Besta Besta: Banking

What is BeSTA?

BeSTA is a standard banking application developed by NTT DATA. NTT DATA will meet a wide variety of needs from financial institutions in Japan through the utilization of BeSTA, which is developing each day. BeSTA: Banking application engine for STandard Architecture

Vendor free  Maintain competition Neutral application for unspecified hardware vendors principles Because of its high degree of flexibility, systems of other companies can  Reduce procurement BeSTA be connected. cost Multiple banks  Reduce development Multiple banks can use a single piece of software. cost Plenty of functions that respond to a large number of user requirements  Shrink maintenance have already been installed. cost

Advanced functions  Save development Flexibility: Operational functions can be set and changed flexibly by setting efforts parameters.  Enable efficient Expandability: The AP structure formed by the components allows the expansion system to be easily expanded in the future.  No need for reconstructuring Promising future: Continuing updates by NTT DATA ensures long- term utilization.

More than 50 banks are currently using or planning to use BeSTA, the core banking software developed by NTT DATA, and the network is the largest of its kind in Japan.

Regional Bank Integrated ＳＴＥＬＬＡＣＵＢＥ Service Center (15 banks) (9 banks)

Aomori Bank Senshu Ikeda Bank Tohoku Bank Kanagawa Bank

AKITA BANK TOTTORI BANK Tokyo Tomin Bank Nagano Bank

Bank of Iwate San-in Godo Bank TOYAMA BANK Sendai Bank

Ashikaga Bank Shikoku Bank Tajima Bank Kirayaka Bank

Chiba Kogyo Bank Oita Bank FUKUHO BANK NISHI-NIPPON Hokuetsu Bank CITY BANK Fukui Bank Aichi Bank ＭＥＪＡＲ (5 banks)

Bank of Kyoto Hokkaido Bank HOKURIKU BANK

Bank of Yokohama 77 Bank ＢｅＳＴＡｃｌｏｕｄ (10 banks) Higashi-Nippon Bank

FIDEA Holdings Hokuto Bank SHONAI BANK NEXTBASE (13 banks)

Aozora Bank * BeSTA package provided from Hitachi, Ltd. SBK FUKUOKA CHUO BANK Saga Kyoei Bank BANK OF NAGASAKI Howa Bank Miyazaki Taiyo Bank MINAMI NIPPON BANK OKINAWA KAIHO BANK

Copyright © 2017 NTT DATA Corporation 2 Collaboration concerning the BeSTA  banking application and surrounding businesses The value of the Integrated Service Center should be improved by promoting expansion of the range of systems to be integrated and improving the coalition concerning IT and other areas among customers. Ideas on collaboration, including with the coalition, concerning non-IT areas are broadly solicited.

Exchange BPO Mutual support in between natural disasters users Business Regional matching revitalization Joint product BeSTA Regional currency CSIRT function development FinTech Lab Next-generation Regional reward Joint WG systems study points Coalition outside the IT IT human Expansion of area resource integration range Expansion of Bank without its ・Measures against illegal trading or development face-to-face channels own banking center antisocial organization ・Office system ・Intra-bank batch ・Subsystem integration, etc. ・Business support solution Provisions for a declining population ・ATMs supporting Expansion of ・Preparation for bank realignment international cards, Coalition concerning the ・Next branch strategy, etc. etc. Non-face-to-face channels ・Internet banking IT area ・Fintech coalition Provision for ・Banking app Provisions for legal systems Payment sophistication ・Integration of taxation on ・Instantaneous account transfer financial income ・Support for major-brand ・Individual number debit cards ・Expansion of tax exemption ・24-hours-a-day, System integration for small-lot securities 365-days-a-year operation Investors, etc. of Zengin System Evolution of backbone Regional Bank system Integrated Service Center

Three areas to be studied intensively are operation, data accumulation/analysis, and open innovation. Priority investment area Investment assets (key words)

• Automating and streamlining routine clerical work Automation (utilizing AI, interactive interface, RPA) Studying solutions for automating, computerizing, [Back-office tasks] Identification, loan screening, 1 and and streamlining clerical work by bank clerks and investigation streamlining customer service [Front-office tasks] Over-the-counter service, (operation) answering the phone, and responding to mail • Detecting illegal money transfers

• Integrated management/analysis of customer Improving the reliability Providing data accumulation/analysis function information of sales and • Accumulation/analysis of unstructured data through networks inside and outside the bank; 2 management strategies • Mounting a campaign at an appropriate time on an (data accumulation planning associated strategies /analysis） appropriate channel, depending on the transaction and place • Applying advanced technologies (AI, authentication technologies, interactive interface, Open Creating new businesses by utilizing the VR, AR, blockchain, etc.) to banking businesses relationships and technologies of startups 3 innovation • Using FinTech to determine loan demand or (including in non-IT fields) provide a new payment service to increase the appeal of bank services, etc.

This project will be a valuable opportunity to have major domestic regional banks and the financial market use your technology or service. Work with us to come up with new solutions/businesses for financial institutions.