centerm - innovation for future banking v3.0
TRANSCRIPT
Section 1 : Company Profile
Section 2 : Product Demo
Section 3 : Smart Banking Proposal
Section 4 : Cloud Payment Solution
Index
Section 1 : Company profile
Key words: listed company, banking, innovation,
Group－Star-Net
1996
¥5 billion $4 Billion
Centerm Information
Ruijie Network
Established
Sales figure in 2015
2004 - 2015
China Top 100 Software
Company
Market capitalization
002396
Stock Code
Core subsidiary
One of China largest ICT Solution Provider, covering network, cloud computing, payment solution, digital
entertainment, unified communication and 4G.
7000+
Employee
15% of sales figure
R&D investment
$4 billion
Market capitalization
About Centerm
Centerm was founded in 2002 and launched the 1st Thin Client in
China.
Over 1000 employees and 40 branches globally, including
Singapore, Mexico, Indonesia sales office.
APEJ’s No.1 thin client vendor in 2015 according to IDC report
3,000,000+ units thin client installed
700,000+ units financial terminal installed
6,500,000+ units E-POS terminal installed
Centerm Mission - Technology bring convenience to financial
services
Production
Quality
Assurance
Large
Production Capacity
Strong
Manufacturing Base
Large scare raw material
procurement to reduce the
cost
Over 20,000 square meters
workshop 12 SMT lines.
Yearly output:
more than 3M sets
Advanced equipment:
SMT, ICT testing, X900, TCS500
ISO9002/9001 ,14001 system
24 hours stress testing
Complete Product Line
Professional All-in-One
Standard
Thin Client
Integrated Keyboard Integrated Scanner
Interactive Terminal Mobile
Financial Terminal Payment Terminal
mPOS
Countertop POS
Smart POS
Centerm Honor Customers – FSI
…
Section 2 : Product Demo – 30 minutes
Section 3: Centerm Smart Banking Proposal
Key words: omni-channel, paperless, efficiency, big data
www.centerm.com
Program background
Technology
Internet financial company and other service
intermediaries bring great impact to banking
business with new business mode.
Clients’ dependency to physical channel has
reduced gradually. The clients need more
“Permanent online” and highly linked
financial service.
With the development of Internet and information technology, especially the popularization of mobile intelligent device, the financial
consumption habit of clients has changed greatly. On account of that, the Internet finance directly impacts bank business and client base,
banking industry is facing with new reform, and banking outlet, the traditional financial service channel, is facing with unprecedented
changes.
Internet and the mobile communication
technology change the original business handling
mode; therefore, bank is no more than a place,
but an action.
Client
Competition
What’s the future for Retail Branch Banking…?
Smart Banking Hall
Waiting AreaCash Service
Counter
Non-cash Service
Counter
www.centerm.com
Scheme characteristics
Convenient and
fast mobile
marketing
More compact
and efficient
financial service
process
Optimization and
integration of
counter
environment
Humanized and
intelligent business
handling experiences
Precision
marketing of
big data
platform
Integrate equipment and
simplify process
More humanized
transaction
Accelerate business
handling speed
Improve the customer’s
satisfaction
03
The smart business
hall in the view of
Centerm
www.centerm.com 04
Solution architecture
Smart business hall solution
Mobile
phone
APP
Tablet
PC APP
PC e-bank
QR code
Form-filling-free client
side
Queuing
number
and
number-
filling list
Form-filling-free server
Electronic signature and seal
system server
Evaluation of server
Core
server
Third party
server Encryption
server
Mobile terminal
Mobile
companion
Information
interactive
terminal
Form-filling-free teller side
Electronic signature and seal
system client side
Evaluation system client side
Core business system client
side
Inner counter multi-function reader-
writer
Printer
At the hall At the counter
OutdoorData center
User behavior
Integrated peripherals
Counter application: low, high counter
Mobile
Terminal
VIP room / Outdoor
Self-service terminal
Waiting area
All-in-One Thin
Client
Thin Client Integrated scannerInformation interactive terminal
Centerm Robot
Intelligent terminal
Pad mate
www.centerm.com
Service evaluation system
Electronic signature and seal system
Equipment management system Precision marketing system
Form-filling-free system
Provide humanized client form-filling
operation to replace manual form-filling
mode, achieve paperless pre-filling, save
the form-filling time of client, simplify
business handling process of teller,
promote user experience and enhance
business handling efficacy.
Combining with the staff service
evaluation function at information
interactive terminal, collect evaluation
data and generate report for querying
employee’s business handling of bank.
Provide various enquiry modes.
Combining with the electronic signature
function of information interactive terminal,
incorporate the signature and seal with the
pdf form for entering business information
to form the final electronic form so as to
replace the paper form and achieve
paperless.
Manage all accessed information
interactive terminals, integrated inner
counter multi-function reader-writer and
self-service terminals through server
side to remotely achieve the operations
of reading equipment information,
firmware upgrade and system upgrade.
Through client information
identification, the server side will access
bank CRM to obtain client relationship
information and display it on mobile
marketing equipment, such as Mobile
Companion, so as to help the clerk
achieve precision marketing.
Video and audio recording
system for financial service
During the process that the Client Manager
handles financial services, it provides
audio recording and video acquisition
function and saves video and audio
recording information by combining with
dual-camera high shot instrument.
Smart business system
www.centerm.com
Pre-filling at the mobile phone
Self-service terminal
Wait for your turn
Document
Verification
Informationconfirmation
Electronicsignature
Precisionmarketing
Service evaluation
Download the form
Car loan flow chart case
6 min
1 min
25 min
10 min
20 min
5 min
0
5
10
15
20
25
30
Hand writing Self Service
Filling time Queueing time Business time
Comparison and analysis diagram of business handling time
Optimize the form-filling experiences of client
Humanized and
intelligent business
handling experiences
Data source: Baotou Rural Commercial Bank
www.centerm.com
Intelligent counter equipment
Counter business handling
Business operating mode of traditional counter
Intelligent, integrated and peripheral desktop integration equipment
The traditional PC has the disadvantages of high cost, low system customization degree and security and maintainability not suitable to
window industry;
Peripheral diversified card reader makes the teller desktop crowded and cluttered, affects the working efficiency of teller;
In the business process, occasionally, the teller needs to operate several separate module peripherals, which is tedious.
Compared with traditional PC, with the characteristics of compact size, customized special use, security
and reliability, low cost and zero maintenance, the thin client can better meet the industry demand instead
of the PC;
Using integrated card reader integrating various financial modules to integrate counter desktop, release
space, simplify interface cable and achieve inner counter clearing and improve the business operation
efficiency of teller;
Use the information interactive terminal instead of the traditional password keyboard with unitary function,
which integrates functions of password keyboard, staff evaluation, information interaction and handwritten
signature, to realize outer counter clearing and make the client-oriented business process more clear.
Optimization and
integration of
counter
environment
www.centerm.com
Paperless electronic signature and seal
Counter business handling
Electronic signature mode
Signature mode of traditional client form
After completing the business, the client shall manually sign on the paper form for confirming business information, which will
severely consume paper resources;
It has poor user transparency on account of that the client cannot confirm the business information in the business handling process in
real time;
The information interactive function of outer counter multi-function reader-writer information interactive terminal can timely
display business contents after completing the business for business information confirmation of client. And the interface can be
consistent with the actual paper form;
After confirming the business information, the client can sign in handwritten at the corresponding position on the handwritten
electromagnetic screen of information interactive terminal. Electronic signature has better client somatosensory than signature
on paper with pen;
Electronic signature, electronic seal and form template will be integrated at the background to generate an electronic form with
complete business information, signature and seal. PDF electronic form can prevent manipulation and be verified with
signature, to guarantee the reliability. It can be sent to the client for saving through mobile phone and other platforms to save
paper resources.
More compact
and efficient
financial service
process
www.centerm.com
Create a true paperless branch
The paperless integrated business means eliminating the variety of paper involved in the traditional business process, using the form of data message to transfer and store.
Increased revenues
Decreased operational costs
Reduced risk and fraud
exposure
Enhanced customer service
Benefits
www.centerm.com
Founded in
1987
Fortune 500
189
Tier 1
Bank
76000+
Employees
1100+
Branches
Year
2015
$1
$25
Error on the counter reduced sharply
Get $25 paperless savings income
Counter business efficiency increase 22%
Investment on paperless solution
150M piece
paper used in
2014
Tens of millions
RMB paper cost
True paperless branch case
Data source: China Merchants Bank
www.centerm.com
Convenient mobile office
Outdoor mobile business handling
Counter business handling
It makes the business handling not be limited in the business hall through mobile marketing
terminal, and conducts non-cash business handling in the community, enterprise and campuses,
breaking through the original business limitation;
Supported by 4G network, the mobile terminal connects with the bank core system, therefore, the
clerk can conduct outdoor mobile door-to-door office without restriction of the place. High-speed
network communication and customized system client guarantee the high handling efficiency of
mobile marketing business.
Mobile marketing mode improves the business handling width and enhances the business
marketing height. Therefore, the clerk can communicate with the client more easily and obtain the
client’s trust to better achieve precision marketing.
Convenient and fast
mobile marketing
www.centerm.com
Business information data cloud platform
Big data cloud platform
Data cloud platform at server side
Integrating several function modules of form-filling-free server side, queuing server side,
evaluation server side, electronic signature and seal server, equipment management server side and
precision marketing server side, data cloud platform at server side is a large-scale multi-function
data storage cloud platform provided by Centerm, and is the core of the whole smart business hall
solution;
Data cloud platform can conduct big data mining to the various business information (such as,
form-filling information, evaluation information and peripherals using information) of industry
clients through intelligent equipment of Centerm, such as self-service terminal and information
interactive terminal, to help industry clients achieve precision marketing of client.
Precision marketing
of big data platform
www.centerm.com
Precision marketing solution
Big data cloud platform
Personalized client business handling
After the client enters the business hall, fills in the form and obtains the queue number, the data cloud
platform will collect and identify client information through intelligent terminals of Centerm.
If the client is identified as special client (Such as VIP client), it will access the CRM system of the
bank to obtain corresponding client relationship information, such as business handling habits, even
the hobbies and interests. To conduct precision marketing through these detailed client information.
Big data sources of precision marketing can rely on the big data cloud platform of Centerm, to
conduct big data mining through each intelligent terminal equipment and provide client-oriented
precision marketing solution.
Precision
marketing of big
data platform
Precision marketing
of big data platform
Interactive Terminal A10
Results:
Create a paperless environment delivering content and data more accurately and smoothly, while save 50% cost at least.
Interactive touch screen for promotion makes every touch point into banking sales opportunities.
Industrial and Commercial Bank of China (ICBC), the largest bank in the world by total assets and by market capitalization.
Challenge• Achieving a paperless environment, including forms to be
filled out and signed by customers.• Enable information interaction security.• Streamline communication between bank employees and
customers.
Solution1000 units of Centerm Interactive Terminal E10
Countertop Self-service Terminal E10
Results:
Simple to use under the guide of bank employees. Solve the problem of handwriting errors and illegible handwriting. Improved customer services with fast, reliable access to key
applications. Significantly reduce long queue for teller services.
Baotou Rural Commercial Bank, a joint-stock commercial bank with more than 60 years’ history.
Challenge• Provide self-service terminals to reduce customers’ time
spent on filling information forms without queueing up.• Improve bank employees efficiency.
Solution500 units of Centerm Countertop Self-service Terminal E10
Thin Client C92
Results:
Total IT costs (TCO) has fallen by up to 70% compared with PC-based architectures. Power consumption with thin clients is at least 50% less than PC environments. For lower space, minimum heat development and practically noiseless operation.
The Bank AL Habib Limited, one of the largest banks in Pakistan, has a network of 505 branches.
Challenge• Fast deployment in new branches• Save management time & costs• Transform to a digital banking• Create capacity for banking expansion
Solution1000 units of Centerm Thin Client C92 for local installed applications.
Thin Client H660
Results: Meet the bank’s application requirement of physical isolation of internal and external networks. Solve the security risk of physical resource sharing like RAM and hard disk Power saving and environment protection, lowering device purchasing and maintenance costs Highly improving working and maintenance efficiency
Challenge• Insure data & network security of the bank’s business system • Simultaneous running of both intranet & extranet OS• Improve working & maintenance efficiency • Lower costs and save counter space
Solution2000 units of Centerm Thin Client H660
China Construction Bank (CCB) ranks No.2 in China’s 5 state-owned banks with 14,917 branches all over China.
Mobile Marketing Device T9
Results:
Bring the banking services to customers locations , especially for those in rural areas.
Help branches to complete banking services on-site in short time instead of queueing up in bank.
Greatly improve bank competitiveness and customers satisfaction.
China Rural Credit Cooperatives, China‘s main official banking institutions servicing borrowers in the rural areas.
Challenge• Perform some banking business on-site, such as opening
bank accounts, online banking services and micro-credit.• Facilitate customers in rural and multi-sites.
Solution1000 units of Centerm Mobile Marketing Device T9for outdoor marketing.
Results: Mobile credit is realized with information collection efficiency highly improved Customer service quality and satisfaction are improved with mobile approval available The mobile counter with T5 realizes zero distance service for customers , fully meet the
personalized needs of customers .
Challenge• Realize mobile marketing and mobile service• Expand business range• Improve financial service efficiency
Solution300 units of Centerm Mobile Financial Terminal
China Rural Credit Cooperatives, China‘s main official banking institutions servicing borrowers in the rural areas.
Mobile Financial Terminal T5
Section 4 : Centerm Cloud payment solution
Cloud payment solution
Entire scenario, New ecosystem
Connect to the business entities and internet thru smart POS, provide the core solution for vertical sector.
Construction of precision marketing, omni-channel payment, big data, intelligent management integrated eco-system.
Smart cloud platform
Capable-pay
Secured OS
Confidence-pay
Colorful UI
Colorful-payConvenient SDK
Convenience-pay
Smart terminal
Completely-pay
Public network
LAN
Terminal
communication
Firewall
Bank front end
management
VPN
Telecom
Application
platformEncryption
management Database
Bank
Core system
Centerm
Business front end machine Cpay smart cloud platform Middleware
Bank Intranet
Branch 1Branch 2 Branch 4 Branch 5
MerchantsBranch 3
Cpay smart cloud platform solution architecture
Payment Terminal
C960F C960E C821V8
Smart cloud POS mPOS
Smart terminal
Product Certification
3CRadio Type Approval Network Access License
Smart POS security UnionPay Network License POS Terminal
Security
EMV2000
PCI4.0
PBOC3.0 QPBOC EMC Network
Testing
E-POS V8
Results: Provide full payment, member management, card & voucher cancel after verification
and precise marketing. Provide intelligent store operation and improve core competitiveness. "One-stop" mode to meet merchants’ multiple financial needs, saving multi-set devices,
lowering costs and improving customer experience
Lakala is a new-type financial service group, as China’sfamous third-party payment operators, it provides servicesof payment, credit, financing and community finance topersonal and business users .
Challenge • Realize intelligent store management• Increase high quality customer base• Reduce costs and improve customer experience
Solution100, 000 units of Centerm e-POS terminal V8 are deployed in the POS+ project cooperated by Centerm and Lakala.
E-POS C960E
Results: Efficiency of CNPC gas stations is highly improved with one-stop services. Establish more scientific products supply and marketing channels and network
services. Consumption experience is improved with multiple payment methods. Queuing time is shortened with self-service.
China National Petroleum Corporation (CNPC), China’s premier integrated energy company listed among top 10 of the world’s top 500 enterprises.
Challenge • Shorten customer’s waiting time for refuel • Improve the low efficiency of traditional payment methods • Make oil reserves more accurate
Solution300, 000 units of Centerm e-POS terminal C960E for CNPC gas stations .
Thanks for your attention!
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