Cognizant’s out-of-the-box retail banking framework has been developed in partnership with IBM on their Worklight platform.

1. All the benefits of
Mobile Banking,
optimized for your
customers’ needs
mybank

2. With the rapid proliferation
of mobile phones today, it may
come as no surprise that over
70% of the world’s population
owns a mobile connection,
whereas only a little over 30%
have bank accounts. The
mobile channel presents an
exciting new means for banks
to service customers, extend
financial inclusion and bank
the unbanked.
Copyright © 2014 Cognizant Technology Solutions | Mobility1

3. Mobile banking is
increasingly being seen
as a basic and essential
service rather than a
luxury or convenience,
and influences a
customer’s choice of bank.
Banks offering mobile
banking apps stand to
enjoy a range of benefits :
LEVERAGE NEW BUSINESS MODELS & MARKETS
- Reach the unbanked & under banked markets
- Increase share of digital payments
- Empower partners to provide wallet services by supplying the bank
end infrastructure, Use analytics to design more relevant products
INCREASE PROFITABILITY
- Reduce Operating Costs
- Cross sell products using mobile channel
- Mobile Marketing / Promotions
2
INCREASE CUSTOMER LOYALTY
- Provide Ultra convenient customer service
- Personalized services, alerts & reminders
- A Context sensitive proposition to customers
Copyright © 2014 Cognizant Technology Solutions | Mobility

4. 3 Copyright © 2014 Cognizant Technology Solutions | Mobility
Cognizant’s out-of-the-box
mobile banking solution, is
an easy to customize retail
banking template developed
on the IBM Worklight
platform. It allows a client
bank to pick and choose from
an increasing array of
features and functionalities to
offer an optimized mobile
banking solution to its
customers, tailored to suit
their specific needs.

5. Copyright © 2014 Cognizant Technology Solutions | MobilityCopyright © 2014 Cognizant Technology Solutions | Mobility
TRANSACTIONAL
FEATURES
• Intra & Inter-bank fund transfers
• P2P Payments & Remittances
• Manage Beneficiaries
• Bill Payment
• Card Management
• Remote Deposit Capture
USABILITY
• Employing Empathic Design
philosophies
• myBank’s intuitive user interface and
features such as multi-language
support and user-customizable themes
ensure that bank customers are
comfortable and content with the
mobile banking experience.
SECURITY
• We understand the paramount
importance of security in a banking app
and have thus ensured compliance with
the payment card industry’s PCI DSS,
and OWASP security standards.
• Other security features include
Multi-factor authentication including
biometrics, Device layer, App layer and
Transport layer protection.
TRANSFORMATIONAL
FEATURES
• Personal Financial
• Management Tools
• Social Media Integration
& Gamification
• Context Based Offers
• Rewards & Loyalty Programs
• Mobile Commerce
INFORMATIONAL
FEATURES
• Accounts Listing
• Balance Enquiry
• Transaction Histories & Statements
• Customer Support & Service
Requests
• Alerts
• Shareable Notifications & Marketing
Messages
• ATM & Branch Locator
• News & Social Media Feeds
4

6. solutions overview ClipboardPageNumber
About Cognizant
Cognizant (NASDAQ: CTSH) is a leading provider of information technology, consulting, and business process
outsourcing services, dedicated to helping the world’s leading companies build stronger businesses. Headquartered
in Teaneck, New Jersey (U.S.), Cognizant combines a passion for client satisfaction, technology innovation, deep
industry and business process expertise, and a global, collaborative workforce that embodies the future of work.
With over 50 delivery centers worldwide and approximately 162,700 employees as of March 31, 2013, Cognizant is a
member of the NASDAQ-100, the S&P 500, the Forbes Global 2000, and the Fortune 500 and is ranked among the
top performing and fastest growing companies in the world. Visit us online at www.cognizant.com
Twitter: Cognizant.
World Headquarters
500 Frank W. Burr Blvd.
Teaneck, NJ 07666 USA
Phone: +1 201 801 0233
Fax: +1 201 801 0243
Toll Free: +1 888 937 3277
Email: inquiry@cognizant.com
© Copyright 2013, Cognizant. All rights reserved. No part of this document may be reproduced, stored in a retrieval system, transmitted in any form or by any means,
electronic, mechanical, photocopying, recording, or otherwise, without the express written permission from Cognizant. The information contained herein is subject
to change without notice. All other trademarks mentioned herein are the property of their respective owners.
European Headquarters
1 Kingdom Street
Paddington Central
London W2 6BD
Phone: +44 207 297 7600
Fax: +44 207 121 0102
Email: infouk@cognizant.com