operations

– Modern technology reduces the

maintenance cost and guarantees

a future-friendly framework

– Customer service scripts and

intranet knowledge base speed up

sales force training and new

product launch• Related products:

– Comarch Contact Center

– Comarch CRM Sales Management

– Comarch Front End platform (CAFE)

Comarch competence map for Banking

8 Copyright Comarch 2010

Best-of-breed self service

• The challenge:

– Customers demand constant

progress in functionality and

technology

– Usability often lags behind

functionality - rendering standard

systems difficult to use for people

without computer expertise

– Traditional internet banking

services work poorly on most of

modern mobile devices

• The opportunity:

– All products including loans,

investments and trade finance in a

single Financial Portal

– Broad base of banks drives the

constant progress in functionality

and ease-of-use

– Best technology gives more

freedom and integration capability

– Mobile channel can work

independently or be integrated

with a „full” version

• Related products:– Comarch Internet Banking

– Comarch Internet Investments

– Comarch Contact Center

– Comarch Mobile Banking

– Comarch Mobile Investments

– Comarch NOL

Comarch competence map for Banking

9 Copyright Comarch 2010

Business processes

re-defined

• The challenge:

– Most of BPM implementations are

business-area specific

– Separate „inboxes” generate risk

of overlooking an item

– Lack of flexibility and integration

capabilities leads to most of BPM

implementation failures

– Loan origination is usually

separated from the active contract

monitoring

• The opportunity:

– Integrated „inbox” for all workflow

based tasks

– The complete credit process

management from the loan

origination to debt management

defined in a single tool

– Independence from a workflow

engine allows bank to develop the

system in unlimited directions

– Document imaging accelerates

the workflow while paper originals

are kept in a safe, certified archive

• Related products:– Comarch Business Process Management

– Comarch Credit Process Management

– Comarch Document Management System

– Comarch Scoring Engine

– Comarch Debt Management

Comarch competence map for Banking

10 Copyright Comarch 2010

Knowledge-based marketing

• The challenge:

– Marketing campaigns span more

media types then ever - new ones

emerging every year

– Cost-effective marketing requires

precise planning and monitoring

difficult in real time

– Average bank customer loyalty

decreases as the remote access

gains popularity

• The opportunity:

– Precisely targeted marketing

campaigns and product offer

based on analytical tools

– Churn lowered with properly

packaged products and services,

dynamic pricing and monitoring of

the customer behavior

– Tracking all campaigns from an

idea to effectiveness analysis

– Designing and executing loyalty

programs

• Related products:– Comarch aCRM

– Comarch Business Intelligence

– Comarch CRM Campaign Management

– Comarch Loyalty Management

– Comarch Content Management System

(CMS)

Comarch competence map for Banking

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Support for growing

sales network

• The challenge:

– Sales data is delayed and often

too late to react

– Various customer segments

require various service models

– Commission systems that use

spreadsheets or simple databases

may not cope with the complex

sales environment

• The opportunity:

– Sales planning and monitoring in

a single centralized tool

– Current sales record visible to

advisors and managers

– External sales networks managed

centrally

– Most complex commission

policies calculations automated

with the web access to invoices

and historical data

• Related products:– Comarch Business Process Management

(BPM)

– Comarch CRM Sales Management

– Comarch Commission and Incentive

Comarch competence map for Banking

12 Copyright Comarch 2010

Corporate customers

• The challenge:

– Transactional banking becomes a

key competitive business area

– Trade finance and factoring may

be difficult to automate fully

– Best execution and low latency

requirements enforce the shorter

time lag between trade and

settlement

– UCITS IV and depositary EU pass

• The opportunity:

– Products, services and processes

integrated within transactional

banking

– Trade finance automation with the

comprehensive document

management

– Multi-currency, multi-asset and

multi-custody solution for

domestic and foreign clients

based on the unified account

approach

– Acceleration of the STP power

including pre-trade, trade and

post-trade activities (SWIFT, FIX)

– Comprehensive fund servicing

• Related products:– Comarch Custody

– Comarch Depositary

– Comarch Factoring

– Comarch Document Management System

Comarch competence map for Banking

13 Copyright Comarch 2010

Risk measurement

and compliance

• The challenge:

– Markets are more volatile while

instruments get more

sophisticated

– New risk and compliance

regulations coming soon

– Customers become ready to buy

complex instruments instead of

selling them

– Not enough focus on the middle-

office generates too much risk

• The opportunity:

– Fully automated deal routing

between a customer, dealer and

risk controller

– Comprehensive valuation and risk

assessment for all treasury

operations

– All (instruments)-in-one what-if

and stress-testing to keep the risk

limits safe

• Related products:– Comarch Deal Management

– Comarch Risk Management

Comarch competence map for Banking

14 Copyright Comarch 2010

Technology and IT expertise

• Related products:– Comarch Security Access Management

(DRACO)

– Comarch PKI

– Comarch SmartCard

– Comarch ESB

– Outsourcing services

– Comarch T-Pro

• The challenge:

– Numerous applications (on

average 200 systems run in each

bank) use different user catalogs

and access management tools

– Internet banking users are

vulnerable to hacker attacks

– Changing market conditions mean

variable demand for the IT staff

• The opportunity:

– Centralized user management

meeting the highest industry

standards

– State-of-the-art payment

authorization with one-time SMS

codes

– Additional security to prevent e.g.

man-in-the-browser attacks

– Lower IT infrastructure costs

– Additional, highly skilled workforce

with a broad range of IT skills

Copyright Comarch 2010

Thank you

finance@comarch.com