1. BANK IN A BOX
Baku, Azerbaijan
October 2012

2. Financial institutions have a greatly overlapping portfolio
disburse loans
pay off loans
money transfer
money withdrawal
deposit money
issue payment cards
cash a check
account balance check
currency exchange
account opening
order checks
pay utility bills
safety deposit box rent
review account statement

3. How to differentiate?
To extend financial services to existing customers;
To find new customers - providing financial services to the unbanked.

4. Why to change?
Creating customer trust, being available online and on mobile is the next big challenge for the banks;
Banking is no longer only branches and ATMs;
Price (interest rate) is not a sustainable advantage;

5. Why mobile? 6 bln mobile users, of which 5.4 bln GSM subscribers
Mobile phones have several attributes that make them suitable for delivering financial services to consumers.
6 bln mobile users,
of which 5.4 bln GSM subscribers
Source: Wireless Intelligence, GSMA

6. Digital communication evolution
Desktop browsing
Couch browsing
One thumb, one eye browsing

7. Mobile Brings Focus
These innovations have brought to the financial world:
to apply for financial services online – Internet banking;
to extend financial services to existing customers - Mobile banking;
to provide financial services to the unbanked - Mobile money.

8. More than 530 million consumers worldwide will embrace mobile banking services by 2013, up from 300 million in 2011.

9. How to differentiate? 24/7 Service: Internet; Mobile Phone;
Agent Network.
Service Portfolio:
C2C;
C2B;
B2B;
B2C;
C2G;
G2C;
B2G;
G2B.

10. Bank in a Box (1)
Our core portfolio of UnderTree (UT) products helps the financial institutions to expand their outreach using the appropriate technology.

11. Bank in a Box (2)
EFT Switch Module – provides integration to other payment networks (ATM, POS, Mobile, M-Wallet), Utility providers, Core banking systems, ERP etc. , can drive ATMs, POS, mobile phones, manages decentralized branches, runs remittance systems.
Front-end web based application with on-line access to the Core Banking System. It works even over low-bandwidth GPRS network (64 kbps).
A tailored application that helps financial institutions implement a truly ‘branchless banking’ strategy whereby low cost expansion can be done via the use of Mobile technology.

12. Bank in a Box (3)
A messaging platform that provides both push (SMS is initiated by the institution) and pull (SMS is requested by the customer) messages.
Gives opportunity to financial institutions to communicate with their customers easily at a very low cost.
A web-based Card Management System (CMS) that supports the full card life cycle from application to manufacturing, all administrative functions post distribution, through to the reissue or closure of the card.
A module used for customer identification via fingerprint. It is usually integrated within implementations, which require higher security operations like cash withdrawal and money transfers, but can also be activated for any other screen as per client’s requirements.

13. Bank in a Box Architecture

14. Case Study (1)
Island country
82 islands
The happiest nation
appx 250, 000 people

15. Case Study (2) Internet Banking ISImoney – SMS notification
M-wallet – Digicell integration
Agent network – web-based front end solution

16. Software Group Solutions deployed on 5 continents
Branchless
Banking
SMS alerts and enquiries
ATM & POS management
Internet Banking
Mobile Phone
Banking
efficient customer communication
develop and operate your own ATM/POS network
convenience with style
we can help you to provide convenient banking for clients, agents or field staff
support your service expansion and move into new areas
ATM & POS network integrations
M-wallet
Utility bill
payments
Card management
Loyalty
cards
m-wallet system for banks, mobile operators or third party providers
pay and purchase is so simple
issue and operate debit and credit cards, prepaid cards, etc.
ensure your success
in customer retention.
leverage existing payment networks

17. Why Bank in a Box? Serve the unbanked;
Increase operational efficiency;
Open up new revenue streams;
Improve customer satisfaction and convenience;
Give the financial organization tools to integrate easily with payment networks.

18. Thank you for the attention
Europe, Asia & Pacific
29, Obikolna str., Drujba 2
1582, Sofia, Bulgaria
Africa & Latin America
Suite 14, The Green House, Ngong Road
Nairobi, Kenya