Decision Enablement Solution
for Retail Banking
Fast, accurate, multi-dimensional insights
Highlights
• Funds flow analysis with a deep
dive into the inflow and outflow by
transaction type and trend over a period
of time across customer segment and
vintage
• Morning briefing for the Banking heads
at various levels, with heat map giving
a quick insight into the revenue across
product lines and colour coded target
achievement for the month
• Branch Profitability report with income
across product lines, expenses and 12
months trend
• Delinquency reports across buckets,
cost of collection to recovery ratio
• Reports that can subscribed to at a pre
determined frequency
• Visual insights for quick view on key
metrics and what-if scenarios
Biz$core Retail Banking Solution enables powerful insights to drive
innovation in the Retail Banking business. The solution is delivered
on an analytical data mart built specifically for Retail Banking. Data
Integration into this data mart is made seamless from source systems
such as Core Banking, Payment Systems, CRM and Loan Originations.
The solution is designed to present the bank’s operations centered
around key activities helping the bank take decisive action based on
the information presented.
The solution delivers a series of modules, reports and dashboards that enable the bank
to better understand its operations. They also help understand whether the strategies and
tactics adopted by the bank to meet its stated objectives are indeed having the desired
effect.
The solution integrates with a performance management module that helps define Key
Performance Indicators (KPI) for the bank and track KPI performance against set targets.
A KPI and goal driven approach to Business Intelligence that the Retail Banking Solution
provides is a powerful tool to help analyze data and move towards decisive actions that
support the stated objectives.
Biz$core Retail Banking Solution Coverage
• Over 30 Dashboards, 20 Analysis Templates,
150 Reports, 100 KPIs and 100 Alerts
• Focus on Customer Acquisition, Cross-Sell,
Portfolio Management, Credit Quality and
Profitability Analysis
• Customer Segmentation & Product Penetration
Analysis
• Attrition Alerts based on product activity
• Analysis of the portfolio using multiple attributes
Dashboards Include
•
•
•
•
•
•
Sales
Liability funds flow
Portfolio
Delinquency
Profitability
Executive summary
•
•
•
•
•
New customers by Product
Cross-sold customers by Product
Average balance
Cost to Income, Fee to Operating Income
Loans to Deposits
KPIs Include
Questions Answered
•
•
•
•
Sales performance and product profitability
Penetration of products across portfolio
Products per customer & cross-sell potential
Funds flow stability
•
•
•
•
Retail Assets : Secured and Unsecured
Retail Liabilities : Time and Demand
Investment & Insurance products
Credit Cards
Subject Areas Covered
Reports Include
•
•
•
•
•
•
Income Analysis
Customer Acquisition
Loans origination
Limits Analysis
Channel Management
Collections Analysis
•
•
•
•
•
CASA Balance fall > x%
Pre-closure rate for long term loans
TD break before maturity > x
Large credits into CASA > x
Cancellation rate for new customers > x %
Alerts Include
Copyright © 2013, iCreate Software. All rights reserved. This document is provided for information purposes only and the contents hereof are subject to change without notice. This document is not
warranted to be error-free, nor subject to any other warranties or conditions, whether expressed orally or implied in law, including implied warranties and conditions of merchantability or fitness for a
particular purpose. We specifically disclaim any liability with respect to this document and no contractual obligations are formed either directly or indirectly by this document. This document may not be
reproduced or transmitted in any form or by any means, electronic or mechanical, for any purpose, without our prior written permission. iCreate Software and Biz$core are registered trademarks of iCreate
Software. Other names may be trademarks of their respective owners.
Integrate your Bank’s Intelligence quickly with Biz$core
Benefits
Business Performance
• Increased productivity
• Accurate reporting
• Quicker decision making
• Increased business user enablement and
reduced burden on IT
Efficiency
• Improved personnel productivity
• Accurate, consistent, timely reporting
Biz$core runs off an OLAP based centralized data repository. Integrating data from various
sources using adaptors feeding into a well-defined data model, the design is robust and
at the same time flexible enough to accommodate the required intelligence requirements.
Pre-built dashboards and reports containing important metrics and analysis by the most
important dimensions are ready-to-use built into Biz$core. Also, the reports built for more
detailed analysis are available within each solution addressing the reporting needs of the
specific areas of business.
In addition to quick implementation of the Biz$core solution, the central repository contains
a plethora of information that can be used to further enhance the intelligence available to
users and deliver much greater business value.
Biz$core Suite of Banking Decision Enablement Solutions
• Flexible on-demand reporting
Retail Banking
Robust Information Delivery Framework
●
●
• Extensibility and scalability
●
●
• Extending business content
Credit Cards
Retail Lending
Retail Liabilities
Sales & Distribution
Operations
●
●
●
●
Corporate Banking
Customer Behavior
Loyalty Program
Sales & Distribution
Operations
●
●
●
●
Corporate Lending
Corporate Liability
Trade Finance
Treasury & AuM
Analytics 360 - Executive | Customer | Branch | Channel
• Incorporate additional source systems
Growth Solutions - Sales Effectiveness | Cross-sell
GRC Solutions - Regulatory Reporting | Basel X | ALM | IFRS | Fraud | AML
• Platform agnostic
Performance Management Solution - Pre-defined KPIs & KRAs
Platform Solutions
●
●
●
●
Platform Extensions
Pre-built Banking BI content
Solution Data Marts
Metadata Management
Data Integration Framework
(Source system data adapters)
●
●
●
●
●
Master Data Management
Enterprise Data-warehouse
Data Quality Solutions
Ad-hoc Reporting
Mobile BI
Biz$core Retail Banking solution is an integral part of the Biz$core Banking Decision
Enablement Solution Suite, that is built using iCreate’s pioneering ‘Banking Intellisense’
philosophy which believes in being an invaluable partner in the bank’s ‘information value
journey’. This has helped iCreate design, develop and deploy innovative banking solutions
that integrate and transform the information resident in diverse systems into decisionenabling insights; that banks can leverage to create and sustain their leadership position.
Banking Intellisense manifests as enterprise-class banking solutions, premium value
services and innovative engagement models. Banking Intellisense at iCreate continues to
evolve and deliver compelling value solutions to prominent banks worldwide.
Getting started
To request for a demonstration of how your Retail Banking business can quickly create a
decision-enabling system with Biz$core, please send an email to info@icreate.in
About iCreate and Biz$core
iCreate is a ‘Business Intelligence for Banking’ specialist with an established presence in Africa, Asia-Pacific, Middle East and Europe.
Biz$core - iCreate’s unique, integrated BI, Analytics and Performance Management solution, that integrates with standard banking systems, ensure
banks have a fully functional BI solution running very quickly, at the lowest TCO and with advanced solutions in areas such as Retail Banking, Corporate
Banking, Analytics 360, etc. iCreate is a winner of several premier industry recognitions including the Red Herring Asia 100, Deloitte Technology Fast
500 Asia and the NASSCOM Emerge 50; an endorsement of its unique ‘Banking-specific Business Intelligence’ proposition.
BANGALORE 1 (HQ)
# 41, 6th Block
17th Main 100 ft Road
Koramangala
Bangalore 560 095. India
Tel : +91 80 405 89 400
BANGALORE 2
# 572, 20th Main
8th Block
Koramangala
Bangalore 560 095. India
Tel : +91 80 405 89 400
MUMBAI
Level 9, Platina, Block G
Bandra-Kurla Complex
Bandra (East)
Mumbai 400 051. India
Tel : +91 22 395 30 569
PHILIPPINES
Regus Philamlife Centre Inc.
18th Floor, Philamlife Tower,
Paseo de Roxas,
Makati City 1226
Tel: + 63 (2) 830 8420
VIETNAM
6th
Regus Hanoi Press Club
59A Ly Thai To Street
Hoan Kiem District
Hanoi, Vietnam
Tel: +84 4 3934 4991
UK
Acre House
3-5 Hyde Road
Watford Hertfordshire
WD17 4WP, UK
SOUTH AFRICA
128, 10th Street
Parkmore
Sandton 2196
South Africa
Tel : +27 11 666 4787
info@icreate.in | www.icreate.in | www.bizscorebi.com
WE PUT THE BANKING INTO BUSINESS INTELLIGENCE
KUWAIT
# 498-A, Street No. 303
Road No. 2 (Off Khalid Bin
Abdul Aziz St 602),
Mubarak Abdulla
Al Jaber Area, Block# 3,
Kuwait
Tel : +965 972 79 136