Making bank digital: generate more revenue for your bank with digital services

1. Technology
Partner
Digital Banking Platform
FinQloud

2. Moving bank IT from cost-
reduction towards revenue
generation

3. FinQloud
Fintech Cloud as Banking Platform
BANQ
Multichannel Self-service
QORE
e-Money Processing & Wallet
QOntactless
QR, NFC, Bluetooth LE
Qommunicate
Personalized Messaging
WORQFLOW
BPM
EnQourage
FrontOfficeasAssistedSelf-
service
NAVIQ
GeoPOI&Information
System
Analytiq
BigData&
BusinessIntelligence

4. Digital Banking Platform
● Multi-channel self-service (mobile, web, kiosk, sms/ussd)
● Family & small-business banking:
merging corporate and personal banking experience
● Next-generation bank front systems:
“Assisted self-service” in bank branches
● Personalized direct marketing channel:
client messaging, social integration, campaign management
● Omnichannel user profiles
(client starts operation in one channel, completes in other)
● Financial operation rules & processes management
● Leveraging e-Money & e-Wallets

5. Digital Banking Platform
● Contactless payments using smart devices (mobile, watches, etc): NFC
● Integrating multiple payment providers, from PayPal to SWIFT
● Personal finance management, investment management
● Social banking (banking with bank accounts & e-money in social networks
and messengers)
● POS e-commerce: mobile POS devices, integrated payment solutions for
merchants
● Web e-commerce: bringing personalized banking into internet stores
● Universal citizen/municipal card (payments & ID with NFC)
● Loyalty programs
● Blockchain/bitcoin-ready

6. Architecture Layers
FINQLOUD Web Services Layer (Middleware Business Logic)
Set of Open APIs
Bank & Third-party Back-end Systems
Front-end Apps for End Users, Bank Managers, Third Parties (Presentation Layer)
Enterprise Service Bus (Integration Layer)

7. BANQ
Multichannel Self-
Service Backend
Personal | Family |
SME
● Multichannel user profiles
● Accessing and managing accounts
● Payments and transfers
● Managing payment cards and
other instruments
● Opening saving accounts online
● Applying for loans
● Recurring orders / direct debits

8. omnichannel Self-Service
Advantages 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

9. Omnichannel User Profiles
● Keep user payment templates, standing orders, documents saved
● Provide the same experience for the user wherever the bank is present:
○ on mobile
○ in web
○ in the branch
● Tight CRM integration
● Useful for campaign management and financial behaviour profiling
● Cross-channel sales and communications

10. Family & Small Business Banking
● Moving usability of personal banking into corporate segment
○ Seamless experience between personal and corporate approach
○ Easily maintain different business lines within the bank
○ Best practice used by large international banks worldwide
● Family banking: share levels of access with family members
○ Cross-sale possibilities for family members
○ Involving young people into banking experience
○ Reduce servicing costs for families

11. Social Banking
● Put your bank “branch” into social networks
● Simplify banking experience
● Promote P2P transactions and increase
transactional revenue
● Link bank CRM to user profiles in social
networks
● Another cross- and upsell channel

12. POS and Web e-commerce
● Bring your bank to the merchant store
● Banking widgets for online stores, enabling
instant payments with bank products
● Mobile POSes for retail stores, HORECA etc
● QR, NFC and other contactless payments
● Increase revenue from transactions

13. Operation & Product Policies
● Managing security through the
limitation policies improves banking
usability
● Single window to administer security
rules for all of the channels
● Assign product rules for different
channels and access roles

14. Personal finance management
● A tool to differentiate bank brand and create a new
valuable service for customers
● Increases customer satisfaction, loyalty & retention
● Increases usability and interest for digital channel
self-service
● Cross- and up-sell opportunities: including savings
and loans business units enables consumers to apply
for new financial products online

15. 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

17. Universal Citizen/Municipal Card
● Involves unbanked people to bank services
● Converts payment card into from a financial instrument into a common
thing
● Promotes usage of bank card products
● Increases client base for transactional business
● Stimulates growth of bank acquiring network

18. EnQorage
Front Office as an
Assisted Self-service
● Retail teller
● Works as a channel, yet
another to Web and Mobile
banking
● Kiosk support
● Third-party service integration:
○ Tickets
○ Remittances
○ e-Government (fines, fees)

19. Front Office as an Assisted
self-service
● Convert your branches into a digital format
● Use the same interface in servicing client in bank branches as in Internet
● Reduce load on staff education and system maintenance
● Seamless integrated business process management for self-service and
branch service

20. QORE
Multi-Currency
Processing
e-Money | e-Wallet
Loyalty
● e-Money issuing
● e-Money and loyalty accounts
(e-Wallet)
● e-Money transfers
● Accounts linked to telephone
numbers or e-mails
(for unbanked people)

21. e-Money and e-Wallets
● e-Money accounts linked with phone or email
● Banking for unbanked: make them your clients even
before they know
● Be ready for the e-commerce future
● Increase transaction revenue
● 24/7 service independent from slow legacy banking
systems

22. QOMMUNICATE
Personalized & Direct
Channel
Messaging | Marketing
● Push notifications
● Multi-channel:
Viber, WhatsApp, Telegram
● CRM integration
● Segmentation of client base
● Campaign management
● Tracking user responses and
initiating sales from bank
propositions in messages
● Push information about
transactions
● Cost optimization
(avoid high SMS texting costs)

23. Messaging Hub
● Multichannel: push-notifications,
Viber, Telegram, WhatsApp
● Cost-saving on SMS delivery
(both transactions & marketing)
● Cost-saving on processing charges
● Convenient way of getting information
for user

24. Personalized Direct Marketing
● Deliver information right to the client phone without
paying for SMSes
● Create personalized marketing campaigns
● Sell products and financial services in form of chat
● Get client feedback and keep live communications with
clients on their banking experience
● Create marketing proposals that would be relevant for
the time, place and channel
● Bright cross- and up-sales to the new level

25. QONTACTLESS
NFC | C2C | Bluetooth
● Putting payment cards into
smartphone: tokenization,
(in partnership with VISA / MC)
● Like Apple Pay, but on
Android :)
● Card-to-card (C2C) money
transfers
● Making P2P payments in
contactless way

26. Card-to-card
Payments
VISA Money Transfer &
MasterCard Money Send
● Busting growth in transactions
(in Ukraine)
● Bank gets commission from each
transaction
● Service includes payment cards
from other banks: you are making
money on them
● Our solution allows simple
transfers using social graph from
Facebook & telephone address
book
Technology
Partner

27. AIR PAY®
With Bluetooth LE &
WIFI Direct
● Patented technology
● Pay to people around without
entering any payment details
● Can be backed by VISA/MC C2C or
internal bank transfers between
accounts (A2A, A2C, C2A, C2C)
● Busts transactions, reduces fraud
(card numbers are not exchanged)

28. NFC on Android
Tokenisation from
VISA & MasterCard,
with Android HCE
● Like Apple Pay, but on Android :)
● VISA & MC-provided infrastructure
and security
● Small costs: you have to buy only
mobile wallet, no server-side
enterprise stuff
● BanQ Systems is VISA Technology
partner licensed to build solutions
for NFC
Technology
Partner

29. WORQFLOW
Business Process
Management
● human workflow and
comfortable interface
● different roles and
organisation structure
● business process templates
● visual business process
constructor

30. IDE for Workflow

31. NaviQ
GeoPOI and
Informational System
● Bank products and services
● News and updates
● ATMs and bank offices
● POS terminals and info on merchants
● Propositions from partner network
readiness
● Exchange rates
● General marketing information

32. AnalytiQ
Big Data & Business
Intelligence
● User geoposition and activity
tracking: big data accumulated
from all mobile apps
● Business intelligence and
knowledge generation
● Personal finance management
● Personal finance advising

33. The technology behind

34. Architecture Details
eWallet &
Multi-currency
Processing
User
Profiles
Service
Messaging
Processor
Operations
Dispatcher
Existing Bank ESB (if any)
Self-Service
Broker
Open APIs
PCI-DSS
Secure Vault
Bank
Ledger
Product
Catalog
Reporting PCI Front CRM DWH
Existing
Front
Office
Mobile
Banking Apps
Web
Banking
SMS
GW
Banking in
Social Networks
e-Commerce
Widgets Third-party Apps
Front Office
Apps
Existing
Internet
Bank
BanQ Service Bus
Payment
Systems

35. Architecture
Benefits
● Service-oriented architecture
● 24/7 solution
● Staged implementation within
limited budget and time
● Co-operates with existing enterprise
systems
● Creates integrated back back-end
environment
● Separating client apps from bank
services
● Ready for building online BPM
● Can be supported by bank IT

36. Channel mix platform
MoBile &
IOT
Web
Call
Center
Social
Networks
Branches
POSes
e-
commerce
cross-channel products, business processes & policies

37. Open APIs
● Documented open API
● SDKs for third-party
developers
● Vendor-independent apps,
widgets and gadgets

38. Web & Mobile
Apps
● An app for each business case
● Native apps integrating
multiple backends
● Focused on usability
● Excellence in design
● Modern technology stack:
○ HTML5 / CSS3
○ AngularJS (Web)
○ Swift and Java for iOS & Android
○ Universal Windows Platform
● Gamification solutions

39. OUR APPROACH TO USABILITY & DESIGN

40. We carefully prototype
functionality of the apps with static
and interactive wireframes,
splitting complexity of the app into
simple user stories shared across
workflow of app screens
UI - UX

41. UI-UX: PIXEL-Perfect design
Наш подход - тщательное проектирование
интерфейса.
Симпатичные кейсы из retale сегмента + хочу
яхту.

43. Stylish
Mobile
Apps

45. Easy Pay is Ukrainian electronic payment system,
allowing users to pay for the services of more than 360
different companies. The self-service portal needed a
mobile solution, which would be a smartphone app for
popular mobile OS. Thus the design and development
of the mobile client was made by Qoderoom experts.
The mobile app is full of advantages, such as using the
templates of operations, tracking the transactions,
checking the balance and, what is the most important
– the mobility.
Platform: iOS
Technologies: Objective C, JSON
Easy Pay

49. Responsive
Websites

50. Modern Admin Consoles

52. Enterprise success-stories by
BanQ Systems
(with demo)

57. BanQ Services

58. Cloud
Bank Services in the
Cloud
● Subscription-based services for
bank in the cloud:
● Open BanQ: banking as a
service
● Open Qore: e-money and
loyalty as a service
● Open Qommunicate: direct
marketing channel as a service

59. IT Integration
● Network of local certified
integration partners
● Educating IT staff
● On-demand integration on site

60. Digital Bank
Consulting
Core Banking,
Front Office
Self-service, BPM,
BigData, CRM
● Moving financial services to
digital banking
● IT, business process, products,
& bank model audit
● Developing new banking
services
● Increasing efficiency through
banking gamification

61. IT Outsourcing
Outsourcing Bank IT
● Nearshore professionals with
banking background
● Strong engineer team
● Affordable rates
● Best practices of project
management and software
development
○ Outstaffing
○ Agile / SCRUM
○ Test-driven development
○ Continuous integration
● Quality assurance

62. BanQ Systems Ltd, UK
+44 747 335-90-93
BanQ Ltd, Ukraine
+380 (44) 520-5750
http://banqsystems.com
sales@banqsystems.com
Technology
Partner