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Engagement Banking - Mobile Copyright © 2010 Backbase. All Rights Reserved.

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INTRODUCING : RICH PORTAL SOFTWARE

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What we Deliver : Portal Solutions for Financials + Customer Engagement Expert Services Customer Engagement Portal Software (Backbase & Partners )

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WE WORK GLOBAL

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Value Proposition Customer Experience Solutions

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Vision (1) : Outside-In = Customer Enablement INTERNAL SYSTEMS AND PLATFORMS INSIDE-OUT APPROACH Copyright © 2009 Backbase. All Rights Reserved. WEB ENABLEMENT OUTSIDE-IN APPROACH Customer Enablement CUSTOMER EXPERIENCE

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Vision (2) : Multi-Channel Interaction CCC Branch Visitor / Customer Advisor Agent Integrated Information., accessible from a single point SAME INTERFACE ACCESS RIGHTS INFORMATION TOOLS Access depending on authorization Level The right info, to the right user, at the right time The right functionality, to the right user, at the right time Mobile Web

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Vision (3) : One Platform , Multiple Devices Desktop Tablets Smartphone BACKBASE Bank 2.0 Portal Social Networks Cloud Content, Data & Services Enterprise Content, Data and Applications unified desktop Front Office

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Vision (4) : Widgets Re-usable Mini Apps Bank 2.0 Portal Public Website Online Banking CCC / Branch Portal Mobile Banking 1:1 customer treatment (targeting, segmentation) Business Rules collect customer preferences (implicit & explicit) Customer Profile Transcational Core Banking CRM, … Other Back-end Functions PFM, … 3 rd Party Functions Consistent across Channels Content Simulation, Calculators, … Advisory Tools Re-Usable Widgets

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Vision (5) : One Customer Engagement Platform Web Site 1.0 Core Banking Systems & Processes Customer Engagement Platform Superior Experience Any Place Any Device Personalization & Targeting Application Integration Easy Portal Management Social Integration Customer In Control Interactive Forms & Calculators

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Mobile Strategy Next Generation Portal Software

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Mobile Strategy : Approach Matrix SMS Experiences where the goal is to alert users of new information Website Experiences where the goal is to provide users with basic information Widgets Experiences where the goal is to offer users easy to use mini apps Native App Experiences that take advantage of the capabilities of the native device

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Mobile Strategy : Approach Matrix

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Mobile Strategy : Ubiquity Principle Ubiquity Principle The easiest approach to produce quality content and services for the largest available audience, will always win

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Ubiquity Principle : (1) Fragmentation <ul><li>“ Getting one application on one platform is a snap, but getting it on 2 is a challenge, 5 is a costly headache, and supporting fifty is virtually impossible” </li></ul>

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Ubiquity Principle : (2) The Web <ul><li>“ Betting against the Web right now, is silly. Mobile apps will move more and more from Native to Web” </li></ul>

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Ubiquity Principle : (3) Distribution & Updates <ul><li>“ The Web model offers a single code base and incremental updates across all devices” </li></ul>

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Ubiquity Principle : (4) User Experience <ul><li>“ The User Experience of the Web model is still limited and needs drastic improvement” </li></ul>

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Ubiquity Principle : (4) Customer Expectations “ Customers expect things just to work”

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The Solution : Widgets & HTML5

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Solution : Widgets & HTML5 Widgets / HTML 5 BACKBASE Portal Social Networks unified desktop Front Office

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HTML(5) Widgets : Run across multiple Devices

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HTML(5) Widgets : Tier-A Browsers

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HTML(5) Widgets : Same Experience as Native Apps

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HTML(5) Widgets : Progressive Enhancement Basic HTML HTML5

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HTML(5) Widgets : Native Device Access App Store HTML5 App Local Cache Geo Location Vibration Sound Camera

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HTML(5) Widgets : Native Device Access Native App Wrapper App Store HTML5 App Local Cache Geo Location Vibration Sound Camera

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Summary : Widgets, HTML5, Native Wrapper Backbase Portal : Any Place, Any Time, Any Device

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WWW.BACKBASE.COM [email_address] SAN FRANCISCO: +1 866 800 8996 AMSTERDAM: +31 (0)20 465 8888 MORE INFO