2018-10-10 bankundzukunft public · banking mobile app 1 find available vehicles 1.get customer...
TRANSCRIPT
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isfinancial platform on cloud
Gamechanger (nicht nur) für mittelständische Institute
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knowis AG
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Gründung, Sitz 2004, Regensburg
Geschäftsmodell Softwareunternehmen
Produkt isfinancial Platform
Anwender 100+ Banken und Sparkassen
Unternehmensdaten
LandesbankElektronische KreditvorlagePapierfreie Entscheidungsprozesseim Corporates Kreditgeschäft
Digital journey corporatesÜbergreifende Kreditplattform für das Privat- und Firmenkundengeschäft
GroßbankMandantenfähige Prozesslösung für die qualitative Analyse von Jahresabschlüssen
Rechenzentrum
Referenzen (Produktivlösungen Corporates Credit)
FalkeWorkflowbasierte Analysen und Kreditgeneh-migungen im Spezialfinanzierungsgeschäft
Landesbank
Branchenexpertise
Die knowis AG ist ein auf Lösungen für das Bankgeschäft spezialisierter Softwareanbieter. Unser Fokus liegt auf der Realisierung von Digitalisierungsansätzen im Bereich des Kreditgeschäfts mit Firmen- und Gewerbekunden.
isfinancial ist als fachlich lösungsoffene Plattform auch für einen Einsatz in anderen Geschäftsfeldern einsetzbar.
In unserem Partnernetzwerk, bestehend aus Technologie-unternehmen, Beratungsgesellschaften und Implemen-tierungsanbietern realisieren wir inzwischen auch Digitalisierungsansätze jenseits des Kreditgeschäfts.
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Motivation Was Institute bewegtund uns begegnet…
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Digital Reinvention im Bankwesen
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Quelle: IBM Institute for Business Value – Die Zukunft bereits heute gestalten (2018)
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Channel Layer
Core Systems Layer
SoR SoR SoR SoR
Operational Data Infrastructure & MDM
Shared Business Components
Data Lake
Integration Layer
External Channels Internal Partner & Ecosystem
Mobile Internet Kiosk
White-label Offerings
CRM Credit
Technologie als Grundlage für eine erfolgreiche Zukunft
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Use Cases Fiction goes Reality
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2-Clicks-User-Journey
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Personalized Offer
Money Transferred to Merchant
Merchants’ ShopBank
1
Request Offer1. Gather external entity data2. Create prospect profile3. Calculate repayment details4. Register credit application5. Return credit offer
2
1
Accept Offer1. Trigger KYC check2. Onboard prospect3. Create credit report4. Trigger credit check5. Approve credit report6. Create loan account7. Disburse loan amount8. Return customer info
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• Increase market share in SME customer segment (nnnneeeewwww bbbbuuuussssiiiinnnneeeessssssss)
• Embed credit products in 3rd-party platforms
![Page 8: 2018-10-10 BankUndZukunft public · Banking Mobile App 1 Find available vehicles 1.Get Customer Information 2.Check employer agreement 3.Get available Bikes Request Usage 1.Request](https://reader033.vdocument.in/reader033/viewer/2022060306/5f09ab697e708231d427f28b/html5/thumbnails/8.jpg)
„No-look“ Balance Sheet Analysis
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Structured Balance Sheet
Risk related analysis process
Customer Portal
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Upload Balance Sheet1. Spread Balance Sheet2. Return Structured Balance Sheet3. Create Financial Statement
2
Balance Sheet Analysis1. Check Customer Exposure2. Determine Analysis depth3. Create Analysis4. Trigger Analysis Process5. Release Analysis6. Inform Credit Officer
2
1
• Reduce manual analysis effort
• Automate 80% of the low-risk analysis
Expert Workplace
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Share Economy - Mobility Account
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Banking Mobile App
1
Find available vehicles1. Get Customer Information2. Check employer agreement3. Get available Bikes
Request Usage1. Request vehicle usage2. Unlock vehicle3. Start usage count
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1
• Enhance User Experience
• Extend Value chain
Banking Mobile App
VehicleStop usage1. Lock vehicle2. Calculate usage fee3. Send Billing Information
3
4
Retrieve Billing Information1. Calculate provider charges2. Debit customer account3. Credit provider account
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Banking Mobile App
2
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isfinancial goes cloud Enablement einer
mittelständischen Bank
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Aktuelles Setup
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IBM Deutschland GmbHKunde
isf platform
DB2 on cloud IBM BPM on cloud
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WIN – WIN – WIN
• Kunde
• knowis AG
• IBM
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Ihr Ansprechpartner
Christian Sternkopf
VP Product Management
Mobile +49 175 291 3663
www.knowis.com