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Driving mobile and internet banking forward in the digital era

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© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Driving Mobile and Internet Banking Forward in the Digital Era
Joseph Konowiecki Chairman and CEO
Apollo Enterprise Solutions, Inc.
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. L
ow
Threats
Causes of
threats
Barriers to
threats
• Banking
regulations
• Few other trusted sources
• Internet banks
• New small
entrants
Funds Safekeeper
Payments Facilitator
Lender
(Credit Cards & Loans)
Investment Advisor
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Funds Safekeeper
Investment Advisor
L
ow
High
Threats
Causes of
threats
Barriers to
threats
• Banking
regulations
• Few other trusted sources
• Many alternative
advisors
• Internet banks
• New small
entrants
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Funds Safekeeper
Payments Facilitator
Investment Advisor
L
ow
High
High
Threats
Causes of
threats
Barriers to
threats
• Banking
regulations
• Consumers expect
24/7/365 access with
any device
• Speed of technology change
• Cultural changes
• Adopt new
technologies faster
• Few other trusted sources
• Many alternative
advisors
• Internet banks
• New small
entrants
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Funds Safekeeper
Lender
(Credit Cards & Loans)
Investment Advisor
L
ow
High
Medium
Threats
Causes of
threats
Barriers to
threats
• Banking
regulations
• Consumers expect
24/7/365 access with
any device • Speed of technology change
• Debt
consolidators
• T
reat borrowers
like depositors • Offer choices
• Highly customized
choices
• Few other trusted sources
• Many alternative
advisors
• Banking
regulations
• Cultural changes
• Internet banks
• New small
entrants
• Adopt new
technologies faster
Payments Facilitator
High
• Consumers expect
24/7/365 access with
any device
• Speed of technology change
• Cultural changes
• Adopt new
technologies faster
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Lender (Credit Cards & Loans): Industry Trends
•
Regulation and Compliance Escalating
•
Evolution of Banking Transactions
•
Headcount Costs and Pressures
•
Digital Landscape: Increased Internet Penetration
•
The Threat of Disintermediation
•
Customer Expectation Increasing
•
Managing Complex Transactions
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Regulation and Compliance Escalating (EU)
•
European Banking Authority (EBA)
•
European Systemic Risk Board
•
The Committee of European Banking Supervisors (CEBS
)
•
Anti
-
Money Laundering directives
•
Basel II
•
Basel III
•
EU
-
banking and financial conglomerates policy
•
Payment Services Directive / SEPA
•
Data Protection Directive
•
European Commission
•
European Central Bank
•
FCA, PRA, and ACP
EU Regulatory Agencies
EU
Compliance Regulations
•
Common Reporting Framework (COREP
)
•
Consumer Credit Directive
•
Capital Requirements Directive
UK National Agencies and Regulations
•
UK Money Laundering Regulations 2007
•
Financial Conduct Authority (FCA
)
•
Financial Services Bill 2012
•
Financial Services Authority (FSA
)
•
Bank of England
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Regulation and Compliance Escalating (US)
•
Federal Deposit Insurance Corp
•
Federal Reserve Board
•
Federal Trade Commission
•
FFIEC
•
FHFA
•
Anti
-
Money Laundering (AML)
•
Bank Secrecy Act
•
Basel II
•
CA Bill 1386
•
Dodd
-
Frank Act
•
E
-
Sign Act
•
FinCEN
•
Government Accountability Office
•
National Credit Union Admin.
•
NIST
•
Office Comptroller of Currency
US Regulatory Agencies
US Compliance Regulations
•
FACTA
•
Gramm Leach Bliley (GLBA)
•
Identity Theft Red Flags Rule
•
NCUA Part 748
•
Patriot Act
•
Sarbanes
-
Oxley Act
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Risk Management
Fund Management
Legal Compliance
Management
Information Services
Corporate Management
Front Office
Sales
Teller Services
Account Origination
Account Servicing
Middle Office
Product & Pricing
Fraud/AML Management
Partner Management
Collateral Management
Core Banking
Payment Processing
Cash Management
Investments
Securitization
Credit Checks &
Rating
Back Office
Regulatory Reporting
Account Servicing
Loan/Card Processing
Check Processing
Collections & Recovery
Enterprise
Support
Human Resources
Security
Business Intelligence
Business Processes Management
Finance
Legal
CRM
Make Credit Card Payments
Web
customer
Contact
Channels
Mobile
IVR
Call
Center
ATM
Teller
Kiosk
Social
Media
Evolution of Banking Transactions: Simple Transaction
Making Credit Card Payments Online
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Risk Management
Fund Management
Legal Compliance
Management
Information Services
Corporate Management
Web
customer
Contact
Channels
Mobile
IVR
Call
Center
ATM
Teller
Kiosk
Front Office
Sales
Teller Services
Account Origination
Account Servicing
Middle Office
Product & Pricing
Fraud/AML Management
Partner Management
Collateral Management
Core Banking
Payment Processing
Cash Management
Investments
Securitization
Credit Checks &
Rating
Back Office
Regulatory Reporting
Account Servicing
Loan/Card Processing
Check Processing
Collections & Recovery
Enterprise
Support
Human Resources
Security
Business Intelligence
Business Processes Management
Finance
Legal
CRM
Settle Account
Social
Media
Evolution of Banking Transactions: Complex Transaction
Self
-
Serve Process for Settling Delinquent Accounts
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Simple Online
Transactions
Complex Online
Transactions
Live Agent
Transactions
2012
2015
Simple Online Transactions
Complex Online
Transactions
Live Agent
Transactions
* Illustrative based upon client feedback
Headcount Costs & Pressures
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Digital Landscape: Internet Penetration
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Digital Landscape: Internet Penetration
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Mobile will revolutionize the customer experience in personal financial services
.
Mobile Payments
Peer to Peer Payments
The Threat of Disintermediation
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Managing
Complex Transactions
•
Regulation and Compliance Escalating
•
Evolution of Banking Transactions
•
Headcount Costs and Pressures
•
Digital Landscape: Increased Internet Penetration
•
The Threat of Disintermediation
•
Customer Expectation Increasing
What is the solution? Banks must take bold steps to implement technologies that handle complex transactions with a customer
-
centric touch in order to maintain their position as a Trusted Source
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Empathy
“
Good morning. As a valued Customer you now have three offers to help pay your past due account…To hear your offers, please press 1 now
…
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Choices
A
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. A New Level of Customer Service
Customer Offered Personalized Q&A System
Customer profiles pull only those FAQs that are applicable to that Customer
.
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Business Rules Management
Centralized Business Rules
Database
Recommended customer Actions
INTELLIGENT
DECISION
ENGINE
customer Profile
customer
Credit Score
Credit Policies
Government
Banking
Regulations
Marketing Initiatives
Systems of Record
Tribal Knowledge
Manuals
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. •
The digital era is here…
•
Disintermediation is already happening •
ƒBanks must shape, lead, or follow the market
•
Bold steps must be taken to manage increasingly c
omplex transactions
Summary
© 2012 Apollo Enterprise Solutions, Inc. U.S. Patents 7,814,005; 7,818,229; 7,848,978. New Zealand Patent 555,166, Australia
Pa
tent 2005295176. Other Patents Pending.
TRUE, Intelligent Decisioning, TRUECommand, TRUEChoice, TRUECollect®, TRUEScore, TRUEServe, TRUEPay, TRUEStrat, TRUEAgent, T
RUE
Select, TRUEContact, TRUENet and TRUEConnect are trademarks of Apollo Enterprise Solutions, Inc. Thank You
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