FinQLOUD: Digital Banking Platform
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Transcript of FinQLOUD: Digital Banking Platform
Technology Partner
Digital Banking Platform
FinQloud
Moving bank IT from cost-reduction towards revenue
generation
FinQloudFintech Cloud as Banking Platform
BANQMultichannel Self-service
QOREe-Money Processing & Wallet
QOntactlessQR, NFC, Bluetooth LE
QommunicatePersonalized Messaging
WO
RQ
FLO
WB
PM
En
Qo
ura
ge
Fron
t O
ffic
e as
Ass
iste
d Se
lf-
serv
ice
NA
VIQ
GeoPO
I & In
formation
System
An
aly
tiq
Big D
ata &
Bu
siness In
telligence
Digital Banking Platform
● Multi-channel self-service (mobile, web, kiosk, sms/ussd)● Family & small-business banking:
merging corporate and personal banking experience● Next-generation bank front systems:
“Assisted self-service” in bank branches● Personalized direct marketing channel:
client messaging, social integration, campaign management● Omnichannel user profiles
(client starts operation in one channel, completes in other)● Financial operation rules & processes management● Leveraging e-Money & e-Wallets
Digital Banking Platform
● Contactless payments using smart devices (mobile, watches, etc): NFC● Integrating multiple payment providers, from PayPal to SWIFT● Personal finance management, investment management● Social banking (banking with bank accounts & e-money in social networks
and messengers)● POS e-commerce: mobile POS devices, integrated payment solutions for
merchants● Web e-commerce: bringing personalized banking into internet stores● Universal citizen/municipal card (payments & ID with NFC)● Loyalty programs● Blockchain/bitcoin-ready
Architecture Layers
FINQLOUD Web Services Layer (Middleware Business Logic)
Set of Open APIs
Bank & Third-party Back-end Systems
Front-end Apps for End Users, Bank Managers, Third Parties (Presentation Layer)
Enterprise Service Bus (Integration Layer)
BANQ
Multichannel Self-
Service Backend
Personal | Family |
SME
● Multichannel user profiles
● Accessing and managing accounts
● Payments and transfers
● Managing payment cards and
other instruments
● Opening saving accounts online
● Applying for loans
● Recurring orders / direct debits
omnichannel Self-Service
Advantages for the client:
● Familiar interface, unified user experience● Channel selection freedom
Advantages for the bank:
● More points of contact with the client● More cross-sale and up-sale opportunities● Cost saving on multi-channel product or service
implementation● Speed of multi-channel implementation
Omnichannel User Profiles
● Keep user payment templates, standing orders, documents saved● Provide the same experience for the user wherever the bank is present:
○ on mobile○ in web○ in the branch
● Tight CRM integration● Useful for campaign management and financial behaviour profiling● Cross-channel sales and communications
Family & Small Business Banking
● Moving usability of personal banking into corporate segment
○ Seamless experience between personal and corporate approach
○ Easily maintain different business lines within the bank
○ Best practice used by large international banks worldwide
● Family banking: share levels of access with family members
○ Cross-sale possibilities for family members
○ Involving young people into banking experience
○ Reduce servicing costs for families
Social Banking
● Put your bank “branch” into social networks
● Simplify banking experience
● Promote P2P transactions and increase transactional revenue
● Link bank CRM to user profiles in social networks
● Another cross- and upsell channel
POS and Web e-commerce
● Bring your bank to the merchant store
● Banking widgets for online stores, enabling instant payments with bank products
● Mobile POSes for retail stores, HORECA etc
● QR, NFC and other contactless payments
● Increase revenue from transactions
Operation & Product Policies
● Managing security through the limitation policies improves banking usability
● Single window to administer security rules for all of the channels
● Assign product rules for different channels and access roles
Personal finance management
● A tool to differentiate bank brand and create a new valuable service for customers
● Increases customer satisfaction, loyalty & retention
● Increases usability and interest for digital channel self-service
● Cross- and up-sell opportunities: including savings and loans business units enables consumers to apply for new financial products online
GAMIFICATION
• “Why is gamification a good idea for the financial industry? Because banking sucks!” :-)
• 53% gamers aged 18-49
• 55% gamers play on smartphones (front-office of the future)
• it’s not about gambling or playing with money, it’s more about using the psychological mechanisms that make games so successful in society
Universal Citizen/Municipal Card
● Involves unbanked people to bank services
● Converts payment card into from a financial instrument into a common
thing
● Promotes usage of bank card products
● Increases client base for transactional business
● Stimulates growth of bank acquiring network
EnQorage
Front Office as an
Assisted Self-service
● Retail teller● Works as a channel, yet
another to Web and Mobile banking
● Kiosk support● Third-party service integration:
○ Tickets○ Remittances○ e-Government (fines, fees)
Front Office as an Assisted self-service
● Convert your branches into a digital format
● Use the same interface in servicing client in bank branches as in Internet
● Reduce load on staff education and system maintenance
● Seamless integrated business process management for self-service and
branch service
QORE
Multi-Currency
Processing
e-Money | e-Wallet
Loyalty
● e-Money issuing
● e-Money and loyalty accounts
(e-Wallet)
● e-Money transfers
● Accounts linked to telephone
numbers or e-mails
(for unbanked people)
e-Money and e-Wallets
● e-Money accounts linked with phone or email
● Banking for unbanked: make them your clients even
before they know
● Be ready for the e-commerce future
● Increase transaction revenue
● 24/7 service independent from slow legacy banking
systems
QOMMUNICATE
Personalized & Direct
Channel
Messaging | Marketing
● Push notifications● Multi-channel:
Viber, WhatsApp, Telegram● CRM integration● Segmentation of client base● Campaign management● Tracking user responses and
initiating sales from bank propositions in messages
● Push information about transactions
● Cost optimization(avoid high SMS texting costs)
Messaging Hub
● Multichannel: push-notifications, Viber, Telegram, WhatsApp
● Cost-saving on SMS delivery(both transactions & marketing)
● Cost-saving on processing charges
● Convenient way of getting information for user
Personalized Direct Marketing
● Deliver information right to the client phone without
paying for SMSes
● Create personalized marketing campaigns
● Sell products and financial services in form of chat
● Get client feedback and keep live communications with
clients on their banking experience
● Create marketing proposals that would be relevant for
the time, place and channel
● Bright cross- and up-sales to the new level
QONTACTLESS
NFC | C2C | Bluetooth
● Putting payment cards into
smartphone: tokenization,
(in partnership with VISA / MC)
● Like Apple Pay, but on
Android :)
● Card-to-card (C2C) money
transfers
● Making P2P payments in
contactless way
Card-to-card Payments
VISA Money Transfer &
MasterCard Money Send
● Busting growth in transactions(in Ukraine)
● Bank gets commission from each transaction
● Service includes payment cards from other banks: you are making money on them
● Our solution allows simple transfers using social graph from Facebook & telephone address book
Technology Partner
AIR PAY®
With Bluetooth LE &
WIFI Direct
● Patented technology
● Pay to people around without entering any payment details
● Can be backed by VISA/MC C2C or internal bank transfers between accounts (A2A, A2C, C2A, C2C)
● Busts transactions, reduces fraud (card numbers are not exchanged)
NFC on Android
Tokenisation from
VISA & MasterCard,
with Android HCE
● Like Apple Pay, but on Android :)
● VISA & MC-provided infrastructure and security
● Small costs: you have to buy only mobile wallet, no server-side enterprise stuff
● BanQ Systems is VISA Technology partner licensed to build solutions for NFC
Technology Partner
WORQFLOW
Business Process
Management
● human workflow and comfortable interface
● different roles and organisation structure
● business process templates
● visual business process constructor
IDE for Workflow
NaviQ
GeoPOI and
Informational System
● Bank products and services
● News and updates
● ATMs and bank offices
● POS terminals and info on merchants
● Propositions from partner network readiness
● Exchange rates
● General marketing information
AnalytiQ
Big Data & Business
Intelligence
● User geoposition and activity tracking: big data accumulated from all mobile apps
● Business intelligence and knowledge generation
● Personal finance management
● Personal finance advising
The technology behind
Architecture Details
eWallet & Multi-currency
Processing
User Profiles Service
Messaging Processor
Operations Dispatcher
Existing Bank ESB (if any)
Self-Service Broker
Open APIs
PCI-DSS Secure Vault
Bank Ledger
Product Catalog Reporting PCI Front CRM DWH
Existing Front Office
Mobile Banking Apps
Web Banking
SMS GW
Banking in Social Networks
e-Commerce Widgets Third-party AppsFront Office
Apps
Existing Internet
Bank
BanQ Service Bus
Payment Systems
Architecture Benefits
● Service-oriented architecture● 24/7 solution● Staged implementation within
limited budget and time● Co-operates with existing enterprise
systems● Creates integrated back back-end
environment● Separating client apps from bank
services● Ready for building online BPM● Can be supported by bank IT
Channel mix platform
MoBile &IOT
Web
Call Center
Social Networks
Branches
POSes
e-commerce
cross-channel products, business processes & policies
Open APIs
● Documented open API
● SDKs for third-party developers
● Vendor-independent apps, widgets and gadgets
Web & Mobile Apps
● An app for each business case● Native apps integrating
multiple backends● Focused on usability● Excellence in design● Modern technology stack:
○ HTML5 / CSS3○ AngularJS (Web)○ Swift and Java for iOS & Android○ Universal Windows Platform
● Gamification solutions
We carefully prototype functionality of the apps with static and interactive wireframes, splitting complexity of the app into simple user stories shared across workflow of app screens
UI - UX
UI-UX: PIXEL-Perfect design
Наш подход - тщательное проектирование интерфейса.Симпатичные кейсы из retale сегмента + хочу яхту.
Stylish Mobile
Apps
Responsive Websites
Modern Admin Consoles
Enterprise success-stories by BanQ Systems
(with demo)
BanQ Services
Cloud
Bank Services in the
Cloud
● Subscription-based services for bank in the cloud:
● Open BanQ: banking as a service
● Open Qore: e-money and loyalty as a service
● Open Qommunicate: direct marketing channel as a service
IT Integration● Network of local certified
integration partners
● Educating IT staff
● On-demand integration on site
Digital BankConsulting
Core Banking,
Front Office
Self-service, BPM,
BigData, CRM
● Moving financial services to digital banking
● IT, business process, products, & bank model audit
● Developing new banking services
● Increasing efficiency through banking gamification
IT Outsourcing
Outsourcing Bank IT
● Nearshore professionals with banking background
● Strong engineer team
● Affordable rates
● Best practices of project management and software development
○ Outstaffing
○ Agile / SCRUM
○ Test-driven development
○ Continuous integration
● Quality assurance
BanQ Systems Ltd, UK+44 747 335-90-93
BanQ Ltd, Ukraine+380 (44) 520-5750
http://banqsystems.com [email protected]
Technology Partner