Finacle Universal
Banking Solution
Simplify to transform your
bank
multiple product centric silos and legacy
The banking industry is experiencing
responsive to the evolving customer
change at an unprecedented rate, leading
demand.
to multiple challenges for banking
leaders. Changing customer preferences,
macroeconomic uncertainty, regulatory
upheaval, competitive threats, technology
shifts, are all leading to rapid changes in
the industry.
Banking business leaders are working
applications, which restrict them to
Comprehensive coverage so that you
can enter into new business segments
innovate faster, reduce costs and be
confidently
foundation for sustainable growth and
consistently rated as best-in-class by
leading industry analysts
Today, simplifying banking is critical
to achieve business goals and create a
Proven technology which is
Enterprise-class components to create
operational hubs across business units
profitability.
to enhance the agility and efficiency
of the operations as well as improve
Finacle universal banking
customer experience across channels
Built-in global best practices repository
Product factory and product bundling
relentlessly to create sustainable business
How can your bank simplify business
growth in these challenging times. Most
technology and operations to create
banks are looking to refresh their existing
tomorrows advantage? With the industrys
business models and enhance return on
most advanced solution that empowers
infrastructure for business users to
equity by delivering higher operational
you to seamlessly transform your systems
accelerate new product creation
efficiencies and managing costs. They
and make that leap into the future.
are trying to build superior capacity for
Finacle universal banking solution arms
innovation and develop value-based
you with a comprehensive gamut of
partnerships with players both within and
solutions that address your core, CRM,
outside the financial services industry.
e-banking, mobile, payments, digital
The focus is rightly shifting towards
commerce, loan origination, liquidity
accelerating innovation execution. Banks
management, financial inclusion, Islamic
are keen today on making their business
banking, treasury and wealth management
truly customer specific and are leveraging
requirements. Our solutions are crafted to
emerging technologies like mobility, social,
suit the specific needs of retail, corporate
commerce, cloud and big data to create
or universal banks worldwide. Leveraging
and sustain competitive differentiation and
the componentized structure of the
offer superior customer experience.
solution, you can choose to deploy or
However, severe complexity in their
business, operations and technology is
acting as a big impediment. Research
indicates that almost 84% of annual IT
budgets are today consumed to support
existing business operations and organic
upgrade our solutions all at once or one
at a time, depending on your business
priorities. This flexibility empowers you
and rich repository of processes
360 degree view of customers across
Powerful customer analytics
global relationships
driving right-sell opportunities and
personalized offerings
Seamless cross-channel experience
with real-time view of customer
relationships across the touch points
Cloud-ready platform to optimize
infrastructure costs
Reduced time to compliance with realtime view across enterprise data
Readymade integration adaptors and
compliance to industry standards
to simplify your transformation journey
reduce your integration costs and
while enabling you to reap modernization
enable enhanced STP (Straight through
benefits faster.
processing) across the enterprise
growth, leaving little to transform the
Backed by the Infosys solid track record
Leading banks across the globe are already
business to create new revenue streams.
of implementation, Finacle provides
leveraging Finacle to accelerate innovation
Complexity in the business technology is
banks like yours, a proven platform for
and simplify their transformation journey.
a significant driver behind this imbalance.
transformation at minimal risk, within
Its the complexity of the exiting business
effective timelines that work for you. Our
technology landscape, riddled with
solution offers:
How can your bank simplify business
technology and operations to create
tomorrows advantage? With the
industrys most advanced solution that
empowers you to seamlessly transform
your systems and make that leap into the
future.
Finacle universal banking solution arms
you with a comprehensive gamut of
solutions that address your core, CRM,
e-banking, mobile, payments, digital
commerce, loan origination, liquidity
management, financial inclusion,
Islamic banking, treasury and wealth
management requirements.
Step into tomorrow with
Finacle
centricity and efficiency associated with
in as little as 50 days. You can benefit from
new-generation core banking platforms.
a preconfigured solution thats conceived
Large banks in their home country
With a proven track record of risk-managed
You succeeded and grew to prominence
positioned to power this transformation for
because you were an early adopter of
technology all those years ago. Now,
ironically, it is those same systems that are
holding you back.
You cant leap into tomorrow in one day.
deployments globally, Finacle is best
to empower you with all the best practices
leveraged by larger banks with global
success.
your business with minimal disruption of
Dont have time to customize? Not
business.
interested in investing in large-scale
Large banks expanding with multicountry operations
infrastructure, services and applications
management? Dont worry, weve got you
covered. Partnering with a global leader
But you can take consistent, thoughtful,
Because banks have spread out operations
allows you to focus on your core business
incremental steps immediately to meet
over the past years sometimes also
and leave your IT initiatives and the
competition from smaller and more
through acquisition - they have ended up
challenges of managing it to us.
nimble banks and make your customers
with multiple systems, different technology
happier. We can lead you through that
environments, and an inability to
transformation journey through a series
standardize operations, products, and the
If you are a credit union, a thrift bank,
of modular deployments that progressively
service experience across all geographies.
community bank, or a firm that strives to
address your key pain points make you
Besides, your customers are also going
more agile, less complex, and more flexible.
This means, with Finacle, you can make
the changes you need with least risk to
your business and adapt faster to dynamic
business conditions.
Finacle is also one of the most scalable
banking solutions in the market. For
unhindered growth, you can rely on the
unparalleled performance benchmark
that Finacle has set: 104 million effective
transactions per hour for channel (nonbranch) transactions and 41 million
effective transactions per hour for branch
transactions.
You can also leverage Finacle universal
banking solution for mainframes on
Linux. Ported on IBM System z and DB2,
global, and expect a unified experience. We
can help you meet their demand, whether
you operate in the Americas, Asia, Australia,
Europe or Africa.
Community banks and credit unions
financially include the under banked or
unbanked, we offer you just the solutions
you need. Our pre-configured, readyto-deploy solution, delivered through a
software-as-service model, along with our
partners, means your capital outlay is truly
We can help you standardize products,
minimal. And yet you are empowered with
applications and infrastructure to help
the same tools that large banks are using
create reusable assets across your diverse
to deliver financial services across multiple
entities to deliver maximum operational
channels while optimizing resource
and cost efficiencies. Operations can also
utilization. We can even help you service
be centralized in the lowest-cost location,
customers who dont go to banks by
along with rationalization of your hardware
meeting them where they are with a digital
and software investments. So, while you
or mobile bank that reaches remote places,
work where resources are readily available,
and offers anytime, anywhere access.
your global service delivery remains both
impeccable and cost competitive.
Mid-sized banks
it brings the best of two worlds to your
For mid-sized banks with a regional
bank - enabling your existing mainframe
presence, our Bank-in-a-Box
infrastructure with the agility, customer-
implementation strategy allows a go-live
We help you get your cost to deliver
services low enough, so the unbanked
turn into a welcome source of additional
revenue for you.
Channels,
Distribution
& Integration
Functional architecture
Branch
ATM/POS
Branch
Solution
Kiosk
Fax
IVR
Call Center
e-banking
Solution
Call Center
Solution
e-mail
Portal
Internet
Mobile Banking
Solution
Financial
Inclusion
Mobile
Advizor
Solution
Social
Digital
Commerce
SOA Integration Framework (Web Services, MoM)
Functional
Modular Offerings
Enterprise
Components
Multi-Channel Framework
Customer Information
Analytics
Consumer
Banking
Origination
Clari5
Liquidity Management
CRM
Corporate
Banking
Treasury
Demand Deposits
Current/ Overdrafts
Term Deposits
Commercial Lending
Retail Loans
Mortgages
External
World
Payment
Networks
Credit
Bureaus
Offers and Catalog
Alerts
Finanz Tools
Wealth
Management
Islamic
Banking
Foreign Exchange
Mutual Funds
Mudarabah
Money Markets
Structured Products
Murabaha
Trade Finance
Securities
Equities & Bonds
Musharakah
Syndication
Derivatives
Insurance
Istisna
Dashboards
Shared
Infrastructure
Components
Workflow (BPML) Reporting and MIS Security Finacle Studio
Communication Finacle WatchWiz
Back-end
Systems
Allied Solutions
Regulators
Analyzed Pricing
Regulatory Reporting
Rating
Agencies
Risk Management
Infrastructure Services
Payments
Common Services
Master Data User Definition Multi-Entity Multi- Calendar General Ledger
Multi-Currency Operational Data Store (ODS)
Document Imaging
Market
Feeds
Analytical AML/KYC
Business Intelligence
Card
Issuers
Componentized solutions.
Simplified transformation.
Finacle core banking
deliver superior agility to advance
information repository and proven
innovation and offer personalized
scalability
solution to client needs
Layered SOA, best processes repository,
Finacle CRM
process orchestration and STP
Integrated with the Finacle core banking
market, customer, competition and
capabilities to enhance operational
solution, Finacle CRM solution can help you
compliance mandates with the industrys
efficiencies
delight customers with:
Web-enabled technology and
Innovations across the marketing, sales,
Meet the challenges of a changing
most advanced solution that offers
comprehensive coverage and future-proof
technology:
multi-country and multi-currency
implementations
Capabilities such as product factories,
extensive parameterization, reusable
business rules, global product
templates and product bundling
24X7 operations for multi-channel,
Functionally-rich modules, enterpriseclass components, unified customer
and customer service life-cycle for
banking products
A unified 360 degree view into the
customers relationship with the bank
across product lines and geographies
Personalized products offered at the
banking experience on feature phones,
right time through the right channel
smartphones and tablets. The solution
Information dissemination through
effective marketing campaigns
Finacle consumer e-banking
Respond to customers growing demand
for retail banking on-the-go in real time
works on a variety of platforms including
offers a broad range of access modes
such as downloadable application, mobile
solution to your treasury operations.
Comprehensive banking and payment
Online account inquiries, fund transfers,
institutions, electronic bill presentment
and payment for utility bills and twoway multi-channel alerts
Finacle corporate e-banking
Corporations and small businesses demand
A single unified view of their corporate
banking relationship across asset and
liability products, limits, trade finance,
and cash management
Anytime, anywhere access to real-time
consolidated information
Multi-currency, multi-lingual, multientity, and multi-branding online
products
Finacle mobile banking
modular front, middle, and back office
management and contactless
markets, fixed income securities,
interest rate derivatives, equities and
rolling out value added services such as
their derivatives, credit derivatives,
mobile commerce and ticketing
disparate host systems, core banking
solutions, payment networks and thirdparty applications.
processing for a broad range of asset
Support for foreign exchange, money
Open up new revenue streams by
Solution functions in tandem with
Manage trading, risk management and
classes on a single integrated platform.
payments
the same conveniences as your retail
customers. Empower them with:
Finacle treasury
Bring the advantage of an integrated yet
account aggregation, mobile financial
Online payments to individuals or
with their existing channel applications
web, SMS and USSD.
services such as account management,
and remittances
Banks can leverage this solution along
to reduce the TCO significantly.
Android, iOS, Java, Windows, and RIM and
with:
credit card and mutual fund payments
precious metals and structured product
Middle office features such as
integrated market and credit risk
management (including value at risk),
limits management and liquidity
management
Finacle multichannel framework
Comprehensive dealer friendly front
An enterprise-class channel management
office module that enables efficient
solution that empowers banks to drive
and automatic deal capture from
customer loyalty by providing a seamless
dealing platforms
cross-channel experience.
This unified channel management
framework centralizes channel
rules and business processes to
accelerate launch on new channels.
It orchestrates interactions between
various channels and back office
Finacle payments
Modernize your payments with the
advanced enterprise payments
services hub:
The solution manages end-to-end
payments lifecycle and processes
solutions to fast-track introduction
payments regardless of payment
Give your retail and corporate customers
of new products and services across
instruments, originating channels,
a rich, secure and multichannel enabled
channels
hosting modules and payment networks.
The SWIFT ready solution is designed
Islamic banking along with international
capabilities, which empower banks to
leveraging ISO 20022 standards to
offerings.
control risk and achieve higher credit
deliver seamless interoperability across
Solution offers a flexible and varied
quality to increase profitability.
various global and local payment
feature repertoire for banks to design
networks.
and deploy products for varying
market segments, based on different
Finacle wealth management
Islamic concepts including Mudarabah,
Finacle liquidity management
A front-to-back office liquidity
management solution to offer a
Create new revenue streams by offering
Murabaha, Ijarah, Istisna, Kafalah and
comprehensive range of services to
high net worth individuals and the mass
Tawarruq. The solution also offers a
corporate clients to identify, manage
affluent, products and services powered by
wide range of possibilities for business
and optimize liquidity.
the Finacle wealth management solution.
users at the bank to create products
and embellish them with innovative
End-to-end processing of investment
products across asset classes including
structured products, equities, mutual
funds, insurance, bonds, futures and
options
Unified, Comprehensive, Real time
view of the client across the enterprise
covering both Islamic & non Islamic
products
Unified solution for wealth
management needs of front office, mid
office and back office
Straight through processing across
wealth and core banking functions
such as limits management, payments
features
Rule based design to accelerate launch
of new products such as dual currency
deposits, principal protected deposits,
range accrual deposits, mutual funds,
and insurance products
Finacle Islamic banking
Offer Shariah-compliant products to
customers and address their needs for
Cross-border, cross-currency, cross-
bank liquidity management capabilities
optimize liquidity by leveraging
techniques, such as notional pooling
and target balancing
This multi-channel enabled solution
empowers corporate clients to see
graphical views of liquidity positions
Finacle origination
on-the-go across devices to accelerate
Simplify and strengthen the complete
decision-making.
credit lifecycle, across retail and
commercial loans with this enterprise loan
Finacle offers and catalog
origination solution
A first of its kind solution for the banking
Supports the end-to-end credit
industry that empowers business users
lifecycle from customer application
to create and publish offers across
to credit analysis and decisioning,
channels instantly to accelerate new
followed by loan onboarding and credit
business acquisition. Its interactive catalog
monitoring across various types of
delights and empowers customers with
loans, ensuring cost efficiencies and
retail industry like shopping experience
optimum control.
and enables banks to right-sell more
Advanced rule-based underwriting
and integrated credit monitoring
successfully.
Finacle Analyz
Get the advantage of access to holistic
customer analytics through both insightful
business reports and rigorous statistical
models. Cross-leverage this analytic output
to strengthen customer engagement and
management strategy; enable your bank to
convincingly demonstrate their benefits
service providers to facilitate peer to
and features. They help your customers
peer (P2P), domestic and international
to search and select from a meaningful
remittances, utility bill and proximity
choice of products, significantly shortening
(contactless/NFC driven) payments. Its
time-to-purchase.
ability to onboard and manage agents
using digital channels provides a cost
Finacle Watchwiz
institutionalize customer relationships and
This holistic glass box view of Finacle
differentiate the service experience.
will empower your bank to proactively
monitor and analyze critical operational
Finacle Advizor
Leveraging Web 2.0 principles and
recent technological advances in the IP
convergence space, the solution brings
to your banks self-service channel the
comfort of human intervention through
triple play - video, audio and data
communication along with co-browsing.
health parameters. It is a comprehensive
monitoring console that delivers integrated
24X7 monitoring and management
services for Finacle and its extended
infrastructure, in addition to supporting
applications within the environment.
effective way to reach out to remote
customer segments. Additionally, it fosters
customer loyalty by delivering cashless
convenience to consumers through digital
wallets supported across multiple channels
such as mobile, Internet, ATM, kiosk
and IVR.
Finacle solution delivery platform
Complex business transformation requires
an integrated tooling approach across the
Finacle Digital Commerce (FDC)
Finacle digital commerce solution
Finacle Finanz tools
leverages the power of digital money
Engage your customers with personalized
to unlock new revenue streams, extend
graphical product illustrations. These
distribution reach and foster customer
are simple-to-use financial calculators,
loyalty for financial institutions, telecom
simulators, and modelers that precisely
service providers and retailers The solution
model how financial products work, and
powers revenue growth by enabling
stages of implementation. Our platform
has all the tools, processes and automation
for transformation success built into it.
This platform glues both custom and
off-the-shelf tools to provide role and
stage-specific dashboards for convenient
transformation tracking and management.
When you step into
tomorrow
Is your bank ready for tomorrow?
The ability to scale and grow with
increasing demand is key to the health and
platform, business rules and processes,
It can accelerate schedules without
on demand, in readiness for changing
sacrificing cost predictability. The
business conditions.
companys project management
Yes, we understand what it takes to go
global
methodology, InRIM (Infosys Rapid
Implementation Methodology), ensures
rapid, smooth, and successful deployment
prosperity of a bank. With an advanced
Finacle is built to support multi-currency
minimizing the risks of transformation.
platform that accommodates both organic
accounting, multiple legal entities,
Banks deploying Finacle have experienced
growth and the integration of multiple
business across multi-time zones and
an annual return on investment of
systems, Finacle universal banking solution
multilingual transactions. The solution
up to 55 %.
prepares your business for tomorrow.
empowers your business to comply with
How does your customer want to bank?
The Finacle multi-channel framework
enables your customer to bank on a
channel of choice with the assurance of a
global regulations while also gearing
you to manage local operational and
compliance mandates.
Are you operating at your peak?
Finacle helps build
tomorrows bank, today
Finacle from Infosys partners with banks
to simplify banking and arms them with
unified and rich service experience. Our
Operational efficiency is a key measure of a
accelerated innovation to unlock the
360 degree customer view and robust
banks success. With industry-leading best
value levers of their business. Creating
analytics help you offer personalized
practices, Finacle from Infosys has been
and launching new products and services
products and a vastly enhanced customer
helping banks around the world maximize
faster, increase right-sell efficiencies
experience.
their efficiency and get the most out of the
and customer delight, while optimizing
investment theyve made.
processes to support agile and cost-
Wouldnt it be great to be tomorrow-
efficient operations have never been easier.
ready?
Bring customers to tomorrows bank with
agile business, which means your teams
Finacle is backed by Infosys pioneering
Finacle universal banking.
can factor in changes to the business
low-risk Global Delivery Model (GDM).
Wouldnt it be nice to launch and modify
products and services with ease?
Our SOA enables banks to build a truly
About Infosys Finacle
Infosys Finacle partners with banks to simplify banking and arms them with
accelerated innovation to build tomorrows bank, today.
www.infosys.com/finacle
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