Build Stronger Customer Relationships in the Digital World

FUSION DIGITAL PLATFORM PERSONAL FINANCIAL MANAGEMENT

At a time when banking is evolving away from personal contact and customers are demanding better control over their finances, Personal Financial Management makes it possible to offer personalized banking in the digital world.

Treating financial services as a Online and mobile banking propositions Improved, Omni-Channel are becoming commoditized. At the same Customer Experience “game is the most transformational time, banks’ customers are moving away Personal Financial Management opportunity available to banks from branches and demanding advanced increases your customers’ financial looking for an opportunity to online tools to control and manage their awareness by providing a deep insight out compete the market. finances better. into their finances. It helps them to ” forecast incomes and control expenses, Personal Financial Management transforming your existing service into Colin Weir addresses these issues directly, enabling an innovative financial management and CEO, Moroku banks to offer new value-added services advisory center. Fusion Digital Platform's to their customers and differentiate their PFM provides seamless and engaging online propositions. customer experience through all digital As a support tool for customers seeking channels: PC, tablet and mobile. to keep their finances in order by forecasting incomes and controlling Customer Engagement expenses, Finastra's PFM is second to With consistent omni-channel none, transforming the Internet bank engagement, in-branch, online or via into an innovative financial manager and mobile, banks are able to increase advisory center. While your customers customer exposure to their products and enjoy a superior service, you gain better services, providing valuable up-selling insight into their needs, enabling you to opportunities. You can bring users to the provide additional services and uncover branch or communicate with them online, new sales opportunities. creating an interaction with your financial products and services. This enhances your social image and involvement and enables you to upsell existing financial products to current customers.

FINASTRA Factsheet 1 Fusion Digital Platform's Personal Financial Management

Personal Financial Management helps you increase your customer satisfaction and loyalty, differentiating your online banking proposition and providing competitive advantage.

Gamification and Social Media Simplifying Cross- and Up-Selling Finastra's PFM with Gamification enables By binding financial products to goals, a bank users to share their goals with friends and can seamlessly generate leads and cross- 72% family on social media. It rewards users sell financial products, such as deposits, of consumers that use PFM tools with “gamification” points, and enables retirement plans, investments and loans. today don't use bank apps. But 40% of them to make inter-account payments. these would rather use a banking app. This “gamification” approach, which has Easy to Integrate Source: Novantas Data Services, 2014 been adopted from the world of video The system merges easily with your games, encourages your customers to existing Internet banking platform or can do more with PFM, engage with the bank be used via the Fusion Digital Channels' more frequently and have rewarding Online Banking platform to integrate core experiences. We make it possible to systems directly. deploy games, encourage social sharing with friends and family, and use social Short Implementation Time curiosity and rewards to transform online To support quick time to market PFM has banking into a useful tool to engage and been designed for a rapid implementation. entertain customers. Completely Secure Activation and mobile PIN simplify authentication and ensure quick access to services such as ‘add new cash transaction’, with security scaled to strict banking requirements.

2 FINASTRA Factsheet Fusion Digital Platform's PFM provides your customers with these functionalities and much more to give them insight into their personal finances:

• Transaction enrichment augments the • Building on our experience we existing transactions with additional developed a one level categorization data to provide a better experience. scheme that provides comfort in everyday usage and has proven to be • Free to spend conducts cash the most effective for all segments. flow analysis and forecasts free Split categorization enables the division to spend amount for the current of single transactions into smaller budgeting period. The tool predicts portions that can be categorized the amount available to spend after in different ways. Automatic receiving income and making all the categorization reduces the load of scheduled payments. manual categorization but enables • Net wealth is a summary of the customers to adjust the behavior of current net wealth position of a user. the engine by adding their own rules All total current assets and liabilities to adapt it to their needs. are presented in the overview screen • Wishes and goals provide the with their performance assessment. opportunity for customers to set up, • Where does my money go? Provides track and achieve any saving goal. insight to customers regarding how Suggested goals inspire customers much and where they are spending. to start saving. Tailored to customers’ Advanced visualization provides a expectations, they promote the most quick way to analyze spending habits relevant product related to the goal. and to act based on this knowledge. • Tutorials can be used to demonstrate • Spending manager enables customers good habits in everyday finance. to take full control over their spending Tutorials are triggered when a user by creating budgets and tracking their initiates a function that has not progress. Spending manager notifies been used before or can be initiated customers when they reach defined on demand. thresholds and overspend, helping • Shared goals allow customers to them stay on track. invite others to help them in their • Income and spending gives the details path to success. about all incoming and outgoing • Communities allow your customers transactions on all accounts in one to group around shared values. view. By using free text search, Use community competitions to enhanced by our suggestion engine, promote your brand and increase finding a specific transaction is simple promotion by word of mouth. and easy.

FINASTRA Factsheet 3 Finastra's Personal Financial Management in Action

We believe that with the innovation “of Personal Financial Assistant, developed by Finastra, UBS is making online banking simpler, clearer and more personal.” Andreas Kubli Head of Multichannel Management and Digitization at UBS Switzerland

UBS’s Online Platform has Attracted Plaudits from the Financial Community

The leading Swiss bank, UBS, adopted UBS has received recognition from the Finastra's PFM and Mobile PFM solutions banking community for developing such to fully redesign its online and mobile a customer-centric and innovative online banking solutions. As part of the bank’s platform, which has also been welcomed offering, each client has an entry page by the bank’s customers—all feedback to that can be tailored to their individual date has been positive, according to UBS. information needs: UBS’s online offering now also includes improved user navigation and presentation that is optimized for tablets.

Aout 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 customers to London W2 6BD deploy mission critical technology on premises or in the cloud. Our scale and geographical reach means that we can serve United Kingdom customers effectively, regardless of their size or geographic location—from global fi nancial institutions, to community banks and T: +44 20 3320 5000 credit unions. Through our open, secure and reliable solutions, customers are empowered to accelerate growth, optimize cost, mitigate risk and continually evolve to meet the changing needs of their customers. 90 of the world’s top 100 banks use Finastra technology. Please visit fi nastra.com

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