Axxiome Group offers consulting services for the financial industry, specializing in core banking, core insurance, and corporate treasury systems. They have over 400 consultants worldwide. Their subsidiary, 2innovate IT, specializes in developing financial software to complement legacy systems, focusing on areas like mobile solutions, payment systems, and loan origination systems. They provide consulting, implementation, and software products for mobility solutions for both bank customers and executives.

1. Mobility for Financial Institutions
An Axxiome Group company
Solutions for
Customers and Employees

2. Axxiome Group
Axxiome Group offers a wide range of consulting services for the financial
industry. We specialize in the areas of Core Banking, Core Insurance, and
Corporate Treasury systems with a strong focus on SAP products.
2InnovateIT specializes in the development of financial software to complement the
capabilities of legacy systems, focusing on functional areas around the core banking,
such as: , Mobile Solutions, Payment Systems, BackOffice & Teller Front-End
Systems, Loan Origination Systems and Business Intelligence with a strong
focus on Sybase technology. (Mobility, HANA).

3. Global Presence
Canada Germany
Axxiome Canada Ltd. Axxiome Dtl. GmbH
On Site – Advisor’s UK
Axxiome UK Ltd.
Poland
Axxiome Polska Sp. z o.o.
USA
Axxiome Americas Inc
On Site – Advisor’s
Switzerland
Axxiome AG
Mexico
Office
On Site – Advisor’s
Brazil
Colombia Office
Axxiome Colombia SAS On Site – Advisor’s
Argentina Uruguay
Office Axxiome Uruguay SA
2innovate IT
Software Factory
Software Factory
+400 consultants around the world

4. Strong focus on financial institutions.
Banking Insurance Corporates
SAP Consulting
Services
● ● ●
SAP Technology
Services
● ● ●
Software
Products
● ●
Application
Support
● ●

5. 2innovate IT - Services
Consulting and Development:
 Payment Systems.
 BackOffice & Teller Front-End Systems.
 Phone & Web Channels, integration –
EAI.
 Loan Origination Systems.
 Business Intelligence.
 Mobile Solutions for Customers and
Employees.

6. Definitions
Mobility for Bank Customers
Retail and Corporate Mobility for Bank Executives
Mobile Banking Mobile mBanking4E
The mobile device is used by
The mobile phone is used by
bank executives as Front End
customers as an access
for the Core Banking
channel to financial services
System, to do business
over Bank Accounts.
operations.
Mobile Payments, Mobile Device Management
Money Transfer (MDM) AFARIA
The mobile phone is used by
customers as a payment device A System to manage and
to transfer money from one secure Mobile Devices in
party to another. field, used by employees.

7. What does mobility mean for the
financial world ?

8. Why is mobile banking a good business ?
 Enables banks to deliver existing services  Improves security by adding another
via mobile phones, so customers can security layer (customers use the or a
access to their accounts anytime, message as an alternative to the one-time
anywhere. Personal Identification Number generator
or tokens).
 Reduces cost of customer service  Enhances marketing opportunities by
delivery over more expensive introducing more immediate and
channels, such as call center, branch personalized communication over mobile
personnel and ATMs. phones.

9. What does mobility mean for financial institutions ?
 Accelerated banking business by mobilizing workflows and business data.
 Support field activities, such as sales and operations and decision support at
all levels.
 Improve customer loyalty.
 Improve customer service in branches.
 Increased transaction volumes through remote (mobile) channels. Reducing
operative costs.
 Reduced time cycle of the banking processes. For example: loan
origination, blocking of a credit card, credit card limit increase.
 A cost efficient channel for low value transactions.
 Integration of unbanked population through their mobile transactions.
 Getting into areas of business where they are not present yet
(remittances, payment of utilities, payment of taxes and services) by using
the mobile channel.

10. Solutions offering - Mobility for Financial Institutions.
MOBILE for Executives Mobile for CUSTOMERS
Axxiome mBanking4E is a mobile banking Sybase mCommerce 365 is a platform aimed to
platform for bank executives aimed at supporting implement Mobile Commerce solutions for
activities of account officers, sales force people Financial Institutions like:
and decision makers of the bank enabling them to  Mobile Wallets. Enabling P2P Payments,
work anywhere and anytime, using core banking Remittances, Bill Payment, Merchant Payments,
functionalities. Airtime Top up, and many otherr transactions.
 Origination processes for the Sales  Mobile Banking for Retail and Corporate
Force. customers. Enabling customers access to their
 Advanced Customer Management. accounts Anytime, Anywhere.
 Mobilizing BI and specialized  Enabling personalized marketing through the
Dashboards. mobile phone.
 Foreign Trade.
 Mobilizing Workflows. Approvals,
Requests, Tasks.
mBanking4E
AFARIA - MDM

11. Professional Services – Offering.
 Consulting, Strategies, Implementation and Deployment.
 Mobile Banking.
 Mobile Wallets, Mobile Commerce, Payments and Remittances.
 Mobile Banking for Bank Executives, Strategies to mobilize the
Financial Operations.
 Mobile Front Ends for Core Banking.
 Workflows, Approvals and Requests.
 Inquiries, Dashboards, Analytic Reports.
 Advanced Customer Management, maximizing the customer
portfolio.
 Sales force in field automation.
 Tailored development.
 Integration Core Banking and Legacy Systems, with Mobile Platforms
 Integration POS Networks, ATM Networks, Payment Networks and
third-party systems with Mobile Platforms.
 Integration TELCOs (SMS) with Mobile Platforms.

12. Mobile for Bank Executives – mBanking4E.
Sales Force Empowerment
Key Functions
 List of assigned customers.
 Loan Origination Process (Loans, Credit Cards).
 List of products clients do NOT have and may be offered.
 Query on the customer’s Total Commitment.
 Customer Data, Contact Data, View on Map.
 Interest rates per product and currency exchange rates.
 Alerts on accounts receivable to call.
 Alerts on renewals of fixed term deposits.
 Requests/Response for approvals. (overdraft check, etc).
 ..............................
Executive Dashboards
Key Functions
 Executive Dashboard with a Real Time overview of the health
of the organization.
 Dashboards for the CEO, CFO, COO and CTO.
 Approval and authorization request capabilities.
 Notifications about relevant events that affect the company
so as to react in real time to dynamic business conditions.
Alerts.
 …………………………………

13. mBanking4E – Enterprise mobility use…. Today!
Dashboards
Mobile Enterprise Application Platform
Email
Execs
Workflows
Contacts
& Business
Processes
Line of Business
Managers
Approval
Requests Calendars
Field
Services CRM
Task & Business Users
Hours & Scheduling
Expenses & Dispatch

14. MDM – Managing and Securing the device Lifecycle
Provision Production
Manage Manage
• Assign group membership and policies • Track asset data
• Configuring device for connectivity • Update/repair software
• OTA delivery of management client • Monitoring & self-healing
• Initial application deployment • Maintain/modify device & app configuration
• Distribute & update LOB data & files
Secure • Software license usage and tracking
• Establish security policies • Scheduled and automate activities
• Initialize power-on password • Remote Control of devices
• Install and encrypt data on device
• Install & configure AV, firewall,
port/peripheral controls Secure
Decommission • Back-up device data
• Apply patch and security updates
Decommission • Enforce security policies
• Monitor/track security violations/threats
• Compliance activity logging
Secure
• Disable lost/stolen device Manage
– Remote kill/lock • Reprovision/reimage device
– Access violation lock – Replacement device-same user
– “Data fading” – Repurposed device
• Disable device, network, application • Redeploy software assets
access • Restore data (after device kill)

15. Implementing
Sybase mCommerce 365
Mobile Wallet
- Money Transfer.
- Merchant Payments.
- Bill Payment
- Airtime top up
- ……
Mobile Banking
- Retail and Corporate Customers.

16. Mobile Banking for Customers. Mobile Wallet.
Mobile Commerce Platform (Mobiliser)
Mobile Banking Money Transfer
Mobile Payments
The mobile phone is used by The mobile phone is used by
customers as an access channel customers as a payment device to
to financial services over Bank transfer money from one party to
Accounts. another.
mBanking 365 mPayments 365 mRemmitances 365

17. Growth Drivers
Mobile Banking Mobile Payments Mobile Money
• Competitive Pressure • Competitive Pressure • Cost of acquiring new
• Banks focused on • Phone penetration customers and opening
Transformation and a • Consumer convenience branches
Customer-centered • mCommerce growth • Government’s pressure to
approach extend financial services
• Legacy infrastructure • Demand for cash to under-
being replaced alternatives in emerging banked/unbanked
markets population
• Channel focus • MNOs seek higher ARPU
• Smartphone/Tablet boom • Competitive pressure
• Government Support and • Mobile as the only access
• Card Usage encouragement for channel to Internet
Encouragement – Take financial inclusion
advantage of the mobile programs • Government ‘s search to
phone to extend loyalty lower disbursement
programs by driving • Opportunity to get a piece program costs and
targeted campaigns to of the P2P and Intl. prevent corruption
promote card usage Remittance pie due to high • Deposit and account
cost of alternative openings
• Potential to promote providers like WU
brands and unify silos in
one application –
Insurance, Banking,
Mortgage for ex.

18. mCommerce Functionalities - An integrated solution
EVOLUTION OF REQUIREMENTS
Mobile Banking Mobile Payments Mobile Money
End User End User End User
 Account balances  AirTime TopUp  Balance, statement ,bill pay
 P2P, Bill Pay, Int’l Remittance  Transfer ,cash in/cash out
 Transaction history
 Merchant Payment  Merchant
 Account details payment, micropayments, loan
 Card management Agents repayments
 PIN management  KYC details/collection
 Cash in/cash out Agents
 Complaints management  KYC details/collection
 Notifications/alerts Merchant  Cash in/cash out
 Merchant portal, fee tracking
 User preferences such as Merchant
 Merchant on-boarding
languages or limits  Merchant portal
Back office  Merchant reports, fee tracking
Back office functions
 Settlement, Clearing, Fee
 Reports, etc. distribution Back office
 GL, settlement, clearing, interest rate
Customer Support calculation, bulk payments
 Blocking, enabling, reversals
Customer Support
 Blocking, enabling, reversals
Cost Savings New Services New Value

19. Why Axxiome / 2 innovate IT ?
 We are an innovative company with Seniority in the banking business, with more then 25 years of
experience. We have been working with our minds set on the year 2020 banking style.
 We have a strong vertical focus on the financial industry, implementing SAP for Banking, Sybase and
our own products (4x4 Transaction Broker) certified by SAP & SWIFT. The best tools to build solutions
for the financial industry.
 Have mature and cost efficient software factories located in Uruguay, Argentina and Poland.
 Strategic SAP Platinum global partner for Banking and Insurance Services. We have certified
consultants in BAS & Mobile Solutions.
 We have a big team of consultants around the world specialized in all areas of the banking business.
More than 400 consultants working in the most complex projects and implementing Core Banking,
Core Insurance and Payment Solutions for the most demanding customers, Banks & Insurances
Companies.

20. Thanks for your time!!!
Questions ?
ivan.kechichian@2innovateIT.com
ivan.kechichian@axxiome.com
www.Axxiome.com