Efigence EFI 4
12. FUTURE STUFF FOR CLIENTS 12
14. 14 ALIOR BANK
16. 16 ALIOR BANK
1. EFIGENCE EXPERIENCE & EFI4 PLATFORM
3. ABOUT EFIGENCE 1 3
18. 18 ALIOR BANK
20. 20 ALIOR BANK
73. CARD & ACCOUNTS 73
74. HISTORY 74
9. NOW WINNING IS IN OUR DNA 9
13. EXPERIENCE 1 13
27. 27 MBANK
29. 29 MBANK
31. 31 MBANK
84. EFI4 ARCHITECTURE
33. 33 MBANK
35. 35 MBANK
40. 40 IDEA BANK
79. SSO / LOGIN 79 Simple login to all modules & features.
44. 44 MBANK
48. 48 FISERV
81. TECHNOLOGY 3 81
37. 37 EMIARATES NBD
75. USER PROFILE Customer Centric design of Digital Banking settings and messages centre. 75
76. TRANSFERS BEST IN CLASS 76 Simple flows with masked complexity.
78. PFM TRENDS 78 Trends on each category are decreasing the complexity of history.
92. EFI4 MODULES 2 92
25. ALIOR BANK RESPONSIVE WEB DESIGN 25
46. 46 ETX CAPITAL
85. LOGICAL ARCHITECTURE 1 85
4. WE STARTED IN 1995 AS A DIGITAL MARKETING COMPANY 4
5. NOW THE FORCES OF CREATIVITY AND TECHNOLOGY ARE COMBINED 5
50. COMING SOON 2 50
52. UI/UX PROCESS 3 52
8. 8 OUR PROJECT WITH MBANK WINS FINOVATE 2013
42. 42 IDEA BANK ONLINE BANKING IMPLEMENTATION
102. SOFTWARE DEVELOPMENT LIFE CYCLE 3 102
103. 103 MODERN SOFTWARE DEVELOPMENT LIFE CYCLE 103
49. FISERV MOBILE BANKING & ONLINE BANKING PFM 49
56. EFI4 DIGITAL BANKING PRODUCT
77. PFM BUDGETS Advice - based budget recommendation. With one click you can start personalized challenges. 77
69. ACROSS ALL DEVICES RESPONSIVE WEB DESIGN 3 - breakpoint RWD approach to different devices WCAG accessibility 69
7. 7 FINANCE AWARDS CREATIVE AWARDS 12 + 95
51. 51 NEW DEVELOPMENTS COMING SOON
22. ALIOR BANK NATURAL LANGUAGE LIVE SEARCH Suggestion s while searching for loans 22
11. POLISH BANKING MARKET 11 9 out of top 10 banks are Efigence clients
57. http://www.efigence.com/efi4 / 57 Please watch our EFI4 demo online
23. ALIOR BANK PERSONALIZED ONE - TO - ONE COMMUNICATION – RETARGETING 23
93. § JMS/MQ = Synchronized real time products parameters § Efi4 Cache for products, and accounts balances § Granted Access to products even with ESB communication down PRODUCTS MODULE
10. Marek Lesiak / CEO Andrzej Szewczyk / VP Pawe ł Haltof / MoB MANAGEMENT BOARD 10
66. NEXT GENERATION PFM FEATURES • PFM support & suggest (best choice, best savings, best advice) • PFM advices are distributed across banking • Covering all standard PFM modules: categorisation, trends, budgets, cash flow 66
67. NEXT GENERATION PFM FEATURES • PFM support & suggest (best choice, best savings, best advice) • PFM advices are distributed across banking • Covering all standard PFM modules: categorisation, trends, budgets, cash flow 67
68. NEXT GENERATION PFM FEATURES • PFM support & suggest (best choice, best savings, best advice) • PFM advices are distributed across banking • Covering all standard PFM modules: categorisation, trends, budgets, cash flow 68
43. GLOBAL AWARDS – BAI AWARD FOR IDEA BANK DISRUPTIVE INNOVATION IN BANKING
61. PSDII READY 61 § Easy UI ready for aggregation and upcoming PSD opportunities § Upselling for aggregated data for different account § Additional summary of wealth for aggregated accounts
72. WEBANALITICS TOOL DATA - DRIVEN MANAGEMENT (COMING SOON) 1. Full & secure aggregated data 2. Management tools for insights and improvements 3. Test A/B 72
65. EASY TO USE SELF - SERVICE CONTENT MANAGEMENT 65 § Self services web - forms creators § Asset management § BPM workflows integration
97. § MQ transaction feed categorization § API for real time synchronous transaction categorization § API for manual user categorization § Global and user specific categorization models TRANSACTION CATEGORIZATION MODULE
63. TAILOR MADE UX - BE UNIQUE OR DIE 63 § Specific to banks needs and strategy § Align to digital transformation projects § Using Scattered Design technique
70. MOBILE APPROACH RWD & MOBILE BANKING APP 1. Digital Banking Platform – online Responsive Web Design (desktop - tablet - mobile) 2. Mobile Banking hybrid applications (iOS / Android) 70
98. § Auto - budgeting based out of categorization category structure § Budget limit generator (out of past transactions) § Auto planning future budgets (manual user modification enabled) § Notifications API (e.g. Budget exceeded) BUDGET MODULE
99. § Mapping saving goals to banking products § Auto Payments or Standing Orders (enabled and managed via PFM or CBS Payment) § Notifications (e.g . Incoming transfer date) § Back office module to predefine default saving goal SAVING GOALS MODULE
100. § Configuration Management § Manageable publication workflow for configuration change § Frontend widget management § ACL Management (AD/LDAP integration) BACK OFFICE - MAGNOLIA CMS
60. SMART HOOKS & FORCASTER LONG - TERM PLANNING 60 § Non invasive question about lifestyle & events § Conversational way of thinking and natural language communication § Smart selling technique using customers needs – not only form PFM/data
64. SEAMLESS JOURNEY FROM PUBLIC TO BANKING SELLING 64 § Seamless journey connection Portal & Digital Banking into powerful targeted upselling tool § Contextual login with prepopulating forms and preapproved data integration (RTM/CRM) § Connecting public site with secure with data - driven connection
94. § Efficient transactions index § Semantic search § Flat files back - up (enables reindex ) § Streaming transactions from MQ § Historical transactions archive TRANSACTIONS HISTORY MODULE
107. Marek Lesiak CTO & President Andrzej Szewczyk Managing Director & Vice President Pawe ł Haltof Innovation Director & Board Member
95. § Transaction history index § Products and Parameters indexes § Messages index (communication bank < - > user) § Offers and new products index (global & personalized) § Address book index GLOBAL SEARCH MODULE
17. ALIOR BANK MOBILE BANKING DEVELOPMENT Efigence deliverable: § iOS and Android development of applications § Design for mobile UX/CX § Instant “passbook” with scalable cards § Biometric authentication § Build in invoice scanner for quick payments § SLA agreement 17
80. WEBANALITICS TOOL DATA - DRIVEN MANAGEMENT FOR BANKS OMNICHANNEL DATA § Aggregated full sample of data from mobile, www, apps and others § Security compliant § Analytics tools for sales and operational insights, reports and monitoring § Test A/B § Connection with external data sources (CRM, BI, RTM, AI) 80
101. Application Server (4 pcs) 2 x E5640 16GB memory 2 x 300GB 10k RPM Search / Elastic / Spark ( 5 pcs) 2 x E5640 64GB memory 2 x 300GB 10k RPM Database Tier (2 pcs) 2 x E5640 32GB memory 4 x 300GB 15k RPM SCSI CAPACITY PLANNING
32. MBANK E - COMMERCE MULTI - SEGMENT PORTAL Efigence deliverable: § Rebranding and new UI/UX design after merge of BRE/Multi/ mBank § New Customer Journey Design for better conversion § New product & category site design 32
71. SIMPLIFYING PROCESS & FLOWS 71 Best in class transfer webform – based on our several years experience with most innovative banks in the world • Live search for beneficiaries • Masked complexity • Default inputs for quick process • Predicting cyclic payments list • Upselling with cash flow contextual insights • Best in class UX/UI
96. § Data Aggregation: § Past transactions § Past events (e.g. Card limit change) § Future & planned payments § Estimated payments (based on past data algorithm) § Financial data visualization § Enabled integration with additional sources (invoices, spending, etc .) CASHFLOW MODULE
59. GO BEYOND USER EXPECTATION 1. Using banking data to estimate situation (Cash - flow preview) 2. Advices form aggregated data (PSD2 overview) 3. Predicting future using outside banking insights ( sharthooks question gathering new information about needs) 59
62. PERSONALISATION RULE - BASED SYSTEM 62 § Self - service online Personalisation system § Better upselling and Customer Experience = One - to - One Communication
104. CO - DEVELOPMENT & CONTINUOUS INTEGRATION 104 For best effects we recommend to run single Continuous Integration environment for Efigence’s and Bank’s own development teams. • Single GIT repository accessible to all developers. • Code - review ( phabricator ) • Automated testing (Unit tests and end2end) • Static code analysis (Sonar) Efigence delivers ready to dev environments supporting all above processes and tools. Those can be used as a part of a project.
45. MBANK COMPANYNET Efigence deliverable: § UI/UX design of transaction system for corporate customers § Frontend development support § Design of navigation, look & feel, redesign of processes and tools § New transaction process, simplification of complex webforms to seamless & convenience journey § New module design for FX / accounts / depo modules, user & company management 45
53. 53 OUR DESIGN PHI L OSOPHY Agile research Meaningful motion Seamless c ustomer j ourney Competitive a dvantage design Conversion f ocused design Communication by design
47. ETX CAPITAL UK GLOBAL FOREX E - COMMERCE DESIGN § Global rebranding – new communication strategy for the global ETX brand § New device agnostic RWD cu st o mer j ourney conversion paths § Real Time Marketing design and communication strategy 47
55. UCD VISION UIUX (PDP) GRAPHIC DESIGN (PDP) UIUX USABILITY TEST GRAPHIC DESIGN INTERACTION DEVELOPMENT Project definition approx . 2 - 3 weeks 1st Phase approx . 3 - 6 months SCATTERED DESIGN PROCESS 55
30. MBANK FOR SME DIGITAL BANKING EXPERIENCE DESIGN Efigence deliverable: § UI/UX design of transaction system for SME customers § Bookkeeping applications fully integrated with digital banking ecosystem § Special task - based bookkeeping dashboard § 10 sec instant invoicing § Income & costs with analytics, live search and invoice scan attachments § Registry of expenses § Contractors book with analysis of cash flow 30
26. new loans ( + 1700 loans ) new current account opening ( +1233 current accounts ) new mortgage loans (+ 375 mortgage loans per month ) +92% + 82% + 188% 26 ALIOR BANK E - COMMERCE TARGETED EXPERIENCE PLATFORM
89. ESB Bank's systems Legend E fi gence's applications Bank's applications Internet banking (backend application) RWD application Mobile / Tablet banking REST / Push REST / Push Index DB MQ § Different integration options: REST, SOAP, flat files § MQ / JMS as a transport layer for events and transactions § Unified API REST for frontend apps EFI4 – LOGICAL ARCHITECTURE
83. 83 NETWORK OPERATION CENTER 24/7/365 10M+ 10GE We provide 24/7/365 phone & email support Independent datacentre with 10Ge connections More than 10M+ unique - users traffic monthly More than 400 physical servers 400+
106. years of experience view of l eading technology & UI/UX design p roces s of project management awards on the i nternational stage people with knowledge & experience 21 360 ° Unique Awards People 106
87. EFI4 – TECHNOLOGIES http / servlet (Tomcat / Jetty) Administration Magnolia CMS Frontend layer Angular.js Entity editors Entity DAO WebCache efiCore / OSCache / JGroups Web MVC Springframework MVC Job Scheduler quartz Integration CXF / MQ Search Object Cache JGroups Object-Relational-Mapping Hibernate Database Oracle / PostgreSQL Static Repositories local / GFS / NFS Search indexes / Elastic EFI4 – TECHNOLOGIES
21. Efigence deliverable: § Magnolia CMS implementation as one stop - commerce platform § Made available to 2.5M customers § Personalised, desktop/mobile RWD and targeted experience § Contextualised and personalised sales tools integrated with the CMS platform § A portal with Google - like natural language search (live search, live suggest) https:// youtu.be /o_M - Hn88J7Y ALIOR BANK E - COMMERCE TARGETED EXPERIENCE PLATFORM 21
41. IDEA BANK SME DIGITAL BANKING WITH BOOKKEEPING Efigence deliverable: § A comprehensive environment for enterprises, which consists of internet banking, bookkeeping application, cash flow analysis tool, virtual branch and many more. § Concept , UIUX, GUI, front - end & backend implementation, integration with ESB, maintenance § Video banking with secure real - time service § Full implementation, maintenance, licence - JEE platforms § BAI award winner. Watch the demo https:// youtu.be /9waftDpkpFw 41
38. EMIRATES NBD DIGITAL BANKING FRONTEND Efigence deliverable: § UI/UX design for revamp of transaction system for over multinational customers § MVC application in Angular.JS integrated with API provided by the backend software § 800 new UI/UX wireframes and flows optimisations § Design of instant live search, modern PFM , budgets and trends § Design of e - commerce one stop shop 38
39. EMIRATES NBD VIDEO BANKING DESIGN Efigence deliverable: § UI/UX design for revamp of transaction system for over multinational customers § MVC application in Angular.JS integrated with API provided by the backend software § 800 new UI/UX wireframes and flows optimisations § Design of instant live search, modern PFM , budgets and trends § Design of e - commerce one stop shop 39
15. ALIOR BANK DIGITAL BANKING FRONTEND CX Efigence deliverable: § Development & design of transaction system for over 4M customers § Responsive Web Design approach to UX/CX § MVVC application in Angular.JS integrated with API provided by the backend software § Design of instant live search, instant loans, setting and investment, products and transactions § Payments centre § E - commerce shop integrated with one - click process 15
86. EFI4 – INTERNET BANKING FACADE 86 Channels ESB Core Banking System SWIFT Card Processor Credit Bureau 3rd parties Legend E fi gence's applications Bank's applications CRM DMS Product factory Risk Mgmt. System Scoring system Reporting Other Bank's systems Internet banking (backend application) RWD application Mobile / Tablet banking
90. EFI4 – MICROSERVICES Historia transakcji Produkty Ksi ąż ka odbiorców CMS Ustawienia Autoryzacja MQ / API Gateway http http http http http http Modu ł Y Modu ł X Address book Products Settings Transactions History Authentication Module Y Module X
36. MOKAZJE MERCHANT - FUNDED REWARD ECOSYSTEM Efigence deliverable: § The first European money - back Merchant - Funded Offer Ecosystem § UX/CX design & development .Net application with full digital banking integration, available also inside the digital banking § Integration with digital & mobile banking application (Location - based offer targeting and personalization) § Easy - to - use interface 36 Over one million clients and 200+ business partners
28. MBANK DIGITAL BANKING WORLD - CLASS DESIGN Efigence deliverable: § UI/UX design of transaction system for over 4,5M customers § MVC application in Angular.JS integrated with API provided by the backend software § 400 new UI/UX wireframes and over 200 new features designed § Implementation of personalized loyalty platform ‘ mOkazje ’ with geofencing technology § Design of instant live search, g amification , facebook integration, PFM, budgets and trends § Design of e - commerce integrated with one - click process 28
19. ALIOR BANK (PL & INTRATIONAL VER.) CURRENCY EXCHANGE WITH DIGITAL BANKING Efigence deliverable: § Next - generation currency exchange experience design § Customer - centric interfaces on desktop and mobile applications § Features designed for automatic currency buy/sell transaction orders § Development of a JEE online platform integrated with banking systems § D elivery in six m onths § Day - to - day maintenance and continuous development Watch the demo http:// youtu.be /ujp3bRkr - 0Q 19
6. 2012 2013 2014 HISTORY OF INNOVATION 6 1st Polish automatic c urrency ex change t ool implemented for a bank 1st European implementation of a transaction - driven merchant discount offer system on smartphones with multiple geolocation scenarios 1st European i nternet banking platform combined with an accountancy system and Business Finance Manager Efigence among The Fintech 50 Most Innovative Fintech Start - ups
34. MBANK THIRD - GENERATION MOBILE BANKING Efigence deliverable: § A next - generation fully mobile banking experience for 1M+ Users § “ Spendometer ” – personal trainer for your financial life § An easy - to - use interface on main platforms : iOS and Android, integrated with mobile marketing & CRM § An application with unique features: Touch ID, software token with desktop, Android Pay integration § A new service interface design mobile one - click E2E scenarios § Transforming advanced PFM banking functions to simple mobile usage 34
54. TECHNOLOGY BUSINESS UX ONE TEAM 54 I T Architects Core B anking IT S pecialist s Technical R equirement W riters Security E xperts IT Developers IA D esigners UI/UX D esigners Interactive A nimation E xperts UX Re searchers UI/UX S trategist s and A nalysts Business A nalysts Requirement W riters Product M anagers Brand Ma nagers Field Sp ecialists
91. SSO Pro fi l klienta / ustawienia Centrum wiadomo ś ci Krajowe Zagraniczne US ZUS Facebook SMS E-mail Pay-by-link Przelewy Produkty Rachunki Lokaty Kredyty Karty Fundusze Modu ł y g ł ówne Wyszukiwarka globalna Ksi ąż ka odbiorców Historia Pozosta ł e modu ł y Cash fl ow Kategoryzacja Shadowing information EFI4 – CORE MODULES EFI4 – CORE MODULES SSO User Profile / Settings Global Search History Domestic Foreign Accounts Deposit Tax Social Insurance Loans Cards Investments Funds Contact / Message Centre Cash flow Categorization Address book Shadowing information Additional modules Products Transfers Main Modules
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