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

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.

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B A NKI NG EXPER TI SE

Diceus’ Software Development Lifecycle is high level standard process for any project within the organization based on PMI recommendations and CMMI but can be tailored to the client needs or its variations

• f the SDLC implementation requirements.

SDLC covers all aspects of the application lifecycle – from initiation till the end of the application lifecycle (application sun set), it defines expected involvement

• f

all counterparties to make process execution smooth and predictable.

BENEFITS OF SDLC-PROCESS

Effective risk management Guaranteed results Predictable deadline Operation cost reduction High-quality of your solution

Optimization and automation of workflows for:

• Know Your Business (KYB)
• Anti-Money Laundering (AML)
• Know Your Customer (KYC)
• Customer Due Diligence (CDD)

Development and customization of the collateral risk management systems Development and customization of the reference data systems Implementation of the risk modelling systems Implementation of BI credit risk reporting Customization, implementation of Regulatory Compliance Management systems

FRAUD & AML RISK MANAGEMENT

Development of trading systems software (from commodities, derivatives, and equities to fixed income trading systems) Development of the trading automation solutions (front office and back office solutions) Market data integration (Bloomberg, Thomson Reuters, Morningstar, ICE, etc.) Automation of settlement, billing, clearing and invoicing processes Automation of Forex processing Automation of P&L processing

TRADING MANAGEMENT

B A NKI NG EXPER TI SE

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DATA WAREHOUSE, ETL & REPORTING COMPLIANCE AND AUDIT MANAGEMENT

Implementation

• f

compliance reporting and management dashboards Development of 360-degree customer view and intelligent decision systems Integration layer for SaaS BPM and other systems Data preparation, integration, and migration

CUSTOMER EXPERIENCE MANAGEMENT

Integrations with OracleFLEXCUBE, Midas, Credit Management

CORE BANKING SYSTEMS

Development of data warehouse structures, data marts and metadata layers.

DIGITAL WORKFLOW AUTOMATION

Implementation and customization of RPA solutions

FINANCIAL REPORTING

Development of financial reporting and management dashboards

B A NKI NG EXPER TI SE

Data aggregation and transformation Feed amendments Golden source integration

TREASURY

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Onboarding KYC User portal dashboards Back-and-forth document exchange Online asset management (put, call, P&L)

WEALTH MANAGEMENT

Processing centers integration Acquiring POS retail integration

CARDS AND PAYMENTS

B A NKI NG EXPER TI SE

MOBILE BANKING MORTGAGE AND LENDING BUSINESS OPERATIONS & TRANSACTION MONITORING IT OPERATIONS AND SECURITY

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BANKING CASE STUDIES

RPA FOR ANTI-MONEY LAUNDERING (AML)

Diceus’s IT services for bank Robotic process automation (RPA) was used to validate existing client information

• n

transactions, pulling client data from various internal repositories to verify the client’s information or to hand off to an associate for review. With several internal and external sources available for client verification, RPA was leveraged to search internal data repositories as well as approved third- party data sources for client information. RPA has also automatically sent emails with alerts to frontline staff requesting necessary KYC documentation.

BUSINESS CHALLENGES OUR SOLUTION

Bank was spending millions

• f

dollars

• n

their financial crime and compliance programs, using multiple systems and sources by AML

• employees. Additional challenges had to be solved:
• New regulations, leading to increasing fines
• Complexity of monetary and non-monetary transaction
• Manual input led to risk of errors
• Expensive and time-consuming job
• AML employees number had to grow up to 10%

Manual effort reduced from 45 to 20 minutes

2/7

VALUE DELIVERED FOR CUSTOMER

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USE CA SE

9 RPA - Robotic Process Automation Cost-effective solution Don’t require coding or extensive training Embeds compliance steps into the process Easy integration with AI, Risk Management and other banking systems

24/7

Robot operates 24/7 Data Quality increased 0% error rate ensured transactions integrity

CUSTOMER EXPERIENCE MANAGEMENT (CEM) BUSINESS CHALLENGE OUR SOLUTION

Customer satisfaction rate has increased from 1.6% to 4.8% Servicing cost has been reduced in 2 times in some BPs

24/7

VALUE DELIVERED FOR CUSTOMER

CA SE STUD Y

10 BANK TYPE BANK DEPARTMENT REGION PROCESS RETAIL EUROPE ACQUISION & SERVICING

Diceus has developed the CEM Solution starting from the visualizing 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 the core banking system, back office, payment processing, client database, internet banking, call centers, CRM, and mobile applications. It enabled to balance technologies and personal touch and helped the Bank to differentiate from competitors and make clients happier.

As a part of Digital Transformation, the Bank had to develop Customer Experience Management (CEM) Solution covering client acquisition and servicing processes. Challenges, that had to be solved:

• Build a

new customer-centric approach focusing

• n

providing personalized interactions and simplified banking customer services keeping high security level

• Servicing cost had to be reduced
• Enhance/automate processes with Artificial Intelligence (AI) and RPA technologies

without having internal expertise

• Collect clients’ feedback about implemented AI technologies and measured their

efficiency

• Quick start with MVP (2-3 months go-to-market product)

NPS CSAT

OPERATIONS/CRM/CX

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Number of leads has been increased in 300% 24/7 Automated Customer Service

MARKETING AUTOMATION PLATFORM FOR BANK BUSINESS CHALLENGE OUR SOLUTION

Customer satisfaction rate increased significantly Marketing cost has been halved

VALUE DELIVERED FOR CUSTOMER

CA SE STUD Y

11 BANK TYPE BANK DEPARTMENT REGION PROCESS RETAIL EUROPE ACQUISION & SERVICING

Diceus has developed a one-of-a-kind solution for targeted marketing 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 fathers age 35-45, who like to play football with sons). The unique client’s ID, which was generated by our solution enabled to track user’s activity without direct connection to CRM system, which kept online security but still could track t.

• Legacy marketing system based on email campaigns didn’t allow to be

customer-oriented and create targeted campaigns

• 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

NPS CSAT

OPERATIONS

$

Number of up-sales and cross-sales increased up to 60% Quick time-to-market

ONBOARDING AND KYC FOR CORPORATE CUSTOMERS BUSINESS CHALLENGE OUR SOLUTION

• Client onboarding during the minimal possible time
• Unattended client’s document processing (electronic copies) and feedback

tracking, and approval chain automation

• Integration with multiple KYC providers and data aggregation at one point
• Minimization of KYC response which contains the required customer data
• CBS (FLEXCUBE) integration for automated reservation and activation of

customer account after KYC verification 95% of human factor has been removed in KYC Onboarding time (overall) reduced by 75% Customer satisfaction rate has been increased Document processing time decreased by 40%

95

VALUE DELIVERED FOR CLIENTS IN FIRST 7 MONTHS

75

12 BANK TYPE BANK DEPARTMENT REGION PROCESS CORPORATE TREASURY & OPERATIONS GLOBAL ONBOARDING Diceus has developed the interface with functions of integration 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. We provided knowledge transfer and tech support for end-user on a global level.

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CA SE STUD I ES

ROBOTICS PROCESS AUTOMATION FOR PAYMENT PROCESSING

A robotics process automation solution replaced humans and completed each task from start to finish much faster. The software collected the data from various sources, processed it, and converted it into a unified format. This became the basis for making further payments to the

• agents. The quality of cooperation between the bank and its

agents subsequently improved markedly.

OUR SOLUTION VALUE DELIVERED FOR CLIENTS IN FIRST 10 MONTHS

FTE decreased by 95% All payments run in one day Robotics process automation is more effective than manual work Implementation took 4 weeks

1 4 95 $

CA SE STUD I ES

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BUSINESS CHALLENGE

The biggest challenge of this bank was high running operations cost due to big number

• f

repetitive and monotonous simultaneous payments to external agents of bank within strict requirements to payment period. Delays with payments had significant financial effect to the bank. BANK TYPE BANK DEPARTMENT REGION PROCESS RETAIL OPERATIONS EASTERN EUROPE PAYMENT PROCESSING

We built 5 systems that were integrated together for structuring the information within the operational workflow of the bank. All the systems worked continuously 24/7 and the

• nline

systems were located in different time zones.

CA SE STUD I ES

CUSTOMER INTELLIGENCE SYSTEM FOR BANK OUR SOLUTION

The bank would enjoy a unified customer view

VALUE DELIVERED FOR CLIENTS IN FIRST 10 MONTHS

2х

The user response time was improved twice Customers were segmented into groups 14

BUSINESS CHALLENGE

There was a pressing need to develop and implement data marts that would maintain historical and real-time information about clients in the data warehouse as well as to develop and implement an interface for aggregating and retrieving data about transactions and operations. BANK TYPE BANK DEPARTMENT REGION PROCESS RETAIL OPERATIONS MIDDLE EAST DATA ANALYTICS

ROBOTICS PROCESS AUTOMATION FOR PAYROLL PROCESSING

A robotics process automation solution validated and authorized

• payments. It had strict and specific logic that responded to a

predefined algorithm. If something were to go wrong, a notification would be sent to the user or the case would be transferred to a human who would make decisions. Robotics process automation was integrated with NLP for processing standard and nonstandard user requests.

OUR SOLUTION VALUE DELIVERED FOR CLIENTS IN FIRST 8 MONTHS

Payment decision times decreased from 90 seconds to 10 seconds Staff amount Decreased by up to 60% 75% of monthly operations became automated

60 75

CA SE STUD I ES

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BUSINESS CHALLENGE

There was a need to maintain a large workforce to complete a task within

• ne working day in order to comply with requirements and laws upon the

bank’s receipt of salary and tax information. Each payment would go through a validation and authorization procedure and would then be approved by a human. The bank needed to reduce the number of people who were only working on the days of peak loads when salaries were being paid. BANK TYPE BANK DEPARTMENT REGION PROCESS RETAIL OPERATIONS EASTERN EUROPE PAYROLL PROCESSING

ROBOTICS PROCESS AUTOMATION FOR CASH TRANSACTIONS

A robotics process automation solution minimizes the risk of cash withdrawal manipulations. The system evaluates the operational risks related to the cash

• rders by clients, if it’s a real customer’s request and if there

are any attempts to use this cash for illegal purposes. The solutions conduct investigations in a short time if any manipulation case was detected.

OUR SOLUTION VALUE DELIVERED FOR CLIENTS IN FIRST 11 MONTHS

Cash withdrawal manipulations were reduced Illegal actions are detected and prevented

CA SE STUD I ES

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BUSINESS CHALLENGE

The goal was to detect fraud with currency sales in branches. In order to surface anomalous transactions, bank was forced to identify manipulative activities at the branches with cash funds of the bank. An analysis of cash inflow and usage information was required. Potential risk

• perations were identified with specific triggers and this information was

transmitted to the relevant units for further analysis BANK TYPE BANK DEPARTMENT REGION PROCESS RETAIL OPERATIONS EASTERN EUROPE CASH TRANSACTIONS

ROBOTICS PROCESS AUTOMATION FOR REPORT PROCESSING

0% error rate A robotics process automation solution replaced humans and it performed the steps that a human employee would. All the notifications about debtors present in the executive debtor base were sent on the same working day. Human error was eliminated.

OUR SOLUTION

Staff amount decreased by 70% Penalties were avoided

$!

VALUE DELIVERED FOR CLIENTS IN FIRST 10 MONTHS

70

CA SE STUD I ES

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BUSINESS CHALLENGE

New requirements of national bank came to force. The bank employees were tasked with detecting all debtors in the executive master debtor base and sending notifications about these persons to the executive service. A high risk of human errors or delays in sending timely notifications has significant risks for nonconformity of compliance procedures. BANK TYPE BANK DEPARTMENT REGION PROCESS RETAIL OPERATIONS EASTERN EUROPE REPORTING

ROBOTICS PROCESS AUTOMATION FOR IMPORT/EXPORT OPERATIONS

A robotics process automation solution was used to aggregate data about the imports and exports from contracts. It then checked the data and approved payments if the information coincided on both sides. FTE decreased and the risk of human error was eliminated.

OUR SOLUTION

Average handling time reduced by 95% Human error fell to 0% A reduction in working hours

95

VALUE DELIVERED FOR CLIENTS IN FIRST 10 MONTHS

CA SE STUD I ES

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BUSINESS CHALLENGE

High number of typical routine operations a day should be performed by large number of employees in order to validate the data in import-export contracts, which leads to high operational costs, human errors, limited capacity and missing OLA on procedures throughput metrics. BANK TYPE BANK DEPARTMENT REGION PROCESS RETAIL OPERATIONS MIDDLE EAST IMPORT/EXPORT OPERATIONS

DATA WAREHOUSE FOR BANK

A new design for the data warehouse architecture was created. The managerial reporting system was formalized and clarified. ETL processes were released for extracting, transforming, and loading the data from a source system to a warehouse.

BUSINESS CHALLENGE OUR SOLUTION

Bank faced numerous issues with identification of “single point of truth” for a quite big number of business important parameters in SMB and Corporate segments. Each desk and department has their own data source, and all this leads to incorrect or not on-time reporting to regulatory organizations. Centralized Data warehouse was an answer to cover all these gaps. The bank has got a multi-level reporting system Average handling time reduced by 95% Business processes were improved Data quality leads to lower penalties by 90%

VALUE DELIVERED FOR CLIENTS IN FIRST 10 MONTHS

95

CA SE STUD I ES

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90

BANK TYPE BANK DEPARTMENT REGION PROCESS RETAIL OPERATIONS MIDDLE EAST

DATA AGGREGATION HUB FOR A TREASURY

Single data aggregation point was created. The system automatically mapped entities from different system to appropriate Golden Source values and passed it

• n

to Consumer Systems In case of Data Discrepancy, alerts were raised and Data Quality Officer could manually amend feed data

BUSINESS CHALLENGE OUR SOLUTION

Raw data that came through various system feeds needed to be unified and verified against Golden Source. Operational expenses for manual data unification and validation needed to be reduced. Time to update Golden Source and/or originating system feed was too long. Manual amendments were requested by Data Quality department 99% of persistent discrepancies were eliminated Manual effort reduced by 90% Processing time reduced Data Quality increased

99

VALUE DELIVERED FOR CLIENTS IN FIRST 8 MONTHS

90

CA SE STUD I ES

20 BANK TYPE BANK DEPARTMENT REGION PROCESS INVESTMENT TREASURY GLOBAL TREASURY MANAGEMENT

DEVELOPMENT OF A REAL-TIME TRADING SYSTEM

Distributed trading system was developed that covered EU, US, APAC and EMEA regions. Real-time trading across multiple regions with strict visibility and permissions model allowed fast and secure deal blottering, as well as further life cycle, up until settlement Integration with Core-Banking system allowed actual settlement to be handled with less manual operations

OUR SOLUTION VALUE DELIVERED FOR CLIENTS IN FIRST 8 MONTHS

Full transparency for

• perations and P&L

calculation Processing speed increased by as much as 30% Blotter errors decreased by as much as 90%

30 90

CA SE STUD I ES

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BUSINESS CHALLENGE

Multi-regional Loan Trading required a real-time trading system. The system should allow cross-regional trading within the Bank The system should allow Flash and YTD PnL calculation with different levels of details. The system should reduce Time To Settle. The system should introduce transparent Portfolio values for Distressed and Par facilities. BANK TYPE BANK DEPARTMENT REGION PROCESS INVESTMENT CORPORATE & PRODUCT DEVELOPMENT GLOBAL FACILITY TRADING

CUSTOMER 360 SYSTEM WITH REAL- TIME OFFERING

An entry point for bank customers was a call center. Diceus has utilized an interface (AXL) of Unified Communications Manager, which allowed the bank’s front-desk operators to see real-time client report, based on the retrospective data and online

• activity. New communication channel was created.

The solution utilized only a single client ID such as phone number during the call to retrieve all data from various sources (CRM, DWH, CBS, omni-channel payment hub) over one API call. It enabled to get dynamic and quick complex view to clients’ financial accounts, financial transactions, “digital history” and ad hoc analytics.

BUSINESS CHALLENGE OUR SOLUTION

Customer satisfaction and loyalty have increased

2/7

VALUE DELIVERED FOR CUSTOMER

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SME short-term products sales rose from 0.9% to 9% Increased recommendation rate Conversion rates grew from 2% to 25%

• Providing better customer experience and retaining customers based on building

real-time integrations of several different systems

• Track and respond to customer activities occurring across multiple channels in live

mode

• Create personalized interactions across every conceivable channel
• Personalized product recommendations based on client’s browsing history, digital

activities from marketing and financial history BANK TYPE BANK DEPARTMENT REGION PROCESS RETAIL MIDDLE EAST OPERATIONS KYC

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CA SE STUD I ES

SOLUTIONS & ACCELERATORS DATABASE & REPORTING

TECH NO LOGY STA CK

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BACK-END / FRONT-END

Riyadh, 7978 Alnafel Road

middleeast@diceus.com diceus.com

UKRAINE

(HQ, Delivery Center) Kyiv, Vatslava Gavela bl.,4

UKRAINE

(Delivery Center) Rivne, Soborna str ., 1

LITHUANIA

(Business Office) Alytus, Varėnos g. 29-106, LT-62166

UAE

(Business Office) Dubai, AI Wasl Sq., 423

KSA

(Business Office)

DENMARK

(Business Office) Hellerup, Tuborg Havnepark 7,

CON TACT US

info@diceus.com +38 093 871 51 26 +96 654 004 59 99

CONTA CTS

+45 31 56 29 00

UKRAIN E KS A DEN MARK

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