1 BFSI Solutions. 2 Compliance and Regulatory Solutions Customer Retention Toolkit - Transition from Product Centricity to Customer Centricity Operational.

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BFSI Solutions

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BFSI Solutions

Compliance and Regulatory Solutions

Customer Retention Toolkit - Transition from

Product Centricity to Customer Centricity

Operational Excellence - Clarity in a Fuzzy World!

Consultancy, Testing, Audit and Training

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Compliance and Regulatory Solutions

ISO and ISMS Compliance

Basel II – Capital Adequacy Reporting

AML

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ISO and ISMS Compliance

Challenges

Solutions

Benefits

Compliance Management services - manage cross-industry mandates and regulations such as: ISO 9001:2000 (QMS) ISO 27001 (Information Security Management System) Sox

Consistent compliance and controls across the enterprise Automated information flows Streamlined controls management Compliance dashboards Integrated document management

Stand-alone Application Manual paper-based systems No clear visibility in organizations‘ risk and compliance profile

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Basel II – Capital Adequacy Reporting

Challenges

Solutions

Benefits

Sra provides BI framework that has:

Built-in capital calculation engine An extensible data rationalization capability

Leverage the existing investments - reducing cost in infrastructural upgradation Make better and consistent decisions Superior capital allocation and risk-based pricing Improved provisioning

Upgrading existing Core Banking System Organize effective internal credit rating methodologies Flawlessly pulling “risk context” specific data from disparate systems Performing difficult computations and consolidating data with consistent aggregates Necessitating cross-board training on Basel II compliance

Centrally manage and integrate multi-functional data pertaining to finance, operational, credit and market risks

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AML

Challenges

Solutions

Benefits

SRA provides “risk and lawfulness” validation engine that adds an intelligence layer to

existing Core Banking System.

The built-in intelligent engine control processes and automatically identifies invalid

transactions and quarantines them.

Reducing risk by identifying and isolating risky transactions Complete compliance with regulatory mandates Integrate with the Core Banking System and perform in-flight quarantine of invalid transactions

Difficulty in extending Core Banking System to track legal transactions Regional variations in business processes and regulatory mandates Complexity in applying the same rules across branches Dynamically changing business rules

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Customer Retention Toolkit – Transition from Product Centricity to Customer Centricity

Customer Intelligence

Analytics

Relationship Based Pricing

eSmart Statement

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Customer Intelligence Analytics

Challenges

Solutions

Benefits

SRA's strong analytical platform, a pre-packaged Business Intelligence Datamart empowers

banks to make better decision.

Leveraging existing data investments Obtaining calibrated perspectives on the customer patterns Effectively selecting data from complicated Core Banking System to simple excel sheets Need for intelligent semantics to be associated with data with a high degree of diversity

Difficulty in extending Core Banking System to track legal transactions Regional variations in business processes and regulatory mandates Complexity in applying the same rules across branches Dynamically changing business rules

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Relationship Based Pricing

Challenges

Solutions

Benefits

SRA’s dynamic customer-relationship centric Data Model provides:

A consistent, integrated perspective of data breaking down internal lines of business and

channel silos

A built-in rules engine to make pricing exceptions factoring customer loyalty and

worthiness

Flexible and centralized pricing mechanism Consistent customer-sensitive pricing policy Addressing the overall returns from customer’s use of various products or services Consolidating billing and accounting at the customer relationship level

Expensive and risky to extend existing Core Banking System Need to archive and analyze complex customer data with multiple levels of aggregation Need for a robust Data Model to consistently compensate customers

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eSmart Statement

Challenges

Solutions

Benefits

The eSmart Statement provides drillable hierarchy of transactions across all the products

selected by a customer.

The eSmart Statements have business logic, finance calculators, etc., embedded into it.

They also have the capabilities to enable cross-selling/ up-selling and targeted advertising.

Enhanced customer care Reduced call centre loads Central management of disputes and other issues Increased revenue through up-selling/ cross-selling products through the interactive statement Drastic reduction in customer complaints resolution time

Wean customers from paper statements to electronic statements due to operating efficiency gains.

Identifying value/ benefit in adopting eStatements

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Operational Excellence – Clarity in a Fuzzy World!

Account Origination

Automation of Non-core Processes

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Account Origination

Challenges

Solutions

Benefits

SRA offers an end-to-end account opening solution - from data capture to verification

An integrated workflow engine that defines the process, routing and approval mechanism

Helps in lowering operational costs by eliminating the redundant processes

Centralized transaction from customer interview to account origination Single interface for credit and identity verification Rules based workflow for approval Greater revenue growth with lower operational costs Compliance with KYC norms

Complexity in managing a unified account opening process across multiple products Rule driven interactions between people and systems Complex multi-step processes involving people playing different roles Frequently changing business processes and rules

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Automation of Non-core Processes

Challenges Benefits Rich web-based applications is generated

automatically User interface has built-in validation Applications seamlessly connect with CBS as configured Strict role driven access privileges are created dynamically Each application has a built-in ‘Business Activity Monitoring’ support Static reports shall be generated on demand Online analytical processing cube gets created automatically At any point the application can be reconfigured and published

A single engine cannot solve each organization's specific needs. High cost of development of custom applications High turn around time and associated costs of implementing a change High risk of IT becoming the bottleneck

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Automation of Non-core Processes

Solutions

SRA offers PROOF - a robust, highly customizable, process management suite

(connecting people, process and information)

PROOF provides:

Powerful web-based graphical process modeller (building a process)

Defining, modifying, creating and publishing multiple versions of applications from

anywhere in the world

Built-in rules modeler and rules execution engine

Automatic User Interface (UI) generator

Flexi-pipe driven event infrastructure to connect any type of external applications (HIS,

ERP, Legacy systems and much more…)

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Other Services

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Consultancy Audit Training