comarch for_banking_en_
TRANSCRIPT
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
3 Copyright Comarch 2010
We deliver:
Comarch competence map- Banking
4 Copyright Comarch 2010
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
5 Copyright Comarch 2010
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
6 Copyright Comarch 2010
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
7 Copyright Comarch 2010
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
8 Copyright Comarch 2010
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
9 Copyright Comarch 2010
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
10 Copyright Comarch 2010
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
Comarch competence map- Banking
11 Copyright Comarch 2010
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