ТОР-5 CFT is among the
software developers in Russia
500 Over
banks of Russia and the CIS use CFT software products and services
1991 FT has been in the market
since 1991
ABOUT THE COMPANY
CFT PRODUCT LINE
CFT BRANCH OFFICES
Products for:
• core banking
• carrying out all types of banking activities
• bank participation in the payment market
• Novosibirsk —Chief Development Centre
• Moscow—Marketing and Sales Centre
• 17 development centres in the leading economic regions of the RF
• Representative offices abroad: Almaty, Kishinev
2
FINANCIAL PERFORMANCE
3
Growth in Revenue from the Sale of Products and Services of the CFT Group over the Last 5 Years
TOTAL REVENUE CFT Group:
* certified by the KPMG audit firm **including VAT
REVENUE CFT Group, RUB billion
*
**
5,3
2010 2011 2012 2013 2014
8,7
12,2
14,3
16,0
2014 г. – 16 058 432 644
2013 г. – 14 335 244 430
2012 г. – 12 220 498 659
2011 г. – 8 636 757 822
2010 г. – 5 294 458 387
Banks
MAJOR CUSTOMERS OF THE CFT GROUP
4
Retail chains Corporations, holdings, and public companies
5
*
Sberbank 1
Gazprombank 3
FK Otkrytie 5
Alfa-Bank 6
Rosselkhozbank 7
Bank of Moscow 8
Unicredit Bank 10
Rosbank 12
Khanty-Mansiysk bank Otkritie 14
Credit Bank of Moscow 15
Russia 16
Bank Saint-Petersburg 17
Binbank 19
Russian Standard 20
Nordea-Bank 21
MDM Bank 22
Uralsib 24
Petrokommerz 32
Sovcombank 34
Novikombank 35
National Settlement Depository 37
Vostochnyi Express bank 39
Vozrozhdeniye 40
OTP Bank 44
MTS Bank 45
Rank
CFT's TOP 50 CLIENT BANKS IN TERMS OF ASSET SIZE
Banks using CFT products for: core banking
operations in the payment markets
Rank
CFT PRODUCT LINE
CORE BANKING PRODUCTS
PLATFORMS
CFT–PLATFORM 1
CFT–PLATFORM 2 MCA
CFT PRODUCT CATALOGUE
Over 330 finished financial Products
Products for issuance and acquiring of IPS cards
Products for remote banking services
NEW CFT-Bank
Integrated front office, sales channels management, business analysis, customer communications management
Pay cards, credit, corporate, co-badged, co-branded, and other cards
Instant money transfers
without account opening
Electronic travel tickets, transportation & banking cards
Products for acceptance of payments in favour of service providers
Replenishment of accounts, repayment of loans of any Russian bank
PRODUCTS FOR BANK OPERATIONS IN PAYMENT MARKETS
PAYMENT SERVICES
PREPAID CARDS
Payment card for MFIs
Applications for the bank’s business process automation
PROCESSING SERVICES
6
• Customer loyalty programs: • For banks and retailers • Based on prepaid cards
• Gift cards (gift certificates, prepaid gift cards)
CUSTOMER LOYALTY PROGRAMS
CORE BANKING PRODUCTS
7
PLATFORM 2 MCA
The new generation technology platform for development and
use of MISSION CRITICAL bank applications
THROUGH THE USE OF THREE-TIERED ARCHITECTURE, PLATFORM 2 MCA PROVIDES THE BANK WITH:
• Unlimited scalability
• High performance
RECORD-BREAKING GROWTH OF SOLUTION PERFORMANCE (UP TO 30%) BASED ON ORACLE EXADATA X2-8 AND ORACLE EXALOGIC X2-2 PLATFORMS
MULTITHREADED APPLICATIONS
8
NEW PERSPECTIVES OF ABS PERFORMANCE
Criterion
Accounts
Cards
Deposits
Loans
Transaction day
System update
Scaling
Indicator
Up to 100 mln
20 mln
30 mln
30 mln
Close to 24x7
Close to 24x7
N-tuple increase of retail business volumes without complete update
of Hardware equipment
CFT-Bank (Platform 2 МСА) with multithread Applications as an alternative for a new retail system of large banks
CORE BANKING PRODUCTS
NEW CFT-Bank
9
FRONT-OFFICE FUNCTIONS OPTIMIZATION
SWIFT SALES MANAGEMENT
FAST MANAGEMENT ANALYTICS
New CFT-Bank Clients. Products. Analytics
CORE BANKING PRODUCTS
10
BRAND NEW ELEMENTS OF THE SYSTEM for the Bank to increase its profit and raise customer loyalty: 7 Products and Sales Management Center
Single-window to offer all bank’s financial products
300 indicators of the bank’s performance
Financial statements
Communication management
Target marketing
Gamification
1 2 3 4 5 6 7
NEW CFT-Bank
CORE BANKING PRODUCTS
CFT Financial Product CATALOGUE
11
Private persons Corporate customers
Financial institutions Bank transactions
THE CATALOGUE INCLUDES OVER 330 FINISHED PRODUCTS FOR THE MAIN AREAS OF THE BANK ACTIVITIES
CFT FINISHED PRODUCTS ALLOW THE BANK:
To reduce the time of launching classic financial
Products market
To focus on the STRATEGIC and
UNIQUE Products
To minimise the Product cost
To reduce the cost of system launch and
ownership
EVERY FINANCIAL PRODUCT SOLVES A SPECIFIC
BUSINESS TASK OF THE BANK
CORE BANKING PRODUCTS
12
WWW.CATALOG.CFT.RU — ELECTRONIC CATALOGUE
Over 1,400 applications Convenient explanations structure Ease of choice
Detailed Application Catalogue for fine tuning of Financial Products for the bank's business processes
CFT Financial Product CATALOGUE
CORE BANKING PRODUCTS
CFT Bank Outsourcing
13
CFT IS THE FIRST RUSSIAN SOFTWARE COMPANY DEMONSTRATING A SERIES OF SUCCESSFUL CASES ON TRANSFER OF BANKS’ IT INFRASTRUCTURE TO THE COMPLEX OUTSOURCING
• Expobank
• STARBANK • Investtorgbank • Adamon Bank
• CFB Bank • IFC Bank • IpoTech Bank • SKS Bank
• Miraf-Bank • Idea Bank • Korea Exchange Bank Rus
2,500 2,8 mln 1 mln users accounts customers
Availability of outsourced systems according to SLA: 99,8%
Implemented Projects:
CORE BANKING PRODUCTS
For provision of processing services and CFT-Bank system outsourcing, CFT uses:
14
• Two DPCs: • DPC 1—the main center, • DPC 2—the backup center
• In-house independent control and security services
CFT develops personal DPC infrastructure according to Tier 3 risk level of TIA-942 standard
In 2013 PWC performed an audit of CFT and confirmed high level of outsourcing processes
CORE BANKING PRODUCTS CFT Bank Outsourcing
CFT is a partner of ASTRA, a nonprofit partnership of assistance in development of strategic outsourcing
Faktura.ru, Remote Banking Provider
15
Organisation of remote banking for corporate and individual customers of the bank based on technology outsourcing
The product is used by more than 300 banks and branches
> 1,2 million financial and information transactions DAILY
14 years on the market
STATISTICS:
The processing capabilities used for the Product operations are several times higher than those of similar in-house solutions of major federal banks
In 2013, the number of corporate Internet-banking users increased by 32%, that of private users—2.5 times (as compared to the results of 2012)
27%* of private customers use mobile applications and each 18th payment is made via that apps.
CORE BANKING PRODUCTS
Processing facilities used for service functioning are much more powerful than equivalent in-house solutions of large federal banks
In 2014 number of partner banks’ corporate clients using Internet-bank increased by 22%, private customers – by 62% (as compared with 2013 results)
Number of payments made by individuals using mobile applications has tripled (as compared 2013 results)
Faktura.ru: range of online services
16
For corporate clients
FOR PRIVATE CUSTOMERS
• Internet bank (electronic payments solution)
• Internet bank for1С:Enterprise (35
configurations are supported)
• Mobile Bank
• Mobile Application
• Internet bank (one-time password solution)
• Internet bank (Digital signature solution)
• Mobile Bank
• Mobile Application
CORE BANKING PRODUCTS
Faktura.ru: Key Benefits
17
The first RBS provider
FOR INDIVIDUALS FOR LEGAL ENTITIES
• Faktura.ru Internet Bank for 1C: Enterprise 8
• Budget implementation control
• Electronic document flow
• Account management in a "single window"
• Hardware safeguards
• Payroll projects
• Risk Control Systems
CORE BANKING PRODUCTS
• Card security mode management
• Automatic payments
• Mobile applications for Android and iPhone
• Online deposit opening
• Web 2.0 interface
• Instant money transfers
• Online card topping-up
• SMS-based payment for templates
CardStandard Processing Centre
18
NEW GENERATION PROCESSING
Processing services for information and technology support of issuing and servicing bank cards of Visa and MasterCard international payment systems
Being a certified service provider of VISA and MasterCard, the CardStandard Processing Centre enjoys the status of a VisaNet Processor and Member Service Provider
STATISTICS: CardStandard Processing Centre services the card business of over 100 banks
The total number of cards under servicing exceeds 23 million
CORE BANKING PRODUCTS
19
STRATEGIC PARTNERSHIP WITH THE PROCESSING CENTRE ALLOWS THE BANK TO:
Provide the card business with full technology support (back-office outsourcing, online interaction with the bank’s automated banking system, smart fraud prevention system)
Provide customers with call centre services and possibility of setting/changing a payment card PIN code by phone
Offer the customer a range of additional financial services (utilities payment, mobile communication, money transfers), card account remote control tools (Internet bank and mobile bank, cash-in ATMs), various loyalty programmes
CardStandard Processing Centre
CORE BANKING PRODUCTS
Golden Crown Payment System
20
PARTNER CREDIT
INSTITUTIONS
RESIDENTS NON-RESIDENTS
513 409 104
PAYMENT CENTRE NON-BANKING CREDIT ORGANISATION, PAYMENT SYSTEM
OPERATOR AND PROCESSING CENTRE
CJSC ZOLOTAYA KORONA, TRANSACTION AND PAYMENT CLEARING CENTRE
Pay cards, credit, corporate, co-badged, co-branded, and other cards
Instant money transfers without account opening
www.koronacard.ru www.perevod-korona.com
PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS
Bank Card
INFRASTRUCTURE READY FOR PROCESSING MAJORITY OF RUSSIAN DOMESTIC INTERBANK SETTLEMENTS
CARD ISSUANCE ATM NETWORK POS AND CD NETWORK
37 mln 62 ths 128 ths
Golden Crown cards – 8 mln. Co-brand cards: MasterCard – Golden Crown, Golden Crown– Union Pay– 11 mln. Other banks’ cards (H2H integration)– 18 mln.
Acquirers of the Golden Crown
Payment System – 12 ths. Participants of the Golden Crown Payment System (direct H2H
connection) - 50 ths.
Acquirers of the Golden Crown
Payment System– 6 ths. Additional ATMs of the systems (H2H connection): UCS (40 ths), Russian Standard Bank (60 ths), Gazprombank (15 ths), MInB
(7 ths) – 122 ths.
21
PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS
WIDE RANGE FOR PARTICIPATING BANKS
• All card standards
• EMV (own EMV-compliant application, opportunity to issue cards at banks’ in-house processings)
• Magnetic Stripe • MPCOS
• Unique infrastructure
• Golden Crown • MasterCard – Golden Crown • Golden Crown – Union Pay
Bank Card
22
PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS
90% of system software are Russian solutions
Bank Card
23
• MasterCard – Golden Crown co-branded/co-badged card programs
• Issued since 2009 • Largest issuers – Credit Union “Payment Center”,
Sovkombank
UNIQUE EXPERIENCE OF COOPERATION WITH THE INTERNATIONAL PAYMENT SYSTEMS
• Golden Crown -Union Pay co-branded card program • Issued since 2012 • The only provider of co-branding solution with Union Pay
in Russia • Largest issuers – MTS-bank • Union Pay acquiring • POS and Cash acquiring since 2011
PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS
24
Socially important payment system Since September 30, 2013
IN ACCORDANCE WITH THE FEDERAL LAW No.161-FZ Golden Crown has been registered with the CBR Payment Center, operator of the Payment System, has been entered into CBR Register
Money Transfers
PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS
Golden Crown – Money Transfer Service
MORE THAN 48 THS. OF SERVICE LOCATIONS IN THE TERRITORY OF RF, COUNTRIES OF NEAR AND FAR ABROAD
COOPERATION WITH THE LARGEST TRADE NETWORKS
MORE THAN 550 PARTICIPATING BANKS
… и другие
PRODUCTS FOR BANK’S OPERATION IN THE PAYMENT MARKETS
25
Source: CBR, Annual reports of companies, estimation of the Golden Crown – Money Transfer Service
LEADING SYSTEM IN RUSSIA AND CIS AND 3RD LARGEST SYSTEM IN THE WORLD
9%
10%
10%
57%
12
16
31
88
Remittance systems’ shares in RF and CIS in 2014. (%)
Turnover of the world’s largest money transfer systems 2014. ($ bln)
Money Transfers
PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS
26
27
2012
420 570
607
2013 2014
6% Turnover growth
+119 New partners
31 MLN Performed transactions
• WORLD’S FASTEST GROWING REMITTANCE SYSTEM • LISTED ON THE CBR’S REGISTER OF SOCIALLY IMPORTANT
PAYMENT SYSTEMS
SYSTEM TURNOVER (RUB BLN)
19 Countries of the world
Source: data provided by the Golden Crown – Money Transfer service
Money Transfers
PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS
Transport Card
28
• Use on any type of public
• (municipal and private) transportation
• Integration with navigation and dispatch systems
• Flexible billing of fares, calculation of discounts and bonuses
• Targeted provision of social security measures
• for passenger transportation services and fare calculation
• for concession categories of citizens
• Transformation of transportation cash flows into a cashless
• transaction, money supply to the banking sphere
• Unmanned fare payment scheme
• Integration with the existing payment acceptance networks
ELECTRONIC TRAVEL TICKET FOR CASHLESS FARE PAYMENT:
STATISTICS • The system is present in 35 cities and 12 regions of Russia
• Over 2.7 million transport and social cards have been issued
• Over 37 million transactions are made every month
PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS
Payment of fare in public transport from a mobile phone by means of NFC technology*
29
MTS subscribers with the connected MobileTicket service may pay the fare in public transportation simply by bringing their mobile phone to the metro turnstile reader or conductor terminal
THE CARRIER'S FARE IS CHARGED OFF THE MOBILE PHONE ACCOUNT
PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS
*Near Field Communication is a short-range high-frequency wireless communication technology for data exchange between devices at a distance of about 10 cm
Loan Repayment
30
A wide service network throughout Russia
Payments up to the amount of more than RUB 15,000
On-line fund credit technologies
Outsourcing of claims operations and call centre functions
Marketing support
The Golden Crown —Loan Repayment product allows the bank to promptly create a well-developed infrastructure of terminals for loan payment acceptance as well as account and deposit replenishment within a walking distance from the client throughout Russia
Loan payments in TWO TICKS!
› › › › ›
Commercial networks Internet banking systems Payments collection terminals INFRASTRUCTURE I I
PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS
31
BENEFITS • Long-term customer relations • Greater quality of service usage • Modelling consumer behavior, promotion of most
profitable products • Raise income from current client base through cross
sales • Attraction of new client base and distribution channels • Optimization of budget for retention of existing
customers • Enhancement of positive image
STATISTICS More than 350 implemented projects include Sberbank, Sovkombank, Euroset, Svyaznoy, Detskiy Mir, ION, Beeline, 1C and other.
INTEGRATION WITH OTHER BANK SYSTEMS IS AVAILABLE (PROCESSING, RBS, etc.)
BONUS CARDS
ALL CARD LOYALTY PRODUCTS
31
PAYMENT CARDS
31
BENEFITS • Competitive advantage: financial services • Low costs for product implementation • Modelling consumer behavior, promotion of most profitable
products • Raise income from current client base through cross sales • Attraction of new client base and distribution channels • Optimization of budget for retention of existing customers • Enhancement of positive image
STATISTICS More than 12,000,000 participants of our customer loyalty programs
ALL CARD LOYALTY PRODUCTS
CARDS BASED ON TECHNOLOGIES OF INTERNATIONAL PAYMENT SYSTEMS WITH REWARD POINTS AND PAYMENT FUNCTIONS.
32
32
STATISTICS More than 1,500,000 of prepaid gift cards were issued for Sberbank, Ozon.ru, Media Markt, MEGA shopping mall, AFIMOLL sales center, Sodexo and others.
OPPORTUNITIES • Individual design of cards with trade mark of a company or
MyGift ready-made solution MyGift • Flexible nominal value: from RUB 300 to RUB 15,000 • Instant cash enrollment to a card • Card reloading after delivery to a customer • Quick issue: cards are not personalized
WHERE IS THE PROFIT? Cards resale with additional fee Remuneration for card reloading and distribution
Visa or MasterCard-based card is a quick and technological way to attract customers, encourage staff or partners of a company.
GIFT CARDS
ALL CARD LOYALTY PRODUCTS
33
PRODUCTS FOR MICROFINANCE INSTITUTIONS MFI automation complex services
MFI SERVICES
MFI
PAYMENT CARDS ISSUE AND SERVICING
MONEY TRANSFERS SENT BY LEGAL ENTITIES TO
INDIVIDUALS
MONEY TRANSFERS
THROUGH MFI RETAIL NETWORK
CUSTOMER LOYALTY PROGRAMS BASED ON
PREPAID CARDS
CASH COLLECTION AND PAYMENT FOR GOODS
AND SERVICES
MFI LOAN REPAYMENT THROUGH Golden Crown – Loan repayment SERVICE
INFRASTRUCTURE
34
35
MFI CARDS ALLOW FOR instant entering of loans to a settlement card of the MasterCard international payment system
CARD USE ADVANTAGES FOR MFIs:
Reduction of cash flow share. Possibility of complete transfer to clearing settlements with natural persons. Thus, elimination of collection, teller networks, and guarding
Prompt issuance of a card at an MFI office
Unlimited crediting of repeated loans to the card. Possibility of crediting a new loan by means of SMS or via a contact centre
For the borrower, the service value is added through provision of additional services (mobile banking, Internet banking)
Technological connection without debugging: the whole functionality of card operation is implemented in a single window of a web work station
MFI payment cards
PRODUCTS FOR MICROFINANCE INSTITUTIONS
Gorod Federal System: Payment Processing
36
INTERNET BANK I TERMINAL I CASH OFFICE I MOBILE BANK I ATM
UTILITY CHARGES I INTERNET I TELEPHONEI TV I LOANS
SYSTEM FOR CHARGING AND COLLECTING PUBLIC PAYMENTS:
The system operates
in 83 RF regions,
6 RF cities have
representative offices
20,000 service providers collect payments using the system‘s solution
47,000 locations
accept payments
900 banking and non-banking organizations
PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS
ANY DEVICES:
ANY PAYMENTS:
Professional payment collection management
37
1
2
3
4
5
6
ADD NEW OPPORTUNITIES TO YOUR BUSINESS:
Fee income from transfer of funds received for services of regional and federal providers
Fast customer service
Transfer of funds via any RBS channels
Centralized receipt of data on online transfers
Uniform agreement signed at the federal level
Simple agreement procedure
PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS
Top Related