BPCBankingTechnologies2017MexicoCity bpcbt.com

DigitalBanking–BPC’sVisionMEXICOCLIENTCONFERENCE2017

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Topics

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Future of banking

Global digital innovation market trends

BPC Vision

BPC Solution and Products

Roadmap

Future of digital banking

AI APIs Data Analytics Voice IoT Cloud

Where are we heading to?

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Customer centric

Seamless

Invisible

ConversationalProgressive

Live More

Bank Less

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Major digital innovation trends promoting digitalization

5Source:KPMGinIndia’sanalysisbasedonindustrydiscussions,2016

Social media services

Mobile Banking

Wearable technology

BlockchainCloud NFC and biometric

technologies

Digital wallets

Personal finance

management

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P2Pdigital

platforms

Contextual banking

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Evolving digital banking business models

• Pure digital banking – neobanks, branchless

• Lifestyle banking – customer-centric, omni-channel

• Invisible payments and banking

• Deliver a buying experience

• Beyond mobile payments – IoT, wearables

• Voice banking, payments – chat-bots, Alexa,

InternetofThingsIs already here, and will have a potentially under-hyped impact on payments

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Autonomous agents will be capable of initiating transactions that might require new authentication and authorization protocols

Wearables

Fitbit devices connected to health insurers for discounts and loyalty offers

50B IoT devices expected by 2030, compared to 5B smartphones, many capable of participating in payments

Amazon Dash

A button to automatically re-order coffee beans or filters; or a washing machine with a built-in button to order detergent.

BPCBankingTechnologies2017MexicoCity bpcbt.com

BPCVisionandProductUpdate

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Acceleratedigitaltransformationin

bankingandpaymentstodeliver

customercentric,revenue generating

services

BPC Digitalization Vision

SmartVista Road Ahead Digitalization components

Omni-channelPlatform

Unifiedcustomerjourneyacrossvarioustouchpoints

Single,completeviewofthecustomer

UnifiedservicesforconsumersaswellasSMEs

BranchlessBanking

Fastergrowingbankingandpaymentschannel

Agentbanking

Offerbranchfeaturesondigitalchannels

Loanapplication,onboarding,cardandaccountopening

MobilePayments

Unifiedaccesstotraditionalandnewpaymentinstruments

Nonpaymentservices

E-walletsande-money

QRcodeandNFCpayments

DigitalCustomer

Engagement

Personalfinancemanagement

Advisors

Livechat

Targetedmarketing

Chatbots,cognitivetechnologies

Omni-channel Digital Banking

AnyTime,AnyPlace,AnyDeviceOmni-channel

Platform

Website

Tablet Smartphones

Social

ATM

Branch Callcentre

Kiosk

Physical

Digital

Digital Customer Engagement

Personal financial management• Summary of income/expenditure

• Track spending habits

• Create budget

• Alerts

Live Chat• Chat to bank from mobile and internet banking

Chatbots, Advisors• Work with partners to deliver on digital products

Financial planning tools, live chat, advisors

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DigitalCustomerEngagement

BPCBankingTechnologies2017MexicoCity bpcbt.com

Wherearewenow?

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What’s new in 2017New products launched in 2017

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BranchlessBanking

AgentBanking

Omni-channel

PayrollPortal

MerchantPortal

Teller

Branchless Banking HighlightsComplete, packaged agent banking solution

15PINPAD

BranchlessBanking

Agent Banking Product OverviewReach the unbanked through BPC Agent Banking solution

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SmartVista Agent Banking (SVAB) product offers financial services to reach underbanked and underserved customers.

It helps institutions increase their customer footprint through agent networks.

Key features of the solution

ü Apple and Android support

ü Flexible administration web portal

ü Register new customers with KYC requirements

ü Account opening

ü Cash deposits and withdrawals

ü Cash and account transfers

ü Bill payments and mobile top-up

ü Loan repayments

ü View agent commission

ü PIN PAD integration - authentication and receipt printing

ü Biometric authentication

ü Report generation

ü Push notifications

ü SMS generation

ü Multi-institution

Agent Banking Showcase

Copyright 2017 BPC Banking Technologies 17

Additional communication channel –merchants and acquirer

View Merchant details

View Terminal details

Search for transactions

Calculate installment plans

Merchant user registration

Generate reports

Merchant Portal Highlights

BPCBankingTechnologies2017MexicoCity bpcbt.com

Roadahead

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What coming in 2018New products planned

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MobilePayments

e-Wallets

Merchantapp

mVisa,MPQR

Omnichannel

BusinessInternetBanking

LoyaltyPortal

Digital Banking – Roadmap focusCustomer centric, value adding services

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• Launchingdigitalpaymentproducts• e-wallet• Merchantpaymentapp• QRcodepayments– mVisa,MasterPass QR

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• Transactionaltoexperiencedriven,value-addingbusinesssolutions• Addbranchfeaturesindigitalproducts– MobileandInternetbanking• LiveChat• PFM• Loyalty

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• Enhancedsecurity• Biometrics• Fraud• Strongauthentication

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Roadmap – Transactional to experience-driven features

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Personal financial management

Live Chat

Loyalty integration

Facial and voice recognition

• Facial authentication added to iPhone X

• Mastercard launches Identity Check biometric authentication to complete online transactions.

Chat bots

• interact through text or voice for transactions or support

• find out your account balance, make payment, transfer, support

Social media integration

In-app appointment scheduling

Voice Payments

Document vault – store important documents

Personalization features

Evolving from transactional functionalities to experience-driven customized features

Personal Financial Management

Summary of income/expenditureView monthly income and spending

Net worth calculations in graphic charts

Track spending habitsOrganize spending into categories – gas, entertainment, travel

View spending by category in graphic charts

Create budgetCreate budget and set financial goals

Alerts Setup rule base alerts low balance, bill reminders, large or suspicious

transactions, warning when exceeding budgets

Financial dashboard and financial planning tools

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Support branch features in mobile banking

Drivers

• Mobile and internet banking becoming primary way to communicate to consumers

• By 2020 it is predicted that we will use mobile apps for banking 10 times more often than we will physically visit a branch

Roadmap Features

• chat and messaging, interactive educational content and digital tracking and forecasting tools

• online loan application

• credit card application

• Chatbots, live chat

• Customer onboarding, KYC - scanning of customer images, ID documents

Moving to branchless banking

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BranchlessBanking

Security for Digital solutions

Authentication

• Biometric authentication (facial, voice, iris)

• Strong authentication – dual factor

• Adaptive authentication

• Transaction verification

• Voice recognition integration

Fraud integration

Collate data across mobile and internet banking for fraud solution to build rules and analytics.

End to End Encryption

Tokenization of card and account data

Regulations

FIDO

OWASP

PSD2

Enhancing our security on all digital channels

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BPC Agent Banking Case Study

Leading MFI in Cambodia reaching unbanked withBPC developed agent banking and payments solution.

600000customers

3000agentnationwide

113branches

58ATM/CDM

Snapshot

3000Agents

Copyright 2017 BPC Banking Technologies 26

58ATMs

UsingMobile&ATM

Technologytobroadenreach

BPCBankingTechnologies2017MexicoCity bpcbt.com

Thankyou

bpcbt.com

Praveksha MaharajProduct Manager –Channels

T: +27 (21) 830 5265maharaj@bpcbt.comskype: praveksham