1 state of the art core banking through integrated multichannel delivery nov 2003

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State of the Art Core Banking through State of the Art Core Banking through Integrated Multichannel DeliveryIntegrated Multichannel Delivery

Nov 2003Nov 2003

www.iflexsolutions.com

Softcopy Name : Presentation at the Romanian Banking Forum

Published Date : November, 2003

Document Classification : General – Restricted with No Further Release Confidential

Author : Balaji Ramakrishnan

Group : International Marketing Group

Due care has been taken to make this Presentation as accurate as possible. Certain statements made in this

presentation may not be based on historical information or facts and may be “forward looking statements” and may be

subject to risks and uncertainties that could cause actual results to differ materially and adversely from those that may be

projected by such forward looking statements.

These risks and uncertainties and other factors that could affect, including but not limited to, competition, acquisitions,

economic conditions, ability to retain highly skilled employees, technology, law and regulatory policies, managing risks

associated with its business.

i-flex makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss

or damage caused to the user by the direct or indirect use of this Presentation. i-flex may alter, modify or otherwise

change in any manner the content hereof, without obligation to notify any person of such revision or changes.

All company and product names are trademarks of the respective companies with which they are associated.

COPYRIGHT © 2003 i-flex solutions limited

All rights reserved.

www.iflexsolutions.com 3

AgendaAgenda

i-flex Solutions – Corporate Overview

i-flex ATC Partnership

Multi Channel Integration Platform – FLEXCUBE@

Need for Multi Channel Integration

Business Benefits

FLEXCUBE Core Banking

Functional Architecture

Customer Base

Conclusion


i-flex Solutions – Company Highlightsi-flex Solutions – Company Highlights

Consistent growth & profitability since 1992 - the first year of operations

Revenues $133.9 million fiscal year 2002

Extensive global experience : 430+ financial institutions served to date across 101 countries

34 partner organizations covering 50 countries

Superior process maturity – rated at SEI CMM Level 5; this puts us in the top 2.5% of all companies assessed globally*

2,600 + professionals with deep financial services domain expertise

European operations span, UK, Germany and Benelux with a 24x7 support center in London

* Highest level of process maturity according to the Capability Maturity Model of Software Engineering Institute of Carnegie Mellon University


i-flex - Key Performance Indicators 2002-03i-flex - Key Performance Indicators 2002-03

Operating Revenues

Region-wise Revenue

0

20

40

60

80

100

120

140

1998 1999 2000 2001 2002 2003

Revenues (US$Million) Net profits (US$ Million)


Providing End-to-end Solutions for the BFSI spaceProviding End-to-end Solutions for the BFSI space


Globally Successful Product BusinessGlobally Successful Product Business

World Class Product Portfolio

FLEXCUBE: Complete Universal Banking Solution

FLEXCUBE ranked #1 selling banking solution in the world in the year 2002 (IBS UK, 2002)

Reveleus: End-to-end metadata driven business intelligence solution

Accelerating customer acquisition and geographical penetration

160 customers for FLEXCUBE across 74 countriesas of October 2003

Fastest to cross 100 customer mark

Success in Europe – Nearly a third of the FLEXCUBE sites are in Europe

Growing high profile customers and global deployment contracts

Citibank – Global deployment

RaboBank – Europe Wide Deployment

Recent wins in US : NCDST, IMF

Cumulative FLEXCUBE wins

6 1535

74

111

142

FY98 FY99 FY00 FY01 FY02 FY 03

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i-flex – Sample Customersi-flex – Sample Customers

Central Bank Central Bank of Maltaof Malta

Global FIs

Leading Regional / National FIs

Specialized FIs

Karur Vysya Bank

Reserve Bankof India


i-flex – ATC Partnershipi-flex – ATC Partnership

ATC Group

Successful software integrator in Greece with affiliate in Romania ( ATC ROM)

Proven Track Record in the BFSI space in Greece

Partnership to focus on –

Increasing FLEXCUBE presence in the region

Building implementation and post implementation support capabilities within ATC for the region

www.atcrom.ro

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FLEXCUBE@ Multi Channel Integration FLEXCUBE@ Multi Channel Integration PlatformPlatform

www.atcrom.ro


InternetApplications

IE NetscapeClient Workstation

Format Conversion

Traditional Channel Deployment – a Typical ViewTraditional Channel Deployment – a Typical View

RetailBanking

VSAM

CustomerInformation File

VSAM

Legacy

CorporateBanking

RDBMS

Reporting and AccountingDatabases

Flat files

MessageQueues

MessageQueues

ASCIIInterface

ATM

ASCIIInterface

Teller Teller

Phone

Mobile

www.atcrom.ro


Traditional Channel Deployment – ProblemsTraditional Channel Deployment – Problems

Disparate Channels and Systems

Islands of Information

Multiple Point-to-point interfaces

Customized code

Disintegrated view of data

Data Duplication

High Maintenance and Manageability issues

Complex workflows

www.atcrom.ro


Channel Integration Platform

InternetApplications

IE NetscapeClient Workstation

Requirement - Integrated SolutionRequirement - Integrated Solution

RetailBanking

VSAM

CustomerInformation File

VSAM

Legacy

AccountingDatabase

Flat Files

ATM

RDBMS

CorporateBanking

Phone

Mobile

www.atcrom.ro


Host 1

Consolidated View

Single Login

Multi Channel Delivery and Application Integration Multi Channel Delivery and Application Integration through FLEXCUBE@through FLEXCUBE@

Host Connectors

Host 2 Host n

Multi-Channel Access

POS Internet Browser Phone Wap Client TV Browser PDAATM

FLEXCUBE @

JDBC FIXISO

8583MQ XML

www.atcrom.ro


Benefits of an Integrated SolutionBenefits of an Integrated Solution

Single logical view of Data

Uniform data model

Uniform experience across channels

Single Login

Integrated Applications

Single point of contact for all applications

Easy Maintenance

Avoids replication

Comprehensive MIS from a single point

Usage statistics and analysis

www.atcrom.ro

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Gulf Bank – A case Study on FC@Gulf Bank – A case Study on FC@


Bank RequirementsBank Requirements

Internet Banking for Retail & Corporate Customers

No Changes acceptable to existing systems

Multiple Back-end interface for Authentication and Transactions

Transactions over Mobile Banking

Single user ID across all channels

Quick implementation

Arabic Screens

Highly scalable solutions to meet future growth

www.atcrom.ro


The SolutionThe Solution

MSMQ

FNS RetailBanking

xNetik Middleware

ATM Switch

CorporateBanking

Internet

Mobile

www.atcrom.ro


The ResultThe Result

www.e-gulfbank.com

Internet Banking launched in record time

User base growing rapidly

High on Popularity and Customer satisfaction

Personalized access to accounts

Quick transaction response times

Single ID across channels

Multi-Lingual User Interface

Mobile Banking on multiple handsets

Minimal change to existing systems

www.atcrom.ro

http://www.e-gulfbank.com/

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““i-flex’s FLEXCUBE@ offered us distinct technological advantages like quick i-flex’s FLEXCUBE@ offered us distinct technological advantages like quick deployment time which suited our launch schedule, a completely Arabic deployment time which suited our launch schedule, a completely Arabic interface, and above all personalized online access to all the information interface, and above all personalized online access to all the information

customers needed on their accounts.” customers needed on their accounts.”

Mr. Nazem S. O. Al-Qana'e

General Manager Support Services

Gulf Bank


FLEXCUBE Universal Banking SolutionFLEXCUBE Universal Banking Solution

FLEXCUBE@ - Multi Channel Delivery / Integration Platform

FLEXCUBE -- Universal Banking System for Retail, Corporate and Investment Banks

Reveleus

Business Intelligence ( Analytical CRM, Basel II framework, Risk Management analytics)

www.atcrom.ro


FLEXCUBE Application Service Provider (ASP) OfferingFLEXCUBE Application Service Provider (ASP) Offering

www.atcrom.ro


FLEXCUBE- Background, History & CredentialsFLEXCUBE- Background, History & Credentials

Launched in 1997 as an Universal Banking Solution for Retail, Corporate and Investment Banks

Ranked # 1 selling banking solution in the world in 2002 ( IBS )

Accelerated customer acquisition and geographical penetration

160 plus customers for FLEXCUBE across 74 plus countriesas of October 2003

Fastest to cross 100 customer mark

Success in Europe – Nearly a third of the FLEXCUBE sites are in Europe

Has over 700 dedicated professionals engaged in product development, implementation and support

Key customers include Citibank, International Monetary Fund (IMF), UBS Warburg, Rabobank, Kredyt Bank, Shinsei Bank, ACC Bank etc.

www.atcrom.ro


Estimated Annual Cost Reduction for Citibank by using Estimated Annual Cost Reduction for Citibank by using FLEXCUBEFLEXCUBE

0

20

40

60

80

100

120

2000 2002 2004

Year

In U

SD

Mil

lio

n

Source : Celent


ConclusionConclusion

A Unique Combination

FLEXCUBE

Contemporary System, Broad Range and Depth of Functionality

Large Customer Base - Globally accepted, successful track record

Leading Edge Technologies

#1 banking solution in the world (IBS 2002)

i-flex

Exclusive focus on Banking and Financial Services – Deep Domain Expertise

Excellent Reputation for Implementation and Development

SEI CMM Level 5 organisation

One of the few IT companies whose share price continues to grow despite the downturn.

www.atcrom.ro

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Thank YouE-mail : [email protected]

Hand Phone (Europe) : + 44-7980561480

Hand Phone (India) : +91-9820768728

E-mail : [email protected]

Phone: + 40 21 201 11 91 (office) + 40 766 452 096 (mobile)

1 state of the art core banking through integrated multichannel delivery nov 2003

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endtoend solutions

bfsi space slide

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romanian banking forum

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