Vayana – Next Generation Banking using Social Connect

1. Vayana – Next Generation Banking using Social Connect Intellectual property of Vayana

2. Corporate Banking Retail Banking Technology Trends E-banking will be a set of services available for Integration with other applications Pervasive banking services in conjunction with Social Media Banks will purchase Services rather than products Next generation Technology Architecture Embeddable services Cash forecasting, Embeddable services 2011 - 2013 Q1 Private and Public clouds will be preferred deployment strategy Customer network creation with SME rich services will be key factor in stickiness Mobile banking will be the key channel Q4 Commercial banking suite, Templates, Richer Trade and Treasury Functionality Rich Integration Architecture with Data pipelining, On Demand Platform Social media integration, wealth management Q3 2010 Q2 Q1 Data aggregation service, Mobile Banking UI/XML driven integration architecture Data Aggregation service, Cash Forecasting, Mobile Banking ROI focus will drive hardware and deployment efficiencies STP and Time to Market efficiencies will be key in managing ROI Unified Wealth statement across institutions, rural banking specific solutions Q4 2009 Q3 Q2 Trends Vs. Product Road Map High level Roadmap Trends Retail Banking Technology Corporate Banking Intellectual property of Vayana

3. Next Generation Banking Architecture Mobile Kiosk Online Banking Portal Social Network Channel Presentation Layer Personalization | Multi-lingual | Multi-currency | Customer Branding Transactional Widgets Information & Interaction widgets General Widgets Other Features • Transactions • Bill pay • Request • Insurance • Download Statements • Onetime setup • Preferences • What will it cost • Offers for you • Can you advice • Find what we pay • Compare Us • Balances • Investments • Net worth • Stocks • Mail Box • May I Help You Online Banking Enterprise Manager Administration | Business Rules | Message Center | Utility Provider | Reports | RMS | Dynamic Templates** | Dynamic Reports ** Interface Component Interface to Core using Middleware / SOA / Direct Interface Security & 2 – Factor Accounts & Payments System Loan & Deposit System Credit Card System

4. Personal Applications for Online banking Information & Interaction Widgets Transaction Widgets General Widgets Transaction Balances What will it cost Bill Pay Investments Direct Offers Insurance Net-worth Direct Advice Requests Stocks Direct Rates Talk about us Mail Box Compare us My Direct Help Supported in Online Banking Portal & Mobile Web Secured Access for registered Customers Support using Chat, Message center Integration with social media

5. Transaction Widgets Transactions Information & Interaction General These are secured Widgets and require to login to Online Banking and available only in Online Banking Portal. Customers can personalize these widgets in their landing page. Transaction BillPay Lists the frequently made online payments and allows to create new payments (Internal or external) to pay now or Standing Instruction. Lists utility bills due for payment with due date and allows to make a payment now or schedule later. Insurance Requests Lists the insurance products with premium due details. Allows you to make a payment for due. Status of Service requests like Cheque book, Address change, Credit cards (block/report loss) and submit a new request

6. Information & Interaction Widgets Transactions Information & Interaction General These are secured Widgets and will be available in Online Banking with full functionality. These can be integrated with other social media sites like iGoogle, Yahoo, Facebook with limited functionality. This require sign-in using the online banking credentials. Balances Investments Networth Displays the relationship information of all Account Nicknames, Current Balance, Currency. List of accounts include, Current/Savings Account (CASA), Loans, Deposits, Credit cards Lists the deposit accounts, Mutual funds with details like interest rate, maturity information/NAV and current value. Summary of relationship categorised into main groups. Shows the networth in preferred currency, if multicurrency transactions present. Stocks Mail Box My Direct Help Lists the current value of the stocks/shares held either from stored value or at login time depends on setup Lists the alerts/Notifications from RM/Bank. Contact Relationship manager through Internal Mail, Online Chat, Videos or Forum

7. Information & Interaction Widget • Information/Interaction Widget • Can be independent in Online banking or external application • Secured and requireed login credentials • Data communication on SSL

8. General Widgets Transactions Information & Interaction General These are widgets which can be integrated & published for view of general public. Few of them still require Sign-in using online banking credentials if these are part of Online banking. These will publish information about products, interest rates, calculators etc. Calculators Offers Advice Financial calculators - Mortgage, Auto Loan, Home Loan, Exchange Rates, Personal Finance Lists new products or offers for the customers Connects to Interactive WiKi's, Blogs with moderator or Senior member giving advice/suggestions based on the question. Rates Compare Us Interest rates on Deposits, Savings accounts Compare your spending with the world.

9. General Widgets • General Widgets • Can be independent in Online banking or external application • No Login required • Can be integrated to external websites for advertisement • Suitable for Social Networking Integration • Data pulled from bank server

10. Landing Page with widget types

11. Widget Customer Feel • Allows customer to pick and choose the required widgets • Widgets can be refreshed as a unit • Can be minimised or closed

12. Integration with Social Media • Maintains the Look & feel • Develop once & deploy in different place • Cross selling & Up selling • Appears based on the customer profile

14. Visit www.vayana.in Thank You….learn more about us at www.vayana.in