Slide 1 Intellectual property of Vayana

Vayana – Next Generation Banking using Social Connect

Slide 2 Intellectual property of Vayana

Trends Vs. Product Road Map

Corporate Banking Retail Banking Technology

Embeddable services

Cash forecasting, Embeddable services

Next generation Technology Architecture

Commercial banking suite, Templates, Richer Trade and Treasury Functionality

Social media integration, wealth management

Rich Integration Architecture with Data pipelining, On Demand Platform

Data Aggregation service, Cash Forecasting, Mobile Banking

Data aggregation service, Mobile Banking

UI/XML driven integration architecture

Corporate Banking

E-banking will be a set of services available for Integration with other applications

Customer network creation with SME rich services will be key factor in stickiness

STP and Time to Market efficiencies will be key in managing ROI

Retail Banking

Pervasive banking services in conjunction with Social Media

Mobile banking will be the key channel

Unified Wealth statement across institutions, rural banking specific solutions

Technology Trends

Banks will purchase Services rather than products

Private and Public clouds will be preferred deployment strategy

ROI focus will drive hardware and deployment efficiencies

High level Roadmap Trends

2009

2010

2011

- 20

13

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Slide 3

Mobile

Channel Presentation Layer

Online Banking PortalKiosk

Personalization | Multi-lingual | Multi-currency | Customer Branding

•Transactions•Bill pay•Request•Insurance

•Balances•Investments•Net worth•Stocks•Mail Box•May I Help You

•What will it cost•Offers for you•Can you advice•Find what we pay•Compare Us

•Download Statements•Onetime setup•Preferences

Transactional Widgets Information & Interaction widgets

General Widgets Other Features

Online Banking Enterprise ManagerAdministration | Business Rules | Message Center | Utility Provider | Reports | RMS | Dynamic Templates** | Dynamic Reports **

Interface Component

Interface to Core using Middleware / SOA / Direct Interface

Accounts & Payments System

Loan & Deposit System

Credit Card SystemSecurity & 2 – Factor

Next Generation Banking Architecture

Social Network

Slide 4

Transaction Widgets

Transaction

Bill Pay

Insurance

Requests

Information & Interaction Widgets

Balances

Investments

Net-worth

Stocks

Mail Box

My Direct Help

General Widgets

What will it cost

Direct Offers

Direct Advice

Direct Rates

Compare us

Talk about us

Supported in Online Banking Portal & Mobile Web

Secured Access for registered Customers

Support using Chat, Message center

Integration with social media

Personal Applications for Online banking

Slide 5

Transactions Information & Interaction General

These are secured Widgets and require to login to Online Banking and available only in Online Banking Portal. Customers can personalize these widgets in their landing page.

Transaction

Lists the frequently made online payments and allows to create new payments (Internal or external) to pay now or Standing Instruction.

BillPay

Lists utility bills due for payment with due date and allows to make a payment now or schedule later.

Insurance

Lists the insurance products with premium due details. Allows you to make a payment for due.

Requests

Status of Service requests like Cheque book, Address change, Credit cards (block/report loss) and submit a new request

Transaction Widgets

Slide 6

Transactions Information & Interaction General

These are secured Widgets and will be available in Online Banking with full functionality. These can be integrated with other social media sites like iGoogle, Yahoo, Facebook with limited functionality. This require sign-in using the online banking credentials.

Balances

Displays the relationship information of all Account Nicknames, Current Balance, Currency. List of accounts include, Current/Savings Account (CASA), Loans, Deposits, Credit cards

Networth

Summary of relationship categorised into main groups. Shows the networth in preferred currency, if multicurrency transactions present.

Investments

Lists the deposit accounts, Mutual funds with details like interest rate, maturity information/NAV and current value.

Stocks

Lists the current value of the stocks/shares held either from stored value or at login time depends on setup

My Direct Help

Contact Relationship manager through Internal Mail, Online Chat, Videos or Forum

Mail Box

Lists the alerts/Notifications from RM/Bank.

Information & Interaction Widgets

Slide 7

Information & Interaction Widget

• Information/Interaction Widget

• Can be independent in Online banking or external application

•Secured and requireed login credentials

•Data communication on SSL

Slide 8

Transactions Information & Interaction General

These are widgets which can be integrated & published for view of general public. Few of them still require Sign-in using online banking credentials if these are part of Online banking. These will publish information about products, interest rates, calculators etc.

Calculators

Financial calculators - Mortgage, Auto Loan, Home Loan, Exchange Rates, Personal Finance

Advice

Connects to Interactive WiKi's, Blogs with moderator or Senior member giving advice/suggestions based on the question.

Offers

Lists new products or offers for the customers

Rates

Interest rates on Deposits, Savings accounts

Compare Us

Compare your spending with the world.

General Widgets

Slide 9

• General Widgets

• Can be independent in Online banking or external application

• No Login required

• Can be integrated to external websites for advertisement

•Suitable for Social Networking Integration

•Data pulled from bank server

General Widgets

Slide 10

Landing Page with widget types

Slide 11

Widget Customer Feel

Allows customer to pick and choose the required widgets

Widgets can be refreshed as a unit

Can be minimised or closed

Slide 12

Integration with Social Media

• Maintains the Look & feel

• Develop once & deploy in different place

• Cross selling & Up selling

• Appears based on the customer profile

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Slide 14

Visit www.vayana.in

Thank You….learn more about us at www.vayana.in