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Slide 1 Intellectual property of Vayana
Vayana – Next Generation Banking using Social Connect
Slide 2 Intellectual property of Vayana
Trends Vs. Product Road Map
Corporate Banking Retail Banking Technology
Embeddable services
Cash forecasting, Embeddable services
Next generation Technology Architecture
Commercial banking suite, Templates, Richer Trade and Treasury Functionality
Social media integration, wealth management
Rich Integration Architecture with Data pipelining, On Demand Platform
Data Aggregation service, Cash Forecasting, Mobile Banking
Data aggregation service, Mobile Banking
UI/XML driven integration architecture
Corporate Banking
E-banking will be a set of services available for Integration with other applications
Customer network creation with SME rich services will be key factor in stickiness
STP and Time to Market efficiencies will be key in managing ROI
Retail Banking
Pervasive banking services in conjunction with Social Media
Mobile banking will be the key channel
Unified Wealth statement across institutions, rural banking specific solutions
Technology Trends
Banks will purchase Services rather than products
Private and Public clouds will be preferred deployment strategy
ROI focus will drive hardware and deployment efficiencies
High level Roadmap Trends
2009
2010
2011
- 20
13
Q2
Q3
Q4
Q1
Q2
Q3
Q4
Q1
Slide 3
Mobile
Channel Presentation Layer
Online Banking PortalKiosk
Personalization | Multi-lingual | Multi-currency | Customer Branding
•Transactions•Bill pay•Request•Insurance
•Balances•Investments•Net worth•Stocks•Mail Box•May I Help You
•What will it cost•Offers for you•Can you advice•Find what we pay•Compare Us
•Download Statements•Onetime setup•Preferences
Transactional Widgets Information & Interaction widgets
General Widgets Other Features
Online Banking Enterprise ManagerAdministration | Business Rules | Message Center | Utility Provider | Reports | RMS | Dynamic Templates** | Dynamic Reports **
Interface Component
Interface to Core using Middleware / SOA / Direct Interface
Accounts & Payments System
Loan & Deposit System
Credit Card SystemSecurity & 2 – Factor
Next Generation Banking Architecture
Social Network
Slide 4
Transaction Widgets
Transaction
Bill Pay
Insurance
Requests
Information & Interaction Widgets
Balances
Investments
Net-worth
Stocks
Mail Box
My Direct Help
General Widgets
What will it cost
Direct Offers
Direct Advice
Direct Rates
Compare us
Talk about us
Supported in Online Banking Portal & Mobile Web
Secured Access for registered Customers
Support using Chat, Message center
Integration with social media
Personal Applications for Online banking
Slide 5
Transactions Information & Interaction General
These are secured Widgets and require to login to Online Banking and available only in Online Banking Portal. Customers can personalize these widgets in their landing page.
Transaction
Lists the frequently made online payments and allows to create new payments (Internal or external) to pay now or Standing Instruction.
BillPay
Lists utility bills due for payment with due date and allows to make a payment now or schedule later.
Insurance
Lists the insurance products with premium due details. Allows you to make a payment for due.
Requests
Status of Service requests like Cheque book, Address change, Credit cards (block/report loss) and submit a new request
Transaction Widgets
Slide 6
Transactions Information & Interaction General
These are secured Widgets and will be available in Online Banking with full functionality. These can be integrated with other social media sites like iGoogle, Yahoo, Facebook with limited functionality. This require sign-in using the online banking credentials.
Balances
Displays the relationship information of all Account Nicknames, Current Balance, Currency. List of accounts include, Current/Savings Account (CASA), Loans, Deposits, Credit cards
Networth
Summary of relationship categorised into main groups. Shows the networth in preferred currency, if multicurrency transactions present.
Investments
Lists the deposit accounts, Mutual funds with details like interest rate, maturity information/NAV and current value.
Stocks
Lists the current value of the stocks/shares held either from stored value or at login time depends on setup
My Direct Help
Contact Relationship manager through Internal Mail, Online Chat, Videos or Forum
Mail Box
Lists the alerts/Notifications from RM/Bank.
Information & Interaction Widgets
Slide 7
Information & Interaction Widget
• Information/Interaction Widget
• Can be independent in Online banking or external application
•Secured and requireed login credentials
•Data communication on SSL
Slide 8
Transactions Information & Interaction General
These are widgets which can be integrated & published for view of general public. Few of them still require Sign-in using online banking credentials if these are part of Online banking. These will publish information about products, interest rates, calculators etc.
Calculators
Financial calculators - Mortgage, Auto Loan, Home Loan, Exchange Rates, Personal Finance
Advice
Connects to Interactive WiKi's, Blogs with moderator or Senior member giving advice/suggestions based on the question.
Offers
Lists new products or offers for the customers
Rates
Interest rates on Deposits, Savings accounts
Compare Us
Compare your spending with the world.
General Widgets
Slide 9
• General Widgets
• Can be independent in Online banking or external application
• No Login required
• Can be integrated to external websites for advertisement
•Suitable for Social Networking Integration
•Data pulled from bank server
General Widgets
Slide 10
Landing Page with widget types
Slide 11
Widget Customer Feel
Allows customer to pick and choose the required widgets
Widgets can be refreshed as a unit
Can be minimised or closed
Slide 12
Integration with Social Media
• Maintains the Look & feel
• Develop once & deploy in different place
• Cross selling & Up selling
• Appears based on the customer profile
Slide 13
Slide 14
Visit www.vayana.in
Thank You….learn more about us at www.vayana.in