Webinar Market Overview: Internet/Online/Cross-Channel And Mobile Banking Solutions

1. WebinarMarket Overview: Internet/Online/Cross-Channel And Mobile Banking Solutions Jost Hoppermann, Vice President, Principal Analyst December 10, 2013. Call in at 10:55 a.m. Eastern time

2. Agenda • Starting point • Non-participating vendors • Participating vendors • Key findings: Internet-/online-/cross-channel and mobile banking solutions • Recommendations

3. Agenda • Starting point • Non-participating vendors • Participating vendors • Key findings: Internet-/online-/cross-channel and mobile banking solutions • Recommendations

4. Top 10 business drivers show the way Comply with regulatory requirements 58% Comply with regulatory requirements 58% Provide better customer service/experience 43% Provide better customer service/experience 43% Improve flexibility and business agility 37% Improve flexibility and business agility 37% Increase operational efficiency 36% Increase operational efficiency 36% Manage cost 30% Manage cost 30% Changing markets 27% Changing markets 27% Multichannel/ channels 26% Multichannel/ channels 26% Improve risk management 22% Improve risk management 22% Innovative products and services 21% Innovative products and services 21% Changing markets 27% Changing markets 27% Multichannel / channels 26% Multichannel / channels 26% Reduce time-to-market/time-to-value 18% Reduce time-to-market/time-to-value 18%

5. Key functional areas for transformation Branch 19% Self-service/kiosks 5% Remote advisory support 1% Multichannel 31% Mobile 23% Internet 16% 50% Channels 62% Analytics/business intelligence 44% Core banking and core insurance 44% CRM 25% Customer/party data management 24% The customer 41% Regulatory compliance 27%

6. Definition of a cross-channel banking platform • A front-end solution that • enables interactions and transactions via the Web and other channels in a cross-channel fashion. • works with existing back-end solutions such as core banking to deliver their functionality and potentiality. • offers additional front-end-specific capabilities such as account aggregation, content management, or product overviews and infrastructure for purposes like security and integration.

7. Agenda • Starting point • Non-participating vendors • Participating vendors • Key findings: Internet-/online-/cross-channel and mobile banking solutions • Recommendations

8. We include not consider some solutions for a number of reasons

9. Agenda • Starting point • Non-participating vendors • Participating vendors • Key findings: Internet-/online-/cross-channel and mobile banking solutions • Recommendations

10. We analyzed different types of solutions

11. Agenda • Starting point • Non-participating vendors • Participating vendors • Key findings: Internet-/online-/cross-channel and mobile banking solutions • Recommendations

12. Criteria covered business and technology views • Business functionality • Channels including customer experience • Business processes and integration

13. Internet/cross-channel banking vendors and their solutions

14. Comparison Of Internet/Cross-Channel Banking Solutions Backbase Fiserv IND Intuit Misys Path Polaris SAP Sopra B. SunGard TCS Temenos Infosys Source: October 15, 2013, “Market Overview: Off-The-Shelf Channel Banking Solutions Can Differentiate And Manage Costs” Forrester report Legend: (Close to) strong capabilities some capabilities, (close to) no capabilities Source: October 15, 2013, “Market Overview: Off-The-Shelf Channel Banking Solutions Can Differentiate And Manage Costs” Forrester report

15. Comparison Of Internet/Cross-Channel Banking Solutions Backbase Fiserv IND Intuit Misys Path Polaris SAP Sopra B. SunGard TCS Temenos Infosys Separate mobile solution Separate mobile solution Pure online banking Separate mobile solution Separate mobile solution Separate mobile solution Separate mobile solution Legend: (Close to) strong capabilities some capabilities, (close to) no capabilities Source: October 15, 2013, “Market Overview: Off-The-Shelf Channel Banking Solutions Can Differentiate And Manage Costs” Forrester report

16. Comparison Of Internet/Cross-Channel Banking Solutions Backbase Fiserv IND Intuit Misys Path Polaris SAP Sopra B. SunGard TCS Temenos Infosys Legend: (Close to) strong capabilities some capabilities, (close to) no capabilities Source: October 15, 2013, “Market Overview: Off-The-Shelf Channel Banking Solutions Can Differentiate And Manage Costs” Forrester report

17. Internet/cross-channel banking vendors and their solutions (cont.)

18. Comparison Of Mobile Banking Solutions Fiserv IND Monitize Nucleus Path SAP TCS Infosys Intuit Legend: (Close to) strong capabilities some capabilities, (close to) no capabilities Source: October 15, 2013, “Market Overview: Off-The-Shelf Channel Banking Solutions Can Differentiate And Manage Costs” Forrester report

19. Comparison Of Mobile Banking Solutions Fiserv IND Monitize Nulceus Path SAP TCS Infosys Intuit Legend: (Close to) strong capabilities some capabilities, (close to) no capabilities • Source: October 15, 2013, “Market Overview: Off-The-Shelf Channel Banking Solutions Can Differentiate And Manage Costs” Forrester report

20. Comparison Of Mobile Banking Solutions Fiserv IND Monitize Nulceus Path SAP TCS Infosys Intuit Legend: (Close to) strong capabilities some capabilities, (close to) no capabilities Source: October 15, 2013, “Market Overview: Off-The-Shelf Channel Banking Solutions Can Differentiate And Manage Costs” Forrester report

21. Comparison of mobile banking solutions Fiserv Infosys SAP TCS IND Monitize Nucleus Path Intuit Legend: (Close to) strong capabilities some capabilities (close to) no capabilities Source: October 15, 2013, “Market Overview: Off-The-Shelf Channel Banking Solutions Can Differentiate And Manage Costs” Forrester report

22. Comparison of mobile banking solutions (cont.) Path Fiserv IND Infosys TCS Nucleus SAP Intuit Monitize Legend: (Close to) strong capabilities some capabilities (close to) no capabilities Source: October 15, 2013, “Market Overview: Off-The-Shelf Channel Banking Solutions Can Differentiate And Manage Costs” Forrester report

23. Comparison of mobile banking solutions (cont.) Infosys Fiserv IND Intuit Monitize Nucleus Path SAP TCS Legend: (Close to) strong capabilities some capabilities (close to) no capabilities Source: October 15, 2013, “Market Overview: Off-The-Shelf Channel Banking Solutions Can Differentiate And Manage Costs” Forrester report

24. Agenda • Starting point • Non-participating vendors • Participating vendors • Key findings: Internet-/online-/cross-channel and mobile banking solutions • Recommendations

25. Banks no longer require custom-built channel solutions to compete Check for off-the-shelf solutions first. Build a business case. Consider the impact of up-front investment on your working capital. Compare time-of-availability of a custom-built solutions with all desired features with the best road mapped, off-the-shelf solution at that time. Keep in mind: The best channel solution cannot fully deliver on its promises without a modern back end.

26. Jost Hoppermann +49 699.592.9837 jhoppermann@forrester.com