All the benefits of Mobile Banking,

optimized for your customers’ needs

mybank

With the rapid proliferation of mobile phones today, it may come as no surprise that over 70% of the world’s population owns a mobile connection, whereas only a little over 30% have bank accounts. The mobile channel presents an exciting new means for banks to service customers, extend financial inclusion and bank the unbanked.

Copyright © 2014 Cognizant Technology Solutions | Mobility1

Mobile banking is increasingly being seen as a basic and essential service rather than a luxury or convenience, and influences a customer’s choice of bank. Banks offering mobile banking apps stand to enjoy a range of benefits :

LEVERAGE NEW BUSINESS MODELS & MARKETS- Reach the unbanked & under banked markets

- Increase share of digital payments

- Empower partners to provide wallet services by supplying the bank

end infrastructure, Use analytics to design more relevant products

INCREASE PROFITABILITY- Reduce Operating Costs

- Cross sell products using mobile channel

- Mobile Marketing / Promotions

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INCREASE CUSTOMER LOYALTY- Provide Ultra convenient customer service

- Personalized services, alerts & reminders

- A Context sensitive proposition to customers

Copyright © 2014 Cognizant Technology Solutions | Mobility

3 Copyright © 2014 Cognizant Technology Solutions | Mobility

Cognizant’s out-of-the-box mobile banking solution, is an easy to customize retail banking template developed on the IBM Worklight platform. It allows a client bank to pick and choose from an increasing array of features and functionalities to offer an optimized mobile banking solution to its customers, tailored to suit their specific needs.

Copyright © 2014 Cognizant Technology Solutions | MobilityCopyright © 2014 Cognizant Technology Solutions | Mobility

TRANSACTIONAL FEATURES

• Intra & Inter-bank fund transfers

• P2P Payments & Remittances

• Manage Beneficiaries

• Bill Payment

• Card Management

• Remote Deposit CaptureUSABILITY• Employing Empathic Design

philosophies

• myBank’s intuitive user interface and

features such as multi-language

support and user-customizable themes

ensure that bank customers are

comfortable and content with the

mobile banking experience.

SECURITY• We understand the paramount

importance of security in a banking app

and have thus ensured compliance with

the payment card industry’s PCI DSS,

and OWASP security standards.

• Other security features include

Multi-factor authentication including

biometrics, Device layer, App layer and

Transport layer protection.

TRANSFORMATIONAL FEATURES

• Personal Financial

• Management Tools

• Social Media Integration

& Gamification

• Context Based Offers

• Rewards & Loyalty Programs

• Mobile Commerce

INFORMATIONAL FEATURES• Accounts Listing

• Balance Enquiry

• Transaction Histories & Statements

• Customer Support & Service

Requests

• Alerts

• Shareable Notifications & Marketing

Messages

• ATM & Branch Locator

• News & Social Media Feeds

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About Cognizant

Cognizant (NASDAQ: CTSH) is a leading provider of information technology, consulting, and business process outsourcing services, dedicated to helping the world’s leading companies build stronger businesses. Headquartered in Teaneck, New Jersey (U.S.), Cognizant combines a passion for client satisfaction, technology innovation, deep industry and business process expertise, and a global, collaborative workforce that embodies the future of work. With over 50 delivery centers worldwide and approximately 162,700 employees as of March 31, 2013, Cognizant is a member of the NASDAQ-100, the S&P 500, the Forbes Global 2000, and the Fortune 500 and is ranked among the top performing and fastest growing companies in the world. Visit us online at www.cognizant.comTwitter: Cognizant.

World Headquarters

500 Frank W. Burr Blvd.Teaneck, NJ 07666 USAPhone: +1 201 801 0233Fax: +1 201 801 0243Toll Free: +1 888 937 3277Email: inquiry@cognizant.com

© Copyright 2013, Cognizant. All rights reserved. No part of this document may be reproduced, stored in a retrieval system, transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the express written permission from Cognizant. The information contained herein is subject to change without notice. All other trademarks mentioned herein are the property of their respective owners.

European Headquarters

1 Kingdom StreetPaddington CentralLondon W2 6BDPhone: +44 207 297 7600Fax: +44 207 121 0102Email: infouk@cognizant.com