Contact: Yevhen Zhurer Yevhen.Zhurer@diceus.com WH O WE A R E - PowerPoint PPT Presentation

I T S E R V I C E S F O R B A N K I N G Contact: Yevhen Zhurer Yevhen.Zhurer@diceus.com

WH O WE A R E Diceus provides technology consulting, digital transformation and software development services since 2011. We effectively combine our deep industry expertise in Banking, Insurance, Healthcare, Government, Robotics, Green Energy, and Aerospace with standard-driven and proven SDLC process to help leading organizations from Europe, North America, UK and Middle East to build and run more innovative and efficient businesses.

BANKING EXPERTISE

B A NKI NG EXPER TI SE Diceus has broad experience in developing comprehensive systems and apps for the banking industry. It allows us to encompass best practices and innovative approaches in SDLC (Software Development Lifecycle) for banking. Diceus’ Software Development Lifecycle is SDLC covers all aspects of the application high level standard process for any project lifecycle – from initiation till the end of the within the organization based on PMI application lifecycle (application sun set), it recommendations and CMMI but can be defines expected involvement of all tailored to the client needs or its variations counterparties to make process execution of the SDLC implementation requirements. smooth and predictable. Effective risk management Guaranteed results BENEFITS OF SDLC-PROCESS Predictable deadline Operation cost reduction High-quality of your solution 4

B A NKI NG EXPER TI SE FRAUD & AML TRADING MANAGEMENT Optimization and automation of workflows for: Development of trading systems software (from commodities, derivatives, and equities - Know Your Business (KYB) to fixed income trading systems) - Anti-Money Laundering (AML) - Know Your Customer (KYC) Development of the trading automation - Customer Due Diligence (CDD) solutions (front office and back office solutions) Customization, implementation of Regulatory Market data integration (Bloomberg, Compliance Management systems Thomson Reuters, Morningstar, ICE, etc.) Automation of settlement, billing, clearing and invoicing processes RISK MANAGEMENT Automation of Forex processing Development and customization of the collateral Automation of P&L processing risk management systems Development and customization of the reference data systems Implementation of the risk modelling systems Implementation of BI credit risk reporting 5

B A NKI NG EXPER TI SE DATA WAREHOUSE, COMPLIANCE AND ETL & REPORTING AUDIT MANAGEMENT Implementation of compliance reporting and Development of data warehouse management dashboards structures, data marts and metadata layers. CUSTOMER EXPERIENCE DIGITAL WORKFLOW MANAGEMENT AUTOMATION Development of 360-degree customer view Implementation and customization of and intelligent decision systems RPA solutions Integration layer for SaaS BPM and other systems FINANCIAL REPORTING Data preparation, integration, and migration Development of financial reporting and management dashboards TREASURY Data aggregation and transformation CORE BANKING SYSTEMS Feed amendments Integrations with OracleFLEXCUBE , Midas, Golden source integration Credit Management 6

B A NKI NG EXPER TI SE WEALTH MANAGEMENT CARDS AND PAYMENTS Onboarding Processing centers integration KYC Acquiring User portal dashboards POS retail integration Back-and-forth document exchange Online asset management (put, call, P&L) MOBILE BANKING MORTGAGE AND LENDING BUSINESS OPERATIONS & TRANSACTION MONITORING IT OPERATIONS AND SECURITY 7

BANKING CASE STUDIES

USE CA SE OUR SOLUTION RPA FOR ANTI-MONEY Diceus’s IT services for bank Robotic process automation (RPA) LAUNDERING (AML) was used to validate existing client information on transactions, pulling client data from various internal repositories to verify the client’s information or to hand off to Cost-effective solution an associate for review. With several internal and external RPA - sources available for client verification, RPA was leveraged to Don’t require coding or extensive training Robotic search internal data repositories as well as approved third- party data sources for client information. RPA has also Embeds compliance steps into the process Process automatically sent emails with alerts to frontline staff Easy integration with AI, Risk Management and other banking Automation requesting necessary KYC documentation. systems BUSINESS CHALLENGES VALUE DELIVERED FOR CUSTOMER Bank was spending millions of dollars on their financial crime and compliance programs, using multiple systems and sources by AML 0 20 0 employees. Additional challenges had to be solved: • New regulations, leading to increasing fines Manual effort reduced 0% error rate from 45 to 20 minutes ensured transactions • Complexity of monetary and non-monetary transaction integrity • Manual input led to risk of errors • Expensive and time-consuming job 2/7 24/7 • AML employees number had to grow up to 10% Data Quality Robot operates 24/7 9 increased

CA SE STUD Y OUR SOLUTION CUSTOMER EXPERIENCE Diceus has developed the CEM Solution starting from the visualizing MANAGEMENT (CEM) customer journeys and identifying customer “break points” - the stage at which people start to get unhappy. CEM Solution was developed including a combination of AI-powered chatbots, robotized human agents and feedback tool by integrations with BANK TYPE RETAIL the core banking system, back office, payment processing, client database, BANK DEPARTMENT OPERATIONS/CRM/CX internet banking, call centers, CRM, and mobile applications. REGION EUROPE It enabled to balance technologies and personal touch and helped the Bank to differentiate from competitors and make clients happier. ACQUISION & SERVICING PROCESS VALUE DELIVERED FOR CUSTOMER BUSINESS CHALLENGE As a part of Digital Transformation, the Bank had to develop Customer Experience NPS $ Management (CEM) Solution covering client acquisition and servicing processes. CSAT Challenges, that had to be solved: Customer satisfaction rate Servicing cost has been • Build a new customer-centric approach focusing on providing personalized has increased from 1.6% to reduced in 2 times in interactions and simplified banking customer services keeping high security level 4.8% some BPs • Servicing cost had to be reduced • Enhance/automate processes with Artificial Intelligence (AI) and RPA technologies 24/7 without having internal expertise • Collect clients’ feedback about implemented AI technologies and measured their Number of leads has 24/7 Automated efficiency been increased in 300% Customer Service • Quick start with MVP (2-3 months go-to-market product) 10

CA SE STUD Y OUR SOLUTION MARKETING AUTOMATION Diceus has developed a one-of-a-kind solution for targeted marketing PLATFORM FOR BANK campaigns for bank’s customers. Based on client’s financial activities stored in Core Banking System, combined with online activities, stored in CRM, marketing department could organize very precisely targeted marketing campaigns in a WYSYWIG editor. It enabled to create a customized interactive banners for targeted audience (e.g. quizzes for BANK TYPE RETAIL fathers age 35-45, who like to play football with sons). The unique BANK DEPARTMENT OPERATIONS client’s ID, which was generated by our solution enabled to track user’s activity without direct connection to CRM system, which kept online REGION EUROPE security but still could track t. ACQUISION & SERVICING PROCESS VALUE DELIVERED FOR CUSTOMER BUSINESS CHALLENGE NPS $ CSAT • Legacy marketing system based on email campaigns didn’t allow to be customer-oriented and create targeted campaigns Customer satisfaction rate Marketing cost has been increased significantly halved • Bank wanted to increase the revenue from individuals, using internet- banking and records from CBS • Bank aimed to increase Net Promoter Score and have instruments for better tracking user satisfaction Number of up-sales and Quick time-to-market cross-sales increased up to 60% 11

CA SE STUD I ES OUR SOLUTION ONBOARDING AND KYC FOR Diceus has developed the interface with functions of integration CORPORATE CUSTOMERS with several systems such as KYC, CRM, CBS. All the collected data were indicated on a process intelligence dashboard, which has represented all information about the current status of the customer onboarding process. BANK TYPE CORPORATE We provided knowledge transfer and tech support for end-user on a global level. BANK DEPARTMENT TREASURY & OPERATIONS GLOBAL REGION PROCESS ONBOARDING VALUE DELIVERED FOR CLIENTS IN FIRST 7 MONTHS BUSINESS CHALLENGE 75 • Client onboarding during the minimal possible time • Unattended client’s document processing (electronic copies) and feedback Document processing Onboarding time tracking, and approval chain automation (overall) reduced by time decreased by 75% 40% • Integration with multiple KYC providers and data aggregation at one point • Minimization of KYC response which contains the required customer data ☺ 95 • CBS (FLEXCUBE) integration for automated reservation and activation of customer account after KYC verification Customer satisfaction rate 95% of human factor has been increased has been removed in KYC 12