ONLINE BANQProduct info

Technology Partner

COMPANY PROFILE• the only Ukrainian developer, fully focused on self-service banking:

internet banking, mobile banking as primary user-facing products

• Technology Partner

• multi-platform and finance services UX, banking back-end systems, cloud computing complex integration specialist, leading mobile and web developer

• we have not only software developers, but also banking IT, product managers, mobile and web UI/UX designers, business analysts and banking systems analysts

• Online BanQ - #1 banking self-service product in Ukraine by the copies sold in 2013

CHANNEL MIX PLATFORM

Internet

Smartphone

Call-center

ЭТОМУ КЛИЕНТ УДОБНО...

Проверять остатки по счетам здесь...

Пополнять мобилку здесь...

Смотреть выписку, контролировать расходы здесь...

Открывать депозит здесь...

Получать предложения

от банка здесь...

Искать ближайший банкомат здесь...

BanQ platform

Mobile App Internet-banking POI navigator

search closest ATM here...

get offers from the bank here...

top-up your mobile here...

look up your account balances here...

check your statement, control your expenses here..

open a savings account here...

Customer Satisfaction

Online

UNIFIED CHANNELSAdvantages for the client:

• Familiar interface, unified user experience

• Channel selection freedom

Advantages for the bank:

• More points of contact with the client

• More cross-sale and up-sale opportunities

• Cost saving on multi-channel product or service implementation

• Speed of multi-channel implementation

COMPETING OR COMPLEMENTARY?

…every channel has it’s purpose

Advantages/channel

SMSSMS

interactvemobile

browser web/online mobile native tablet kioskAvailable for all client categories +++ ++ + ++ – – +++

Easy to use +++ – – – – – +++ ++ +++ ++

Affordability – – – – +++ – – +++

Mobility +++ ++ + – +++ ++ – –

Rich functionality – + ++ +++ ++ +++ – – –

Cost-efficient implementation +++ + ++ + ++ ++ ++

Bank image ++ + + ++ +++ +++ ++

Cost-efficient support – – – – ++ + + + – –

Active sales (push notifications) ++ ++ – – – – +++ +++ – –

COMPETING OR COMPLEMENTARY?

different use cases…

SMS Mobile tablet web/online kiosk

Access device mobile smartphone tablet computer street kiosk

Usage location walking walking static, home/office or public place static, home/office street

Usage situation passive situational relaxed concentrated under pressure

Usage context any time any time, in pauses, multi-tasking

accompanied, public place, multi-tasking,

multi-screen

data entry, large screen needed,

focused

busy, dispersed attention, hands are not entirely

free

Reasons of usagecontrol, urgency, simplicity

usability, urgency, speed, always online

simplicity, effortless usage, information,

entertainment

functionality, productivity, necessity

speed, accessibility, necessity

Security low low medium high low* source: Fiserv

ARCHITECTURE

Client Platforms

Feature Frameworks

P2P Modules

Cloud Platform

Core Services

Internal Bank Platrofm

Business Intelligence

Facade Business Logic

Main Business

Logic Modules

Client OpenAPI

(Thrift)

Admin API(WS)

Third-party

apps and services

SOAP Gateway

REST Gateway

Business Intelligence

Core

Campaign Management

Financial Advisory

Social Profiles

Integration Layer

UkrCard

UPC

EasyPay

B2

Scrooge

BSS

CRMsCRMs

Custom ESB

BanQ Platform Frameworks

iOS Framework

Android Framework

Windows 8 Framework

WP8 Framework

Web Framework

APIS

Client Delta POI

User Profile

Push Notifications

Management Console

Cloud Core POI Core

Integration Services

Custom

Finlocator

Finance.ua

NFC

QR

AddressPay

PayByLink

AirPay

InterPush

AppURL

EasyPass

FB Login

Gamified Savings

Apple, Google, MS Push Notifications Services

Bank ESB

Custom Third-party

services

Custom bank services

BUSINESS LOGIC MODULE

Business Logic Core

Core

Auth

Exporters

Feedback

AccountMgr

eWalletMgr

LoanBasics

LoanOp.

LoanNotific

SavingBasics

SavingOp.

SavingCreator

CardsCore

CardOp.

CardMgr

eCards

Operation Templates

Arbitrary Operations

Bill Presentments

Bill Presentments

Internal interaccount

transfers

Account-to-card

transfers

SWIFT SEP

Rules and Limitations

LoanRepayAutosavings

Autobilling

BANQ FUNCTIONALITY

Finance • My bills - bills, templates, recurring payments, integration with bill aggregators • My products - account balances,, statements, switch to payments • My transactions (+ repayment reminders Push N.) • Statements - account statements per product, transaction details • Service - block the cards, tighten limits, other risk mitigation settings • Personal Home Finance

CRM • Bank info - bank information, «Become a client» button • News - financial RSS-feeds, messages from the bank • Bank products and services (+ hot deals with Push Notification) • Currency rates, credit and deposit calculator • ATM’s, branches, consumer finance points of presence (list and map with itinerary) • Contact - phone numbers, email, Skype to contact the bank • Campaign Management - client feedback, questionnaires, personalized deals

BANQ DEVELOPMENT HISTORY

the core team has earned experience on the in-house project at Alfa-Bank Ukraine. MyAlfabank self-service system is steady Forbes top-3 in Ukraine

BANQ DEVELOPMENT HISTORY

our first mobile Finance app has been developed for the Alfa-Bank Ukraine back in 2010

BANQ DEVELOPMENT HISTORY

first CRM app implementation at Pravex Intesa

PAYMENT SYSTEMS EXPERIENCE

We have developed the first mobile app for the portmone.com bill aggregator in 2009 and gained payment systems experience early

BANQ ADVANTAGES• 100% campaign-management readiness

even without CRM integration (!!!)

• 100% channel expansion readiness adding a channel (kiosk, mobile app, game etc) won’t require additional customization: API is open and documented

• Usability – top prioritycareful rigorous usability design: we do not «draw a face» for the backend systems, we build solution for the retail client needs

• Client behaviour measurements second top priority: “measure means manage”

• Personal Home Finance new trend in the retail banking

• Lower TCO our license is unlimited at this moment, we do not charge per user or transaction yet and will never be charging for the existing customers (this is time limited offer)

OUR PROJECTS

CRM mobile at Delta Bank Ukraine

OUR PROJECTS

Finance mobile at Delta Bank Ukraine

OUR PROJECTS

tablet is not just a larger screen but also different usage environment, followed by different functionality

OUR PROJECTS

every client gets own beautiful and highly convenient interface design

OUR PROJECTS

usability - our top priority

OUR PROJECTS

Personal Home Finance is widely wanted by retail banking nowadays

OUR PROJECTS

• Every client believes in different focus for the consumer

OUR PROJECTS

not only banks but payment providers: we have developed and we’re maintaining iOS platform for EasyPay

ONLINE BANQ R&D• big data analysis: CRM deep dive, personalized marketing and cross-selling, based

on user history and habits, environment, geolocation and other statistics

• online stock market access and shares trading

• interface complexity levels for the users with different knowledge of banking products and computer skills, self-training user environment, self-tuning dashboard

• mixed information sources, presenting not just info on the specific bank, but comparison tools for the financial markets - all needed tools for the client

• user passport, deep integration with other resources, pay-by-click ecosystem, transaction stimulation tools

• offline app payments with NFC and QR Codes

• gamification

• P2P payments, seamless products

• e-wallet, milti-bank

• ATM link, in-ATM software apps, card-less ATM cash withdrawal

USER PASSPORT, PAYMENT ECOSYSTEM• Same as Google, one-

time passport login + usage passport at supporting resources.

• Using FB or Google account to login to internet banking. Using FB/Google login to access user data for CRM processing

• Pay-by-click: no need to expose client’s credit card on the Internet

• Huge cross- up-sale potential

• EOD consolidated invoice payment

GAMIFICATION• “Why is gamification a good idea for

the financial industry? Because banking sucks!” :-)

• 53% gamers aged 18-49

• 55% gamers play on smartphones (front-office of the future)

• it’s not about gambling or playing with money, it’s more about using the psychological mechanisms that make games so successful in society

GAMIFICATIONAwards Status Achiev-ts Self-

expressionCompetition Altruism

M O T I V A T O R S

Points

Levels

Challenge

Virtual goods

Scores, rates

Charity, gifts

G A

M E

M

E C

H A

N I

S M

S

Primary motivator Secondary motivators

GREAT TEAM IS READY TO WORK FOR YOU!• implementation and PRODUCTION USE experience on the

bank side we know the bank from inside, we know the issues, so we know how to avoid the roadblocks and make our projects successful

• unique competency mix: IT integrators + Banking Product Managers + UI/UX professionals • closer to the banking, then generic IT outsourcing companies • competency! we know a bit more then «web studios» in banking • local knowledge: we study the markets we work on

• the team is located in Ukraine better grip with Eastern Europe practices, nearshore, highest development quality, reasonable pricing

/deviq.com.ua @deviq http://banq.com.ua /deviquahttp://dev-iq.com !

+380(44)5877483 / +7(499)6080901+43(676)3640636

sales@banq.com.ua

CONTACT US

Technology Partner