0. Huawei VTM Remote Bank Solution

1. Content 1 2 3 Huawei VTM Worldwide Case Huawei VTM Applicable scenes
Huawei VTM Solution Overview 3
Good Afternoon, everyone, My name is Alina, It is my honor to introduce our VTM solution to you all, in my presentation, it includes three parts, first will introduce our case in the world,
Second will introduce how to use our VTM, and the last one is our solution overview

2. Huawei VTM Worldwide Case(1/2)
Bank of China,Dec 31, 2012：First commercial VTM starts service in BOC Shenzhen Branch.
Q ：KLB commercial launch VTM service
Q ：LanZhou & Hankou Bank commercial launch VTM service
Q ： ICBC, ABC, CBC are commercial trial
Apr. 2013: ChanJiangBank, sign contract and Commercial using
Aug. 2013：CS Bank in Euro sign contract .
Sept. 2013：uBank in South Africa sign contract ,develop APP
Up to now, our solution has many customers not only in china, but also in Czech, South Africa. Our first customer is bank of china, it is one of the five biggest banks in china which belongs to the government, and the other biggest banks for example ,the Agricultural Bank of China, Construction Bank of China, Industrial and Commercial Bank of China are commercial trial now.

3. Huawei VTM Worldwide Case(2/2)
NO.
Final Customer Name
Country
Project Status
Business scope
1st Phase scale
2nd Phase scale 1
Bank of China
China
Commercial using
Issue Card, Active Card , SMS, Call Banking，Consult
60 VTMS
200
VTMS 2
KunLun Bank
Corporate and private payment, Business consultation, password changing, Card activation, Card issuing and Bill printing 20 3
LanZhou Bank
Open Bank Account， Cash Deposit/Withdraw， Report debit card lost， Reset Password，Mobile banking， SMS， Payment， self banking, check balance, money transfer etc. 30 4
HanKou Bank
Issue Card, Reset Password，check balance，Consult，Financial invest 15 5
ChangJiang
Bank
Issue Card, Bill printing 10 50 6
uBank
South Africa
Develop APP
Issue Card, Financial invest , Reset Password, , Bill printing Consult
10 VTMS 7
CS Bank
Czech
Euro
Sign contract
Account transfer 、temporary credit card apply、buy insurance，consult。
5 VTMS
20VTMS
More than 60 Banks are interested in Huawei VTM Solution and contact us to construct it.
There are the scales of our case now. As we see, the bank of china is the biggest case now, as far as I know, bank of china had deploy 60 VTMs now, and they plan deploy more than 200 VTMs end of Q1 next year. the customers of bank of china gave good feedback for the VTM, so there boss want to deploy on a big scale.
Now, more than 60 banks are interested in VTM solution, for example the middle east, Thailand, Italy, Malaysia and so on

4. Huawei VTM in BOC Requirement Solution Benefit for Customer
Too crowd in branch, it should distribute counter service.
Existing self-service is for consulting and query, it should innovate to improve real-time transaction and service experience.
Solution
Phase 1: 60 sets VTM; phase 2: 200 sets VTM in 2014.
VTA environment: 20 VTA
5 application: SMS service applying , Business consultation , Phone bank application , Card activation , Card issuing
Benefit for Customer
Improve e-channel capability, decrease cost
New Channel instead of counter service, improve customer satisfaction
Provide card issue application to increase new customer.
As we introduced before, the BOC have 60 VTMs now ,and only 20 counters service 60 VTMs, so one counter can service many VTMs, the BOC reduce the human resource through this way. The VTM can do five transactions in The bank of china, SMS service applying , Business consultation , Phone bank application , Card activation , Card issuing

5. Huawei VTM in KunLun Bank
Requirement
Less branch, it should expand VTM to improve coverage and service
Provide Corporate and private Banking service
Provide service by different area
Solution
E2E VTM solution with VTA environment, VTM and VTC.
6 application: Corporate and private payment, Business consultation, password changing, Card activation, Card issuing and bill printing
Benefit for Customer
Fast and low cost to deploy branch
Central management and professional service to corporate and private customer
Improve service quality and customer experience.
Kunlun bank belongs to CNPC which is China's largest oil and gas producer and supplier, The special of this bank is that the VTM can do the corporate transaction, for example, the corporate payment.

6. Huawei VTM in LanZhou Bank
Requirement
Less branch, it should expand VTM to improve coverage and service
Provide 7*24 service
New technology innovation
Solution
E2E VTM solution with VTA environment, VTM and VTC.
8 application: Cash deposit and withdraw, Business consultation, Mobile bank subscription, SMS subscription, password changing, card issuing, fee payment and financial service
Benefit for Customer
Fast and low cost to deploy branch
7*24 service, improve service quality.
Lanzhou bank is a city commercial bank, it is can provide 7*24 service. It can do 8 transactions :Cash deposit and withdraw, Business consultation, Mobile bank subscription, SMS subscription, password changing, card issuing, fee payment and financial service

7. Huawei VTM in CS Bank Project Status
May 2013, start POC;
August 1, 2013, VTM DEMO test in CS Bank Branch;
VTM to provide with 6 business services: short-term credit card applications, bill business, account transfers, travel insurance purchase, balance inquiries, video teller consultation;
Hire a professional market research consultant for trial customers to collect customer data model, summarize the market reaction and experience;
1 Month trial period, to conduct research on the 400 clients, 80% Customer Satisfaction.
In August, we had deployed one VTM in CS bank branch, and the bank research 400 customers, 80% of customers are satisfied

8. Content 1 2 3 Huawei VTM Worldwide Case Huawei VTM Applicable scenes
Huawei VTM Solution Overview 3
Next, I will introduce how to use and deploy VTM

9. Remote wealth management terminal
A revolution of financial service ideas
Remote teller machine
Oriented to common customers, alleviating the pressure of counter services
24/7 services
Counter service
Customer relationship maintenance
Up-sell
Remote wealth management terminal
Professional service consulting for high-end customers
The existing branch staff can focus on the high-level customer communication and marketing.
Triage counter business, and provide 7 x 24 hours service
VIP offices provide professional financial services to customers
The VTM solution is a revolution of financial service ideas, it can be used in existing branch, and existing branch counters can focus on the ….
And it can be deployed in the self-service area where provide 7*24 hours service
revolution of financial service ideas.

10. VTM In-branch
VTM : Self-service channel, you can divert counter business, relieve counter pressure, release counter staff, reduce human cost.
This is the design drawing for VTM using in branch, the VTM is the self-service channel, using it can improve the business outcomes and customer satisfaction.

11. VTM Off-branch
VTM : 24-hour self service, covering 90% of the counter transaction, for private or enterprise customers
This is the design drawing for VTM using out of branch, the VTM can provide 24 hours service through the remote teller.

12. VIP Room
Focus VIP customers , financial expert services can cover all branch. For the VIP customers with consulting, investment and other financial services
This is VIP room, as we know, the professional teller for investment and other financial products is very limited, like our TP meeting today, our local sales know huawei all products, but they can’t tell you the very technical information for all of the products, so we can use the TP meeting with HQ experts.

13. Assuming VTM future scenarios
1. Auto 4S
Car Loans
Car Insurance
2. Enterprise
Issue salary Card
Enterprise transfer payment( identified by Ukey)
3. Residential area
Insurance
Financial Services
Financial Consult
4. Mobile-Bank
Comprehensive functions
Services anywhere, anytime
In the future, we believe that, the VTM will be deployed in Auto 4S shop, company, residential area and the mobile car, The Auto 4S shop can provide the transactions of car loan and car insurance. and it can be deployed in company used by the employees of this company, so the employees don’t need go to the bank branch.

14. Content 1 2 3 Huawei VTM Worldwide Case Huawei VTM Applicable scenes
Huawei VTM Solution Overview 3

15. Trusted Remote Bank Solution Provider
2011 Beijing International Financial Exhibition
Since 2009, discuss with global TOP bank and propose VTM conception
2011, CIFTEE, Released VTM to public and awarded “Special Recommend Prize”
Rely on Huawei mature ICT system, build special VTM team and provide dedicate service
2012, Launched in BOC
Special Recommend Prize
Huawei had development the VTM solution since 2009, we released this solution in 2011 in the international financial exhibition, and be awarded “special recommend prize”

16. VTM Remote Bank Solution Overview
90%
counter transactions
Open an account
Inquire
Check
Consultation
Remittance
VTM
VTC
VTA
Airport
Hotel
Suburb
Community
Shopping mall
7*24h
Mini Branch
Huawei eVTM Solution
Counter integration
Cloud collaboration
Video convergence
VTM solution can deployed many places, airport, hotel, suburb, community, and shopping mall. It can service the customer all day. And the customer can do 90% transactions through the remote tellers.

17. VTM Solution at a glance
VTA (Virtual Teller Agent )
Centralized teller deployments
Centralized service processing
VTM (Virtual Teller Machine )
Machine where customers have their services handled
Various VTM models supported
VTC (Virtual Teller Center )
High-definition (HD) video calling(1080P)
Centralized service processing platform
Our vtm solution include three parts, one is the VTM, it is a machine,have many modules, for example, card reader, card issuer,A4 printer and so on, use those modules, we can do many transactions.
Another part is the VTC, it connects VTM and VTA, provide the HD video call, and queue, call routing, collaboration, it is the core of VTM solution.
The last one is the VTA, it is the remote teller, service the VTM

18. VTC overview Video call V T Intelligent routing C Remote collaboration
The VTM system allows remote tellers to assist VTM users in handling services just like face-to-face. The VTC system delivers counter-like experience to users and provides highly-efficient, differentiated services.
Video call
Provides video call setup, recording, snapshot, and call transfer functions.
Supports third party (for example, service director to review authorization) access.
Assigns tellers at different levels and with different skills based on the service type to ensure optimal quality of service (QoS).
Intelligent routing
Remote collaboration
Delivers counter-like experience with desktop sharing, remote control, and file transfer.
Huawei provide the VTC part. In this part, it provide three important functions, video call, intelligent routing, remote collaboration

19. Integrating Huawei HD video technology
HD video, face-to-face counter-like experience HD
Real experience
Integrating Huawei HD video technology
HD video calls, with smooth display of dynamic image
True-to-life, face- to-face experience
Using HD video, the customer have a face to face video call with the remote teller. And we can record the voice and the video, Supports third party access, for example, service director to review authorization

20. Service assistance for increased customer perceptionMS
MCMS
MCC
Database
VTC
Assisting in filling out bank forms
A remote teller can help a customer fill out or modify information on the bank form.
Promoting products
A remote teller can push information directly to the VTM's screen and introduce the banking products (especially, wealth management) to customers with the help of advanced auxiliary tools such as a laser pen.
VTA
VTM
We have the collaboration function, so the remote teller can help the customer fill out the application forms, and if the teller want to promote financial products, he can push the product information to the VTM screen, and introduce the product with the advanced functions, such as laser pen

21. Wealth management specialist Receiving wealth management service
Intelligent assignment for better services
Unified queuing
For customers who have their services handled on the VTM, if they are waiting for remote tellers' assistance, the system automatically queues customers following the policy of "first come, first served" and assigns appropriate remote tellers. One teller can operate several VTMs, which maximally saves labor cost.
Intelligent routing
The system automatically selects an appropriate service handler based on the type of service to be handled. For example, when a customer selects a wealth management service, the system automatically connects the customer to a remote wealth management service teller; if the customer selects a similar wealth management service again within a certain period of time (which is configurable), the system automatically connects the customer to the same teller.
Video server
Multimedia collaboration management system
Media control center
Call access system
VTC
VTM
VTA
Remote teller
Wealth management specialist
Opening an account
Receiving wealth management service
The human resource is limited, we need to reduce it, so our solution will provide the function of unified queuing and intelligent routing. Using the unified queuing function ,the remote teller can service many VTMs, and using the intelligent routing function, the system can selects an

22. Card reading and issuing module
VTM1000
document scanner
HD video
ID card reader
A4 receipt acceptance
Fingerprint scanner
A4 receipt printer
Card reading and issuing module
IC card reader
This is the machine of VTM, it can be customized according to the requirement of the bank.

23. Massive and quick VTM rollouts, achieving functions of mini branches
Integrated, function-rich solution
Enterprises in rural area
Shopping malls
Commercial centers
High-end residential communities
Residential buildings
Bank branches
Airports
Hotels
Bank headquarters
Shortens the construction period greatly compared with common bank branches (a single VTM functions as a mini bank branch).
Applies to multiple scenarios, such as office buildings, residential communities, 24/7 self-service banking kiosks, and existing bank branches.
Diversified services
Provides a rich set of functions, such as applying for a new bank card, performing wealth management, withholding payment using a bank card or an IC card, conducting third-party deposit and management services, processing cheque services, and activating or changing a mobile/online banking service.
As I introduced, Our vtm solution can do more than 90% transactions, so it is easy to construct a new branch. And the deploy place include airports, residential building, commercial centers and so on

24. 24/7 counter-like experience, quickly improving customer satisfaction and increasing transaction volume
Face-to-face experience, improving customer satisfaction
Requires only lightweight development to integrate audio and video services on the VTM, without the need to purchase any third-party video servers.
Provides unified routing and management and supports video interactive voice response (IVR) and agents to reduce potential SI risks and improve system reliability.
24/7 counter-like service, increasing transaction volume
Migrates traditional counter services to the VTM, greatly reducing customers' waiting time and thereby increasing the transaction volume.
Now ,the bank branch only provide 8 hours service, if the customer want to do the transaction, he must do it at the working time or weekend, the VTM can service all day, so he can do the transaction when he is free. So Using the VTM can improving customer satisfaction and outcomes.

25. Centralized operations Professional service handling
Centralized, professional, and remote counter services, reducing operating expense
Centralized operations
Processes service requests centrally at the back-end processing center, which reduces the site rental fees, operating costs, and labor costs of bank branches.
Professional service handling
Assigns different service requests to the most appropriate professionals, which is more efficient than traditional methods in which one teller has to handle various types of service requests, thereby greatly improving customer satisfaction.
Centralized, remote operations
1/3 tellers of the original total
The tellers are centralized, easy to manage, and can give the training easily, the teller will give the same service to the customers, so they will service more professional.
And the remote teller will be only one third of the branch empolyees. It will reduce the operating expense.

26. Customer benefits (3/5): low deployment costs
Three-year TCO comparison between 10 counters and 10 VTMs
Basic Information
Bank Branch
VTM
Number of counters/VTMs and business area
10 counters, 300 m2+
10 VTMs, 80 m2
Employee configuration
At least 20 employees (8 working hours/day): Director: 1
Account /Cashier: 2
Reception manager: 2 VIP/Financial management specialist: 2
Business manager: 1
Teller: 12
3-5 remote tellers (8 working hours/day)
Service area
Cash zone, non-cash zone, self-service zone, VIP area, financial management area, waiting zone, and reception manager counter
Remote teller office and self-service zone.
Infrastructure
1. IT devices: computer, banknote counter, printer, queue machine, electronic screen, TV, self-service equipment, bill sorting machine, and LED screen, and so on
2. Security devices: bullet-proof glass, security doors, video surveillance, alarm device, safes, and firefighting devices, and others
3. Routine O&M: water, electricity, consumables, and daily bank escort services, and so on
IT devices: 10 VTMs, servers, and remote tellers' computers
Security devices: small amount of security and firefighting devices
Routine O&M: water, electricity, consumables, and bank escort services if necessary.
Deployment duration
3 to 6 months, or even longer
1 to 3 months
Bank branch
200
600
300
100 60
150
VTM bank branch
58%
One-off investment
Employee costs
Rent fees
Routine O&M costs
Network communications costs
(Unit: CNY)
We had analysis the tco of branch and the VTM, using VTM ,it can reduce 58% costs than branch.

27. Interaction and collaboration Differentiated service
Comparison between the VTM and traditional service channels
Item
Bank Branch
Video ATM
Internet Banking
Telephone Banking
Mobile Banking
VTM
Face-to-face service 
(Low Definition) 
(HD)
Interaction and collaboration
Service type
Diverse
Poor
Minor
Differentiated service
User experience
Good
Opening time
7*8
7*24
Transaction security
High
Moderate
Low
Deployment duration
Long
Short
O&M cost
Very high
This is the comparison between the VTM and the traditional service channels. The VTM can integrate all advantages of the traditional channels. and the TCO is low