1. an Axxiome Group company.
Mobile Solutions For Financial Institutions
Customers and Employees

2. Axxiome Group
Axxiome Group offers a wide range of consulting services in the financial
industry. They specialize in the areas of Core Banking, Core Insurance, and
Corporates Treasuries systems with a strong focus on SAP products.
2InnovateIT is a company specialized in financial software to complement the
capabilities of legacy systems. With strong focus on functional areas around the core
banking such as: Payment Systems, BackOffice & Teller Front-Ends, Loan
Origination Systems, Mobile Solutions, Business Intelligence.

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
Brasil
Colombia Office
Axxiome Colombia SAS
Argentina Uruguay
Office Axxiome Uruguay SA
2innovate IT
Software Factory
Software Factory

4. Strong focus in 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-Ends.
 Phone & Web Channels, integration –
EAI.
 Loan Origination Systems.
 Business Intelligence.
 Mobile Solutions for Customers and
Employees.

6. What does mobility mean in the
financial world ?

7. Why is mobile banking a good business ?
 Enables banks to deliver existing services  Improves security by adding another layer
via mobile phones so customers have of security (customers use the or a
access to account anytime, anywhere. message as an alternative to One-Time
Personal Identification Number generator
or tokens).
 Reduce cost of delivering customer  Enhance marketing opportunities by
service over more expensive introducing a more immediate and
channels such as Call Center, Branch personalized communication over mobile
personnel and ATMs. phones.

8. What does mobility mean in financial institutions ?
 Accelerating the bank business. Mobilizing workflows and business data.
 Supporting field activities, Sales, Operations and Decision Support at all levels.
 Improving customer loyalty.
 Improving customer services in branches.
 Increasing the volume of transactions by remote channels (mobile).
 Reducing the time cycle in banking processes. For example Loan Origination,
Freeze a Credit Card, Extend a Credit Card limit.
 Providing an economical channel for low-value transactions.
 Integrating mass unbanked population, to instruct their mobile transactions.
 Going into business, where they are not present yet (Remittances,
Collections Utilities, Collections Bulk Services), using mobile channel.

9. an Axxiome Group company.
Mobile Offering for Financial Institutions
Customers & Employees
M-Banking
4 Employees

10. Services Offering - Mobilize financial institutions.
 Consulting to mobilize the bank. Strategy. Experts
on financial business and technologies, looking to
get more profitability with mobile solutions.
 Tailored Development & Deployment of mobile
solutions with Sybase Unwired Platform & Afaria
(MADP & MDM). Software Factory's in Uruguay,
Argentina and Poland. Architects and functional
analyst on site.
 Integrating Sybase 365 with any core banking.
 Customizing & Deployment with Sybase 365.
Mobile for Customer & Corporate Banking.
 Maintenance & Support 7x24.

11. Products Offering - Mobilize financial institutions.
MOBILE for Employees
MOBILE for Employees Mobile for CUSTOMERS
Mobile for CUSTOMERS
 Axxiome. M-Banking4E. Mobile Banking  Sybase. Mobile for mCommerce 365.
For Employees. Is an app to support  Is a suite of mobile services that enable
activities of bank workers, field force, to Retail and Corporate customers to
and the decision makers of the bank. access and operate with their accounts,
Enable bank workers to make their job anywhere and anytime.
anywhere and anytime.
 Orignation Process for Sales  mBanking 365 – Mobile Banking
Force. Customers.
 Specialized Dashboards for the  mPayment 365 – Mobile Payments.
CEO, COO, CFO, CTO.  mRemmitance 365 – Mobile
 Foreign Trade. Remmitances.
M-Banking
4 Employees

12. Mobile for Employees – M-Banking4E.
Sales Force Enablement
Key Functions
 List of assigned customers.
 Loan Origination Process (Loans, Credit Cards).
 List of products that they do NOT have and you can offer.
 Enquirie Customer Total Commitment.
 Tab of the Customer, Contact Data, View on Map.
 Check rates per product and currency exchange rates.
 Alert of accounts receivable to call early in the day.
 Alert of renewals of fixed term for the day.
 Requests/Response for authorizations. (overdraft check, etc).
 ..............................
Executive Dashboards
Key Functions
 Executive Dashboard with a Real Time overview of the health
of their organization.
 Dashboards for CEO, CFO, COO and CTO.
 Ability to do approvals, of authorization requests.
 Receive notifications about relevant events that affect their
company, to react in real time to dynamic business
conditions. Alerts.
 …………………………………

13. Enterprise Use of Mobility...Today!
Dashboards
Mobile Enterprise Application Platform
Email
Execs
Workflows
Contacts
& Business
Process
Line of Business
Managers
Approval
Requests Calendars
Field
Service CRM
Task & Business Users
Time & Scheduling
Expense & Dispatch

14. Implementing
mCommerce 365
Mobile for Customers

15. Mobile for Customers.
mBanking 365 mPayments 365 mRemmitances 365

16. 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 • Consumer convenience branches
Customer Centricity • mCommerce growth • Govt pressure to extend
• Legacy infrastructure financial services to
• Demand for cash underbanked/unbanked
being replaced alternatives in emerging
• Channel focus markets • Competitive pressure
• Smartphone/Tablet boom • MNO seek higher ARPU • Mobile the only access
channel for Internet
• Drive Card Usage - Extend • Govt Support and
Loyalty programs to encouragement for • Govt’s looking to lower
phone to drive targeted financial inclusion cost of disbursement
campaigns to promote programs programs and prevent
card usage corruption
• Opportunity to get a piece • Deposits and account
• Potential to promote of P2P and Intl Remittance
brand and unify silos in pie due to high cost of openings
one application – alternate providers like
Insurance, Banking, WU
Mortgage for eg.

17. Offering – mCommerce 365
EVOLUTION OF REQUIREMENTS
Mobile Banking Mobile Payments mRemittance
Mobile Money
End User End User
• End User
AirTime TopUp Balance,Statement,Bill Pay
• Account balances P2P, Bill Pay, Intl Remittance Transfer,Cash In/Cash Out
• Transaction History Merchant Payment Merchant Payment,
• Account details Agents Micropayments, Loan
KYC details/collection Repayments
• Card Management
Cash In/Cash Out Agents
• PIN Management KYC details/collection
Merchant
• Complaints Management Merchant portal , fee tracking Cash In/Cash Out
• Notifications/alerts Merchant onboarding Merchant
• User preferences such as Backoffice Merchant portal
languages or limits Settlement, Clearing, Fee Merchant reports , fee tracking
distribution Backoffice
• Backoffice functions GL, Settlement, Clearing, Interest
Customer Support
• Reports etc Blocking, enabling, reversals rate calculation, Bulk Payments
Customer Support
Blocking, enabling, reversals
Cost Savings New Services New Value

18. Offering – mCommerce 365

19. Why Axxiome / 2 innovate IT ?
 We are a innovating company, with more than 200 years of experience in the banking
business. We work thinking in the bank of 2020 year.
 We have a strong focus in financial industry only, implementing with SAP, Sybase and
our own products (4x4 Transaction Broker) Certified, by SAP & SWIFT. The best tools
to build solutions in the financial industry.
 We have a matures software factory’s located in Uruguay, Argentina and Poland,
with reasonable costs.
 We are Global strategic 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,
implementing Core Banking’s, Core Insurances and Payment Solutions. For the most
demanding customers, Banks & Insurances Company's.

20. We share the SYBASE’S vision of the unwired Enterprise
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

21. Thanks for your time.!!!
Questions ?
ivan.kechichian@2innovateIT.com
ivan.kechichian@axxiome.com