Rubik Financial - Introduction- March 2012

An Introduction

Who are we?

36%

13%

51%

Top 10

Next

10

4,014

investors

What do we do?

Sell Make buying painless.

Provide your team the knowledge to offer the right product at the right time.

Serve Same details in every channel

Clear overrides and how to get them.

Self service whenever possible

Engage Reach your customers anytime, anywhere on any device

• Branch

• Phone

• Mobile

• Internet

• iPad

• ....?

Grow Access a worldwide product catalogue

Proof the product now!

Pilot quickly

Scale with your success

Rubik builds software for banks to...

Why buy from us?

Multi Brand

Company

Language

Country

Time-zone

Design Customer relationships at the centre of design

Integrated across business lines

APIs to allow extension and easy integration

Secure ISO 27001 and PCI

Regular Pen tests

Screening

Full BCP and DR Sites over 300km apart

High availability configuration (99.5%)

Non-stop 24x7

Pay Pay-as-you-Go pricing

Short implementations

Dot Net and SQL based for low cost development

Regular upgrades

Rubik builds software for banks that is...

Rubik's mission and vision

Mission

Rubik Financial will achieve compelling growth in shareholder value through exploitation of profitable

niches within the financial services sector.

Vision

Deliver a flexible, low cost, hosted, “Bank-in-a-Box” technology platform to financial institutions.

Bank-in-a-Box

Flexible A suite of integrated systems for meeting banking system needs

Low cost Decrease complexity & cost of technology

Hosted Provide a secure, highly available, compliant environment

Long Term Strategy - 5 to10 years

• Deliver lower costs of products and services to consumers (members) by

decreasing the overall cost of delivery

• Reduce technology spend to reduce cost-to-income ratio

• Manage entire technology needs of 75% of all financial institutions in

Australia and New Zealand – ie. deliver scale benefits to the majority of

Financial Institution market

• Deliver specialist product solutions to T24 customers and financial

institutions worldwide

• Provide a multi-tenanted, highly configurable ‘Bank-in-a-Box’ capability with

services priced “pay-as-you-go”

Financial services is IT Intensive

Private High Worth Premium Mass Market Value

Customer Segments

Branch Internet IVR/Call Centre

Broker ATM/ EFTPOS SMS/Mobile

Distribution Channels

Commercial Insurance Savings Accounts Overdrafts Credit Card

Transaction Accounts

Managed Funds Equities Consumer Loans Home Loans

Products

Customer Data Audit Interfaces Reporting Security

Documentation General Ledger Payments Imaging Authorities

Infrastructure Services

Collections Phone Internet Core

Secure Portal Agency Management

Delinquency

SPX Payments

Exchange

Product offering today – in-house or on demand

Already hosted for customers by Rubik

Bank-in-a-Box

Card Management

Bpay

Online Banking

Online Applications

Factor2

Phone Banking -IVR

VoIP Systems

Mobile Banking

Cash Dispenser

Tablet Apps

1st Party - CWX

3rd Party - Mercantile

Legal Recoveries

Value added at each level

Rubik is assisting the technology teams of institutions by freeing them up to do “high value” business tasks.

Just as assembling boxes and running data centres has become a specialist task, the basic operation and management of core applications can now be handled by a partner, allowing staff to focus on configuration and new product delivery.

• Products • Fees • Workflows • Branding

• Localisation • Regulatory Reporting, • Interfaces • Channel Products

• Core system • General Ledger

• Networks • Hardware

What’s in the Box?

Direct Entry

ATM/EFTPOS

RTI - Rubik Transaction Interface

Collections

Cards Member Cheque

CUSCAL, INDUE, WIBS

BPAY

Other FI’s: Wpac, ANZ,

CBA, NAB etc

External Parties: APRA, ATO, Austrac, AFIC, ASIC, Veda, Experian

Channels: Internet, Mobile, Phone, Tablet Banking, SMS Banking

FDI, WIBS

Branches

T24

Accounts – Members – Rules -Processes - Transactions

Interface Layer

Interface Layer

Security Layer

Security Layer

Loans - DI

Bpay View CRM

ERP

T24 modules “in the box”

Deposits

Savings

Mortgages

Consumer Loans

Card Management

Open Financial Service (OFS) – Web Services - SOA

Security Management System

Process Workflow

OLAP Data Store Data Warehouse

Co

mp

on

en

ts

Web BPEL Engines Call Centre Branch Mobile IVR Other Systems

Advices

Statements

Sweeps

Accounts

Direct Debits

Cheques

Standing Orders

360 ° View

Customer

Past Due

Funds Transfer

Tax Engine

Teller

X-Selling

Document Mgt

Image Mgt

Card Management

Banking GL

Limits

Collateral

Contact Log

Commercial Loans

Cash Management

Guarantees

Leasing

Trade Finance

Comm. Bills

Product Catalogue

Campaigns

Analytics

Dev Tool Kit

Business Insights

Multi Time Zone

Multi Company

Multi Language

STP Repair

Branch Resilience

Profitability

Discount Loans

Wealth Mgt

IAS 39 - Hedging

Asset Mgt

Margin Trading

Order Book

Modelling

Performance

Settlement

Fiduciary Deposits

Market Risk

Basel II / III

Sweeps/DD/SO

Euro

S.W.I.F.T.

Nostro Recs

Custody

Capital Markets

Forex

Money Market

Swaps

Futures / Options

Repos

Structured product

FRA

Confo Matching

Corporate Actions

Syndicated Loans

Brokerage

T24 – The Leading Core Banking Solution

• Broad, modular functionality

• Customer relationships at the

centre of design

• Integrated across business lines

• Process workflow to channels

• Mission critical - 24*7 Non Stop

• Massively Scalable

• Multi: Company, Language,

Country, Time-zone

Single Product

One T24

Flexibility

Parameters,

technical extensions

Open

Platform, Design,

Database, Connectivity

Simple Upgrade

Automated,

Annual

T24 - R&D spend = Strong Roadmap

Temenos*, 19.91%

CB1, 3.76%

CB2, 14.71%

CB3, 14.22%

CB4, 5.6%

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

2003 2004 2005 2006 2007

% o

f re

ve

nu

e

% of revenue on Research & Development

R06 – 2006 •Non-Stop •Multi Book •Global Processing •SEAT Metrics

R07 – 2007 •Enterprise Console •Branch Resilience •Mutual Funds •Product Catalogue

R08 – 2008 •Data Warehouse •Arrangements •ARC / CRM •ARC – IB •Browser 2

R09 – 2009 •BPEL / BAM •Model Processes •Structured Products •T-Verify •Updates

R10 – 2010 •Corporate ARC-IB •Alerts •Provisioning •RIA Browser •GA

R11 – 2011 •AJAX screens •Additional AA •Wealth •BI/MIS additions •IFRS

Phone Banking

• 180 installations with 150+ ADI’s using system in Australia

• Analogue, digital or VOIP

• Many features

• Balances

• Transactions

• Payments

• Process automation

• Limit controls

• Locator services

• Hosted or in-house

• Disaster Recovery site

PABX

IVR

Phone

Banking

RTI

Host Interface

Reports Management

Console

VOIP

PSTN

E1

Internet

Database

CORE

Mobile Banking

• Many phones supported, including

iPhone, BlackBerry, Android and

Nokia

• Audio enabled

• Easy to use & intuitive User

Interface specifically designed for

the mobile phone - not a scaled

down standard Internet banking

app

• SMS and mobile broadband

solutions to meet local market

needs

• Banks already seeing more mobile

users than web!

“Gen 3” - Internet Banking

• Ability to customise for every

customer

• Highly secure • Layered security

• Session Replay

• Function containers

• Massively scalable with over 50K

concurrent users per server

• API to add further services or

partners

• Tablet ready

Card Management System

• Inexpensive system with multi-

brand / multi-bin

• Browser based for mobile

deployment

• Either use batch card production

or personalised cards

• Pay per brand and card

Gateway Card

Updates

Settlement

Reports

EFG

Transaction Processor

CMServer

(Backend)

CMS

Web Interface

CMS

Database

User User User

ATM/EFTPOS

Other Financial

Institutions

Transactions

SWITCH

FDI / CUSCAL /

WIBS

CORE

Bpay Biller & Payer

• Biller - Allows organisation to

rapidly create and manage billers

• Payer – drives the value

processing of Bpay files

• Browser based so authority can

be devolved to customers

• Could be used for business

customers, or for customers of

your clients

ELUS BPAY Biller

Web Interface

Other

Institutions

User User User

BPAY Biller

Driver

Card

Management

System

Payment

Files

BPAY

System

BPAY

CORE

SPX - Settlements & Payments Exchange

• Integrated payment platform

• Hosted payment processing for smaller banks

• Inter-bank Settlement & Payments across branch network / subsidies

Cheques

Money Transfers

Bill Payments

Utility Payments

Creditor Settlements

Dividend Payments

Salaries & Wages

Unemployment Benefits

Direct Debits

ACH Payments

Across any Financial

Institution

Cheques, Money order

printing &

Reconciliation

Bill Payments to

utilities/service

companies

EDI Settlements to

registered EDI

participants

CWX

A single platform that consolidates all relevant information of a customer and their accounts to provide a full view of the customer exposure to your organisation.

Additional Modules • Agency Management • Legal Module • Management Console

External • Analytics • Scoring • Data Warehousing

Core • Customer/Account • Loan • Mortgage • Scoring

Customer • 360 degree view • Workflow • Correspondence • Reports/ Export

Management Console - Promises

Secure Hosted Environment

•High physical security, including Biometric Entry, anti-ram, 4 ISPs, 2 power providers and warm diesel backup etc. •Highly Protected T4 rating from ASIO and DSD •Sites over 300km apart •ISO 27001 & PCI certification •High Availability configuration (99.95% )

Decreasing costs by:

• Lower selection cost

• Reduce cost of sale / selection by grouping core system selection processes for multiple

clients at once

• Pricing, contracts and offering transparent to decrease negotiation cycle

• Lower implementation costs

• Centralised hardware platform already operational ensures:

• Design and Set-to-work not required

• Virtual servers and SAN scale with demand

• Pre-integration with third party connections eg. ATM, EFTPOS, Bulk Payments

• “Commodity” based choices for key hardware and software

• Rapid gap analysis of product and workflow differences from “Model” starting point given

common offerings

• Lower cost of ongoing usage

• Pay as you use / volume based pricing

• Access to large developer pool given dot net and SQL development environment

• Single annual upgrade process managed by Rubik for all customers

• ‘Open” system so data and development not hostage to hosting provider

Benefits Rubik provides

• Resources & Skills

• 65 staff with domain experience in banking

• Specialty skills in integrations to core systems

• Local / Global partners on call

• Lower project risk

• Proven and stress tested infrastructure

• Prebuilt basic design elements

• Tight scope/gap control

• Certified interfaces

Final Slide

Rubik Financial Limited

ABN 51 071 707 232

• 10/17 Castlereagh St, Sydney, NSW

• 1/1 Eden Park Drive, Macquarie Park, NSW

• 4/68 St Georges Terrace, Perth , Western Australia

• 24/22 Clifford Centre, Singapore 308900

• PO Box 213314 Dubai UAE

PO Box 4808

Sydney NSW 2001

Phone: +61 2 9488 4000 Fax: +61 2 9449 1116

www.rubik.com.au