INTELLECT

DIGITAL BANKING
Accelerating Primary Bank Aspirations
Digital 360. Real Time. Context Aware

www.igcb.com

Accelerating Primary Bank Aspirations

Digital 360. Real Time. Context Aware
BANKS ARE SHACKLED BY COMPLEXITY 8 KEY ELEMENTS OF AN
EFFECTIVE DIGITAL 360 STRATEGY
stomer mindset; From C
t in cu to Experiential Banki onvenienc
Shif ng e

hs DELIGHTFUL BUSINESS LEAN DRIVING

igtec co
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B bo re EXPERIENCE AGILITY OPERATIONS INNOVATION
ile ra ak
ag tin in
g gB
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e Lack of
bl Real Time and
th un
im 3r da
N Integrated views Inaccurate & d ri
Prolonged pa • Onboarding through customers • Digital Bank in a box • Orchestrate processes & • Conversational Banking
e

inconsistent

es rtie
th

Product launch preferred channel workflows and straight through enabled by Chatbots & Alexa

;S s&
• Launch new products –
m

reporting processing
milestones

ea
fro

• Elevated experience across all persona based banking • Powered by contemporary

m Ma
access and touch points • Ensure banking talent serves the technology such as Artificial
at

le rk
• Product bundling and customer rather than back office Intelligence & Machine
re

ss et
• Intuitive Apps to empower relationship based pricing Learning
Th

ly pl
High cost customers with more DIY tasks • Reduced EOD / EOM
Inability to deliver
maintenance
tailor made

ac
& support
solutions

e
s
nkin uch a

Ado ML ; D
AI &
g
s

Disparate Inaccuracy in TOTAL

RISK REGULATORY
GDPR, PSD2 & Op ements

product engines Data extraction IMPLEMENTATION

ptin
COST OF
& channels and migration MITIGATION COMPLIANCE CERTAINTY
en Ba

OWNERSHIP

g con ing hyper efficiency

Evolving regulatory requir

riv
tempora
• ML based Credit Risk Analyst • PSD2 & GDPR Ready • Reduce cost to income ratio, • Pre-configured model bank
technology cost per customer
• Inbuilt risk scoring models • Seamless 3rd Party and cost of regulatory • Data migration accuracy

ry technology,
Rigid Technology; for greater decisioning & Integration with compliance
Poor support & increased accuracy Open API's • Leverage service oriented
Monolithic architecture for smooth
Architecture training • Frugal technology infrastructure
integration and standardization

1
INTELLECT’S HIGH IMPACT POWERFUL DIGITAL CORE
DIGITAL 360 APPROACH PROPOSITION
Digital Outside

“Digital Outside” is about looking into Open Banking Digital Model Bank
the bank from the outside. This is what • 280+ APIs for Digital Banking • Fully integrated product suite
• Plug ‘n’ play with 3rd party across Core, Lending, Trade
the Customer Experiences.
solutions Finance & Treasury
• Partner ecosphere with fintechs • End-to-end Integrated Lending
Suite across LOS, LMS & Collect

6 1 Digital 360 (Digital Inside,

Digital Outside)
Product Customization • Digital Channels: Digital Branch,

5 2
Internet, Mobile
• Product Configurator
• CBX 18.S for Contextual
• Pricing Engine Banking eXperience
• Pre-configured Products • Apps for retail & corporate
banking across Digital LOS,
Collect, Card services etc.

4 3
Digital Inside • Real-time online GL

“Digital Inside” is about looking inside

the bank and also how that affects the Robotic Process Automation Machine Learning & Analytics
“Outside”. This is about Operational • Bots-enabled customer • ML-based Credit risk analyst for
Excellence. E.g. Workflows, Straight onboarding comprehensive credit checks
Through Processing (STP) etc. • Alexa integration for • Cross sell/Up sell using predictive analytics
conversational banking • Customer 360° view
• Chatbots for virtual assistance • Role-based dashboards

2 3
 POWERFUL 9T DIFFERENTIATORS
Time to Cash

Time to Diagnose
5 Time to Respond

4 6
Time to Scale

3 7
Time to Sell

Time to Market
2 8 Time to Adopt

DESIGNED AROUND THE POWERFUL Time to Onboard 1 9 Time to Transform

9T DIFFERENTIATORS, INTELLECT CAN

ACCELERATE YOUR BANK'S DIGITAL BANKING
AND CHANNEL TRANSFORMATION JOURNEY
5
9T DIFFERENTIATORS
DESIGNED FOR DIGITAL

1 2 3 4 5 6 7 8 9

TIME TO ONBOARD TIME TO MARKET TIME TO SELL TIME TO DIAGNOSE TIME TO CASH TIME TO RESPOND TIME TO SCALE TIME TO ADOPT TIME TO TRANSFORM

DIGITALLY ENABLED PRODUCT INNOVATION 360º & REAL TIME ONLINE GL & ANALYTICS INTEGRATED LENDING ALWAYS ON LOWER TCO IMPLEMENTATION CERTAINTY DATA MIGRATION

• Fully integrated • App based product • App based retail & • Easy set up of GL • Integrated lending Suite with • 99.9999% Uptime • Open Banking • Delivery Excellence • Zero Data Migration
product suite – Core, configurator corporate banking Origination, Loan Mgmt. & Framework across Biz, Errors
• Multi Level GL structure • No downtime for EODs • Up to ~25% lower TCO
Lending, TF, Treasury • Micro segmentation • Open/API Banking -Sales, Limits Ops & IT • Identification & Timely
• Branch wise control on • EOD time < 20 minutes. • Frugal Requirements
• Seamless User Service & Teller Apps • BRE for Credit Scoring & • Pre-configured Model Bank Resolution of Data
• Multi dimensional product General Ledger • Look-Ahead Processing • Linux / Intel H/W
Experience designing • Cross Sell and Up Sell Decisioning • Best in Class Train the Migration Error
• Monitoring Branch, Region (LAP) reduces EOD needs • As low as 64 Kbps
• Offline Capability • Card services apps & • Flexible workflow for faster TAT Trainer Modules Categories & Patterns
• Business Rules and Channel Level • Pre-certified for very high
Wallets • Light-weight screens • Proprietary tools using
• Strong Authentication • Pre-configured product profitability • Configurable Loan Mgt. for scalability (3,000 TPS) • API Banking
optimize bandwidth in-house Hub
& Authorization • Conversational Banking • In-built reconciliation quick Go to market • Pre configured Regulatory
• Rapid Launch across utilization Technology
• Bots enabled using Alexa and • Flexible Repayment Schedules packs
channels • Real-time Customer 360 & • Plug-n-Play Cartridges for
customer on-boarding Chatbots – anywhere • Data cleansing control
• Bundling & Pricing Flexiblity Profitability view • Collector apps Integration with 3rd Party
& Fraud Validation assistance with audit trails of all
through Product Configurator • Advanced Analytics • Credit Risk Analyst Systems changes
• Digital LOS apps • CBX 18.C for contextual
and Pricing Engine platform – Regulatory &
banking experience
Marketing

6
10 7
 BANK’S SENIOR
EXECUTIVES
CIO / CTO CHIEF RISK OFFICER BUSINESS HEADS COO CHIEF INOVATION OFFICER

• 3600 degree view for up-sell and cross-sell • High cost of compliance • Provide superior customer experience • Increased Cost of operations and TAT • Inability to drive innovation with legacy
• Scalability to meet increasing transaction • Monitor Risks Centrally across all channels • Weak Business Process and workflow technology
volumes / business complexity • Real time view of funds position • Reduce time to market to launch products • Huge gap in customer expectations
PAIN POINTS • De-centralized operations

FULLY INTEGRATED
• Reduce Total Cost of Ownership • Respond quickly to regulatory • Win more wallet share and increase revenue • Training and Change Management • Difficulty in adopting to new technologies
changes

DIGITAL BANKING
SOLUTION • Digital Branch
Accelerating Primary • Internet Banking
•
•
Branch on a Tablet
CBX Portal
• Mobile Banking
Bank Aspirations • Conversational
• BOTs enabled
Banking (Chatbot)
Banking (Alexa)

DIGITAL OMNICHANNEL ACCESS

Core Operations Lending Cards Payments Wealth Trade Finance Treasury

10 20 30 40 50 60 70
11. Customer Onboarding 21. Origination 31. Origination 41. Clearing Payment systems 51. Customer Acquisition 61. Letters of Credit 71. Front/mid/back office
12. Term/Recurring Deposit 22. Lending - Unsecured, 32. Card Issuance 42. Digital payment systems 52. Financial Planning 62. Bills 72. Branch Position Integration
13. Remittance Mortgage & Commercial 33. Merchant Acquisition 43. Cross Border Payments 53. Transaction Management 63. Collection 73. Resource Mobilization
14. Teller Management 23. Leasing 34. Loyalty Management 44. Wallet 54. Leveraged Investment 64. Guarantees 74. Fund Management
SOLUTION 15. Payments 24. Securitization 35. Fraud Early Warning 45. Cards-Travel/ Pre-paid/Gift 55. Portfolio Management 65. Trade Loans 75. Limits & Control Framework
16. Current/Savings Account 25. Syndication System 56. Revenue Management 66. Reimbursements 76. Risk Management
17. Product Configurator 26. Commercial Lending 36. Customer Service 57. Reporting 67. Supply Chain Financing 77. Stress Testing
18. Pricing Engine 27. Debt Management 37. Securitization 58. Relationship Management 68. Factoring/Forfaiting 78. Portfolio Management
28. Collateral & Limits 38. Receivables Management 59. Risk & Compliance
Management Management
29. Dealer Financing
29 .Credit Risk Analyst

Enterprise General Imaging and Identity Fees and Customer Anti-money Regulatory
Recon Ledger Documentation Management Analytics Charges Communication Laundering and Compliance

BACK OFFICE
9
DIGITAL DIGITAL
BANKING BANKING

10. CORE
OPERATIONS
WOULDN’T IT BE
GREAT IF YOU COULD...

Become the primary bank of your

customers
20. LENDING Comprehensive lifecycle
management of dealer funding
with dynamic draw-down and
WOULDN’T IT BE
GREAT IF YOU COULD...

Get in-principle loan approval in

3 minutes

Provide a comprehensive 360 degree limit management capability; Have a uniquely designed debt
seamlessly integrated with
customer view & portfolio summary Collateral pooling and leveraging Collateral Management module
management solution inbuilt with
of multiple asset classes across Agile credit origination features like agent allocation and
diverse lines of business for process ensuring reduced
Offer the right price to the right better control on credit exposure data entry, elimination of customer scorecards to protect and
Rapidly design, clone and
modify products with
Comprehensive enterprise customer with progressive pricing and stronger risk reporting
29 data silos and faster credit maximize the bank's revenue
wide solution enabling decisioning with an
flexible pricing options. frictionless onboarding of models and innovative product bundles 28
DEALER
improved TAT of over 40%
Transforms business from FINANCING
'transaction centric' to
multiple entities across COLLATERAL 21 Have a powerful solution that will
divisions of the bank & LIMITS
'customer centric'
MANAGEMENT
ORIGINATION allow faster decision making with the
help of pre configured workflows and
Manage complex debt scenarios business rules
Rated as a Leader for 7 years in a row in with appropriate collection
Uniquely designed products
with multi level reporting
CURRENT/ CUSTOMER
SAVINGS ACCOUNT ONBOARDING Gartner Magic Quadrant for Global strategies for higher productivity,
lower delinquency, better credit 27
22
UNSECURED,
and analytical capability
enabling instant credit
Retail Core Banking rating, higher capital adequacy DEBT
20
MORTGAGE &
COMMERCIAL
decisioning and disburse-
and lower borrowing cost MANAGEMENT ment. Risk control at every
LENDING LENDING
16 11 The only complete end-to-end digital banking step with the help of
restructuring and real-time
Designer loans for the discerning
suite that enables a deep understanding of the monitoring of loan portfolio customer. Loan approval in 3 minutes!
Secure and flexible
platform with a modular 10 Enables a bank to design customer, ensuring longevity and a larger share 26 A comprehensive Loan life-cycle
TERM/ and innovate highly 23
approach facilitating PAYMENTS 15
CORE 12 RECURRING customized deposit of customer wallet! Dynamic and real time commercial
COMMERCIAL
LENDING LEASING Unmatched coverage of all Management System that drives deep design
global payments, reducing leasing needs of the bank
risk and increasing
OPERATIONS DEPOSIT
products across a range
of customer profiles
loan portfolio management for
small medium and large ranging from auto, commercial differentiation by addressing the lending
efficiency/ STP enterprises covering products like and IT equipment. Scalable
technology platform with MIS
levers of Personalization, Reach, Risk
Trust Receipts, Working Capital
Loan, Short Term Funding,
25
SYNDICATION
24 capabilities enables banks in Optimization and Speed.
14 13 Equipment & Fleet financing SECURITIZATION their financing decisions

Enables front office moderniza- Maximizes efficiency with the

tion and superior customer ability to process more than Comprehensive solution Seamless life-cycle support with
service with the help of context TELLER REMITTANCE 5 million remittances per day ensuring complete syndication a highly flexible asset selection
sensitive and pre emptive MANAGEMENT with powerful in-built across loan lifecycle with capability to manage loan
workflows. Maximizes efficiency reconciliation capabilities real-time updates; supports portfolio. Multi level drill down
by servicing 10,000+ tellers and participant maintenance, reporting helps identify and
improving TAT at the branch differential pricing and manage risky asset portfolios
counter by 30 percent individual cash flows

10 11
 DIGITAL DIGITAL
BANKING BANKING

30. CARDS Strong bottom line and exposure control with

flexibility to handle as high as 28 billing cycles
in a month with a peak transaction volume of
more than 10 million transactions per cycle
WOULDN’T IT BE
GREAT IF YOU COULD...

Offer retail customers innovative and

competitive credit products with a
single card account relationship
40. PAYMENTS CLEARING PAYMENT SYSTEMS
Provides Inter-connectivity between clearing systems,
enables domestic payments and minimizes time
between the promise of payment and actual
WOULDN’T IT BE
GREAT IF YOU COULD...

Offer your customers a variety of money

transfer options at their finger tips

movement of money. Instant plug-ins for most Assure your customers of 100% secure
Issue cards instantly by having country payment systems, Electronic funds transfers, payments and instant transfers
Automated Clearing Houses and Real-time Gross
RECEIVABLES De-risked and agile
seamless credit appraisal process Settlement. Enables banks to upgrade their payment
Seamless life cycle support MANAGEMENT credit segmentations infrastructure instantly.
with comprehensive
securitization capabilities
with an ability to
process complex
Increase organizational agility by
to support bank's alternate SECURITIZATION 38 credit policy models, reducing time to integrate with internal A complete payment suite that can be
funding requirements ORIGINATION 41
such as Application product processors (IPPs) and external
and Behavioral scoring
product processors (EPPs)
integrated with any core banking
DIGITAL PAYMENT SYSTEMS
37 31
Easy to install custom built Apps
solution. It caters to all kinds of customer
CARDS-TRAVEL/
provide faster integration with
Digital payment systems across
needs, from low value to high value
Instant card
Launch new payment schemes quicker PRE-PAID/GIFT
A comprehensive
the world. In-built APIs that transactions, domestic and cross border
issuance on
Provide superior
levels of demand. than before! pre-paid card offering
45 42 integrate with any core banking
system for easy migration of bill
payments, Card and e-wallet transactions,
customer service
CUSTOMER 30 CARD Increased to cater to various
segments of customers 40 payments from cash to electronic Clearing and Swift solutions
through single
view relationship SERVICE
36
CARDS 32 ISSUANCE
efficiency in
card issuing
Highly scalable and cost efficient system, and various utilities. PAYMENTS
& Digital channels.

management and strategy with benchmarked for supporting 10 million cards,

inbuilt powerful
24x7 customer
service across all chip 12 million transactions and 1000+ concurrent
channels personalization
configurations
users.
33
A global real-time payments hub platform CROSS BORDER PAYMENTS
35 Single system for multi-currency and
designed to orchestrate and process multiple 43
multi-channel payment processing
44
FRAUD EARLY
34
MERCHANT payment types such as Fedwire, SWIFT, enables financial institutions to securely
transmit outgoing and incoming wires
WARNING
Proven and well defined
early warning framework SYSTEM
ACQUISITION Robust acquisition
framework with
CHIPS, SEPA, RTGS or a low value clearing WALLET
with very high rates of STP & minimal
user intervention. The system has the
to manage and control
LOYALTY
sophisticated merchant network. Intellect systems helps banks take
business-consumer relationship swiftly
ability to do Office of Foreign Assets
cards business risks pricing. Efficient merchant control (OFAC) and black list checks on
MANAGEMENT promotions enabling digital. Intellect e-wallets use disruptive
all parties in the payment cycle ranging
acquirers to run multiple technologies that help banks offer secure
from remitter to beneficiary to
merchant discounts in a and efficient systems and innovative cardless
intermediary institutions using Intellect
month, as low as a single offerings to their customers. It provides
VIGIL (or through any other industry
Versatile loyalty management system hour in a day seamless transfer of funds from multiple
standard AML)
for launching innovative sources. Its a one stop solution for all utility
schemes and flexible reward bill payment needs & merchant payments
management to improve customer and is readily available on cloud.
retention and influence top-line growth

12 13
 DIGITAL DIGITAL
BANKING BANKING

50. WEALTH RISK &

COMPLIANCE
MANAGEMENT
End to end
compliance with
WOULDN’T IT BE
GREAT IF YOU COULD...

Have a higher conversion ratio and

larger mindshare of prospects
60. TRADE
FINANCE
WOULDN’T IT BE
GREAT IF YOU COULD...

Enable a centralized control for

handling all information at one place &
make international commercial
anytime tracking
Assess customer’s risk profile to make activities more efficient
and robust informed product recommendation
PORTFOLIO exception
MANAGEMENT management
Advanced inquiry to Have a finance module that interfaces
view the complete
Analyze performance, Empower the customer to leverage his lifecycle of guarantees to all satellite systems in the Trade
LEVERAGED attribute it accurately, Fund trade
INVESTMENT simulate alternative 59 investments without risk for the bank resulting in a dramatic transactions with Finance landscape
Complete control on reduction in manual flexible and
approaches and
FINANCIAL exposure, with a Complete intervention and effort short-term
recommend new
PLANNING real-time view of risk, combinations
management of duplication borrowing facility View the complete lifecyle of the bill/
documents and
Generate a enabling informed
Effective conversations for informed payments under Effective handling documentary collection
customized and margin calls and
55 collections to of payment
tailored plan
addressing clients
overall performance
enhancement decisions in the Digital age! your customers GUARANTEES TRADE LOANS claims under LC
desired goals
ensuring the 58 RELATIONSHIP Intellect Wealth helps accelerate two major Complete
MANAGEMENT
customer would not
hesitate to adopt it
54
Track customer shifts in Wealth Management: end-to-end lifecycle COLLECTION REIMBURSEMENTS Robust design
ensuring scalability
With the formidable Intellect 3rd generation
interaction for the management of
as his own
right intervention at 1. Transition from Wealth Management to bills. Enhances end and extendibility. Corporate Banking Exchange (CBX) portal,
Aimed at raising
52 56
the right time
Returns Management
customer service
productivity finance based on rated by analysts as the most advanced and
through real-time supplier centric
feature rich digital solution, you can now
50 2. Transition from Wealth Manager to a processing of trade 64 65 receivables to
WEALTH
REVENUE
BILLS SUPPLY CHAIN reduce procurement build your own virtual Corporate Exchange
MANAGEMENT Trusted Advisor. transactions and
63 66 FINANCING and receivables
53
Configure and define 57
status reporting
management costs and provide your customers with an
when to automate
entries for accrual,
62
aggregated view of cash positions across all
TRANSACTION REPORTING 67
MANAGEMENT
reversal and write off
with the ability to Generate highly granular 60 lines of business.
51
Highly configurable support multiple comprehensive reports LETTERS OF TRADE FINANCE FACTORING/
module to support channels and new with option to deliver CREDIT FORFEITING
CUSTOMER
ACQUISITION entire lifecycle with payment methods customized 61 68
Empowering the bank to reduced turnaround communication to
assess the customers risk time for order customers Comprehensive processing A flexible customer-centric
profile to make informed placement and solution leveraging factoring product for dealer and
product recommendations. validation of multiple intelligent workflows, distributor financing which
Create a robust onboarding asset classes document management and supports various options such as
process with real-time imaging capabilities with recourse, without recourse
tracking of operational risks and limited recourse

14 15
 DIGITAL DIGITAL
BANKING BANKING

70. TREASURY Effective Capital and Risk Management

to identify ideal buy/sell strategies for
WOULDN’T IT BE
GREAT IF YOU COULD...

Optimize profitability by timely hedging

of your positions in the market
ROBUST ARCHITECTURE
DESIGNED FOR SCALABILITY
re-balancing portfolios to achieve better Automate the online FX rate reporting
risk-returns and negotiation process with Merchant
Dealers & Branches and reduce errors 1. Simplify business complexity
Survive market shocks Fully integrated due to manual processes
and increased 78 front-mid-back office STP 2. Services orientation for HITECTU
regulatory scrutiny and PORTFOLIO treasury platform supporting
progressive modernization ARC RE
protect revenue MANAGEMENT all asset classes with SS
margins by assessing real-time rich analytics
Business CE
71
3. Business agility for enhanced

AC
impact of volatility and 77 aiding quick and pro-active
market changes STRESS FRONT/MID/
BACK OFFICE
decisions driving higher Designed on advanced technology and scalable Objectives
through sensitivity
analysis
TESTING profitability and managing
risk architecture for complete automation, customer loyalty
achieving 95% straight through processing

CTURE
across the bank while mitigating operational
4. Unified user experience
Enterprise-wide cash Automated reporting DIFFERENTIATED
flow visibility with of branch positions and financial risk. 5. Sustained cost optimization

ITE
70

DAT
accurate forecasting, 76 72 with online updates for
real-time awareness of RISK BRANCH traders’positions using
TREASURY

CH
risk exposure and MANAGEMENT POSITION real-time position

A
P&L view INTEGRATION management and

AR
AR
automated dealing
1. Future ready - adherence to standards HI

SS
system (ADS)

C
TE E
CT OC
U RE PR
2. Plug-n-play integration
75 73 Technology
LIMITS & RESOURCE 3. Available across all channels
Sophisticated limits
management engine for
CONTROL
FRAMEWORK
MOBILIZATION Complete processing
of Domestic and
Objectives
automated online 74 Foreign Currency Loan 4. Component level extensibility
monitoring of limit FUND Management with STP
MANAGEMENT
breaches and alerts to
reduce counterparty
without any manual
intervention 5. Uncompromised security
credit risks, improve
controls resulting in
operational cost benefits Optimize investments and minimize
operational expenses through accurate
tracking of short and long-term funding
requirements

16 17
 Customer
Experience Internet Mobile Wearable Branch Agent Social Call Center SMS Merchant

UNDER THE HOOD Platform

ARCHITECTURE

Audit Trail
Product
Digital Face (DF) CBX-C Back Office

Payments &
• API Driven Account Services Loans
Transfers
Account Services Loans Payments Segmentation

• Micro Services Enabled Cards Deposits, CASA PFM Trande Finance SCF CnR Offers Mgmt

• Contextual Enterprise Services

Authorization
DF CBX-C
Integration Action APIs Inquiry APIs Integration Action APIs Inquiry APIs
Patterns Patterns

Projection Store Projection Store Projection Store Projection Store Projection Store
Product
Processors

APIs

APIs

APIs

APIs

APIs
Deposits,CASA Trade Finance, SCF Loans Cards FX & Money Market

Authentication
IDC Enterprise Intelligent Reference Alerts & Fees &
General Ledger Intelligence
Services Data Store Data Advices Charges, Limits

Customer Workflow Credit Risk Risk

Product Mgmt Treasury Open Banking Alexa Chatbots
Info File Engine Analyst Mgmt/AML

ARX Security
Integration Message/Protocol
Routing Service Orchestration Scheduled transaction Fail-over Message Enhancement
Layer Transformation

Online / Batch Integration

External Payment Systems Switch / Payment Gateway Other Systems

Systems
Remittances SWIFT EFT Visa/MasterCard Credit Scoring SMS/Email Central Bank e-KYC

18 19
 POWERED BY DESIGN THINKING IN ACTION

RE-IMAGINING BANKING WITH INTELLECT’S FULLY

INTEGRATED DIGITAL BANKING SOLUTION Personalized
Experience
Empowered
Role Holders
Ecosystem
Thinking

Operational Economies
Efficiency and Scale

21
 Personalized Personalized

# 1 Experience
# 2 Experience

SELF ONBOARDING IN CONVERSATIONAL BANKING

LESS THAN 60 SECONDS POWERED BY ARTIFICIAL INTELLIGENCE
• Onboarding through customer's preferred channel • Enabling customers to enquire & transact via Chatbots
• Instant account opening with e-KYC • Simplifying the banking experience with voice recognition
• Real-time customer verification with single click data capture bots such as Alexa

22 23
 Personalized Personalized

3 4
Experience Experience
# #
APP-BASED BRANCH BANKING MASS BANK TO ‘MY BANK’
• Delightful Digital Experience across channels & devices • Dynamic segmentation; Contextual Offers
• Powering branchless distribution • Actionable Insights with Intelligence Hive

24 25
 Operational Operational

# 5 Efficiency
# 6 Efficiency

OPERATIONAL EFFICIENCY TRULY REAL TIME

• Reduced TAT with Robotic Process Automation • N-Tier GL
• Instant credit decisioning powered by Machine Learning • Real-time monitoring of bank’s KPI’s
• EOD in minutes • Inbuilt Reconciliation
• Centralized risk; decentralized decisioning

26 27
 Empowered Empowered

# 7 Role Holders
# 8 Role Holders

BUSINESS AGILITY. ROLE AWARE BANKING

SPEED TO MARKET • Role based dashboards; Customer 360 views
• Intelligent Cross Sell & Up Sell
• Rapid launch of new products with Flexible Product Configurator
• Minimal dependency on the technology vendor
• Relationship Based Pricing Engine
• Pre-configured templates & Business rules

28 29
 Economies Ecosystem

# 9 & Scale
# 10 Thinking

CLOUD NATIVE HARMONIUS INTEGRATION.

ARCHITECTURE AGILE INNOVATION
• Modular design; Micro services based architecture • Open Banking ready
• Switch on & switch off modules as you grow • 280+ APIs; Plug ‘n’ play with 3rd party solutions
• Reduce Capex with Pay-as-you use model • Tap into a comprehensive Partner ecosphere
• Benchmarked to support 10,000 branches,
100+ million accounts & Over 20 million transactions per day

30 31
 ANALYST ACCOLADES

Gartner IBS intelligence Forrester IDC Ovum CEB TowerGroup

Gartner - Leader for 7 IBS Sales League Global Banking Intellect Digital Core is Challenger in Decision Tower - Core Banking:
Straight years in Tables 2018: Intellect is Platform Deals Survey highlighted as a Game Matrix for European Intellect CORE is rated
Gartner's MQ - Intellect ranked #1 in Retail 2018 - Intellect - a Changer and Market – High score in BEST-IN-CLASS in Tower
is the youngest product Banking Systems, #1 in Global Player for Digital-Ready Core the Technology Group report "Core
vendor to be positioned Payments Systems & Combined Deals & System by IDC in their Assessment category Banking Systems for the
in the Leader Quadrant Cards, #2 in Lending Global Pursuer for New report titled Perspective: with top scores in Large Bank Market" -
Systems and Number 3 Named Deals More Game Changers in Scalability, Technology Intellect Core Scores 5/5
Ranked #2 in Peer in Digital Banking and Asia/Pacific's Race for design architecture and for Product Management
Insights for Global Retail Channels globally Vendor Landscape: Connected Core Banking roadmap & Product
Core Banking Intellect among Top 9 Depth sections
Banking Platforms with
> 200 live installs

32 33
 FinTech Design Center

DIGITAL BANKING
DESIGNED AT FINTECH 8012 DESIGN CENTER
 INTELLECT
DIGITAL BANKING
Accelerating Primary Bank Aspirations
Digital 360. Real Time. Context Aware

www.igcb.com

Accelerating Primary Bank Aspirations

Digital 360. Real Time. Context Aware