Bankway Deposit UpdateWhat’s New Now and Imagining the Future

May 24, 2017Eric Little, Product Manager

Disruptive Forces Impacting Our Industry

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• Big data

• Artificial intelligence

• Open service architectures

• Digital enablement

• Most banks are missing customer expectations

• Generational expectations

• Banks are slow and reactive

• Social network impact

• Direct banking model growth

• Speed to market challenges

• Foreign entrants in the market

• Fintech evolution (e.g. Peer to Peer Lenders,

mobile payment processing, etc.

• Non-banks providing banking services

• Greater consolidation

• Pressure on interest earning asset growth

• Margin compression

• Operating cost challenges

• CFPB

• FFIEC

• Opinion vs. regulation

• Uncertain political landscape

Innovation

Changing Customer Expectation

Conventional

Competitive Forces

Unconventional

Competitive Forces

Tighter Economics

Evolving Regulatory

Environment

Bankway commitment

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Regulatory Operational

Efficiency

Data

Protection

Bankway

Revenue

Generation

Scorecard

Roadmap

Release Notes

Integration Overview

Executive Summaries

Committed to communication and engagement

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CLIENT

PORTAL

Identify the enhancements that

matter most to your bank

Interactive tool to prioritize feature

implementation

Frames the Bankway

solution

By business need

Indicates FIS or strategic

business partner

Executive level view of

Bankway release

Strategic project

planning for next 18

months

High level project

summary

Updated quarterly Available two weeks prior

to release

All information related to

release

2017 Bankway Regional User Group Meetings

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Upper Midwest

Chicago, IL

Aug 8-9

Lower Midwest

Dallas, TX

Aug 24-25

Southeast

Birmingham, AL

Sept 13-14

Northeast

Philadelphia, PA

Oct 17-18

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2017 Enhancement Survey

FIS Bankway

Survey Selection

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• This list included some of the enhancement requests

that you or your peers submitted to FIS.

• A General Information Bulletin (GIB) was sent out in

March and April to all Bankway banks that listed the

final candidates.

All GIBs are

posted on the

Portal!

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Who Can Vote?

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EVERY registered Bankway attendee should have

received an e-mail with the link to the survey

Every registered Bankway attendee gets one ballot

and can vote for five enhancements

…even banks not in attendance receive one ballot

Where do you vote?

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Smart phone or tablet

If you have access to your work e-mail with the survey link

Bankway kiosk

Located in the Solutions Expo

When can I vote?

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• VOTING IS OPEN

• Closes at: 12:00 PM ET on Thursday

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Recent Enhancements

April 2016 IRB

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• Expanded search capabilities

– Enhancement survey winner

– Search now utilizes all phone numbers

• Secured transaction entry authority levels

– Provide ability to approve batches by dollar limits

– Provide ability that only allows batches to be approved

within an approver’s line of business.

2016.1 Release

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• Protecting your customer identification information

– SSN, EIN, drivers license, passport number, military ID, other Bankway ID types

– Information is masked on-line, available with the proper entitlements

View Tax ID Number (EN0825)

View Identification Number (EN0826)

– Bankway reports, CSi documents, and Product and Document updated to mask TIN

• Security desk improvements

– Provides the ability to delete job definitions

Delete Job Definition entitlement (EN0828)

– Bank Security Delete Job Definition (BSDEJD) set for Deprecation in future release

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2016.1 Release

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• Logging service ID

– Improves monitoring and mitigating risk

– Entitlement used will be logged in addition to current log data

– Updated common system security reports

– Updated online functions

Maintenance History

What I Did Today? (BT0051)

View Consolidated User Activity (CS9200)

Loan Ledger Card Display (LN0015)

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2016.1 Release

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• General ledger inquiry service

– Bankway enhancement survey winner

– Includes functionality for general ledger inquiry and general ledger historical balances tasks.

– Includes ability to update general ledger transaction descriptions

– Entitlements:

View General Ledger Account Information – Account History (EN0817)

View General Ledger Account Information – Historical Balances (EN0818)

Change General Ledger Transaction Descriptions (EN0819)

– Improved search capability to allow for searches over fiscal year-end

• General ledger transaction description expansion

– Bankway enhancement survey winner

– Expands the allowable description from 30 to 60 characters 15

2016.1 Release

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• FIS BizChex™

– Verifies the identify of commercial and small business customers

– Performs risk assessment

– Incorporated in Bankway’s risk and identity service

• Business eBanking (BeB) Positive Pay Advantage

– Real-time verification at teller line

– Bankway transactions

Cash On Us Checks (BT0003)

Certified Check (BT0006)

Checking Withdrawal (BT0021)

Cash Checks (BT0130)

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2016.1 Release

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• NACHA same day settlement

– Effective September 23, 2016 – receive and process same day ACH credits

– Excludes IAT, ENR, prenotes, returns, NOCs and transactions >= $25K, or future dated

– Bankway already posts credits

– Optional for a financial institution to offer origination of same day ACH credits

Added $.052 same day entry fee paid to the RDFI by the ODFI

– Configurable at the bank, originator, company levels

Effective date

Effective date and “SD” in the descriptive date field

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2016.1 Release

• NACHA same day settlement

– Automatically accumulate account analysis

D0DA92 – same day ACH credits

Originators must be set up in Bankway - ACH originators

(ACHORG)

– New ACH reporting for same day transactions

extracted

– Special testing feature

System operations (SOACTE)

0 – 09/22/2016 and earlier – before same day phase 1

1 – 09/23/2016 thru 09/14/2017 – same day phase 1

• Bank considerations

– Client pricing

– Updating ACH agreements

– Staff training

– Internet banking providers

• FIS community core solutions

– Will offer a consulting service focused on same day

ACH settlement

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September 2016 IRB

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• Consolidated negotiable instrument log

– New BSA desk feature, includes search capabilities

– Consolidated host information and batch report

– Accessible through A2i

– Cash amount

– Current negotiable instrument sales journal will continue

Updated with cash amount

• Health savings accounts (HSA) improvements

– Forms on features tab

Produce contribution, distribution, transfer request, transfer deposit, rollover deposit

– Contribution/distribution adjustments

New service – allow changing portion of an amount

View HSA code correction (EN0768)

Change HSA code correction (EN0769) 19

February 2017 IRB

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• Call report updates

– Modify the Deposit Class Summary Report to reflect new $250,000 threshold balance for time deposits

• Key word search for general ledger accounts

– Bankway enhancement survey winner

– Provides the ability to search for a general ledger account in Secured Transaction Entry by a keyword

• Secured transaction entry customer information

– Bankway enhancement survey winner

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What’s Coming!

April 2017 IRB

What’s coming!

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• Protection of customer information – reports

– Updates to Execuwriter, Query and A2i reports in preparation for the encryption of Customer Information

– Call Report Version 51

– Created new call report version for banks eligible to report using new format

– Updated General Ledger Maintain Call Report (EIMCA)

• Account hold service improvements

– STENTR holdover batch control

– An option to determine how long holdover batches are kept in Bankway

• Health savings accounts (HSA service charge)

What’s coming!

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• Bankway ID Scan (mobile)

– HTML5 device with a camera

– Now you can use the same HTML5 for ID Scan and for

Bankway SmartSign™

– AssureID - document ID authentication

– Support new scan device ID-150

• EZ Lookup

– Card swipe/PIN entry solution to look up your

customers in Bankway

– 10-key

2017.1 Release

What’s coming!

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• Phase 2, September 15, 2017 - same day debit

settlement

– Processing of same day debits will follow same day

credits

– New service activity will be available

D0DA93 – same day ACH debits

– Special testing feature (use in test environment only)

System Operations (SOACTE)

– 1 – 09/23/2016 thru 09/14/2017 – same day phase 1

– 2 – 09/15/2017 thru 03/15/2018 – same day phase 2

– 3 – 3/16/2018 and later – same day phase 3

2017.1 Release

What’s coming!

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• ACH Auto Loader

– Streamline operations

Automate manual process

– Supported on IBMi and Solaris platforms

– Database/region level setting

– User notice

• VISA account updater (VAU)

• Bankway/OLB positive pay and ACH

– Real-time updating

• CSi release

– Microsoft .NET framework version 4.6.2 required prior

to install of 2017.1 on all servers and workstations

• IRA contribution code late rollover

– New contribution code

– 2017.2 will address tax reporting

• Temporary EFT card limits

– New service

– Define start and expiration date

– ATM, POS, check card

2017.1 Release

2017.1 Release

What’s coming!

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• Teller exception for cashed checks

– Bankway Enhancement Survey winner

• Epson OmniLink

– Receipt printers designed for Citrix environments

– T70II-DT and T70II-I

• Digital Check SecureLink®

– Adds network addressability to scanners/printers

– Designed for Citrix environments

What’s coming!

• Tax reporting entity

– Provides the ability to select the tax reporting individual

• FinCEN beneficial owner

– Applicable to new accounts May 11, 2018

– Explicit customer due diligence requirements

Beneficial owner

Ownership prong

– New name to name relationships in Bankway

– Capture percentage owned/title

– New CSI and legacy forms

– PRIME extracts

• QualiFile™ data contribution

• Unauthorized return report

– Bank defined frequency, produced automatically

• Unauthorized entry fee service activity

– Unauthorized returned reasons include:

R05 (unauthorized corporate debit to consumer account)

R07 (authorization revoked by customer)

R10 (customer advises not authorized)

R29 (corporate customer advises not authorized)

R51 (item is ineligible)

Excludes

– R08 (payment stopped or stop payment on source document)

– IAT entries

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What’s coming!

• Transaction Desk – Unposted Items

– Unposted Item Repair

– All applications

– New entitlements – by application (view/maintain)

– Expanded search capabilities

– Credits, Debits, Deposits, Loans

• BeB positive pay automated returns

• Connections

– Bankway comment integration

– Prospect integration with new account desk

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Eric Little

eric.little@fisglobal.com