Copyright Comarch 2010

Comarch competence map Banking

Andrzej Nuckowski

Comarch competence map- 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- Banking

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We deliver:

Comarch competence map- Banking

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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 salesforce training and new product launch• Related products:

– Comarch Front End platform (CAFE)

– Comarch CRM – Sales Management

– Comarch Contact Center

Comarch competence map- Banking

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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- Banking

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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- Banking

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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- Banking

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Support for growingsales 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 Bussines Process

Management (BPM)

– Comarch CRM Sales Management

– Comarch Commission and Incentive

Comarch competence map- Banking

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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- Banking

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Risk measurementand 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

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Technology and IT expertise

• Related products:– Comarch Security Access Management (DRA

CO)

– 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

Andrzej.nuckowski@comarch.com