FinQLOUD platform for digital banking
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Transcript of FinQLOUD platform for digital banking
FinQloudFintech Cloud as Banking Platform
BANQMultichannel Self-service
QOREe-Money Processing & Wallet
QOntactlessQR, NFC, Bluetooth LE
QommunicatePersonalized Messaging
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Big D
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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
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
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.
Easy Pay is Ukrainian electronic payment system,
allowing users to pay for the services of more than 360
different companies. The self-service portal needed a
mobile solution, which would be a smartphone app for
popular mobile OS. Thus the design and development
of the mobile client was made by Qoderoom experts.
The mobile app is full of advantages, such as using the
templates of operations, tracking the transactions,
checking the balance and, what is the most important
– the mobility.
Platform: iOS
Technologies: Objective C, JSON
Easy Pay
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