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Building tomorrow’s bank
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Finacle from Infosys partners with banks the world over to accelerate innovation and
unlock the value levers of their business. Launching new products and services on virtual
channels, personalizing the Internet banking experience and leveraging digital money
to power business growth and extend distribution reach has never been easier.
Bring customers to tomorrow’s bank with Finacle’s e-Banking, Mobile Banking
and Digital Commerce solutions.
Building tomorrow’s bank The promise of channel banking Mobile banking E-Banking Digital commerce Finacle on Oracle Why Infosys? Contact
TRANSFORM YOUR
CHANNEL BANKING
Build tomorrow’s bank

Building tomorrow’s bank
Managing costs effectively can only take
your business so far. What your bank
really needs is accelerated growth.
Whether it’s entering new markets,
introducing innovative new products, or
initiating transformational process changes,
you need to aggressively unlock the key value
levers of your business. Very powerful waves
of change are creating new opportunities.
The advent of the digital consumer, new
commerce changing the rules of the game,
and the emergence of the Cloud are some
significant examples. We believe that
accelerating innovation will enable banks
like yours to withstand further tremors,
counter market forces, spark growth and
create competitive advantage. However,
one must be careful to invest energies in
meaningful innovation, which contributes
to agility, efficiency, growth, and value
creation for both the organization, customers
and partners. Product, service or process
innovation initiatives must be aligned with
the new reality defined by higher customer
expectations, tighter resources, fiercer
competition and stricter regulation.   
Although banks innovate from time to time,
most do not have a cohesive innovation
strategy in place. That needs to change, and
quickly. While laying down the vision for
innovation, senior management must ensure
ground-level support by way of technology
infrastructure, employee training and a
collaborative partner network. This is the
proven path to accelerate innovation and
build tomorrow’s bank.
Agility, efficiency,
diversity management
and growth can
all be achieved
through accelerating
innovation
The promise of channel banking
Learn more about Finacle’s perspective
on building tomorrow’s bank

Deliveringchannelinnovationsto
customers of tomorrow’s bank
The way people bank has changed
dramatically, especially in the last two
decades. The age of the digital consumer
is here to stay. Today’s generation of bank
customer prefers the internet to a branch
and the mobile to a cash counter, and
banks must keep up to stay in the game.
As bankers we see that the onset of the
digital age and the demands of the digital
consumer have caused banks to reinvent
their customer service strategies and
build assisted and unassisted low cost
channels to empower self-service and
build distribution efficiencies. Amidst this
scenario, financial institutions, telecom
operators and retailers are all competing
hard to acquire, engage and retain these
customers. Hence it is imperative for banks
to be ready for tomorrow!
Internet banking as an incumbent channel
can play a key role in this evolution. It is
possible to leverage internet banking to
cross-promote other banking channels as
well as to incentivize customers to adopt
newer banking channels. Explore how your
internet banking services can become the
next game changer learn more.
There is much more to mobile than just
being a banking channel and banks are
embracing the possibilities of mobile as
an independent channel to drive growth.
See how your mobile banking services
can deliver a rich customer experience
and provide unique incentives to enhance
customer loyalty learn more.
Your ability to provide all your customers -
regardless of location - with access to safe,
secure and intuitive forms of payment is
fast becoming the need of the hour.
Understand how you can exploit cost
effective technology channels in a secure
manner to deliver instant payment and
financial inclusion services and in doing
so, enhance customer convenience and
satisfaction learn more.
Mobile banking

Deliveringchannelinnovationsto
customers of tomorrow’s bank
Mobile banking
The way people bank has changed
dramatically, especially in the last two
decades. The age of the digital consumer
is here to stay. Today’s generation of bank
customer prefers the internet to a branch
and the mobile to a cash counter, and
banks must keep up to stay in the game.
As bankers we see that the onset of the
digital age and the demands of the digital
consumer have caused banks to reinvent
their customer service strategies and
build assisted and unassisted low cost
channels to empower self-service and
build distribution efficiencies. Amidst this
scenario, financial institutions, telecom
operators and retailers are all competing
hard to acquire, engage and retain these
customers. Hence it is imperative for banks
to be ready for tomorrow!
Internet banking as an incumbent channel
can play a key role in this evolution. It is
possible to leverage internet banking to
cross-promote other banking channels as
well as to incentivize customers to adopt
newer banking channels. To explore how
Learn more about Finacle’s perspective
on building tomorrow’s bank
your internet banking services can become
the next game changer learn more.
There is much more to mobile than just
being a banking channel and banks are
embracing the possibilities of mobile as
an independent channel to drive growth.
To see how your mobile banking services
can deliver a rich customer experience
and provide unique incentives to enhance
customer loyalty learn more.
Your ability to provide all your customers -
regardless of location - with access to safe,
secure and intuitive forms of payment is
fast becoming the need of the hour. To
understand how you can exploit cost
effective technology channels in a secure
manner to deliver instant payment and
financial inclusion services and in doing
so, enhance customer convenience and
satisfaction learn more.
Finacle from Infosys has partnered again with the
European Financial Management & Marketing
Association (EFMA) to present the Innovation in
Retail Banking report. In its forth year, this report
will present an industry perspective of trends and
best practice in channel banking innovation from
interviews with over 200 banks internationally.
This report is due in September 2012.
Request it today!

A combination of factors has given banks this
unique opportunity to explore new areas of
growth. Some of these include:
• the growing popularity of mobile
devices, especially smartphones
and tablets
• a new generation of customers who
value user experience, simplicity
and immediacy
• evolution of high speed networks as
well as ability to serve the unbanked
and under banked population
On the flip side, banks continue to face
challenges in the form of device inoperability,
security, cost pressures, transient customer
loyalty and longer lead times for product and
service innovations.
To successfully overcome these barriers,
banks need a comprehensive and secure
mobile banking and payment solution;
one that will not only deliver rich customer
experiences but also provide unique
incentives in order to enhance customer
loyalty, satisfaction and adoption.
Tomorrow’s banking
on the go
Key feature modules and solution
highlights of Finacle mobile banking
Traditional in-branch banking and banking on the Internet have been, and will
continue to be, essential mediums for banks. However, advancements in mobile
technology today have opened up a “ubiquitous channel” which enables anytime
anywhere banking.
Finacle mobile
banking solution
offers an essential
combination
that helps banks
successfully deliver
banking services
to global customer
segments ranging
from the mass
affluent to the
under-banked
E-Banking

Tomorrow’s channel to
serve digital customers
highlights of Finacle e-banking
The new wave of Internet-driven
commerce is putting information
into everyone’s hands, removing
intermediaries and leveling the
playing field.
Spurred by growing acceptance among digital
consumers, this has the potential to create a
cashless economy, triggering nothing short
of a global financial and social revolution.
This new breed of consumer demands
instant fulfillment, personalisation and
the convenience of self- service. They
are active on social media; often
consulting peers and friends before
making purchase decisions.
As a result, banks are compelled to engage
these digital consumers on their own turf.
They must leverage a robust retail e-banking
channel that provides a rich user experience
while also supporting personalisation of
service with derived insights about individual
needs and preferences.
A rich e-banking solution
was never simpler
Finacle digital commerce

Digital money for
tomorrow’s customers
The banking and commerce world today is being driven by paper and plastic-
based transaction instruments such as cash, debit/credit cards and cheques. The
average consumer’s wallet contains at least five different transaction instruments,
often incompatible with the other.
What has also been seen is the growing
penetration of digital channels such as mobile
and the Internet. As a case in point, in 2011,
the global penetration of mobile phones was
73%, while that of bank accounts was only
32%. Given the ubiquity and reach of digital
channels, it seems logical for banking and
commerce providers to use these channels to
reach more customers and grow revenues.
The question is how?
What financial services, telecom and retail
sectors need is a digital solution that brings
together multiple transaction instruments,
accessible anytime anywhere on the
consumer’s preferred channel. The solution
should also enable these providers to reach
consumers in remote areas cost effectively.
Unlock new revenue streams, extend distribution reach
and build customer loyalty through digital money
highlights of Finacle digital commerce
Finacle talks about how digital money powers growth and reach
Finacle on Oracle

Why Infosys?
Finacle on Oracle
Finacle on Oracle (Software and Hardware) runs some of the largest retail
banking sites bringing operational efficiencies and agility to banks. The
benchmark results of the Finacle and Oracle joint solution have consistently
proven to exceed high demands on scalability, performance and availability
for it’s customers.
As an Oracle Platinum Partner, Finacle has
developed a close collaborative relationship
with Oracle technology to bring together
the benefits of a certified and integrated
solution for identified versions.
Our customers benefit further from a single
window support for Oracle and Finacle
on application specific licenses providing
a fast and efficient issue resolution with
improved TCO.

Contact
Become tomorrow-ready
with Infosys
Finacle from Infosys partners with
banks to power-up their
innovation agenda, enabling them
to differentiate their products and
service, enhance their customer
experience and achieve greater
operational efficiency.
• Finacle addresses the core banking,
wealth management, CRM, Islamic
banking and treasury requirements
of retail, corporate and universal
banks worldwide
• We empower banks with multiple sales,
service and marketing channels
including e-banking, mobile banking
and call centers
• A consistent investment of over 25% of
our revenues into R&D ensures we
maintain our industry leading
product pedigree
• Positioned as Leader in the“Gartner
Magic Quadrant for International Retail
Core Banking 2011”
• Joint first place inThe Banker Innovation
in BankingTechnology Awards 2012
• Finacle is the chosen solution in over
154 banks across 75 countries
Bring customers to
tomorrow’s bank with Finacle
from Infosys
Download the Finacle corporate
overview presentation
View Finacle’s client testimonials

Contact
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