Comarch Competence Map for banking industry

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
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3. Comarch competence map for Banking
We deliver
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4. Comarch competence map for Banking
We deliver
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5. Comarch competence map for Banking
We deliver
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6. Comarch competence map for Banking
We deliver
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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
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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
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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
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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
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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
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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
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15. Thank you
finance@comarch.com
Copyright Comarch 2010