A Partner’s Story:

Using Integration to Grow Your Business

Patrick LanniganVP Marketing, Strategic Information Technology Ltd.January 27, 2010

Who is Strategic Information Technology (SIT)?

Approaching 140 employees Support staff is from banking industry Stouffville, ON, Canada

• 4 of the 6 largest financialinstitutions in Canada usePortfolio Plus

Established 1988 Privately Owned

New Words

Liquidity Crisis

liquidity crisis

app for that

Portfolio Plus – Your Core Solution

Universal GatewayUniversal Gateway

Web AccessWeb AccessIVRIVR POS/ATMPOS/ATM XMLXML InterfacesInterfaces SwitchesSwitches

Progress Software ArchitectureProgress Software Architecture

Term DepositsTerm Deposits RetailRetail AccountingAccountingInvestmentsInvestmentsLoans/MortgagesLoans/Mortgages

Liquidity

Implementations (Oct 2008 to Oct 2009)

½ Billion Dollars in 45 Days

Target Markets

Specsavers: 1300 Stores and Growing

1 in 4 UK Eyeglass Wearers Purchase Eyeglasses at Specsavers

900,000 Direct Debit Customers

Two Progress Guys go into a Bar

Manulife: Facts

Funds under management: $421 Billion Market Cap $32 Billion

Manulife Bank of Canada

Cabot Trust Co.

Huronia Trust Co.

Regional Trust Co.Manulife Bank

of Canada

Manulife Bank of Canada1994

Financial Advisors

Manulife Bank Challenge: Differentiation

No differentiation for financial products Need products geared to higher wealth customers

Mortgage A Mortgage B Mortgage C

7 yr 5.25% 7 yr 5.15% 7 yr 5.3%

Manulife Bank: Solution

Development of Manulife One product• Geared to sophisticated consumers• Save thousands of $$ for mortgages• Multiple accounts, multiple interest rates, combined• SIT developed software

Manulife Bank

2001 2006 2007 2008 2009

$16 Billion Assets

The Demand for Web Banking Skyrockets

IVRIVR POS/ATMPOS/ATM InterfacesInterfaces SwitchesSwitches

Manulife Bank: Challenge

Multiple days to approve new Manulife One Account• Appraisal of Property• Credit Check• Paper Forms

2 Days

Manulife Bank: Solution

20 Minutes

Solution: Portfolio Plus & Sonic

Progress Software ArchitectureProgress Software ArchitectureCommercial Loans

Consumer Loans

Investment Loans

Investors & Partners

Mortgages (1st, 2nd, 3rd)

Variable Rate Mortgage

Lines of Credit

Secured/Unsecured

Sub Prime

Securitization Loans

Loans/MortgagesLoans/Mortgages

Loan and Mortgage Module

Agriculture LoansAgriculture Loans

Term DepositsTerm Deposits RetailRetail AccountingAccountingInvestmentsInvestments

Loans/MortgagesLoans/Mortgages InvestmentsInvestments Term DepositsTerm Deposits RetailRetail AccountingAccounting

Investments Module

Registered Products

RRSP (Self directed, Non Self Directed, Locked In)

Income Paying Plans (RIF, LIF, LRIF)

Marketable Securities

Agent Management

Tax Free Savings Account (TFSA)

Registered Products

RRSP (Self directed, Non Self Directed, Locked In)

Income Paying Plans (RIF, LIF, LRIF)

Marketable Securities

Agent Management

Tax Free Savings Account (TFSA)

RESP/FESPRESP/FESP

RDSPRDSP

Term Deposits Module

Non-Redeemable

Redeemable

Cashable

Step-Rate

Index-Linked

Annuity Deposits

Agent Management

Non-Redeemable

Redeemable

Cashable

Step-Rate

Index-Linked

Annuity Deposits

Agent Management

Retail Module

Chequing

Savings

Unsecured Line of Credit

Secured Line of Credit / HELOC

Segregated Line of Credit

Teller Drawers

Tiered Interest

Custom Fees

Chequing

Savings

Unsecured Line of Credit

Secured Line of Credit / HELOC

Segregated Line of Credit

Teller Drawers

Tiered Interest

Custom Fees

Universal Gateway

Specsavers: Direct Debit

Custom Loan Origination

3rd Party Loan Origination

Connectivity to “Middle Office”

Middle Office

Open Banking with Portfolio Plus

AccountingRetailInvestmentsTermsLoans

Open Banking Interface

Peer-to-Peer (P2P) Lending

SOA Example: add_client()

User Transaction

Web Server

add_client()

Open Banking Interface Message

<NewClient><fname>Patrick</fname><lname>Lannigan</lname><addr1>98 Karma</addr1><city>Markham</city></NewClient>

Open Banking with Portfolio Plus

AccountingRetailInvestmentsTermsLoans

PythonRubyPerlPHP

FundServCANNEX

RolerDoxim

ComputerTalk

EverlinkMetavante UK

WebSphereC#

JMS.NET

Amazon S3Amazon E2GoogleAppSalesforce

CloudPotential

Open Banking Interface

Big Bank (or Big Company)

Big Bank

Key Recommendations

1.Open Application

2.Rationalize API

3.Concentrate then Integrate

Questions?

Patrick LanniganVP Marketing

Strategic Information TechnologyJanuary 27, 2010

patrickl@stratinfotech.com

A Partner’s Story:

Documents

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A story a story