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Next-Generation Online Banking — Smart Features to Build Customer Relationships and Revenues

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Next-Generation Online Banking — Smart Features to Build Customer Relationships and Revenues FUSION DIGITAL CHANNELS ONLINE BANKING Next-Generation Online Banking — Smart Features to Build Customer Relationships and Revenues We want to be a modern bank Fusion Digital Channels' Online Banking is designed for a “that brings together the best world where digital has become the primary channel of both worlds: traditional in- for transactions branch banking and innovative digital services.” Today’s banks understand that service Customer Understanding Luís Amado design starts from digital. They have With fewer and fewer personal COO, Banco CTT to compete not only with other banks interactions occurring in branch, banks but also with the rising expectations must find new ways to identify their of customers. Those xpectations have customers’ financial needs. been set by Apple, Facebook and Google. Banking is no longer where you go – it’s Product Marketing something you do. As online banking Customers run through many screens services have become commoditized, to manage their finances online. banks face a number of challenges: Since banner blindness is common, banks need to find innovative and personalized Customer Onboarding ways to display their offerings. User engagement should not focus only on existing customers, but also provide Effective Sales a quick and convenient omni-channel Once a customer has identified their onboarding process for new customers. product need, banks must have a convenient way for them to pass through Brand Differentiation the application process. Fusion Digital Banks need to differentiate their brands to Channels offers is an innovative online improve recognition and drive customer banking solution that addresses loyalty. Yet, customizing a product often these challenges and meets the result in long time-to-market periods, a demands of this rapidly developing and loss of upgradeability and getting into a demanding segment. vendor-lock. Online Banking can be easily integrated into any core banking system and reduces complexity from customization projects by providing access to its Digital Development Kit, enabling banks to rapidly add new modules and develop propositions. FINASTRA Factsheet 1 Online Banking Maximizes Market Reach and Opportunities, Whilst Reducing Costs by Taking Transactions Out of the Branch With unblu’s Collaboration Intuitive User Interfaces Security Ensured Designed from extensive usability Our extendable multi-level authentication “solution you leverage every research, improve your customers’ module ensures secure access to online opportunity to sell, advise, experience and increase customer financial data while the integrated PKI reward and retain customers satisfaction levels and time spent onsite. token (with QR code backup) helps to find - utilizing Co Browsing, Chat the right balance with usability. An Effective Sales Engine and Video in Finastra’s banking Generate new revenue streams, through Ease of Use infrastructure improves trust and a range of targeted marketing assets, The unique design features a personalized loyalty by creating a compelling delivered through the FusionBanking widget-based dashboard. Transaction customer experience. Digital Sales module. history allows dynamic, fast and ” sophisticated filtering of transactions, with Paul Swaddle Capitalize on New Market Opportunities easy search and rich visualization, such as OEM and Alliances Director at unblu Rapidly add new modules to your calendar or tree-map view. customer proposition as opportunities arise. The extensible nature of Online Flexible Rights Management Banking provides a strong platform Flexible access allows the definition for a bank to develop its proposition of new roles, groups, rights and even incrementally. The "Custom forms" no- signature rules to ensure maximum ease code tool enables the rapid introduction of of use. new form style functions by the admins. Differentiate Your Segments Easily Customizable Pick the right communication for your The Digital Platform is built on open segments. Configure different skin Java standards. With its Digital themes, dashboards, management Development Kit, Online Banking provides options and even language variants a strong toolkit for a bank or a local for different clients. partner to modify or add new functions, reducing development time and effort. Co-Browsing Co-browsing is an optional package that Onboarding and Product allows organizations to interact with Application Framework visitors to their websites in real time, Our omni-channel technology framework guiding customers through their digital allows easy delivery and customization of journey to a successful completion. customer onboarding and manage your own online banking channel. Through the Operation Administration Console, you can configure The solution is available both in form of the system yourself, manage your deployed solution or Software as a Service translations, customers and employees from cloud. – or communicate with your customers through internal messaging. 2 FINASTRA Factsheet Online Banking provides a wide set of features, but it can also be extended with additional modules such as the Personal Financial Management, Digital Sales, Co-browsing and Investments. Integration with Finastra core banking systems is out-of-the-box, but can also be done easily with any other, third-party core system. Next-Generation User Interface Finastra believes banks can communicate more powerfully through images. From Transaction History, through the whole spectrum of the customer’s journey, this approach delivers a significantly better customer experience. We provide an opportunity to define different themes and various settings of the user interface for each segment. Online interface from Banco CTT, a Fusion Digital Channels customer Online Banking has a widget-based dashboard with extensive personalization options. Widgets are the simplified At Finastra, we work hard to make Technology representation of functions, in order to customers’ lives simpler. In addition to Fusion Digital Channels' Online Banking provide a quicker experience for the most intuitive user interfaces, a wide range of is a Java-based solution that uses frequently used functions. out-of-the-box features, a comprehensive mainstream Open Source technologies. It is The bank can define the default set of Administration Interface designed for highly modular, with full Service Oriented widgets and users can personalize them banking processes, segment-based UI Architecture. Customization is supported to their specific needs: add, remove themes and configurations, and seamless through configuration and the Digital and re-order widgets. Online Banking's integration with Personal Financial Development Kit allows own custom intuitive, segment-based user interface Management are key capabilities that developments and ensures upgradeability. and themes are based on extensive differentiate our service. With a variety of The solution uses HTML and CSS-based usability research. advertising assets, like banners, banks responsive web design. can reach customers and position their products more effectively. Integration and Installation Online Banking is a browser-based, An extension module for managing sales installation-free solution. Its open API and marketing campaigns throughout allows you to introduce cross-platform, digital channels with targeted sales as well as platform-specific content. offers generates more effective cross- The solution has a full responsive design, selling opportunities. so it works smoothly both on desktop and tablet devices. FINASTRA Factsheet 3 A Pioneer in Digital Banking, Ferratum put Technology at the Heart of its Business, Eliminating the Need for Physical Branches Fusion Essence enables fast “processing whilst helping us offer customers a seamless user experience.” Caj Sjöman Head of Mobile Banking, Ferratum Online Bank Interface Our award-winning Innovation Labs work convenient as possible for customers to As digital technology continues to change on disruptive ideas to bring more useful access the services they need. the face of the banking industry, Ferratum features into everyday banking life. They have recognizes the importance of continuous Ferratum focuses on delivering the best a laser focus on user experience. innovation. Caj Sjöman explains: possible digital banking experience. “Innovation is a huge part of Ferratum’s Ferratum selected Finastra’s Fusion That means providing quick, easy, success. To stay at the forefront of digital Essence and Fusion Digital Channels as its round-the-clock access to services. banking, we need to keep extending and core banking system and the foundation They know from customer feedback that improving our digital banking offering to for its innovative omni-channel banking speed of delivery is crucial - customers meet our customers’ evolving demands.” products and services. To deliver an don’t want to have to wait several days exceptional customer experience across for transactions to go through or loan its mobile and online channels, the bank applications to be approved, they want it wanted to make it as quick, easy and all done in real time. About Finastra Corporate Headquarters Finastra unlocks the potential of people and businesses in fi nance, creating a platform for open innovation. Formed in 2017 4 Kingdom Street by the combination of Misys and D+H, we provide the broadest portfolio of fi nancial services software in the world today— Paddington spanning retail banking, transaction banking, lending, and treasury and capital markets. Our solutions enable
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