ACCELERATE INNOVATION.Attract digital consumers.

Finacle Consumer e-Banking Solution

Tomorrow’s channel to serve digital consumers

The new wave of Internet-driven commerce is putting information into everyone’s

hands, thereby 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 class of consumers demands instant fulfillment, personalization 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 personalization of service with derived insights about

individual needs and preferences.

Finacle consumer e-banking

Finacle consumer e-banking, with its

unified real-time view into customer

relationships, enables banks to deliver a

highly personalized, yet consistent user

experience. Rich and varied features

for secure account management and

aggregation, fund transfer, payment

and financial management ensure the

bank’s Internet channel is fully equipped

for comprehensive and reliable service

delivery.

Flexible in architecture, the solution is built

on open industry-standard platforms -

J2EE and .NET, and offers both portalized

and non-portalized flavors. It easily

integrates with multiple host systems and

can be deployed for access from tablets

as well. Finacle comes with a palette of

surround solutions for analytics, alerts and

integration with social media, enabling

the bank to innovate with its Internet

banking channel to drive down costs

while enhancing customer loyalty and

profitability.

A rich e-banking experience was never simpler

Build, deploy, enhance, scale

The solution’s highly scalable Service-

Oriented Architecture (SOA) enables banks

to create multiple levels of configurability

and feature extensibility for their Internet

channel. This means improved productivity,

easy maintenance, quick upgrades, and

the ability to roll out into new geographies

within a minimal timeframe.

Enrich user experience

Finacle consumer e-banking solution

brings to the bank’s Internet channel all

the advantages of a rich, yet intuitive,

user interface premised on learning from

global usability research and consumer

experience studies. The user interface

supports extensive personalization and

presents a comprehensive one-stop-portal

to cater to consumer online banking needs.

Integrate with flexibility

Finacle consumer e-banking solution has

a flexible Host Integration Framework

(HIF) layer that enables the solution to

seamlessly integrate with multiple back-

end systems both online and offline using

standard messaging interfaces.

Ensure secure 24x7 service

Finacle consumer e-banking solution

addresses all aspects of e-banking

security at both the application and the

transaction layers. Features such as SSL and

cryptography, multi-factor and adaptive

authentication, digital certificates and

signatures, along with regular security

audits, help banks hurdle the ‘safe-banking

challenge’.

Functional architecture

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Core

Multi-Channel Delivery

User Experience Enablers

Alliances

Security

Imaging

Reporting

Charging

Remote Deposits

Finacle Surround Solutions

Finanz Tools

Alerts

Analyz

Advizor

PersonalizedDashboard

Widgets Social NetworkIntegrations

Interactivity

Internet Mobile Tablets Kiosks

Multiple Host Systems

Analytics

Usage Trend Analytics | Customer Analytics | Smart Marketing | Advisory Services

Host Integration layer

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Product Modeling

Financial Txn Designer

Mails Manager

Request Designer

Standard Downloads

Reports Designer

Audits

Secure Mails

Single Sign On

Request Mgmt

Approvals

Remote Assist

Administration

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Key modules

Unified account views and transaction information

Finacle consumer e-banking solution

enables your banking customers to have

a unified and real-time view into the

accounts and transactions they have

with your and other banks. Accounts

supported include savings and checking

accounts, loan accounts, deposit

accounts, credit cards, mutual funds,

wealth accounts, and other account

types your bank may choose to configure.

Supported services include:

• Account origination for deposits, loans,

and savings

• Statement downloads

• Quick transaction search and

transaction history view

• Check book request

• Stop check payments

• Joint account management

• Credit card inquiry, reward points, and

related service requests

• Mutual funds inquiry, purchase, sale,

systematic investment, withdrawal and

related service requests

Personal financial management

Finacle consumer e-banking solution offers

powerful GUI-based tools for personal

financial management, empowering your

customers to enjoy better control over

their finances. These enable:

• Transaction categorization and tagging

to group related transactions

• Budgeting, income and spend tracking

and analysis

• Goal management to set up financial

goals and review progress

• Account aggregation for a single

view of accounts with multiple banks

(additional feature that will be enabled

on request)

• Access to comprehensive reports on

spend patterns, net worth, assets and

liabilities

• Access to product calculators,

comparators and simulators

Personalization

With Finacle consumer e-banking solution, you can provide your customers the flexibility to customize their personal portal. The personalization features supported include:

• Configurable favorites for activities,

accounts, counterparties and search

criteria

• Personalized dashboards to view

complete relationships, alerts and

favorites

• Customized transaction limits,

nicknames, menu labels, date formats,

amount formats, languages, themes,

colors and fonts

• Configurable widgets, social

networking forums, and blog links

• Customized reporting

Interactive services

Finacle consumer e-banking solution

enables your bank to personalize

engagement with customers as you would

through real-world channels like the

branch. Using interactive services such

as secure email, text, audio chat, video

chat, co-browsing and remote assistance,

customers can interact with your bank’s

representatives and enjoy hassle-free

banking.

Payable and receivable management

Finacle consumer e-banking solution

supports configuration of both electronic

and instrument-based payments and

collections. In the electronic mode, the

solution supports setup for multiple

payment/collection networks such as ACH,

SWIFT, NEFT, RTGS and SEPA in addition to

other domestic and international networks.

Payment types supported include self

and third party fund transfers, domestic

and international payments/collections,

tax payments, and debit transfers. In the

instrument mode, checks and demand

drafts are supported.

Electronic bill payment and presentment

Finacle consumer e-banking solution

brings your customers the convenience

of single-click-bill-payment through the

bill payment feature. This enables you to

register billers, define payment types such

as auto, recurring and scheduled payments

in addition to inquiring on transactions.

Peer to peer payment

Finacle consumer e-banking solution

supports Peer to Peer Payments (P2P) on

the Internet by integrating features for

self-registration, personalization, payment

initiation, payment, and collection

authorization.

Risk and access controls

The solution’s risk management framework

helps limit your bank’s customer exposure

to risks and frauds. Risk management

features include the ability to configure

transaction limits, account access and

transaction access authorization for bank

users.

Administration

Finacle consumer e-banking solution

brings you the convenience of

comprehensive bank administration

support. Robust features enable you to

easily manage customer information

and perform activities such as system

administration, customer account setup,

activity management, auditing and

reporting.

Infrastructure

With Finacle consumer e-banking solution,

you can configure various functionalities

such as secure mail, service requests,

imaging and even build a multilingual

infrastructure.

Content management

Finacle consumer e-banking solution

integrates with any CMIS-compliant

content management system to deliver

context-sensitive marketing campaigns,

context-sensitive help, and offer advanced

search capabilities through the solution.

Surround solutions

Finacle consumer e-banking solution

integrates with multiple offerings from

Finacle universal banking solution to

deliver a rich, unified and integrated

cross-channel experience.

Finacle Analyz

Our analytics solution delivers:

• Intelligent insights through statistics

driven business reports

• Web trend and transaction usage

analysis reports

• Social analytics to right-sell context

oriented product offerings to

customers

Infosys SocialEdge

A social media solution that allows

customers to participate in and view surveys

and polls, discussion forums, wikis, blogs, RSS

feeds, and reviews & ratings for services

offered by the bank. Integrated with

mobile banking, the solution:

• Enables alert notifications and allows

customers to recommend a product of

choice on social networking sites

• Supports creation of social networking

apps, like Facebook apps for checking

balance access to social media and

external mailboxes.

Finacle Advizor

It empowers banks to deliver products and services through a fully assisted self-service channel. Our service provides:

• The comfort of human intervention

through ‘triple play’ entailing video,

audio and data communication along

with co-browsing

• Real-time access to relationships with

the bank, such as account inquiries,

fund transfers, remittances, and credit

card and mutual fund payments

• Ability to make payments to individuals

and institutions, through channels like

the Internet, kiosk and ATM

Finacle Alerts

A notifications engine that enables

periodic critical alerts including:

• Multi-channel alerts through e-mails,

SMS, voice, fax and the Internet,

aligned to preferred delivery channel/

time and triggered from multiple hosts

Finacle Finanz Tools

Empowers banks’ customers with simple

calculators and financial simulator tools for

comprehensive need analysis to select best

fit products. It entails:

• Engaging and interactive visual

presentations of products and product

comparisons

• Simulation of outcomes of personalized

scenarios and easy to understand

rendering of complex concepts

Finacle mobile banking

A comprehensive solution that enables:

• Access to banking services on

handsets, by leveraging a single

platform

• Mobile commerce, payments, merchant

and customer initiated payments

• Multi-channel and cross channel

capabilities to schedule and cancel

transactions over the Internet or check

transaction status through mobile

devices

Finacle Mobile BankingMobile banking and

payments services

Finacle AdvizorInteractive assistance

services

Finacle Finanz ToolsFinancial calculators,

product selectors and comparators

Finacle AlertsCon�gurable

multi-channel alerts

Infosys SocialEdgeSocial engagement and

commerce platform

Finacle AnalyzChannel and

customer analytics

Finacle e-banking

Partners and alliances

Finacle consumer e-banking solution

integrates with partner and alliance

solutions to offer complementary

services that enhance the overall

consumer online banking experience.

Services offered through partner and

alliance solutions include:

• Security

• Imaging

• Reporting

• Charge management

• Remote deposits

• Account aggregation

• Real-time customer experience

management

• Content management

Business benefits

Lower costs, improve efficiency and drive productivity

With Finacle e-banking solution, the

Internet becomes a banking channel,

as efficient or perhaps more so, than

branch banking. It enables you to make

the Internet your mainstream channel for

banking, including distributing products

and services, thus lowering your overall

costs. Finacle delivers improved self-

service tools for financial management,

empowering your customers and enabling

efficient and productive utilization of

bank resources. Cross-sells driven by

analytics can improve the efficiency of

online interactions, improving acquisitions

and sales. Single, consistent views of

the customer relationship across the

organization driven by multi-channel

integration improve organizational

productivity. Our ability to seamlessly

integrate with different back-end hosts

ensures that your bank will invest

in reduced integration, testing and

deployment effort.

Drive innovation, grow revenues

With Finacle e-banking solution, your bank

can use the Internet banking channel as

a mainstream channel, expand global

footprint, and acquire more customers.

Persona driven analytics and customer

insights can grow banking from cross-

sells as well as ensure contextual, right-

sell offerings to customers that will

build loyalty. You can stay ahead of the

curve and be perceived as an innovation

frontrunner with the ability to build social

commerce over your banking platform,

where customers can transact with

retailers.

Enrich user experience, build relationships and foster loyalty

Delivering a rich and personalized

user experience, complemented

by comprehensive features, Finacle

consumer e-banking solution significantly

enhances banks’ ability to engage and

retain customers. Integration with social

media helps banks deepen engagement

with customers and further strengthen

relationships. What’s more, the solution

delights customers with the convenience

of best in class financial management tools

as well.

Reduce time to market

Built on open industry standard platforms,

the solution can help your bank extend

its product portfolio globally with built-

in configurability for local markets. With

Finacle, you’ll roll out products and services

targeted for local customers sooner and

build global footprint within shorter

timeframes.

Finacle helps build tomorrow’s bank

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

institutionalizing customer intelligence garnered online has never been easier.

Bring customers to tomorrow’s bank with Finacle consumer e-banking.

About Infosys FinacleInfosys Finacle partners with banks to transform process, product and customer experience, arming them with ‘accelerated innovation’ that is key to building tomorrow’s bank.

For more information, contact finacleweb@infosys.com www.infosys.com/finacle

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