1 BFSI Solutions

2 Compliance and Regulatory Solutions Customer Retention Toolkit - Transition from Product Centricity to Customer Centricity Operational Excellence - Clarity in a Fuzzy World! Consultancy, Testing, Audit and Training

3 Compliance and Regulatory Solutions ISO and ISMS Compliance Basel II – Capital Adequacy Reporting AML BACK

4 ISO and ISMS Compliance Challenges Solutions Benefits Compliance Management services - manage cross-industry mandates and regulations such as: ISO 9001:2000 (QMS) ISO (Information Security Management System) Sox  Consistent compliance and controls across the enterprise  Automated information flows  Streamlined controls management  Compliance dashboards  Integrated document management  Stand-alone Application  Manual paper-based systems  No clear visibility in organizations‘ risk and compliance profile

5 Basel II – Capital Adequacy Reporting Challenges Solutions Benefits Sra provides BI framework that has: Built-in capital calculation engine An extensible data rationalization capability  Leverage the existing investments - reducing cost in infrastructural upgradation  Make better and consistent decisions  Superior capital allocation and risk-based pricing  Improved provisioning  Upgrading existing Core Banking System  Organize effective internal credit rating methodologies  Flawlessly pulling “risk context” specific data from disparate systems  Performing difficult computations and consolidating data with consistent aggregates  Necessitating cross-board training on Basel II compliance Centrally manage and integrate multi-functional data pertaining to finance, operational, credit and market risks

6 AML Challenges Solutions Benefits SRA provides “risk and lawfulness” validation engine that adds an intelligence layer to existing Core Banking System. The built-in intelligent engine control processes and automatically identifies invalid transactions and quarantines them.  Reducing risk by identifying and isolating risky transactions  Complete compliance with regulatory mandates  Integrate with the Core Banking System and perform in-flight quarantine of invalid transactions  Difficulty in extending Core Banking System to track legal transactions  Regional variations in business processes and regulatory mandates  Complexity in applying the same rules across branches  Dynamically changing business rules

7 Customer Retention Toolkit – Transition from Product Centricity to Customer Centricity Customer Intelligence Analytics Relationship Based Pricing eSmart Statement BACK

8 Customer Intelligence Analytics Challenges Solutions Benefits SRA's strong analytical platform, a pre-packaged Business Intelligence Datamart empowers banks to make better decision.  Leveraging existing data investments  Obtaining calibrated perspectives on the customer patterns  Effectively selecting data from complicated Core Banking System to simple excel sheets  Need for intelligent semantics to be associated with data with a high degree of diversity  Difficulty in extending Core Banking System to track legal transactions  Regional variations in business processes and regulatory mandates  Complexity in applying the same rules across branches  Dynamically changing business rules

9 Relationship Based Pricing Challenges Solutions Benefits SRA’s dynamic customer-relationship centric Data Model provides: A consistent, integrated perspective of data breaking down internal lines of business and channel silos A built-in rules engine to make pricing exceptions factoring customer loyalty and worthiness  Flexible and centralized pricing mechanism  Consistent customer-sensitive pricing policy  Addressing the overall returns from customer’s use of various products or services  Consolidating billing and accounting at the customer relationship level  Expensive and risky to extend existing Core Banking System  Need to archive and analyze complex customer data with multiple levels of aggregation  Need for a robust Data Model to consistently compensate customers

10 eSmart Statement Challenges Solutions Benefits The eSmart Statement provides drillable hierarchy of transactions across all the products selected by a customer. The eSmart Statements have business logic, finance calculators, etc., embedded into it. They also have the capabilities to enable cross-selling/ up-selling and targeted advertising.  Enhanced customer care  Reduced call centre loads  Central management of disputes and other issues  Increased revenue through up-selling/ cross-selling products through the interactive statement  Drastic reduction in customer complaints resolution time  Wean customers from paper statements to electronic statements due to operating efficiency gains.  Identifying value/ benefit in adopting eStatements

11 Operational Excellence – Clarity in a Fuzzy World! Account Origination Automation of Non-core Processes BACK

12 Account Origination Challenges Solutions Benefits SRA offers an end-to-end account opening solution - from data capture to verification An integrated workflow engine that defines the process, routing and approval mechanism Helps in lowering operational costs by eliminating the redundant processes  Centralized transaction from customer interview to account origination  Single interface for credit and identity verification  Rules based workflow for approval  Greater revenue growth with lower operational costs  Compliance with KYC norms  Complexity in managing a unified account opening process across multiple products  Rule driven interactions between people and systems  Complex multi-step processes involving people playing different roles  Frequently changing business processes and rules

13 Automation of Non-core Processes ChallengesBenefits  Rich web-based applications is generated automatically  User interface has built-in validation  Applications seamlessly connect with CBS as configured  Strict role driven access privileges are created dynamically  Each application has a built-in ‘Business Activity Monitoring’ support  Static reports shall be generated on demand  Online analytical processing cube gets created automatically  At any point the application can be reconfigured and published  A single engine cannot solve each organization's specific needs.  High cost of development of custom applications  High turn around time and associated costs of implementing a change  High risk of IT becoming the bottleneck

14 Automation of Non-core Processes Solutions SRA offers PROOF - a robust, highly customizable, process management suite (connecting people, process and information) PROOF provides: Powerful web-based graphical process modeller (building a process) Defining, modifying, creating and publishing multiple versions of applications from anywhere in the world Built-in rules modeler and rules execution engine Automatic User Interface (UI) generator Flexi-pipe driven event infrastructure to connect any type of external applications (HIS, ERP, Legacy systems and much more…)

15 Other Services BACK ConsultancyAuditTraining