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Axx2inn mobile offering-v038
1. an Axxiome Group company.
Mobile Solutions for Customers and Employees
of Financial Institutions
2. Axxiome Group
Axxiome Group offers a wide range of consulting services for the financial
industry. We specialize in the areas of Core Banking, Core Insurance, and
Corporate Treasury systems with a strong focus on SAP products.
2InnovateIT specializes in the development of financial software to complement the
capabilities of legacy systems, focusing on functional areas around the core banking,
such as: Payment Systems, BackOffice & Teller Front-End Systems, Loan
Origination Systems, Mobile Solutions and Business Intelligence with a strong
focus on Sybase technology.
3. Global Presence
Canada Germany
Axxiome Canada Ltd. Axxiome Dtl. GmbH
UK
Axxiome UK Ltd.
Poland
Axxiome Polska Sp. z o.o.
USA
Axxiome Americas Inc
Software Factory
Switzerland
Axxiome AG
Mexico
Office
Brazil
Colombia Office
Axxiome Colombia SAS
Argentina Uruguay
Office Axxiome Uruguay SA
2innovate IT
Software Factory
Software Factory
4. Strong focus on financial institutions.
Banking Insurance Corporates
SAP Consulting
Services
● ● ●
SAP Technology
Services
● ● ●
Software
Products
● ●
Application
Support
● ●
5. 2innovate IT - Services
Consulting and Development:
Payment Systems.
BackOffice & Teller Front-End Systems.
Phone & Web Channels, integration –
EAI.
Loan Origination Systems.
Business Intelligence.
Mobile Solutions for Customers and
Employees.
7. Why is mobile banking a good business ?
Enables banks to deliver existing services Improves security by adding another
via mobile phones, so customers can security layer (customers use the or a
access to their accounts message as an alternative to the one-time
anytime, anywhere. Personal Identification Number generator
or tokens).
Reduces cost of customer service Enhances marketing opportunities by
delivery over more expensive introducing more immediate and
channels, such as call center, branch personalized communication over mobile
personnel and ATMs. phones.
8. What does mobility mean for financial institutions ?
Accelerated banking business by mobilizing workflows and business data.
Support of field activities, such as sales and operations and decision support at
all levels.
Improved customer loyalty.
Improved customer service at the branches.
Increased transaction volumes through remote (mobile) channels.
Reduced time cycle of the banking processes. For example: loan
origination, blocking of a credit card, credit card limit increase.
A cost efficient channel for low value transactions.
Integration of unbanked population through their mobile transactions.
Getting into areas of business where they are not present yet
(remittances, payment of utilities, payment of taxes and services) by using the
mobile channel.
9. an Axxiome Group company.
Mobile Offer for Customers & Employees
M-Banking
4 Employees
10. Service Offer - Mobility for Financial Institutions.
Consulting services and strategies to mobilize the
bank. Experts on the financial business and on
technologies aimed at increasing profitability with
mobile solutions.
Tailored made development and deployment of
mobile solutions on Sybase Unwired Platform &
Afaria (MADP & MDM). Software factories in
Uruguay, Argentina and Poland. On site architects
and functional analyst.
Integration of Sybase 365 with any core banking.
Customization and deployment using Sybase 365.
Mobile solutions for customers and corporate
banking.
Maintenance and support 7x24.
11. Product Offer - Mobility for Financial Institutions.
Sybase Unwired Platform AFARIA
Mobile for Client of FIs MADP - SUP MDM
mBanking 4 Employees
POS mobile
mRemittances mPayments
12. Product Offer - Mobility for Financial Institutions.
MOBILE for Employees
MOBILE for Employees Mobile for CUSTOMERS
Mobile for CUSTOMERS
Axxiome. M-Banking4E is a mobile Sybase. Mobile for mCommerce 365 is a
banking app for employees aimed at suite of mobile services that enables
supporting activities of account officers, Retail and Corporate customers to
sales force staff and decision makers of access and operate their accounts,
the bank enabling them to work anywhere and anytime.
anywhere and anytime.
Origination process for the mBanking 365 – Mobile Banking
Sales Force. Customers.
Specialized dashboards for the mPayment 365 – Mobile Payments.
CEO, COO, CFO and CTO. mRemmitance 365 – Mobile
Foreign Trade. Remmitances.
M-Banking
4 Employees
AFARIA - MDM
13. Mobile for Employees – M-Banking4E.
Sales Force Empowerment
Key Functions
List of assigned customers.
Loan Origination Process (Loans, Credit Cards).
List of products clients do NOT have and may be offered.
Query on the customer’s Total Commitment.
Customer Data, Contact Data, View on Map.
Interest rates per product and currency exchange rates.
Alerts on accounts receivable to call.
Alerts on renewals of fixed term deposits.
Requests/Response for approvals. (overdraft check, etc).
..............................
Executive Dashboards
Key Functions
Executive Dashboard with a Real Time overview of the health
of the organization.
Dashboards for the CEO, CFO, COO and CTO.
Approval and authorization request capabilities.
Notifications about relevant events that affect the company
so as to react in real time to dynamic business conditions.
Alerts.
…………………………………
14. Enterprise Mobility Use...Today!
Dashboards
Mobile Enterprise Application Platform
Email
Execs
Workflows
Contacts
& Business
Processes
Line of Business
Managers
Approval
Requests Calendars
Field
Services CRM
Task & Business Users
Hours & Scheduling
Expenses & Dispatch
15. Managing and Securing the Device Lifecycle
Provision Production
Manage Manage
• Assign group membership and policies • Track asset data
• Configuring device for connectivity • Update/repair software
• OTA delivery of management client • Monitoring & self-healing
• Initial application deployment • Maintain/modify device & app configuration
• Distribute & update LOB data & files
Secure • Software license usage and tracking
• Establish security policies • Scheduled and automate activities
• Initialize power-on password • Remote Control of devices
• Install and encrypt data on device
• Install & configure AV, firewall,
port/peripheral controls Secure
Decommission • Back-up device data
• Apply patch and security updates
Decommission • Enforce security policies
• Monitor/track security violations/threats
• Compliance activity logging
Secure
• Disable lost/stolen device Manage
– Remote kill/lock • Reprovision/reimage device
– Access violation lock – Replacement device-same user
– “Data fading” – Repurposed device
• Disable device, network, application • Redeploy software assets
access • Restore data (after device kill)
17. Mobile for Customers.
MOBILE COMMERCE – Mobile Wallet
Mobile Payments and
Mobile Banking
Money Transfer
The mobile phone is used as
The mobile phone is used as a
an access channel to
payment device to to transfer
financial services over Bank
money from one party to
Accounts.
another.
mBanking 365 mPayments 365 mRemmitances 365
18. Growth Drivers
Mobile Banking Mobile Payments Mobile Money
• Competitive Pressure • Competitive Pressure • Cost of acquiring new
• Banks focused on • Phone penetration customers and opening
Transformation and a • Consumer convenience branches
Customer-centered • Government’s pressure to
approach • mCommerce growth extend financial services to
• Legacy infrastructure being • Demand for cash under-banked/unbanked
replaced alternatives in emerging population
markets • Competitive pressure
• Channel focus
• MNOs seek higher ARPU • Mobile as the only access
• Smartphone/Tablet boom
• Government Support and channel to Internet
• Card Usage Encouragement encouragement for financial
– Take advantage of the inclusion programs • Government ‘s search to
mobile phone to extend lower disbursement
loyalty programs by driving • Opportunity to get a piece of program costs and prevent
targeted campaigns to the P2P and Intl. Remittance corruption
promote card usage pie due to high cost of • Deposit and account
alternative providers like openings
• Potential to promote WU
brands and unify silos in
one application – Insurance,
Banking, Mortgage for ex.
19. An integrated mCommerce solution - Functionalities
EVOLUTION OF REQUIREMENTS
Mobile Banking Mobile Payments Mobile Money
End User End User End User
Account balances AirTime TopUp Balance, statement ,bill pay
P2P, Bill Pay, Int’l Remittance Transfer ,cash in/cash out
Transaction history
Merchant Payment Merchant
Account details payment, micropayments, loan
Card management Agents repayments
PIN management KYC details/collection
Cash in/cash out Agents
Complaints management KYC details/collection
Notifications/alerts Merchant Cash in/cash out
Merchant portal, fee tracking
User preferences such as Merchant
Merchant on-boarding
languages or limits Merchant portal
Back office Merchant reports, fee tracking
Back office functions
Settlement, Clearing, Fee
Reports, etc. distribution Back office
GL, settlement, clearing, interest rate
Customer Support calculation, bulk payments
Blocking, enabling, reversals
Customer Support
Blocking, enabling, reversals
Cost Savings New Services New Value
21. Why Axxiome / 2 innovate IT ?
We are an innovative company with more than 200 years of experience in the banking business.
We have been working with our minds set on the year 2020 banking style.
We have a strong vertical focus on the financial industry, implementing SAP for Banking, Sybase
and our own products (4x4 Transaction Broker) certified by SAP & SWIFT. The best tools to build
solutions for the financial industry.
We have mature and cost efficient software factories located in Uruguay, Argentina and Poland.
We are a strategic global partner of SAP for Banking and Insurance Services. We have certified
consultants in BAS & Mobile Solutions.
We have a big team of consultants around the world specialized in all areas of the banking
business. More than 300 consultants working in the most complex projects and implementing
Core Banking, Core Insurance and Payment Solutions for the most demanding customers, Banks
& Insurances Companies.
22. We share SYBASE’S vision of unwired enterprises
INFORMATION INFORMATION
MANAGEMENT MOBILITY
Any Application Any Device
DECISION-READY
INFORMATION
Any Server Platform Any Person
INTEGRATION COLLABORATION
Any Data Always Available
MANAGE ANALYZE MOBILIZE
23. Thanks for your time!!!
Questions ?
ivan.kechichian@2innovateIT.com
ivan.kechichian@axxiome.com
www.Axxiome.com
Hinweis der Redaktion
Nuestra casa central esta en Suiza.Tenemos oficinas en Europa, Alemania, Inglaterra y Polonia.Américas tenemos oficinas en: EEUU, Canadá, México, Brasil, Colombia, Argentina y Uruguay.Tenemos Software Factorys en Uruguay, Argentina, Brasil y Polonia.Trabajamos con Consultores Funcionales onSite y construimos donde están nuestras software factorys..La empresa emplea a mas de 350 consultores y técnicos a nivel global.Somos partnerestrategico de SAP, para la consultoria e implementacion de soluciones de Core para Banca, Seguros y Tesorerías Corporativas.
2Innovate IT es la Division de Innovacion de Axxiome Grupo.- Creamos y productos y trabajamos en diferentes líneas de investigación.Trabajamos en Reconocimiento Facial.Mobile Solutions.Medios de Pago.
Sistemas de Pagos. (SWIFT, NACHA, ISO8583, CNAB, XML, Formatos Propietarios)Pagos entre instituciones Bancarias y financieras: Pagos Interbancarios, Giros, Transferencias, Débitos Directos, Créditos.Pagos entre Empresas y Empresas-Bancos.Ruteos y autorizaciones de pagos.Incorpora múltiples Instituciones de Pagos basadas en: Swift, Nacha, SEPA, ISO, ACHs.Procesos: Reconciliación, Compensación, reparación y seguimientos de pagos.Cash ManagementExperiencia y especialización en Banca Corporativa.EIPP: ElectronicInvoice, Presentation and Payment.Collection Management y manejo de disputas.Factoring.Confirming.TellerDepósitos en cuenta propia o de terceros.Pagos de Prestamos, Cheques, Tarjetas.Pagos de Servicios, Multi-recaudos. (Agua, Luz, Teléfono, Impuestos, TV Cable.Cambio de Monedas.Manejo de Múltiples Medios de Pagos (cash, cheques, lingotes, etc.)Operaciones No Monetarias.Operaciones clásicas (Apertura, Cierre, Arqueo, Reposición, Retiro, Reportes).Dispositivos: Impresoras, contadores, recicladores, clasificadoras, dispensadores, pin pads, etc.BackofficeConstrucción del Front-end para las operaciones y procesos del Backoffice y Frontoffice (no cajas).Creación y registración de nuevos clientes.Originaciónde Cuentas y Productos.Generación de Prestamos.Alta de tarjetas en línea.Generación de órdenes de pago recurrentes o única vez.Solicitud, cancelación de Chequeras.Solicitudes y seguimientos de reclamos o incidentes.Excelente time tomarket para crear nuevos productos.Business IntelligenceGran experiencia y especialización en Modelado de Datos en sector financiero.Homogeneización y consistencia de Datos del Negocio.Soporte a Toma de Decisiones.Seguimiento Plan Estratégico.Mejora de la competitividad.Centralizar, Depurar y Afianzar los datos.Maximizar el rendimiento de los sistemas.Bajar el CTO y mejorar el ROI en IT.ChannelsIntegración de los canales de venta o comunicación con el negocio (WEB, Mobile, Phone, Fax, etc.).Integración de canales financiero con las app del negocio (Buro de Créditos, Listas Negras, Canales de Pago, ACH, etc.).Desarrollos de soluciones de nicho multicanales (Mobile, WEB, Phones, Fax).Solución de banca móvil y pagos móviles.Banca on line WEB (Homebanking).Solución de créditos retails.Soluciones de IVR y ACD para IP Phone.Soluciones basadas en FAX entrantes / salientes.
Como agrega valor Mobile Computing en BankingServices.Acelerar el negocio del banco, movilizando Workflows y datos del negocio.Soportar las actividades en campo, Ventas, Operaciones, Soporte a las Decisiones en todos los niveles gerenciales.Mejorar los servicios de atención a clientes en las sucursales.Incrementar el volumen de transacciones a través de dispositivos móviles (smartphones y tablets).Reducir los ciclos de procesos. Otorgamiento de Prestamos, Servicios a clientes, etc.Proveer un canal económico para transacciones de baja denominación.Integrar las grandes masas de la población que no están bancarizadas, para que transaccionen a través de sus móviles.Ingresar en negocios, donde hoy el banco no participa (Ej. Remesas, Cobranzas de Servicios Masivos y Utilities, Agua, Luz, Teléfono, Impuestos, Cable).
Pensando en la fuerza de ventas.Cartera de clientes y/o prospectos asignados al oficial de cuentas.Originacion de Prestamos (Sobregiro en Cuenta, Autos, Tarjetas de Crédito, Personal).Consulta del offering disponible para un cliente, o sea Lista de productos que NO tiene y se le pueden ofrecer.Vista unica del clientes, Posicion, Productos que no tiene.Datos de cliente, Datos de Contacto, Ubicación en el mapa de sus direcciones registradas.Consulta de Tasas de productos y Tipos de Cambio de monedas.Lista de las cuentas por cobrar que vencen en el día.Lista de renovaciones de plazos fijos en el día.Requerimientos y Autorizaciones (sobregiros en cuenta, cheques sin fondos, etc.).Pensando en el nivel gerencial alto y/o intermedio.Dashboard ejecutivo con una imagen en tiempo real de la salud del banco.Dashboards especializados con indicadores clave para cada gerencia (CEO, CFO, CTO, CIO, etc)Capacidad para dar aprobaciones y autorizaciones, de forma segura, trazable y controlada.Notificaciones de eventos relevantes que puedan afectar al banco, para reaccionar en tiempo real a las condiciones cambiantes del mercado.Alertas de negocio.
El desafío es extender los procesos de negocio desde el escritorio hasta el móvil.La movilidad se está adoptando en toda la empresa - las tareas de los usuarios, los ejecutivos de negocios y gerentes de línea de negocio, lo usan cada vez mas. Aunque sus necesidades de movilidad pueden variar, una única plataforma se puede utilizar para tratar tanto la creación de aplicaciones y la gestión de los dispositivos, así como las necesidades de seguridad, lo cual ayuda a reducir dramaticamente la complejidad y el costo.Lo que surge del grafico es que NO estamos hablando de un cierto tipo de aplicación o dispositivo, o una función dentro de la empresa, estamos hablando de lo que la movilidad significa dentro de la empresa.Problema que debe ser abordado desde una perspectiva de la infraestructura multi-funcional.La capa inferior es donde Sybase ha sido históricamente fuerte, la adquisición por parte de SAP ha puesto a la plataforma en la posición ideal para expandirse hacia arriba. Puesto que todos los clientes de SAP ya tienen estas necesidades.
Empresa innovadora, con la visión apuntando a la banca en 2020.Fuerte foco y especialización en Banca, Seguros y Tesorerías Corporativas.Software Factorýs Maduras. Listas para hacer delivery de proyectos.Partnership Global con SAP para BankingServices.Un gran equipo de consultores experientes, implementando sistemas core, para los clientes mas exigentes. La industria financiera.
La visión de SybaseEn cualquier lado.En cualquier dispositivo.En cualquier momento.Cualquier sistema.Cualquier dato.En cualquier plataforma.Es accesible, de forma segura, administrada y controlada.Integracion y Colaboracion ON LINE, en la toma de decisiones y el desempeño de la organización.