1. an Axxiome Group company.
Mobile Solutions for Customers and Employees
of Financial Institutions

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: Payment Systems, BackOffice & Teller Front-End Systems, Loan
Origination Systems, Mobile Solutions and Business Intelligence.

3. Global Presence
Canada Germany
Axxiome Canada Ltd. Axxiome Dtl. GmbH
UK
Axxiome UK Ltd.
Poland
Axxiome Polska Sp. z o.o.
USA
Axxiome Americas Inc
Software Factory
Switzerland
Axxiome AG
Mexico
Office
Brazil
Colombia Office
Axxiome Colombia SAS
Argentina Uruguay
Office Axxiome Uruguay SA
2innovate IT
Software Factory
Software Factory

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. What does mobility mean for the
financial world ?

7. 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.

8. What does mobility mean for financial institutions ?
 Accelerated banking business by mobilizing workflows and business data.
 Support of field activities, such as sales and operations and decision support at
all levels.
 Improved customer loyalty.
 Improved customer service at the branches.
 Increased transaction volumes through remote (mobile) channels.
 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.

9. an Axxiome Group company.
Mobile Offer for Customers & Employees
M-Banking
4 Employees

10. Service Offer - Mobility for Financial Institutions.
 Consulting services and strategies to mobilize the
bank. Experts on the financial business and on
technologies aimed at increasing profitability with
mobile solutions.
 Tailored made development and deployment of
mobile solutions on Sybase Unwired Platform &
Afaria (MADP & MDM). Software factories in
Uruguay, Argentina and Poland. On site architects
and functional analyst.
 Integration of Sybase 365 with any core banking.
 Customization and deployment using Sybase 365.
Mobile solutions for customers and corporate
banking.
 Maintenance and support 7x24.

11. Product Offer - Mobility for Financial Institutions.
MOBILE for Employees
MOBILE for Employees Mobile for CUSTOMERS
Mobile for CUSTOMERS
 Axxiome. M-Banking4E is a mobile  Sybase. Mobile for mCommerce 365 is a
banking app for employees aimed at suite of mobile services that enables
supporting activities of account officers, Retail and Corporate customers to
sales force staff and decision makers of access and operate their accounts,
the bank enabling them to work anywhere and anytime.
anywhere and anytime.
 Origination process for the  mBanking 365 – Mobile Banking
Sales Force. Customers.
 Specialized dashboards for the  mPayment 365 – Mobile Payments.
CEO, COO, CFO and CTO.  mRemmitance 365 – Mobile
 Foreign Trade. Remmitances.
M-Banking
4 Employees

12. Mobile for Employees – M-Banking4E.
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. 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. Implementing
mCommerce 365
Mobile for Customers

15. Mobile for Customers.
mBanking 365 mPayments 365 mRemmitances 365

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

17. Offer – mCommerce 365
EVOLUTION OF REQUIREMENTS
Mobile Banking Mobile Payments mRemittance
Mobile Money
End User End User
• End User
- AirTime TopUp Balance, Statement, Bill Payment
• Account balances - P2P, Bill Payment, Intl. Transfer, Cash In/Cash Out
• Transactional history - Remittance, Merchant Payment,
• Account details - Merchant Payment Micropayments, Loan
Agents Repayments
• Card management
- KYC details/collections Agents
• PIN management - Cash In/Cash Out KYC details/collection
• Complaints management Merchant Cash In/Cash Out
• Notifications/alerts - Merchant portal , fee tracking, Merchant
• User preferences such as - Merchant onboarding Merchant portal
languages or limits Back-office Merchant reports , fee tracking
- Settlement, Clearing, Fee Back-office
• Back-office functions distribution GL, Settlement, Clearing, Interest
• Reports, etc. Customer Support rate calculation, Bulk Payments
Blocking, activating, reversals Customer Support
Blocking, enabling, reversals
Cost Savings New Services New Value

18. Offer – mCommerce 365

19. Why Axxiome / 2 innovate IT ?
 We are an innovative company with more than 200 years of experience in the banking business.
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.
 We have mature and cost efficient software factories located in Uruguay, Argentina and Poland.
 We are a strategic global partner of SAP 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 300 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. We share SYBASE’S vision of unwired enterprises
INFORMATION INFORMATION
MANAGEMENT MOBILITY
Any Application Any Device
DECISION-READY
INFORMATION
Any Server Platform Any Person
INTEGRATION COLLABORATION
Any Data Always Available
MANAGE ANALYZE MOBILIZE

21. Thanks for your time!!!
Questions ?
ivan.kechichian@2innovateIT.com
ivan.kechichian@axxiome.com