finqloud: digital banking platform

Technology Partner

Digital Banking Platform

FinQloud

Moving bank IT from cost-reduction towards revenue

generation

FinQloudFintech Cloud as Banking Platform

BANQMultichannel Self-service

QOREe-Money Processing & Wallet

QOntactlessQR, NFC, Bluetooth LE

QommunicatePersonalized Messaging

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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

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

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)

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

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

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

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

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

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

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

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

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

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

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)

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

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)

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

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)

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

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

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

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

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)

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

WORQFLOW

Business Process

Management

● human workflow and comfortable interface

● different roles and organisation structure

● business process templates

● visual business process constructor

IDE for Workflow

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

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

The technology behind

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 AppsFront Office

Apps

Existing Internet

Bank

BanQ Service Bus

Payment Systems

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

Channel mix platform

MoBile &IOT

Web

Call Center

Social Networks

Branches

POSes

e-commerce

cross-channel products, business processes & policies

Open APIs

● Documented open API

● SDKs for third-party developers

● Vendor-independent apps, widgets and gadgets

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

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

UI-UX: PIXEL-Perfect design

Наш подход - тщательное проектирование интерфейса.Симпатичные кейсы из retale сегмента + хочу яхту.

Stylish Mobile

Apps

Responsive Websites

Modern Admin Consoles

Enterprise success-stories by BanQ Systems

(with demo)

BanQ Services

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

IT Integration● Network of local certified

integration partners

● Educating IT staff

● On-demand integration on site

Digital BankConsulting

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

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

BanQ Systems Ltd, UK+44 747 335-90-93

BanQ Ltd, Ukraine+380 (44) 520-5750

http://banqsystems.com sales@banqsystems.com

Technology Partner