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Comarch competence map
 Banking

Jakub Lewandowski
Managing Director


Copyright Comarch 2010
Comarch competence map for Banking



    Comarch overview
    •    International software house and IT
         service provider
    •    16 years of experience
    •    End-to-end products and services
         for banking and other financial
         institutions
    •    Strong focus on front-end solutions
    •    Extensive investments in R&D: 15%
         of revenue




2   Copyright Comarch 2010
Comarch competence map for Banking


    We deliver




3   Copyright Comarch 2010
Comarch competence map for Banking


    We deliver




4   Copyright Comarch 2010
Comarch competence map for Banking


    We deliver




5   Copyright Comarch 2010
Comarch competence map for Banking


    We deliver




6   Copyright Comarch 2010
Comarch competence map for Banking



 Focus on the front-end
    •      The challenge:                            •   The opportunity:
             – Customers are better informed              – Customer data presentation and
               and require more knowledge from              management get integrated in a
               advisors                                     single, web-based application
             – Product offer gets more and more           – Advisors and tellers need less
               complex                                      time and effort to perform most
                                                            common operations
             – Customer data is fragmented in
               numerous legacy systems that               – Modern technology reduces the
               have separate front-end                      maintenance cost and guarantees
               applications                                 a future-friendly framework
             – Traditional front-end technology           – Customer service scripts and
               means high maintenance cost                  intranet knowledge base speed up
                                                            sales force training and new
                                                              product launch
    •    Related products:
            –    Comarch Front End platform (CAFE)
            –    Comarch CRM Sales Management
            –    Comarch Contact Center
7   Copyright Comarch 2010
Comarch competence map for Banking


    Best-of-breed self service
    •    The challenge:                             •       The opportunity:
            – Customers demand constant                      – All products including loans,
              progress in functionality and                    investments and trade finance in a
              technology                                       single Financial Portal
            – Usability often lags behind                    – Broad base of banks drives the
              functionality - rendering standard               constant progress in functionality
              systems difficult to use for people              and ease-of-use
              without computer expertise                     – Best technology gives more
            – Traditional internet banking                     freedom and integration capability
              services work poorly on most of                – Mobile channel can work
              modern mobile devices                            independently or be integrated
                                                               with a „full” version

    •    Related products:
                                                        –   Comarch Mobile Banking
            –    Comarch Internet Banking
                                                        –   Comarch Mobile Investments
            –    Comarch Internet Investments
                                                        –   Comarch NOL
            –    Comarch Contact Center
8   Copyright Comarch 2010
Comarch competence map for Banking

 Business processes
 re-defined
    •    The challenge:                                  •       The opportunity:
            – Most of BPM implementations are                     – Integrated „inbox” for all workflow
              business-area specific                                based tasks
            – Separate „inboxes” generate risk                    – The complete credit process
              of overlooking an item                                management from the loan
            – Lack of flexibility and integration                   origination to debt management
              capabilities leads to most of BPM                     defined in a single tool
              implementation failures                             – Independence from a workflow
            – Loan origination is usually                           engine allows bank to develop the
              separated from the active contract                    system in unlimited directions
              monitoring                                          – Document imaging accelerates
                                                                    the workflow while paper originals
                                                                    are kept in a safe, certified archive
    •      Related products:
                                                             –   Comarch Scoring Engine
             –     Comarch Business Process Management
                                                             –   Comarch Debt Management
             –     Comarch Credit Process Management
             –     Comarch Document Management System
9   Copyright Comarch 2010
Comarch competence map for Banking


     Knowledge-based marketing

     •     The challenge:                           •       The opportunity:
             – Marketing campaigns span more                 – Precisely targeted marketing
               media types then ever - new ones                campaigns and product offer
               emerging every year                             based on analytical tools
             – Cost-effective marketing requires             – Churn lowered with properly
               precise planning and monitoring                 packaged products and services,
               difficult in real time                          dynamic pricing and monitoring of
             – Average bank customer loyalty                   the customer behavior
               decreases as the remote access                – Tracking all campaigns from an
               gains popularity                                idea to effectiveness analysis
                                                             – Designing and executing loyalty
                                                               programs
     •    Related products:
                                                        –   Comarch Loyalty Management
             –    Comarch aCRM
                                                        –   Comarch Content Management System
             –    Comarch Business Intelligence
                                                            (CMS)
             –    Comarch CRM Campaign Management
10   Copyright Comarch 2010
Comarch competence map for Banking

     Support for growing
     sales network
     •     The challenge:                                •       The opportunity:
             – Sales data is delayed and often                    – Sales planning and monitoring in
               too late to react                                    a single centralized tool
             – Various customer segments                          – Current sales record visible to
               require various service models                       advisors and managers
             – Commission systems that use                        – External sales networks managed
               spreadsheets or simple databases                     centrally
               may not cope with the complex                      – Most complex commission
               sales environment                                    policies calculations automated
                                                                    with the web access to invoices
                                                                    and historical data


     •     Related products:
                                                             –    Comarch Commission and Incentive
             –     Comarch Business Process Management
                   (BPM)
             –     Comarch CRM Sales Management
11   Copyright Comarch 2010
Comarch competence map for Banking


     Corporate customers
     •    The challenge:                               •   The opportunity:
             – Transactional banking becomes a              – Products, services and processes
               key competitive business area                  integrated within transactional
             – Trade finance and factoring may                banking
               be difficult to automate fully               – Trade finance automation with the
             – Best execution and low latency                 comprehensive document
               requirements enforce the shorter               management
               time lag between trade and                   – Multi-currency, multi-asset and
               settlement                                     multi-custody solution for
             – UCITS IV and depositary EU pass                domestic and foreign clients
                                                              based on the unified account
                                                              approach
     •    Related products:                                 – Acceleration of the STP power
             –    Comarch Custody                             including pre-trade, trade and
             –    Comarch Depositary
                                                              post-trade activities (SWIFT, FIX)
             –    Comarch Factoring
             –    Comarch Document Management System
                                                            – Comprehensive fund servicing
12   Copyright Comarch 2010
Comarch competence map for Banking

     Risk measurement
     and compliance
     •     The challenge:                        •   The opportunity:
             – Markets are more volatile while        – Fully automated deal routing
               instruments get more                     between a customer, dealer and
               sophisticated                            risk controller
             – New risk and compliance                – Comprehensive valuation and risk
               regulations coming soon                  assessment for all treasury
             – Customers become ready to buy            operations
               complex instruments instead of         – All (instruments)-in-one what-if
               selling them                             and stress-testing to keep the risk
             – Not enough focus on the middle-          limits safe
               office generates too much risk


     •     Related products:
             –     Comarch Deal Management
             –     Comarch Risk Management

13   Copyright Comarch 2010
Comarch competence map for Banking


     Technology and IT expertise

     •     The challenge:                               •       The opportunity:
             – Numerous applications (on                         – Centralized user management
               average 200 systems run in each                     meeting the highest industry
               bank) use different user catalogs                   standards
               and access management tools                       – State-of-the-art payment
             – Internet banking users are                          authorization with one-time SMS
               vulnerable to hacker attacks                        codes
             – Changing market conditions mean                   – Additional security to prevent e.g.
               variable demand for the IT staff                    man-in-the-browser attacks
                                                                 – Lower IT infrastructure costs
                                                                 – Additional, highly skilled workforce
                                                                   with a broad range of IT skills
     •     Related products:
                                                            –    Comarch SmartCard
             –     Comarch Security Access Management
                   (DRACO)                                  –    Comarch ESB
             –     Comarch PKI                              –    Outsourcing services
14   Copyright Comarch 2010                                 –    Comarch T-Pro
Thank you

finance@comarch.com



Copyright Comarch 2010

Contenu connexe

Comarch Competence Map For Banking

  • 1. Comarch competence map Banking Jakub Lewandowski Managing Director Copyright Comarch 2010
  • 2. Comarch competence map for Banking Comarch overview • International software house and IT service provider • 16 years of experience • End-to-end products and services for banking and other financial institutions • Strong focus on front-end solutions • Extensive investments in R&D: 15% of revenue 2 Copyright Comarch 2010
  • 3. Comarch competence map for Banking We deliver 3 Copyright Comarch 2010
  • 4. Comarch competence map for Banking We deliver 4 Copyright Comarch 2010
  • 5. Comarch competence map for Banking We deliver 5 Copyright Comarch 2010
  • 6. Comarch competence map for Banking We deliver 6 Copyright Comarch 2010
  • 7. Comarch competence map for Banking Focus on the front-end • The challenge: • The opportunity: – Customers are better informed – Customer data presentation and and require more knowledge from management get integrated in a advisors single, web-based application – Product offer gets more and more – Advisors and tellers need less complex time and effort to perform most common operations – Customer data is fragmented in numerous legacy systems that – Modern technology reduces the have separate front-end maintenance cost and guarantees applications a future-friendly framework – Traditional front-end technology – Customer service scripts and means high maintenance cost intranet knowledge base speed up sales force training and new product launch • Related products: – Comarch Front End platform (CAFE) – Comarch CRM Sales Management – Comarch Contact Center 7 Copyright Comarch 2010
  • 8. Comarch competence map for Banking Best-of-breed self service • The challenge: • The opportunity: – Customers demand constant – All products including loans, progress in functionality and investments and trade finance in a technology single Financial Portal – Usability often lags behind – Broad base of banks drives the functionality - rendering standard constant progress in functionality systems difficult to use for people and ease-of-use without computer expertise – Best technology gives more – Traditional internet banking freedom and integration capability services work poorly on most of – Mobile channel can work modern mobile devices independently or be integrated with a „full” version • Related products: – Comarch Mobile Banking – Comarch Internet Banking – Comarch Mobile Investments – Comarch Internet Investments – Comarch NOL – Comarch Contact Center 8 Copyright Comarch 2010
  • 9. Comarch competence map for Banking Business processes re-defined • The challenge: • The opportunity: – Most of BPM implementations are – Integrated „inbox” for all workflow business-area specific based tasks – Separate „inboxes” generate risk – The complete credit process of overlooking an item management from the loan – Lack of flexibility and integration origination to debt management capabilities leads to most of BPM defined in a single tool implementation failures – Independence from a workflow – Loan origination is usually engine allows bank to develop the separated from the active contract system in unlimited directions monitoring – Document imaging accelerates the workflow while paper originals are kept in a safe, certified archive • Related products: – Comarch Scoring Engine – Comarch Business Process Management – Comarch Debt Management – Comarch Credit Process Management – Comarch Document Management System 9 Copyright Comarch 2010
  • 10. Comarch competence map for Banking Knowledge-based marketing • The challenge: • The opportunity: – Marketing campaigns span more – Precisely targeted marketing media types then ever - new ones campaigns and product offer emerging every year based on analytical tools – Cost-effective marketing requires – Churn lowered with properly precise planning and monitoring packaged products and services, difficult in real time dynamic pricing and monitoring of – Average bank customer loyalty the customer behavior decreases as the remote access – Tracking all campaigns from an gains popularity idea to effectiveness analysis – Designing and executing loyalty programs • Related products: – Comarch Loyalty Management – Comarch aCRM – Comarch Content Management System – Comarch Business Intelligence (CMS) – Comarch CRM Campaign Management 10 Copyright Comarch 2010
  • 11. Comarch competence map for Banking Support for growing sales network • The challenge: • The opportunity: – Sales data is delayed and often – Sales planning and monitoring in too late to react a single centralized tool – Various customer segments – Current sales record visible to require various service models advisors and managers – Commission systems that use – External sales networks managed spreadsheets or simple databases centrally may not cope with the complex – Most complex commission sales environment policies calculations automated with the web access to invoices and historical data • Related products: – Comarch Commission and Incentive – Comarch Business Process Management (BPM) – Comarch CRM Sales Management 11 Copyright Comarch 2010
  • 12. Comarch competence map for Banking Corporate customers • The challenge: • The opportunity: – Transactional banking becomes a – Products, services and processes key competitive business area integrated within transactional – Trade finance and factoring may banking be difficult to automate fully – Trade finance automation with the – Best execution and low latency comprehensive document requirements enforce the shorter management time lag between trade and – Multi-currency, multi-asset and settlement multi-custody solution for – UCITS IV and depositary EU pass domestic and foreign clients based on the unified account approach • Related products: – Acceleration of the STP power – Comarch Custody including pre-trade, trade and – Comarch Depositary post-trade activities (SWIFT, FIX) – Comarch Factoring – Comarch Document Management System – Comprehensive fund servicing 12 Copyright Comarch 2010
  • 13. Comarch competence map for Banking Risk measurement and compliance • The challenge: • The opportunity: – Markets are more volatile while – Fully automated deal routing instruments get more between a customer, dealer and sophisticated risk controller – New risk and compliance – Comprehensive valuation and risk regulations coming soon assessment for all treasury – Customers become ready to buy operations complex instruments instead of – All (instruments)-in-one what-if selling them and stress-testing to keep the risk – Not enough focus on the middle- limits safe office generates too much risk • Related products: – Comarch Deal Management – Comarch Risk Management 13 Copyright Comarch 2010
  • 14. Comarch competence map for Banking Technology and IT expertise • The challenge: • The opportunity: – Numerous applications (on – Centralized user management average 200 systems run in each meeting the highest industry bank) use different user catalogs standards and access management tools – State-of-the-art payment – Internet banking users are authorization with one-time SMS vulnerable to hacker attacks codes – Changing market conditions mean – Additional security to prevent e.g. variable demand for the IT staff man-in-the-browser attacks – Lower IT infrastructure costs – Additional, highly skilled workforce with a broad range of IT skills • Related products: – Comarch SmartCard – Comarch Security Access Management (DRACO) – Comarch ESB – Comarch PKI – Outsourcing services 14 Copyright Comarch 2010 – Comarch T-Pro