Leading edge omnichannel digital banking platform - AI/ML-empowered - Open API (compliance with PSD2 directive) - Centralized product control - Secure Operation - Emphasis on Usability - Significantly lower TCO, 
compared to the market - Modular architecture

1. AI-EMPOWERED
OMNICHANNEL
DIGITAL BANKING
Technology Partnerdeveloped

2. MODERN DIGITAL BANKING
…is not just
about online
access
to accounts
and balances,
there’s much
more to it

3. OMNICHANNEL APPROACH
Web-browser
Call-center
Customer satisfaction
Search for
ATM here
Get offers from
the bank here
Top-up your
mobile here
View account
statement here
Open savings
account here
Look up your a/c
balances here
Open BanQ digital banking platform
POI Navigator Mobile App Web App
Smartphone

4. OMNICHANNEL IS…
Advantages/channel
SMS
SMS
interactve
mobile
browser web/online mobile native tablet kiosk
Available for all client categories +++ ++ + ++ – – +++
Easy to use +++ – – – – – +++ ++ +++ ++
Affordability – – – – +++ – – +++
Mobility +++ ++ + – +++ ++ – –
Rich functionality – + ++ +++ ++ +++ – – –
Cost-efficient implementation +++ + ++ + ++ ++ ++
Bank image ++ + + ++ +++ +++ ++
Cost-efficient support – – – – ++ + + + – –
Active sales (push notifications) ++ ++ – – – – +++ +++ – –
every channel has it’s advantages and purpose…

5. OMNICHANNEL IS…
every channel is appropriate for a life situation…
SMS Mobile tablet web/online kiosk
Access device mobile smartphone tablet computer street kiosk
Usage location walking walking
static, home/office
or public place
static, home/office street
Usage situation passive situational relaxed concentrated under pressure
Usage context any time
any time, in pauses,
multi-tasking
accompanied, public
place, multi-tasking,
multi-screen
data entry, large
screen needed,
focused
busy, dispersed
attention, hands
are not entirely
free
Reasons of usage
control,
urgency,
simplicity
usability, urgency,
speed, always online
simplicity, effortless
usage, information,
entertainment
functionality,
productivity, necessity
speed,
accessibility,
necessity
Security low low medium high low
* source: Fiserv

6. •Leading edge omnichannel
digital banking platform
• AI/ML-empowered
•Open API (PSD2 directive)
•Centralized product control
•Secure Operation
•Emphasis on Usability
•Significantly lower TCO,
compared to the market
•Modular architecture
OPEN BANQ

7. BASIC FUNCTIONALITY
Registration andView access
- Full client registration for bank account management
- Secure client login
- Savings account information
- Savings account statement
- Loan information
- Loan repayment history
- Loan repayment schedule
- Information on client’s cards
- Current accounts information
- Current / Card account statement
- Current account transaction history
- BanQ originated transaction history
- BanQ originated payment slip printout: IMG / PDF / HTML

8. PAYMENTS IN FEW CLICKS
Payments from current account
- own account transactions
- domestic transactions
- loan repayment
- savings account transactions
- external own current account transactions
- own card account transactions
- bank selected bill payments
- additional bill aggregators’ bill payment
- SWIFT,Western Union, Moneygram transfers
Payments from card account
- domestic transactions
- loan repayment
- savings account transactions
- external own current account transactions
- own card account transactions
- bank selected bill payment
- additional bill aggregators’ bill payment
Payment templates
Recurring Payments
- domestic transactions
- loan repayment
- savings account transactions
- external own current account transactions
- own card account transactions
- bank selected bill payment
- additional bill aggregators’ bill payment

9. CARD OPERATIONS
Card operations
- card deactivation (soft / hard)
- re-activate deactivated card
- card issue order
- card operations limits editing
- CVV-code verification switch on/off
- SMS-banking switch on/off
- NFC contactless payments (Android)

10. SERVICE FUNCTIONS
Template management
- group templates management
- payment history based template creation
- custom account information template creation
- edit/confirm account data of the template
Other service operations
- Open savings account online
- Start savings auto-prolongation
- Stop savings auto-prolongation
-View / print (HTML / PDF) information for
account repayments: current, loan, savings
- Password change
- Sessions history with IP address and time
- «Ask helpdesk» function
- Q&A history
- FAQ for the clients
- Edit all interface texts by managing resources
- All statements export for printing (PDF/
- All statements export to OFX

11. CUSTOMER RELATIONSHIP
CRM module includes
- Navigation to points of presence with
itinerary building
- Bank information
- Bank messages and news
- Address book integration: filter bank
contacts
- Forex rates
- Bank products / general description
- Credit and Loan calculator
- Call the bank with phone or Skype
- Question to the helpdesk (text message)
- Group stats (Google Analytics)
- Client tracking with geo-
location- Basic tracking reports
- Quick client registration
- Client lists download
- Client base segmentation
management- Marketing campaign
management- Marketing campaign stats
download- Basic client questionnaires
- Basic CRM with client DB

12. PERSONAL HOME FINANCE
Clear view on resources and spendings
-Transaction tagging
- Group transaction tagging
- Khowledge base collection: pre-tag typical transactions
- Knowledge base consolidation within the bank
- Personal reports in various graphic formats
- Basic financial advisory
- Schedule a meeting with financial advisor

13. STIMULATING CASHLESS
creating tools and mechanisms to motivate the customers
use the online capabilities of digital banking

14. E-WALLET
• Placing payment cards into
smartphone
• Card-to-card (C2C) money
transfers
• Making P2P payments in
contactless way
• Pay the bills, top-up mobile
• NFC like Apple Pay, but on
Android

15. E-LEARNING
Video lessons, helping the customer understand how the things work
in the internet banking, mobile banking etc. Examples:
demo registration
card limits changing making a payment

16. PROCESS AUTOMATION
scalable flexible functionally rich and highly tunable open process automation module
with graphic editor of the process - completely suitable to automate all possible
processes in the bank: from the document workflow to the credit conveyor

17. AI-EMPOWERED
• Both structured and unstructured data analysis
• Enrichment of the client profile with
the social networks data
• Credit bureau, information from
the anti-fraud databases
• Order forms, regular scoring data
• Transaction history, credit history, CRM data
• Subject matter experts as the source of knowledge
• Given the large enough amount of data, the system
would improve itself and learn taking decisions
• Use areas: data discovery, credit issue, operational
risk management, visual search, sales personalization

18. UNDER THE HOOD

19. BANQ MODULAR ARCHITECTURE
Bank Back End SystemsCBS Card Back Bill Aggr CRM
Back End
Integration
Layer
BanQ
Core Layer
Presentational
Layer
Web
Banking
Mobile
Apps
Kiosks
Call
Center
DWH Risk Mgmt
BanQ Integration Adaptors
Savings Loans Accounts
Business Logic
Users Payment Rules
Open API (RESTful)
CBS Adaptr
Card processing
adaptor e-Bill Adaptor CRM Adaptor
3rd-party apps
& widgets
BanQ Ready-to-go Components Bank and 3rd-party components
…

20. THE PRINCIPLE OF OPENNESS
Open API multiplies choices,
opens opportunity to use
various devices and create
interfaces with different
target usage (as per directive
PSD2, adopted in EU)
For the young
On the run
For the finance pro
Urbanized
Free time

21. EASY API ADMINISTRATION
No need to pay
for the time of
developers: Open
API can be easily
administered by
maintenance and
support staff

22. TECH ARCHITECTURE
Client Platforms
Feature
Frameworks
P2P Modules
Cloud Platform
Core Services
Internal Bank Platrofm
Business Intelligence
Facade Business Logic
Main
Business
Logic
Modules
Client
OpenAPI
(Thrift)
Admin API
(WS)
Third-
party
apps and
services
SOAP
Gateway
REST
Gateway
Business
Intelligence
Core
Campaign
Management
Financial
Advisory
Social
Profiles
Integration Layer
UkrCard
UPC
EasyPay
B2
Scrooge
BSS
CRMs
CRMs
Custom ESB
BanQ Platform
Frameworks
iOS
Framework
Android
Framework
Windows 8
Framework
WP8
Framework
Web
Framework
APIS
Client
Delta POI
User
Profile
Push
Notifications
Management
Console
Cloud Core POI Core
Integration
Services
Custom
Finlocator
Finance.ua
NFC
QR
AddressPay
PayByLink
AirPay
InterPush
AppURL
EasyPass
FB Login
Gamified
Savings
Apple, Google, MS Push
Notifications Services
Bank ESB
Custom
Third-party
services
Custom bank
services

23. BUSINESS LOGIC «CHIP»
Business Logic Core
Core
Auth
Exporters
Feedback
AccountMgr
eWalletMgr
LoanBasics
LoanOp.
LoanNotific
SavingBasics
SavingOp.
SavingCreator
CardsCore
CardOp.
CardMgr
eCards
Operation
Templates
Arbitrary
Operations
Bill
Presentments
Bill
Presentments
Internal
interaccount
transfers
Account-to-
card
transfers
SWIFT SEP
Rules and
Limitations
LoanRepayAutosavings
Autobilling

24. PLATFORMS COVERAGE
Web-module (internet banking)
iOs iPhone
iOs iPad
Android phone
Android tablet
watchOS Apple Watch
Windows 10
Messengers: iMessage,Telegram, Facebook
Core Server with Free API
Cloud Servers

25. WHY
OPEN BANQ
IS BETTER
CHOICE?

26. BECAUSE IT’S OMNICHANNEL
…and that means faster, more efficient, and also lowerTCO

27. CENTRALIZED CHANNEL CONTROL
Client’s advantages:
• Familiar interface, unified experience,
overall usability improvement
• More freedom, more situations with
the right tools in hand
Advantages for the bank:
• More points of contact with the
client, more cross-sale and up-sale
opportunities
• Cost saving and time to market cut
on omnichannel product or service
implementation
• Improved security!

28. DEVELOPING ECOSYSTEM
Open API allows having numerous interfaces + application
connections
Mobile wallets,
p2p
Multi-banking
Social networks, etc
e-commerce wallets,
pay by click

29. SOCIAL BANKING
Sending money easy cross-platform
(iOS,Android) using AirPay
Sending money to the
friends nearby
Sending money to the
friends on social networks
Why need payment details? Pay as
easy as doing things on social
networks using chatheads
Sending money by voice
Sending money directly in the chat:
iMessage, Telegram, Facebook

30. SOCIAL BANKING PLATFORM
Bank
social server
• Users don’t type beneficiary account data when making a
payment - it is stored on the social server
• oldUsers can “friend” each other in a secure way (e.g. BB)
• Social server also contains a directory of companies that
have received payments from the bank customers before
• Payment process is very similar to a template payment -
user chooses a chathead of the beneficiary As a service to
the other banks
Regulator
Bank

31. BECAUSE IT’S SMART
AI/Machine Learning methods enable totally new levels
of functionality and significantly improve existing routines
personalized
content
prediction,
reminders
unbiased
decisions
better client
retain rates
omnichannel
salesimproved
search
Visual KYC

32. GAMIFICATION
• “Why is gamification a good idea for
the financial industry? Because banking
sucks!” :-)
• 53% gamers aged 18-49
• 55% gamers play on smartphones
(front-office of the future)
• it’s not about gambling or playing with
money, it’s more about using the
psychological mechanisms that make
games so successful in society

33. GAME MOTIVATION MECHANICS
Awards Status Achiev-ts Self-
expression
Competition Altruism
M O T I V A T O R S
Points
Levels
Challenge
Virtual goods
Scores,rates
Charity,gifts
GAMEMECHANISMS
Primary motivator Secondary motivators

34. BETTER USER EXPERIENCE
UX
Core
what the others do what we do

35. PROVEN BYTIME AND LOAD
the core team has earned experience on the in-house project
at Alfa-Bank Ukraine, smooth operation since 2009

36. RELIABLE AND SECURE
• The system has been designed in accordance
with C2 security standard: at least login and
password are required to access functionality
and data
• All significant activities within the system,
including login, can be protected with OTP via
SMS or synchronized electronic keys like Auth
or Google
• Server communicates with front-ends (web,
mobile) and other integrated software systems
via secure channels
• System is PCI/DSS and ISO27001 ready - an
audit could be included in the implementation
plan
• Open BanQ can be integrated with any existing
client’s security systems, e.g. Gamalto, or 3d-
security systems.

37. PARTNERING
• DevelopedVISA Global Bonus regional loyalty system, implemented in 8 banks of 4 countries
• Passed rigorous PCI/DSS certification process byVISA including penetration testing

38. ELEGANT MOBILE APPS

39. MODERN DESIGN

40. NEW UI/UX IN DEVELOPMENT
new slick look&feel • material design • improved UX • widgets

41. SUMMARY OF ADVANTAGES

42. THE TEAM

43. COMPANY PROFILE
• BanQ Systems is focused on process automation instruments and
omnichannel client service systems, featuring AI & Machine Learning
elements
• Technology Partner
• multi-platform and UX expert, leading mobile and web developer
• complex banking and industry back-end systems, cloud computing, strong
integration specialist
• great team of software developers, banking IT managers, product managers,
UI/UX designers, business and systems analysts, data scientists
• Business geography: EU, UK, now entering US, Gulf and Asia/Pacific markets
Technology Partner

44. MOST SIGNIFICANT PROJECTS
VISA Global Bonus - built the system for VISA International regional loyalty program. Implemented in several Ukrainian banks
(Khreshchatyk, VTB, Trust, Ukreksimbank, Oshchadbank), banks in Kazakhstan, Russia and Belorussia. Used elements of
OpenQore and Autobpm systems.
Alfa-Bank Ukraine - the team has earned experience on the in-house projects C-Front and MyAlfaBank. Systems has been
tested by time and load - no serious issues since 2009
Pravex Intesa Ukraine - first mobile banking app with CRM function, the birth of CRM support module.
Societe Generale Russia, Rosbank - mobile app CRM + product ordering online via application forms
City Commerce - complete Open BanQ implementation including back-end and user interface channels (web, mobile).
Delta Bank - mobile banking implementation.
Finrost Bank - Open BanQ implementation including back-end, user interface channels (web, mobile) and product sales game.
UNISON - the farthest implementation of BanQ in terms of functionality, system went live by the end of 2015
Derzhzembank, Credit Dnepr - lead generation and product sales pilots
Portmone Bill Payments, Ukraine - created the first mobile client app, based on Android
EasyPay Bill Payments, Ukraine - built and supported mobile platform for the largest PSP in Ukraine
Ukrgazbank - Open BanQ deployed in the full scope, limited card functionality activated: mobile wallet, payment cards
control, statements review
Investbank - online banking implementation
Kazakhmys - complete replacement of Lotus Notes and document workflow automation for more then 40 enterprises of the
8th largest copper mining concern in the world
2 projects on Artificial Intelligence - under NDA, in the areas of defense and sales optimization for a commercial company

45. TEAM ADVANTAGES
❖ implementation and operations experience on the bank
side
we know the bank from inside, we know the issues, so we know how
to avoid the roadblocks and make our projects successful
❖ unique competency mix: IT integrators + Banking Product Managers
+ UI/UX professionals
• closer to the banking, then generic IT outsourcing companies
• competency! we are «a bit more» knowledgeable in banking then web
studios
• local knowledge: we study the markets we work on
❖ the team is working directly on the market
better grip with local practices, nearshore, highest development quality,
reasonable pricing

46. CONTACTS
/openbanq banqsystems.com
/company/banq-ltd @banqsystems
+1 917 3786311,
+380 50 4421042
+43 699 11224744
sales@openbanq.com dev-iq