OmnichannelBanking Platform

MAY 2021

NEW YORK | VANCOUVER | LONDON | PORTO

ebankIT Company overview

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ebankIT is The solution

Fintech software company with

headquarters in Portugal and offices

in London

Omnichannel Digital Banking Platform that

helps Financial Institutions to digitally

transform

Why customers choose ebankIT

Completeness of Solution for retail,

business & corporate banking

Class leading time-to-results

(from POC to Production)

API driven ecosystem

Global Reach, Local Range

(languages, currencies, payments

integration)

Innovation roadmap & vision

ebankIT Marketplace enabled by

Open Banking

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The Path so far…

Spin-off

from IT services company ITSector

(created in 2005)

2014 2015 2016 2017 2018 2019 2020

Investment in experienced Sales Force from UK

South Africa; Middle East

New recurrent license model

Opens UK Office – Level 39

Top 10 in KPMG

Top 50 Global emerging stars

First client in North America

Actively building up its technology partner and reseller ecosystem

Market Guide for Digital Banking Platforms

Celero 10 yearpartnership agreement Local presence in US and CE

Cloud solution development

Cloud enhancementsCanadian Layer and Payments

New HQ Building

Market Guide for Digital Banking Platforms

2021

The Now Tech:

Digital Banking

Engagement

Platforms, Q1

2021 report

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Where we are – some figures…

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Where we are - Some of our Clients

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Where we are - Some of our Partners

INTEGRATOR

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Where we are - Some of our Partners

MARKETPLACE

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Where we want to go –Company Strategic Goals …

"The company's objective is to consolidate its

position as an international player with an

omnichannel solution, conquering new

geographies and increasing its presence in

the North American and European markets".

#1 omnichannel vendor in English-speaking

Canadian CUs market by end 2021

Rank ebankIT in the TOP 5 vendors of

omnichannel Software for CUs in NA (Canada

and US) within the next 5 years

Continuously present a state-of-the-art product,

maintaining a robust roadmap and focusing on

innovation (both inhouse and through

partnerships)

Double the references in the European market

in the next 2 years

Consolidate a broad and reputed partner

ecosystem, within 3 years

Focus on recurrent revenue by marketing the

subscription revenue model

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Strictly Confidential

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Where we want to go – Competitive Advantages

1. High growth company (CAGR of 51% for the last 4 years)

2. Short time-to-market:

→ Pre integration with API of 14 main transactional core banking systems

→ Regional layers containing functionalities specific to each country,

region or distinctive banking principles

3. Strong implementation partnerships network

4. Focus on roadmap for innovation guaranteeing state-of-the-art

solutions

5. Flexibility / active listening to clients' needs (User Group for

Canadian market to be launched on April)

6. Attractive licensing model:

→ Modular subscription of suits (retail; SMEs; corporate) and channels

(IB; MB; watch bank; branch front office, call center, etc) departing from

ebankIT middleware

→ Subscription licensing model allowing for phased OPEX in connection

with digital adoption (FI pays along with fees received from end users)

7. Great internationalization story - more than 99% of

company’s revenue comes from international markets

8. Success story in Canada:

→ 35% of end users from the Top 100 Credit Unions in Canada

→ first two Banks engaged in Canada in 2020

→ 53% of the company YE2020 revenue derives from Canadian Market

9. Great clients retention and customer satisfaction – historical

churn rate is equal to zero

10. High profitability when compared with peers, benefiting from

a better quality/cost ratio (profitable since inception with high

EBITDA margin).

Strictly Confidential

ebankIT Omnichannel Digital Banking Platform

12OMNICHANNEL DIGITAL BANKING PLATFORM

RETAIL, SME, BUSINESS AND CORPORATE

Architecture

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The Customers or Members

OMNICHANNEL DIGITAL BANKING PLATFORMRETAIL, SME, BUSINESS AND CORPORATE

• Class leading apps on all devices

• Fast delivery of new versions

• First to market innovations

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The Bank or Credit Union Business Owner

OMNICHANNEL DIGITAL BANKING PLATFORMRETAIL, SME, BUSINESS AND CORPORATE

• Separation of responsibility

• Autonomous marketing tools

• Autonomous product launch

• Real time usage monitoring

• Innovate in middleware and apps

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The Bank or Credit Union IT Organization

OMNICHANNEL DIGITAL BANKING PLATFORMRETAIL, SME, BUSINESS AND CORPORATE

• Separation of responsibility

• Focus on core business

• Less time spent on secondary tasks

• Extract value from legacy systems

• Consistent development

• Real time systems monitoring

16OMNICHANNEL DIGITAL BANKING PLATFORM

RETAIL, SME, BUSINESS AND CORPORATE

Marketplace

Customer Channels, Frontoffice & Backoffice

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Corporate Portal/ Public Website

• Login

• Check your balance

• Bank secure messages

• Pre-defined payments & top-ups

• Money transfer including to favorites

• Branch/ATM locator

• Live interest rates

• Integration with Onboarding Module

Fully integrated CMS Capabilities

CUSTOMER CHANNELS 1/3

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Web Banking

• Responsive and fully customized UI/UX

• Login with external accounts

(Facebook, Microsoft Azure, …)

• Multi-language

• From left to right or from right to left

• Full compliance with WCAG 2.0 accessibility

guidelines

• Bulk component for complex/time-consuming

transactions or corporate operations

CUSTOMER CHANNELS 2/3

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Mobile Banking

• Best-of-breed native iOS and Android

• Customizable UX to reflect FI values and user

preferences

• Login with identity server (Facebook, Microsoft Azure, …)

• Secure and fast self onboarding

• Advanced biometric access: facial, fingerprint & voice

• Integrated social banking (P2P, Split & Share)

• Augmented reality & widgets

• Pre-login campaigns

CUSTOMER CHANNELS 3/3

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Frontoffice

CONTACT CENTER

• Web-based solution with telephony integration

• Emails, Chats, Calls and IVR Customer Service

• Unified client view

• Campaigns and customer service scripts

• Complaints management

CUSTOMER MANAGEMENT

FRONTOFFICE

• Organize daily branch activity

• Supports front-desk,

commercial customer service

and backoffice

• All information and features

in only one screen

CUSTOMER MANAGEMENT

FRONTOFFICE

• Tool that allows financial

institutions to manage

digital end-users, enabling

activation, deactivation and

contracts management – in

a simplified and user-

friendly mode.

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Backoffice

CONTENT MANAGEMENT

SYSTEM

• Manage content published

across all channels with

intuitive editing experience

• Create , launch and manage

personalized campaigns

MONITORING

CENTER

• Real-time visibility on

the platform status

• Service responses

• Session technical

analysis

ebankIT MANAGEMENT

SYSTEM

• Command Centre

• Administration

• Settings

• Users

• Documents

• Alerts

• Secure Messages

• Campaigns

• Analytics

• Developer Portal

Selected Clients Success Stories

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Clients’ Awards

Best Islamic Bank in Kuwait by World Finance2

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Best Islamic Bank in Kuwait by World Finance

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Best Sharia-compliant Bank in MENA by Capital

Finance International

Best Islamic Bank in Kuwait by World Finance2

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Best Islamic Bank in Kuwait by World Finance2

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Best Islamic Bank in Kuwait by World Finance

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Most Secure Bank in Kuwait by World Finance

Excellence in Customer Experience Enhancement

Best Customer Satisfaction by South

African Customer Satisfaction Index

Best Fintech Partnership by Finnovate

CS050 Award winners for 2020

Best Digital Bank in Nigeria by World Finance

Best Mobile App in Nigeria by World Finance

Best Mobile Banking App by Digital Banker Africa

Awards

Best Digital Bank in Africa 2020 by Asian

Banker Awards

Best Commercial and Development Bank -

Nominated for Consumers Choice award

TOP 5 Canada's BEST Mobile Banking Firms by

Surviscor Mobile

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“In ebankIT we found a trustworthy partner, which

exceeded our expectations, allowing us to deploy

our multilingual internet banking services. In less

than 3 months the project was implemented. This

is much quicker than expected. We are looking

forward to extend our collaboration to other

partners in our ecosystem.

Marianne WildiCEO at HBL

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“Due to the African Bank & ebankIT partnership,

we have become the first South African bank to

offer an omnichannel experience and our

customers love it! As a result our customers

satisfaction score has grown tremendously and

we’ve got ebankIT to thank for it!

Adri LubbeHead of Omni Channel and

User Experience

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“It has been a wonderful journey.

From the board, the management

team to everybody working on the

ground, we were working with a very

nimble and agile organization.

Jeff WongChief Digital, Information and Technology Officer

Roadmap &Innovation

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Business Innovation

REACTIVE BANKING

Works on Money

Transactional apps

Always client initiated interactions

PROACTIVE BANKING

Deep knowledge of the Customer

Works on context

Offers based on the customer life and events

Humanized banking

Bringing back human connection, delivered digitally.

Remote in-branch experiences

Helping remotely, with a human touch (Live assistance)

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Product Roadmap

CUSTOMER FEEDBACK

MARKET RESEARCH

INNOVATION LABS

RELEASE

PRODUCT BACKLOG

Wrap-Up

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Why ebankIT?The delivery of omnichannel banking can be complex.

ebankIT mitigates these concerns with its

comprehensive solution, prepared to run on an

out-of-the box basis, enabling ease of deployment.

INCREASE

Digital Business

PROMOTE

Customer Engagement

IMPROVE

Customer Experience

API ECOSYSTEM

Open Banking API

and PSD2 Compliance

COMPLETENESS OF SOLUTION

Retail, Business & Corp + Management Tools

REDUCED

Time-to-market

WORLD CLASS

Innovation

GLOBAL REACH, LOCAL RANGE

Regional Layers

EBANKIT MARKETPLACE

Extensible model

ACCELERATE

Digital Transformation

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THANK YOU!Level39, One Canada Square, Canary Wharf

E14 5AB, London - United Kingdom

Porto Office Park, Torre A

Avenida Sidónio Pais, nº153, 3º andar

4100-467 Porto

“The information contained in these documents is confidential,

privileged and only for the information of the intended recipient and

may not be used, published or redistributed without the prior written

consent of ebankIT Omnichannel Innovation.”

NEW YORK | VANCOUVER | LONDON | PORTO