© 2010 Saga d.o.o. Beograd May 2010 eBanking 2

© 2010 Saga d.o.o. Beograd May 2010 THE DRIVERS… What are 10 key business issues in financial services? 1.Regulators will require financial services firms to concentrate on transparency and risk management. 2.Transaction banking will have a strong resurgence and will need to offer product and delivery innovation, including social media, new interactive strategies, and mobile banking. 3.Lending Activity will continue to recover and increase. 4.The handful of global banks likely to be flourishing in the future will owe much of their success to having significantly scaled back the complexity of their operations. 5.Globalization and emerging markets will represent growth opportunities. 6.Traditional fee sources will end / change. 7.Wealth management will remain strategic, but with some shifts. 8.Prioritizing Investments will remain critical as hard times hinder innovation. 9.Security will remain a primary consumer concern. 10.Non bank banking ecosystems will begin to develop.

© 2010 Saga d.o.o. Beograd May 2010 THE TECHNOLOGIES… What technologies are needed to support the business? Increased emphasis on Interactive related technologies: Mobile, enhanced Web, and Social Networking. Improvements in data consolidation and rationalization; Information analytics and real- time information. Evolution of core financial services software platforms. Increased IT Governance. Emphasis on improved “non-invasive” security processes and systems Continued Efficiency improvements in infrastructure

© 2010 Saga d.o.o. Beograd May 2010 What are leading trends in interactive banking? Dynamic online help / chat Interactive portal/ widgets based More video / audio usage Explosion of mobile banking, more useful applications Creative uses of social networking Increased use of targeted marketing for Cross Sell; subtle/overt and life events. Better business analytics – web analytics integrated with bank CRM data Improved online PFM; Personalized Portals THE TRENDS...

© 2010 Saga d.o.o. Beograd May 2010 TRENDS IN INTERACTIVE BANKING Improved online; Personalized Portals Should allow client personalization, customization, and aggregation What does your online banking offering offer? Does it look like this?

© 2010 Saga d.o.o. Beograd May 2010 What architectures are needed to support the new trends? Two Key Components are needed: Financial Messaging Service BUS Data Integration – Financial Messaging Service BUS Provides consolidated view of a customer’s relationships Provides integration of internal and external customer data Provides for personalization and targeted offers “HOLOS” Presentation Integration - A flexible Portal system – “HOLOS” Provides client and bank customization and personalization Provides easy integration with bank systems, data, and external content / applications What might that look like? THE ENABLERS

© 2010 Saga d.o.o. Beograd May 2010

„Old Systems“ – Hierarchical windows, waiting time

© 2010 Saga d.o.o. Beograd May 2010 Financial Mashup portal NEW !! MashUp Portal - Widgets Public API services YouTube service Bank’s Marketing API CRM API eBanking widgets

© 2010 Saga d.o.o. Beograd May 2010 Business Mashup* eBanking 2 Backend Data Services Backend Data Services ODATA Existing Enterprise Services SOAP Public Internet Mashup APIs RSS/Atom Feeds Images Sounds Videos In Web development, a mashup is a Web page or application that uses and combines data, presentation or functionality from two or more sources to create new services. The term implies easy, fast integration, frequently using open APIs and data sources to produce enriched results that were not necessarily the original reason for producing the raw source data. - Wikipedia

© 2010 Saga d.o.o. Beograd May 2010 Financial Portal Architecture Core banking Portal engine Analytics SOA Banking services eBanking suite Financial Mashup portal Widgets eBanking Re-usable generic SaaS Public API services Administration Personal finance SOA CRM Ebanking services Notification Mailbox... Monitoring SCOM

© 2010 Saga d.o.o. Beograd May 2010 Financial Mashup portal MashUp Portal - Widgets Public API services Video service Bank’s Marketing API CRM API eBanking widgets

© 2010 Saga d.o.o. Beograd May 2010 Saga eBanking 2 -Widget-based -Asynchronous -Concurrent -Inter-Communication -Fully Open for Integration: system wide and widget wide -Internet, mobile, contact center, IVR, SMS,

© 2010 Saga d.o.o. Beograd May 2010 WebKit browser compatible

© 2010 Saga d.o.o. Beograd May 2010 „Touch“ Supported...

© 2010 Saga d.o.o. Beograd May 2010 Product Roadmap v 2.0 v 2.1 v 2.2 v 2.1 v 2.2 v 2.0 v 3.0 v ’111.4.’121.5.’131.5.’141.4.’ ’121.9.’121.7.’11