BSFI Technology Offerings by Value Innovation Labs

Value Innovation Labs Offerings
For BFSI Industry
DIGITAL BANKING INSURTECH

BLOCKCHAI
N
ARTIFICIAL INTELLIGENCE
CYBERSECURITY SERVICES
ROBOTIC PROCESS AUTOMATION
DIGITAL
BANKING
CHATBOTS
Top Digital Transformation Trends for BFSI in 2019
Digital Banking Market is anticipated to surpass USD 9 trillion mark by 2024.
The global blockchain technology
market size is expected to reach USD
57,641.3 million by 2025, registering a
CAGR of 69.4% from 2019 to 2025
The global artificial intelligence
software market is expected to
experience massive growth in
the coming years, with
revenues increasing from
around 9.5 billion U.S. dollars
in 2018 to an expected 118.6
billion by 2025.
The global cybersecurity market
size is forecasted to grow to 248.26
billion U.S. dollars by 2023.
Robotic process automation (RPA)
software revenue grew 63.1% in 2018 to
$846 million, making it the fastest-growing
segment of the global enterprise software
market, according to Gartner, Inc. Gartner
expects RPA software revenue to reach
$1.3 billion in 2019.
In 2018, the global digital banking
market size was 5180 million US$ and it
is expected to reach 16200 million
US$ by the end of 2025, with
a CAGR of 15.3% during 2019-2025.
The global chatbot market size is
expected to grow from USD 2.6
billion in 2019 to USD 9.4 billion
by 2024, at CAGR of 29.7%

IT Solutions & Consulting
▪ Loyalty programs- Web based solutions
▪ Robotic process automation of various Processes in
Banks like Accounts Payable, Credit card
processing, Fraud detection, Data entry automation,
Reports automation, KYC
▪ Blockchain based Customer Information
management system
▪ Big data analytics
▪ Murex Implementation, support and Maintenance
▪ Chatbots for customer care
Banking Finance and FINTECH Securities Insurance
Our Solutions for Banking, Finance, Insurance
IT Software Solution In Insurance
• Chatbot and RPA based solution for Claim
approval and Processing,
• New Business & Underwriting,
• Business & process Analytics,
• Manual Data entry processing
• Blockchain based innovations solutions like
secure claims processing, on-the-spot
acquisition and risk-free underwriting
▪ Digital Payments, wallets, ecommerce
platforms ( Blockchain and Non Blockchain
based )
▪ Predictive Analytics and insights- AI based
solution to generate insights that can
accurately predict customer behavior
▪ Visual identification & verification: An AI
could visually verify if the documents fed are
authentic & whether a customer trying to
apply for a loan is the person who he or she
claims to be.
IT Software Solution In SecuritiesIT Software Solution In Finance
• Loyalty programs- Web based
solutions
• Web based portal for securitites
integrated with Payment
gateway.
• Web – based portals and
Blockchain based solutions
• Big Data Analytics
• AI based solutions
Apart from the regular web Based & Mobile development, support and Maintenance services, we provide Innovative latest solution for BFSI industry
in RPA, AI, Blockchain based solutions, Big Data Analytics; FINTECH

International Payments
Digital online payments made across the globe and available
24/7 are made possible
Credit Scoring
By checking the credit scores through the AI
based credit scoring app/ engine, more
individuals are given the chance to participate
in the financial world
Account Opening & Identity Management
The process of opening an account with the data sharing
feature via a digital ID is automated with the help of the
blockchain technology
Digital Investments
Digital investments made on the blockchain platform allow
investors to profit via receiving high return
Blockchain, AI & Digital technology to transform Brick & Mortar Banks
Our Solutions for Banks

Faster Data Processing
Accuracy & Timely
Delivery of Work
Faster Response Time
facilitating new customers
Data Accuracy & Mitigates
Risks
NEW BUSINESS &
UNDERWRITING
Easy Data Collection
Centralized Documents
Faster Processing
Bots
CLAIMS
PROCESSING
Tracking & Recording of
Workflows
Details of transactions &
exceptions
Reducing Workload
Increasing Customer
satisfaction
BUSINESS &
PROCESS ANALYTICS
Removed Inconsistencies
No manual Entries
Time savings
Cost savings
MANUAL DATA ENTRY
PROCESSESING
Our Automation Solutions for BFSI

Go Digital ~ Rozgar HRMS
Geo- Tagging & Geo- fencing
Leave | Attendance| Performance | Payroll | Expense | Shift
Increased Employee Productivity & Performance
Our Product- Rozgar HRMS
❑ Mobile First HRMS
❑ Real Time Analytics
❑ Customised reports & dashboards
❑ Configurable Payroll system
❑ Chatbot based Grievance management/ Helpdesk
❑ Application Tracking System & Asset Management

Thousands of data points used to create 1
powerful credit score.
You can simply impress your audience and add
a unique zing and appeal to your
Presentations.
AI enabled tailor
made Credit
Scoring
With this credit scoring application, companies are able
to safely extend credit to largely untapped market
segments, such as new-to-credit (NTC), millennials, self-
employed and small business owners.
AI for Credit Scoring
Our Credit solution enables unbanked, underserved and new-to-credit (NTC) applicants to access credit using their smartphone’s metadata to produce a highly
accurate credit score.
Leveraging Data
Improved Risk Management
Increased Accuracy & Approval
AI based algorithm improves accuracy and
approval rates while reducing delinquency
rates.
Safe Fast Cost Efficient Efficiency
Value Innovation Labs
Value Innovation Labs uses an innovative statistical
methodology to improve your ability to receive a loan.
This app is designed to access only anonymous data to
calculate your credit report. To do so, we require you
to grant access to the informationbelow

Intelligent Customer Engagement
Track | Segment | Engage
Our Marketing Automation Framework

To track all touchpoints
with a prospect - including
forms, page views, content
downloads, emails, social
interactions, & more
Micro Level
Analytics
Our Product- Marketing Automation Framework – Key Features
Our Solution helps qualify
& prioritize your leads
Email marketing,
sending emails to
prospects based on
predetermined rule
This lets your reps know
when a prospect is
active and showing
buying signal
For easy
calculation of
marketing ROI
It allows non-
technical users to
easily create dynamic,
personalized online
marketing campaigns
& emails
Lead Scoring &
Grading
Automated Lead
Nurturing
Customizable real-
time notifications
Wizard and
Tools
Closed Loop
Reporting

Higher Conversion &
Cost efficiency
Improved Customer
Experience
Improved Targeted
Messages & increased
Sales
Improved Efficiency/
ROI in marketing
Marketing Automation Framework- Value Proposition
Transform your Marketing & Customer experience through Value Innovation Labs’ one stop Unified solution~
Marketing Automation Framework (AI based Rule Engine) for Improved ROI
Our Cost effective, Efficient solution has Scalable, Flexible, Easy to integrate based on API based Architecture

These credentials/ documents are
encrypted on a shared ledger
Step 2
Credential providers/ agencies verify
the records & updates
Step 4
Ccredentials are uploaded
Step 1
Documents are duplicated many times
over a Blockchain & broadcast to
stakeholders
Step 3
These records can be accessed by relevant
stakeholders
This saves cost, time & duplicity of efforts
Step 5
Blockchain based Identity Management solution
Dynamic
Validation
Trusted
Digitization Auditable records
Controlled
VisibilityUser-centric design
BENEFITS
Identity management- Understand your customers to acces risk & enhance security
Technologies Involved: Internet of Things, Blockchain, Artificial Intelligence

▪ 1400+ Expert consultants
▪ Product evaluation & selection
▪ Impact assessment & Gap analysis
▪ Business analysis & documentation
▪ Project/Program Management
Consulting
Development/Customisation
Implementation
Support & Maintenance
E2E Testing
Other Value-added services
▪ Greenfield Implementation
▪ Version upgrades
▪ SystemIntegration (interfaces)
▪ Data migration
▪ Functional Testing
▪ Performance Testing
▪ Regression Testing
• Functional & Technical Support
• EOD support
• L3 Enhancements(BAU)
• Release management
• Reports
• Interfaces
• Others
• Onshore-Offshore/Co-locatedteams
• Collaborative Flexible Model
• ExperiencedMurex Resourceswith FS
capabilities
• One stop shop
Murex

RE_IMAGINE YOUR REPORTING
Empower the Masses with Modern Analytics
Seamlessly integrate Dundas BI - the world's most flexible
dashboard, reporting, and analytics platform - with your
applications, and empower ALL your users with the data
insights they've been missing.
TABLEAU can help anyone see and understand their
data. Connect to almost any database, drag and drop
to create visualizations, and share with a click.
Our BI Ecosystem & product offerings for BFSI Industry
POWER TO THE ANALYTICS BUILDERS
Insights For Everyone
Empowering developers, data engineers, and business
analysts to simplify complex data and transform it into
powerful analytic apps.
Microsoft Power BI is a business analytics service that
delivers insights to enable fast, informed decisions.
Transform data into stunning visuals and share them
with colleagues on any device. Visually explore and
analyze data—on-premises and in the cloud—all in
one view.
SAP BusinessObjects BI Dashboards which is a data
visualization tool that allows users to create custom
dashboards from reports. These can include interactive
charts, gauges and widgets.
Zoho Analytics is a self-service BI and data analytics
software that lets you create visually appealing data
visualizations and insightful dashboards in minutes.
Transform huge amounts of raw data into actionable
reports and dashboards.

RE_IMAGINE YOUR REPORTING
Empower the Masses with Modern Analytics
Seamlessly integrate Dundas BI - the world's most flexible
dashboard, reporting, and analytics platform - with your
applications, and empower ALL your users with the data
insights they've been missing.
TABLEAU can help anyone see and understand their
data. Connect to almost any database, drag and drop
to create visualizations, and share with a click.
Our AI & RPA Ecosystem & product offerings for BFSI Industry
With Robotic Process Automation (RPA), evidence-based care
has become easier. Automation Anywhere helps create a
highly secure, scalable, and reliable Digital Workforce to
access, process, and retrieve data to make better decisions for
patients
Microsoft Power BI is a business analytics service that
delivers insights to enable fast, informed decisions.
Transform data into stunning visuals and share them
with colleagues on any device. Visually explore and
analyze data—on-premises and in the cloud—all in
one view.

Made to deliver higher sales & marketing productivity with
Sales Execution +CRM, Field Force Automation, Marketing
Automation and Lead + Sales Conversion
Tailor made for high volume B2C across Education, Insurance,
NBFC, Banking, Real estate, Healthcare, Travel & hospitality
Industry.
SAP CRM has all the core CRM functionality & additionally it
comes with in-memory technology and Big Data insights to
help its customers drive contextual, personalized customer
engagement in real time – across any channel or line of
business.
Our CRM Ecosystem & Product offerings For BFSI Industry
Microsoft Dynamics 365 Customer Service helps its customer
build brand affinity and customer loyalty. Empowers its
customers sales team with the streamlined data and unified
technology to enable them to delivers seamless, personalized
experiences.
Zoho CRM empowers a global network of over 150,000
businesses in 180 countries to convert more leads, engage
with customers, and grow their revenue. Transform your
business with the World’s favorite CRM system.

Ethereum is a global, open-source platform for
decentralized applications. Use cases:
There are many Ethereum-based applications that you can
be used right away.
Using Ethereum based wallets are applications that make
it easy to hold and send digital money, as well as interact
with applications built on Ethereum.
Our Blockchain Partner ecosystem & product offerings for BFSI Industry
Hyperledger is a multi-project open source collaborative
effort created to advance cross-industry blockchain
technologies.
Finance Use Cases:
Streamlined settlement, improved liquidity, increased
transparency and new products/markets.

Value Innovation CRM Solution Implementation Approach
Value Innovation Labs follows step wise approach to CRM Implementation
• Due Diligence: We identify your pain points so that you get maximum benefits of the CRM Implementation.
• CRM Research: We explore CRM products & help find the best fit for your organization.
• CRM system’s benefits Assessment: System’s benefit assessment is taken to benchmarks the success of your
customer strategy and validates the importance.
• Identify areas of implementation: Input from all areas are gathered to ensure end users satisfaction with the selected
CRM.
• Budget Identification: Develop a budget of CRM system partner & select correct partner.
• System Customization: For the first phase of your CRM implementation, we undertake estimated customizations as
per users.
• Additional Enhancements: After the first phase of CRM implementation, you can consider additional
phases(modules/customizations) for rollout.
• Integration with other existing applications: Discuss ease and cost of integration.

• Out of Box integration with
SAP ERP.
• Features across sales &
Marketing Function -
o Sales Force Automation,
o Lead Management,
o Contact History,
o Contact Management,
o Document Management,
o Sales Reports,
o Time tracking,
o Pipeline Management,
o Email Marketing &
o Partner Management
• Customized pricing only.
• Best suited for Sales
resource planning.
• Features Include –
o Customer insights,
o Activity sorting control,
o Server-to-Server
authentication,
o Process enhancements,
o Power BI.
• Supports both web based &
Mobile platforms.
• Monthly & customized
pricing.
• Ideal for Drip Campaign and
B2C segment.
• Features include –
o Lead captured automation,
o Responsive landing pages,
o Website widgets,
o Seamless lead capture,
o Marketing Automation,
o Drip Marketing,
o Segmentation,
o Personalization,
o Marketing & Sales
analytics,
o Lead Engagement Index,
o Marketing Insights & Sales
Insights.
• Free Trail Available &
Monthly pricing.
CRM Implementations For BFSI
• Beautiful Interface &very
easy to use and great
customization options
• Features include –
o Contact Management
o Customer Engagement
Tools
o Workflow Creation
o Task Management
o Opportunity Tracking
o Collaboration Tools
o Analytics
o Intuitive, Mobile-Ready
Dashboard
• Cons: The full browser mode
is very good, however, the
mobile app seems not good
and easy to use as desktop
version.

We follow only latest methodology which is
the key for building successful CRM
Implementation Solution.
Quality Enriched latest Technology
Value Innovation Labs can be your one-stop shop for
all CRM implementation, training, support and
project management services, provided
by experienced consultants. We help customer
worldwide in their automation journey to lowest TCO
and faster ROI.
Our Specialized Consultants
With over 100+ experts, our professionals are known
for their unique knowledge, and skill sets for each
industry that we serve.
Industry Expertise & Best Practices
Consultative Value based approach to help
identify right CRM based on requirements,
adaptability, scalability, staff involvement
etc…
Our Approach
Why Value Innovation labs for your CRM Implementations?
ScalableRapid Results
Path to AI
Tested and proven to deliver
automation design and
deployment 40%+ faster
than competitors.
Deploy RPA at enterprise
scale. Manage any variety
and any number of
processes from front
to back-office.
Value Innovation Labs Advantage

Latest technology solutions: Artificial Intelligence (AI), RPA, IOT, Blockchain, React. Node.Js, NoSql,
MySQL based solutions
• Rule Based Engine for Credit
rating/ scoring
• Helps NBFC and Banks in taking
decisions by looking at the system
generated Credit scoring
AI in Credit Scoring/
Rating
• Vehicle tracking systems
• Cold storage management systems
• Blockchain based Supply chain
management system
• ( Trinetra based Solutions)
IOT Based Transport
solutions
• Fuel Efficiency customized
Solutions;
• Route Optimization
• Benefits: Fuel Efficiency, ROI,
Revenue maximization;
Fuel Efficiency Calculator/
Analytical Tool
• Centralized management and patching
of all your app. Fully managed
database.
• Build, evolve, and scale your website
fleet—with zero infrastructure
management investment. Get hosting,
CI/CD, automated updates, global
24x7 support.
DevOps as a Service;
DevOps platform
• Crime prevention, tracking
Mobile app
• Benefits: Crime prevention,
Increased safety & security;
controlled crime rate,
immediate reporting and
action
Smart City & Mobile
Application Solutions
• No-Code Application
Development Platform; No-
Code Application
Development Platform;
• Build Enterprise Applications
without Coding
Serverless Platform
Other Products and Solutions
• Identity Management system
• Supply Chain Management System
Blockchain
• Engagement, Analytics & Tracking of
Marketing activities
• Marketing Automation
• Rule based engine
• Easy configuration and integration
with CRMs
Marketing Automation
• Job seekers, employer's
platform marketplace
• Benefits: Increase
employability and
discoverability
AI ( Rule based) Job
Portal

Customer Service
Chatbot / Conversation AI
Bookings
Chatbot Solution for
Interviews- Video/
Audio
Chatbot Solution for
Sales- Internal/ External
Chatbot Solution For
Benefits: Increased Return on Investment, Increased Productivity, Cost Savings, Accuracy, Increased
Sales
Our Products/ Chatbots/ Conversation AI for Various Industries

Service desk Services Digital Workplace Services Data Centre Services
Managed Security operations
Network Services
Cloud Native services Cybersecurity and GRC Services DevOps & Application Operations
Our Infrastructure Service Offerings
Our Infrastructure services are powered by our partners like Microsoft, Rackspace, Platform.sh, AWS

Our Global Group Client Portfolio

• Customer notifications
Balance information
• Money management s
• Credit report updates
• Bill Payments
• Transactions
• App availability
• Personal Recommendations
BANK OF AMERICA
ERICA – Smart Virtual assistant
• Streamline back office operations
• Message Parsing,
• Access Control,
• Basic IT requests handling
• More than 360,000 hours of labour
cost saved
• Quicker than human lawyers
• New risk saving capabilities
JP Morgan Chase
COIN – Complex analysis
• Response to natural language
messages from users
• Engage & serve customers
directly from Facebook
• Track spending
• Location assistance
• Local assistance
Wells Fargo
AI & Facebook Messenger
Worldwide Banks those have Implemented Chatbot Successfully

CRM Implementation for a Bank
Value Innovation Labs helped the customer identify which CRM would be best as per their
needs, # of Sales, Marketing, customer service team. Ensured adaptability by involving their
staff members in the process. Ensured smooth implementation no disruption to business as
usual.
CRM implemented : Salesforce Implementation and Support
Benefits:
❑ Structured Lead management
❑ Consultative selling- We ensured
adaptability, scalability as per
their requirements
❑ Cost effective solution

MARKETING AUTOMATION FRAMEWORK IMPLEMENTATION - BANKS & NBFCS
Value Innovation Labs helped Singapore & Vietnam Banks, NBFC in increasing Customer engagement, conversions through a robust,
efficient & effective Marketing Automation framework implementation for Vietnam and Singapore Bank, NBFC
Benefits:
▪ Increased Customer Engagement
▪ Creative templates available so less efforts of Marketing or BD team
▪ Increased sales and conversion
▪ Increased ROI

We built a Sales Agent Onboarding mobile application solution having following features:
1. Digitally captures the new sales agent data
2. New sales agent can scan their national identity.
3. Facial verification by matching the national id picture with the face scan
4. Fill relevant application form based on their mode of onboarding.
5. Once application form is submitted , receive notification to get updates on application acceptance.
6. Integrates with the CRM
7. Data adds to the CRM system & Agent gets on-boarded.
The customer has an ever-growing sales agent team which grew from 2000 sales staff in 2014 to 10000 sales staff in
2019. The sales agents come from three different modes – referrals, direct & third-party agents. For each mode, a
unique onboarding application was used to capture their data & verify.
Customer Pain Point
Solution
Case Study: Mobile Application Development, Integration & CRM Implementation for
a financial institution in Vietnam
Tools &
TechnologyReact Native, Node Js, Mongo DB, LeadSquared CRM
Reduced
Ramp Up
Time
Facial
Recognition
Multilingual
Enhanced
Sales Agent
Experience
CRM
Implementation

▪ 80% of all travel insurance requests automated
▪ 80% of all car insurance queries resolved from week 1
▪ 25 back-end integrations, such as calculating policy costs, purchase/cancellation,
invoicing and more
Top insurer embraces transactions with conversational AI
Customer
Solution
Case Study: Top insurer embraces transactions with conversational AI
Tools &
TechnologyConversational AI
Automation Conversational
AI
Multilingual
Enhanced
Sales Agent
Experience
CRM
Implementation

Bank implemented a modern enterprise
analytic solution leveraging AI, and it paid
big dividends. The bank was able to:
• Realize a 60 percent reduction in false
positives, with an expectation to reach
as high as 80 percent.
• Increase true positives by 50 percent.
• Focus resources on actual cases of
fraud.
Solutions Benefits
AI Banking & Finance Use Case: Bank improved fraud detection using AI
Technologies
• Bank undertook a multi-step project to
productionize machine learning
techniques while simultaneously
developing deep learning models to test
those techniques. The integrated models
helped identify the growing problem of
fraud.
• The project entailed integrating open-
source solutions and deploying
production models, then applying deep
learning analytics to extend and improve
the models.
Challenge: The bank needed to modernize its fraud detection defenses. It struggled with a low 40 percent fraud detection rate and was managing up
to 1,200 false positives per day—and 99.5 percent of all cases the bank was investigating were not fraud related. That large number of false alarms
required a substantial investment of people, time, and money to investigate what turned out to be dead ends.

• 20% is the amount of daily work handed
by Robots in a single department.
• Near 100% backlog processed by UiPath
Robots.
• 20+ FTEs saved monthly.
• Improved customer service.
Solutions Benefits
RPA Banking & Finance Use Case: Bank streamlines Operations and Boosts
Productivity with RPA
• The bank focused on two transactional
areas: asset sales and collections.
• Each process was researched and
documented, noting information such as
the number of employees involved, the
process steps, and the transaction
frequency and volume.
• Automation team handled robot
development and maintenance.
• Team also implemented UiPath
Orchestrator to control, manage, and
monitor their robotic workforce.
Challenge : Bank realized the need for cost optimization solutions as it was having higher than average cost-to-income ratio.

• NPS scores improved by 10 points to
+35 from +25 in 6 months
• There was a 27% increase in the
number of users using chatbots for
FAQ-related queries for their account
inquiries and reward balance
• The number of intents recognized, or
queries successfully answered,
increased to 73% from 67% within 6
months of deployment
Solutions Benefits
Chatbot Banking & Finance Use Case: Global Bank enhances customer experience
& reduces cost through bot platform implementation
• Chatbots targeting 200 million retail
customers were developed for
different use cases. One chatbot was
used to automate servicing of FAQs
and queries like Cards Rewards
balance etc. While another bot was
used to get payment type and cut-off
time by country and currency, and
account balance by time and type.
• Tools & Technologies: Kore.ai
Challenge: The bank was facing an imminent challenge of losing out on customer expectations, as millions of transactions emerging from the huge
customer base were creating pressure on the technology and support infrastructure. They wanted a solution which can improve customer experience
through Omnichannel presence and can help them leverage existing resources without adding new employee cost

• 70,000 transactions executed in less
than two hours. This rate achieved the
transaction performance target,
condensing one business day’s worth of
transaction processing time by 75%.
• 95% of block prorogation time
in<1second and 99% propagation in <2
seconds. This demonstrated that
acceptable performance is achievable,
despite the geographical distribution of
the banks’ hardware.
Solutions Benefits
Blockchain Banking & Finance Use Case: Interbank payment settlement
increasing transaction volume and network resilience while maintaining
confidentiality requirements
• In consortium with seven commercial
banks, the Central Reserve Bank along
with its technology partner build a
proof-of-concept grounded in real-world
performance, confidentiality
requirements, and diverse bank
hardware on the blockchain without a
single point of failure.
• Tools & Technology: Enterprise
Ethereum solution.
Challenge: A Central Reserve Bank sought to replicate interbank clearing and settlements by deploying a permissioned blockchain network. This
exercise was made to assess whether blockchain technology could significantly improve the performance, scale, and confidentiality of payments in a
real-world simulation.

BSFI Technology Offerings by Value Innovation Labs

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