Post on 26-May-2015
description
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