1. Your Smart Solutions Partner Cristian Apa, Sales Director

2. Bank of the Future 7 years of experience CA Strategic Partner More than 60 certifications Large project implementations More than 10 vendors represented Introducing Business Solutions in 2010 The Company Romania Greece Serbia Bulgaria Ungaria R. Moldova

3. Bank of the Future References

4. Bank of the Future Future of Banking * Berg Insight User in million

5. Bank of the Future Traditional Banking Alternative Banking

6. Bank of the Future The transformation…. Why?  Current economical context How?  Technology modernization & business engagement model changes When?  Preferably, before competition

7. Bank of the Future Deliver through promise Ensure service level for customer e-Services Ensure internal SLAs on core IT systems Forecast service level degradation Measure Web experience for each customer Establish metrics for business services and business transactions

8. Bank of the Future Control projects and budgets Prioritise and plan investments Track investments and projects internally Report on costs and benefits of projects Track provision of service by third parties Manage business initiatives Smart managing demand

9. Bank of the Future Transform customer experience

10. Bank of the Future Unify alternative channels The Challange: Taking Command of Customer Interactions The Solution:  100 Percent Coverage - Reach all customers, not just online banking customers.  Proactive 1:1 Conversations - Deliver personalized, high-value content that customers want.  Triple Play Convergence -Optimize the customer’s mobile experience and reduce TCO.  Cross-Product, Cross-Channel Orchestration -Extend mobile across the entire organization.

11. Bank of the Future Extend mobile banking towards its maximum value Maximize loyalty and fees Enable new fee-based products Lower fraud and reputational risk Integrate secure with payments rails Reduce merchant payment fraud Enable new revenue via merchant rewards and offers Optimize cross selling of banking products

12. Bank of the Future Innovate and reuse Innovate and stay ahead of competition Make use of industry best practices Partner with value added vendors Test concepts before buying

13. Bank of the Future Blend physical and IT security Ensure that staff has only access to intended information Verify individual authorization Enforce Data Loss Prevention for misusage of information Enforce the regulatory standards Encipher data and communication when possible Test security on a regular bases

14. Bank of the Future Your right solution provider should…... understand your Strategy and business requirements... have been successfully implementing the solution before... make the right tools and the right skills available to you... be trustworthy and reliable... show the right attitude

15. Bank of the Future IT Works Naturally cristian.apa@solvitnetworks.com