How we can help – from strategy to day-to-day banking

Risk and Compliance Management

Proactively monitor risks and internal controls to align strategy and operations, improve predictability, and sustain profitable growth.

• Access all data via other systems, resulting in fewer disparities and lower costs
• Manage risk proactively across multiple business lines with on-time, compliant monitoring
• Reduce costs and improve efficiency with simple, integrated reporting interfaces

Solution Brief: Efficient Enterprise Risk Reporting

Customer Analytics

Gain insights into your customers and your sales organization to improve communication, performance, and profitability.

• Analyze customer records in real-time to improve their overall experience
• Enhance the total customer experience – from contact center and agent performance to customer service
• Manage planning, forecasting, and analytics to improve pipeline performance

CompuCredit: Improving Data Management Capabilities

Customer Service Contact Center

Effectively manage call center activities and connect with your entire banking organization.

• Track customer requests through multiple channels, for more "one and done" tickets
• Provide call agent scripting and knowledge management tools to up-sell products
• Deliver consistent product and service offers and complaint handling across all interaction channels
• Engage with customers – from branch network to online to mobile

Akbank: Increased Customer Satisfaction Index by 20%*

Customer Information Management

Provide a consistent customer experience across all communication channels.

• Give employees a 360-degree customer view to improve service and communication
• Create effective marketing campaigns based on real-time customer information
• Execute your customer-centric growth strategy based on accurate insights

Akbank: Increased Customer Satisfaction Index by 20%*

Marketing Campaign Management and Customer Segmentation

Effectively analyze, plan, and execute every marketing activity through all customer touch points.

• Make relevant and personalized real-time offers through inbound marketing channels
• Provide strategic campaign planning and multichannel execution
• Strengthen customer relationships with relevant, personalized interactions

Sales Force Management

Provide the knowledge needed to turn customer insight into sales strategies that acquire, grow, and retain profitable relationships.

• Provide tailored products as a foundation to grow and exceed sales targets
• Give employees a 360-degree customer view to improve service
• Help management track, monitor, and improve employee sales performance

Chinatrust (Philippines): Improved Customer Conversion Rate 22%*

Deposit Management

Manage and monitor the entire lifecycle of an account contract, including transactions, agreements, statements, and other related tasks.

• Automate deposit account processes to decrease the cost per unit handled
• Implement a single account and contract management tool for all cross-division products
• Flexibly support evolving products and services

Solution Brief: Transactional Banking Solutions

Loans Management

Manage and monitor the entire lifecycle of a loan contract, including origination activities, all subsequent transactions, agreements, statements, and more.

• Improve time to market with swift and painless development of new products
• Automate loans management processes to decrease costs per unit and reduce error load
• Decrease implementation time and maintenance costs

Loyalty Management

Approach customer loyalty management strategically to reward the right customers.

• Create campaigns and tactics that appeal to your target audience
• Use loyalty incentives to reward the right customers
• Apply metrics – from product purchases, money spent, to branch visits – to build rewards

Solution Brief: Building Multichannel Customer Loyalty Programs

Lease Management

Capitalize on new global demand for leased objects by streamlining all business processes of the leasing lifecycle.

• Take advantage of an end-to-end solution that supports core leasing processes
• Access a high level of customization through rule-based engines
• Streamline contact lifecycle management processes, from billing and invoicing to asset tracking

Amstel Lease: Reduced Time to Market for Product Changes by 60% to 70%*

Corporate Cash Management

Deliver highly individualized cash management services with deposit and payment products to improve liquidity and interest results for corporate customers.

• Get one global solution with multi-currency, multi-country, and multi-time zone capabilities
• Provide automated and extensive support for account and cross-product processes
• Access highly flexible configuration options to quickly adopt required processes

Charging and Billing Management

Implement real-time rating and fee models for banking services with integrated billing.

• Rely on an end-to-end solution for consume-to-cash relationship pricing
• Manage relationship pricing and consolidate disparate billing systems for quick go to market
• Improve billing and invoicing to support real-time charging, receivables, and payables

Price Optimization

Implement effective pricing strategies that can help you achieve your strategic goals – with a price optimization solution designed specifically for banking.

• Put well-defined pricing practices in place
• Streamline and automate pricing processes
• Base pricing on analysis of current customer data
• Improve margins in a highly competitive market
• Adapt to shifting consumer demand and economic trends

Solution Brief: Effective Pricing Gives Banks a Competitive Edge

Collateral Management

Efficiently track and monitor all collateral-related processes, from creation through risk-exposure reporting.

• Provide quality data for reserve provisioning and capital adequacy calculations
• Handle complex lending and collateral relationships typical of corporate customers
• Link to any credit system through web services

Corporate Loans

Manage corporate and complex high-value loans for customers with a seamless process that provides end-to-end service.

• Offer corporate customers highly tailored loan management services
• Cover all back-office processes with a high degree of flexibility
• Implement a comprehensive lending solution with integration across all relevant components

Account Management

Deliver timely, accurate financial reports by standardizing and automating the financial close cycle.

• Integrate your financial accounting architecture to close books faster with fewer errors
• Lower the cost of finance and compliance processes
• Meet regulatory reporting requirements with timely, reliable financial reporting

InCore Bank: Gaining Efficient Accounting

Real Estate Lifecycle Management

Align efficient acquisition, construction, lease, space, and facilities management across your stakeholders to enhance your property portfolio value.

• Get accurate visibility into what you own vs. lease – and locations, uses, and costs
• Lower transaction costs, increase operational efficiency, and free up capital
• Facilitate decision making and investment strategy with accurate performance data

Currency Management and Optimization

Learn how to streamline banknote handling and provide the optimal supply of currency to ATMs and bank branch cash points.

• Prevent out of cash situations in branches, ATMs, and vaults
• Increase customer satisfaction from reliably getting money from ATMs
• Improve forecast accuracy for future currency demand

Covered Bonds

Strengthen your bank's capabilities by building up a refinancing platform to issue covered bonds.

• Benefit from easy handling and transparency of all available assets to be funded
• Gain an overview of all funding transactions to identify more effective funding
• Facilitate changes or enhancement requirements from investors and businesses

Payment Engine

Streamline all payment processes using standardized interfaces with surrounding applications to create one central payment hub.

• Lower cost of ownership by simplifying processes across business and product lines
• Gain efficiencies by reengineering payment operations into one central platform
• Open new revenue streams with a scalable payment platform that supports all channels

Solution Brief: Make Your Payment Hub Work Smarter

Sustainability

Set sustainability strategies and execute against your objectives of minimizing risk and improving opportunities.

• Tap into data companywide with analytics, dashboard, and reporting – for easier compliance
• Reduce energy consumption by consolidating IT assets
• Minimize e-waste with sustainable sourcing, recycling, and contamination prevention

Energy and Carbon Management

Stay competitive in a carbon-constrained economy – and establish sustainable strategies to capitalize on the environmental aspects of your banking operations.

• Develop an effective carbon management strategy
• Embed sustainability practices into your operations
• Drive better performance than less-prepared banks
• Accurately measure, track, and reduce emissions
• Address environmental risks and opportunities
• Stay ahead of public policy issues