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ProClassic/EnterpriseRetail Banking Solution SuiteThe modular software suite for your front office
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| Charting the right course: thechanging face of customer
acquisition
Retail banks are under pressure: Margins
continue to dwindle, financial products are
becoming more and more comparable and
customer loyalty is declining. Today’s con-
sumers know exactly which products or
services they want and are constantly on
the lookout for the ideal offer. All the more
reason for financial institutions to identify
the current requirements of their cus-
tomers and implement them in end-to-end
sales and service concepts.
Retail banks must improve the emotional
quality of their customer address by pro-
viding offers and services that are tailored
to each customer’s individual situation. In
combination with process optimization and
cost efficiency, this provides financial
institutions with a decisive competitive
advantage.
| Added value from a process perspective
❚ Improved customer service
❚ Increased earnings through optimized
sales and service processes
❚ Individual control of business processes
❚ Reusability of processes
❚ Rapid integration
| Set yourself apart through yoursales and service strategies
The bottom line is that retail banks can
only remain competitive in a liberalized
market if they pursue innovative sales and
service strategies. Most importantly, they
need groundbreaking process models and
state-of-the-art IT that will enable them to
implement these strategies.
Today’s business demands a
focus on process efficiency
and sales optimization,
increasingly forcing retail banks
to reevaluate their business
processes and IT.
PC/E Retail Banking SolutionSuite enables you to simplify
complex IT landscapes across
all delivery channels, strengthen
sales and services, and optimize
processes.
A software suite
that keeps pace with the future
Y O U R C H A L L E N G E S
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| Discover the benefits of PC/E Suite:
improved margin potential and
reduced costs
Wincor Nixdorf has developed a software
suite especially for retail banks that will
enable you to react flexibly to customer
requirements and integrate innovative
products rapidly. With different modules
that can be combined to suit your needs,
the ProClassic/Enterprise Retail Banking
Solution Suite is scalable and enables you
to adjust to changed conditions at any
time. The payoff? Economic efficiency and
optimized banking processes. Our PC/E Suite
supports your financial institution in trans-
forming current sales and service process-
es as well as the associated IT architec-
ture into an expandable and future-proof
retail banking business.
Thanks to its modular and service-oriented
multichannel approach, you will achieve
two strategic goals: increased earnings
through innovative sales strategies and
reduced costs through standardized
processes. This enables you to strike an
ideal balance between rigorous customer
orientation and optimized business
processes!
Retail banking – transform your business to meet the future!
Using your existing structures as a foundation, PC/E Suite will help you transform your current accumulation of sales and service workflows into
lean, modern business processes.
O U R V A L U E P R O P O S I T I O N
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The earnings potential in the
front office of a retail bank is
enormous: This is where the staff
meets, advises, and sells to its
customers.
Business processes should be
available across delivery channelsand with a clear, customer-
centered orientation. With its
end-to-end support for sales and
service processes in the front
office, PC/E Retail BankingSolution Suite enables you to
ensure a focus on your customers.
The front office:
The heart of the retail bank
| New concepts and smart processes
for financial services providers
Faced with increasing cost pressure, finan-
cial institutions risk losing sight of what is
really important in retail banking: sales
and service. Ultimately, the underlying
processes are the decisive factor for suc-
cess in the retail banking business. They
must be optimized end-to-end and
designed with cost efficiency in mind.
The blueprint
illustrates a holistic and process-oriented view of the retail banking world
as well as the focus on the front office.
T H E B L U E P R I N T
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services must be offered via the self-
service, front office, POS, Internet, call
center and mobile delivery channels,
ideally using an integrated multichannel
platform.
| Retail banks want processes that
are customer-oriented
If used correctly, IT can make a significant
contribution toward automating and opti-
mizing business processes. We designed
our modular PC/E Suite with this objective
in mind. Its different process-oriented
solutions help your retail bank meet the
twin challenges of dynamic market
changes and the wishes of consumers.
Since private customers are once again
taking center stage, it is important to pro-
vide a uniform service experience across
all channels that is also transparent for
new customers.
| In a nutshell: PC/E Retail Banking
Solution Suite...
... is Wincor Nixdorf’s modular software
package for the optimization of sales and
service processes in the front office. It
enables retail banks in particular to design
high-performance systems and use them
flexibly – a critical advantage for rapid
time-to-market.
With PC/E Suite, you strengthen your own
sales force in all delivery channels and
ensure that future added-value processes
are more efficient.
| Added value from an IT perspective:
❚ Reusability❚ Rapid integration
❚ Expandability
| Der Mehrwert aus Business-Sicht:
❚ Increased earnings
❚ Reduced costs
❚ Investment protection and security
for the future❚ "Emotionalization" of retail banking
T H E P O S I T I O N I N G
| The blueprint offers an overview
The blueprint illustrates our holistic and
process-oriented view of the retail banking
world. For this purpose, it is divided into
three main processes: "Sales & Marketing"
starts with the acquisition of a customer
and accompanies you all the way to suc-
cessful completion of a sale in the front
office. The “Service Processes" that follow
comprise cash and non-cash services such
as deposits, withdrawals, funds transfers
and standing orders. And the “Support
Processes” in the back office cover tasks
from accounting and posting to controlling
and reporting. Banking products and
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| Software Suite that focuses on
delivery channels and processes
Thanks to PC/E Suite’s modular structure,
everything can be tailored to your individ-
ual bank strategy in a gentle transforma-
tion process. You can start with one of the
software products and expand your
solution in steps to include other channels
and processes. For example, you could
(re-)discover the mobile delivery channel
for your retail business and combine it
with conventional channels.
The software components mesh perfectly
with each other. You can choose from four
categories: Channel Delivery comprises
solutions for all kinds of delivery channels,
Security offers a holistic security strategy
for self-service systems, branches and
networks, Management & Optimization
improves retail banking processes and
reduces operating costs, and Banking
Business Enabling includes cross-channel
solutions for sales and marketing services
as well as transaction and payment
services for all delivery channels.
| From analysis to management
Our Professional Services are ready to sup-
port you through every phase of your IT
project to ensure that you benefit immedi-
ately from the features and functions of our
software. We provide end-to-end support
from analysis and IT consulting to imple-
mentation and optimal application man-
agement.
| Added value from an architectural
perspective
❚ Future security and investment protection
thanks to a net-centric architecture
❚ Expandable, scalable IT enables a
gentle transformation
❚ Reduced costs due to reuse of
components
❚ Rapid integration
❚ Modular and flexible
❚ Multichannel capability
The open, modular and
service-oriented multichannel
approach enables you to
create attractive sales and
service processes for your
customers. But your customers
won't be the only ones to be
delighted – the multichannelapproach is also extremely
profitable for your retail bank.
PC/E Suite
as an innovation model for retail banking
P C / E S U I T E ’ S P O R T F O L I O
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| Combinable and versatile through
innovative services
The suite's net-centric approach allows
rapid implementation of new functions and
services as well as centralized manage-
ment of the IT infrastructure. PC/E Suite's
IT architecture is ...
❚ open
❚ modular
❚ net-centric
❚ service-oriented
❚ multichannel-capable
Our solutions can be used across all deliv-
ery channels along your retail bank’s entire
process chain.
You select the business services that
support your added-value strategy. As you
can see from the 3D representation above,
the functions can be reused across several
delivery channels in line with your bank’s
portfolio. The services and delivery chan-
nels you use converge efficiently on the
PC/E Suite platform. This enables you to
convey for example the same advertising
message in the Internet, at the ATM or via
mobile phone – with a consistent look and
feel!
On the following pages, you will discover
how these technological features influ-
ence the four categories in our solution.
The IT architecture enables
the provision of business processes across all delivery channels thanks to
reusable business services.
P C / E S U I T E ’ S A R C H I T E C T U R E
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A banking portfolio is only
successful with consumers if it is
attractive and has a logical
structure.
Your customers must always have
the feeling that they are with one
and the same bank.
Consistent processes across all
channels reassure customers and
make them feel welcome. As an
added bonus, they make your bank
more appealing to new customers.What this requires is the right
foundation: the multivendor,
multichannel platform of our
PC/E Suite!
| Uniform service experience with a
consistent look and feel
Today’s bank customers use financial
services in a variety of different ways,
alternating between the self-service zone,
their home PCs and the teller. And they
expect consistently good quality and a uni-
form appearance from every interface. For
a successful dialog with the customer, all
your delivery channels must be interlinked
to ensure a homogeneous look and feel.
But how can you ensure that functions are
implemented in a process-oriented way
across all your delivery channels?
Committed to the customer:
Banks that tailor their sales activities precisely to their customers’ wishes are able
to optimize customer relationships
and increase revenues.
Channel Delivery:
A single platform for all channels
T H E C A T E G O R Y
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| Customer contacts bring higher
earnings when efficiently networked
What banks need is a consistent multi-
channel strategy. Wincor Nixdorf has soft-
ware solutions for your individual sales
and service processes that will enable you
to address your customers consistently, so
that they can orient themselves in all your
applications – such as when using input
screens for transactions – and use them
easily and comfortably. By providing a
uniform look and feel across all delivery
channels and taking each channel’s speci-
fic requirements into consideration, you
will improve your customer service and
thus increase customer loyalty and rev-
enues. PC/E Suite provides you with the
software architecture you need to achieve
this objective. With our intelligent solu-
tions, sales and service processes become
more target-oriented and efficient. At the
same time, the integrated multichannel
platform enables transparency in customer
banking transactions.
| The right solution for every
delivery channel
You can put together an individual software
package from three following groups:
❚ Branch
We offer a comprehensive front-office
solution for your specific branch IT require-
ments that ensures customer-friendly and
efficient processes. What’s more, PC/E
Suite also provides special additional
applications: an ATS solution for optimized
cash processes and a peripherals solution
for control and administration in the front-
office environment.
❚ Self-service
Self-service terminals must be managed
flexibly in a single IT environment. Since
today’s self-service networks are complex
and heterogeneous, Wincor Nixdorf offers
two innovative applications: a flexible and
vendor-independent fat client solution and
an equally adaptable and server-based
smart client solution.
❚ MobileRetail banks are increasingly supplement-
ing their traditional delivery channels with
additional customer contact points. We
offer a state-of-the-art solution for inte-
grating mobile banking in your multichan-
nel strategy that enables you to provide
your existing Internet banking services
over every type of mobile device.
| Your benefits of Channel Delivery
❚Uniform customer address across allchannels
❚ Higher service quality
❚ Support and promotion of your
multichannel strategy
❚ Harmonious total solution with
cross-channel processes
❚ Reduced costs thanks to
reusable components andmaximization of synergies
❚ Shorter time-to-market
THE SOFTWARE PRODUCTS
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| IT security in retail banks –
the tightrope between demand and
reality
Retail banking processes must be support-
ed by powerful IT systems. This fact has
resulted in the development, over time, of
extremely complex IT networks. Ensuring
their availability is a formidable challenge
for financial institutions, but it must be met
to ensure continuously secure business
processes.
This is the reason why retail banks have
broadened their field of vision: Beyond the
security of the technology itself, they are
also concerned with the security of busi-
ness processes and confidential data.
Individual protective measures are increas-
ingly yielding to holistic IT security
management. Every process-oriented
measure impacts systems, applications
and communication as a whole.
| Security benefits
❚ Image protection through secure
service processes
❚ Increased availability thanks to
proactive security mechanisms
❚ Compliance with international
legislation
❚ Time and cost savings through
automated terminal master key
management
| Secure transactions make
customers feel at ease
Protected IT structures, business processes
and transactions are the basis for success-
ful sales processes, because data loss
through software manipulation is expen-
sive and damaging to the bank’s image.
That is why it is so important to balance
efficient IT with the required security
across all your delivery channels.
End-to-end IT security is an
absolute must for retail banks.
Poor service availability and
data loss can have serioustechnical, financial and legal
consequences – and entail a
loss of image and customer
confidence as well.
This is why our PC/E Retail
Banking Solution Suite includes
security solutions to ensure the
security of your business
processes.
Security:
Confidence as the trademark of retail banking
T H E C A T E G O R Y
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| Value protection, profit generation
To enable you to protect sensitive business
processes and data reliably while simulta-
neously automating processes, our PC/E
Retail Banking Solution Suite is based on a
modular security concept.
In addition to process-oriented security
solutions, we also offer our holistic
security solution concept ProTect for active
risk management that includes risk analy-
sis, minimization and control.
❚ Channel Security
With our tamper-proof software, you can
protect your self-service systems against
network and local attacks. We provide
proactive protection against potential sys-
tem failures and data loss – even in the
case of brand-new and as yet undetectedviruses, worms or Trojans. Our solution
also prevents modifications and manipula-
tions using local storage media. In addi-
tion, we offer software products for the
centralized automation of terminal master
key management to ensure secure encod-
ed communication and authentication
between terminals and the host system.
Comprehensive security protection
is what you get with our PC/E Suite. We support
your risk management by providing optimal burglary and access
protection as well as legally compliant key management.
THE SOFTWARE PRODUCTS
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| Transparent operation
The complexity of today's business
processes often means a loss in the trans-
parency you need to analyze and optimize
service and sales processes. Yet the nec-
essary process efficiency can only be
attained through a powerful self-service
network that guarantees highly available
services. This is particularly important for
customer satisfaction, which can quickly
deteriorate if an ATM runs out of cash or is
out of service, for example. That makes it
critical to deploy solutions that analyze
and monitor your networks to ensure
efficient IT management and optimized
end-to-end processes.
Transparency and efficiency –
With our software solutions,
higher availability and lower costs
are both possible!
Retail banks must concentrate on
their core competencies without
losing sight of costs.
Our retail banking solutions
ensure high system availability
and transparent operation.
And our software optimizes cashhandling processes to make your
cash management more efficient.
Management & Optimization:
Proactive control of business processes
T H E C A T E G O R Y
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| Availability adds value
Continuous and centralized monitoring
allows you to keep an eye on your self-
service network’s performance and effi-
ciency. A central overview and extensive
data enable faults to be eliminated quickly
and used proactively as a basis foroptimization. This is important since pro-
ductivity and customer satisfaction suffer
greatly from disrupted business processes.
IT management is a very complex task,
especially where large and widespread
self-service and branch networks are
concerned. That much is obvious if you
consider the effort involved in checking the
cash holdings of your cash points or
analyzing their frequency of use. Processes
must be automated and the amount of
manual work reduced in order to ensure
cost-effective control of the cash cycle in
branches and off-premise locations,including cash-in-transit services.
With Wincor Nixdorf’s solutions, your
retail bank will be able to manage its sys-
tems efficiently and, at the same time,
optimize business processes.
| Process optimization through
end-to-end process management
Efficient, effective business processes
increase your bank’s service quality. These
software products ensure highly available,
customer-friendly and cost-optimized
processes:
❚ Management
Our solutions administer, monitor and con-
trol even the most complex self-service
networks. Remote monitoring enables you
to access transparent information around
the clock. Potential system failures can
therefore be detected proactively. As adata hub for retail banking management,
these software products play an important
role.
❚ Optimization
If you want to optimize your cash holdings
in addition to controlling them, then you
have come to the right place: Our solutionstrikes an ideal balance between cash
services and cash costs. Detailed analyses
and reliable forecasts enable you to
optimize the replenishment volumes and
intervals of your cash points across
branches, and manage your cash-in-transit
operators efficiently.
| Management & Optimization benefits
❚ Maximum availability of systems
and cash holdings
❚ Cost and time savings thanks to
automated, efficient processes
❚ Optimized service quality
❚ Optimized amount of cash in circulation
❚ High degree of transparency thanks to
continuous monitoring and
analyses/forecasts
❚ Data hub for further solutions such as
Incident Management, etc.
THE SOFTWARE PRODUCTS
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| Commitment to bank customers is
on the rise
Retail banking is characterized by interna-
tional competition. To meet today’s chal-
lenges, banks need to reorient their sales
strategies, focusing above all on improving
customer proximity.
Only retail banks with innovative multi-
channel concepts will capture the interest
of their customers and increase earnings
with attractive offers. The key is to devel-
op emotional consulting services and make
the right offers in the right way at the right
time in line with the customer's individual
situation. This is precisely what PC/E
Suite’s solutions help you achieve. They
homogenize your process flows across all
channels and, at the same time, make
them more efficient.
| Benefits of Banking Business Enabling
❚ Added value and higher earnings with new
business ideas and “emotional banking”
❚ Improved customer contacts through
customer typing
❚ Image boost thanks to innovative
cross-channel services
❚ Flexible transaction services in the
original core business
❚ Automation of standard services that
frees up staff for sales
Innovative business models
depend on innovative sales
concepts that require the
availability of all processes
across all delivery channels.
With solutions from our PC/E
Retail Banking Solution Suite,
your sales and marketing
activities gain new momentum
for profitable cross-selling
processes and higher revenues
in your retail bank.
Banking Business Enabling:
a new customer proximity in sales and service
| Flexible and efficient handling of
payment transactions
In this day and age, competitiveness also
depends on cost-efficient, highly available
transaction handling. If core functions are
designed efficiently and synergy potential
is exploited to the full extent, attractive
margins and reduced costs are possible
despite the considerable requirements of
excellent payment services.
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| Contact is capital
Our solutions help you enhance customer
services relating to transaction business
and optimize your sales activities.
❚ Sales & Marketing Services
Here, we offer you a solution that usesattractive add-on offers to help generate
new sales potential via the self-service
and Internet channels. An additional soft-
ware solution is available to address
customers directly and create holistic
marketing campaigns across all delivery
channels.
❚ Transaction & Payment Services
With our solutions for assisted self-service
or cardless cash withdrawals via mobile
devices, cash and account-related transac-
tions can be implemented efficiently and
with a high degree of customer-friendli-
ness. We also offer a high performanceand secure solution for the authorization,
switching and routing of payment transac-
tions.
Marketing as a service
With its Banking Business Enabling module, PC/E Suite looks
into the question of what customers really want. Because if there's
one thing that characterizes today’s successful banks, it is this:
they address their customers in a target-oriented and emotional way
that reflects their individual situations. With our solutions, you will
be able to optimize your transaction-related customer services
cost-efficiently and across all delivery channels.
THE SOFTWARE PRODUCTS
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Published by
Wincor Nixdorf International GmbH
Heinz-Nixdorf-Ring 1
D-33106 Paderborn
Phone: +49 (0)5251 693–3301
Fax: +49 (0)5251 693–5918
www.wincor-nixdorf.com
© Wincor Nixdorf International GmbH
All product names are registered trademarks of Wincor
Nixdorf International GmbH. All rights, including rights
created by patent grant or registration of a utility model, are
reserved. Delivery subject to availability. Subject to change
for technical reasons.
Order no.: R10801-J-Z740-2
Printed in Germany, March 2011 Cover picture: Atomium, Brussels