Banking

the way we do it

Retail Banking Solutions

Innovation is the key to competitive advantage

Changing customer demographics. New market opportunities. Declining fee income and net interest margins. Todays competitive environment is presenting banks with some of their toughest challenges as they look to improve growth, protect and find new sources of income and update or replace core systems. What matters most is innovation with positive impact. Achieving it will not only lead to differentiation but the ability to capture customers mindshare and execute faster and better than your competition.

Capgeminis banking professionals are uniquely qualified to be your strategic partner in the creation of high-value, sustainable strategies for growth and transformation. We:
n

Deliver truly end-to-end solutions through an integrated global delivery model Transform value added deliver ideas into breakthrough technology solutions, which are both cost-effective and innovative Focus exclusively on financial services and includes consultants, industry and functional experts and solutions developers

Named as one of the top 25 Enterprise Technology Vendors on American Bankers Financial Insights list of top 100 Financial Services Technology Providers for three years running.

Provides expertise to extend your technology operations beyond the borders of your institution, seamlessly Fosters high-touch, long-term relationships to support your business needs and goals, not just the next project

of customers across all business lines. Without the elimination of disparate systems and user experiences across branch, online, call centers, ATM and VRU, it is impossible for your bank to provide consistent levels of customer service and drive clients to preferred lower cost delivery models. Core Banking & Integration Services The implementation of new software due to new point solutions or a change in core processing systemsrequires large systems integration efforts that can distract banks from their core business. With increases in bank acquisitions, many financial institutions have overtaxed internal resources. The ability to provide banks with supplemental project mangers, systems integrators and business process consultants can help you meet required deadlines. Compliance & Risk Management Banks are faced with an increasing number of regulatory compliance, operational risk, credit risk and fraud issues. The combined costs of regulatory compliance and losses surrounding fraud and loan have created the need for sophisticated yet cost effective solutions. The market offers banks many tools to meet these needs. We can help you choose the ones that work best with the risk profile of your institution and your available support team. Since these activities are non revenue generating, you need to achieve compliance and minimize risk at the lowest possible cost. By using a mature global delivery model which provides domain expertise down to the keyboard, Capgemini can help.

Our global Banking Center of Excellence provides thought leadership, anticipates the industrys emerging trends and communicates them to our clients through the annual World Retail Banking Report. This years report, produced in partnership with UniCredit and Efma, reveals trends towards global operating models for long term strategic value. In addition to our global network of over 12,000 professionals dedicated to the financial services industry, we also employ industry leading partnerships. Our collaborative alliances include partnerships with IBM, Microsoft, Oracle, SAP, i-flex, Swift, Teredata, SAS, Fiserv and Seibel plus specialty partners such as Chordiant, SunGard and Thomson Financial. Capgemini has proven expertise in all areas of retail banking. Our clients rely on us to anticipate industry trends and develop transformational strategies to gain competitive advantage. Sales & Service Innovation Banks are faced with the need to leverage sales and provide better service through multiple delivery channels. We can help you find ways to generate increased sales from existing investments in traditional bank branches by utilizing new branch design and improved technology to increase the productivity of employees. A central requirement for successful customer service and cross sales is providing a complete view

Banking

the way we do it

In Practice: Harnessing Value: A Single Customer View is Industry First at KeyBank

After years of expansion and acquisitions, KeyBank has grown to a $92 billion asset bank with more than 2.4 million customers. If it was going to improve its competitive profile, the bank needed to become more client focused. Like most banks, KeyBank was organized around lines of business. With a strong commitment from executive management, the bank embarked on a growth focused client experience initiative aimed at fundamentally changing the way KeyBank interacted with its customers. The Solution: Capgemini helped KeyBank select and deploy a single, enterprise-wide Siebel-based platform. The system provides a single view of the customer across three different lines of business. The Siebel-based workstation provided a technical backbone for the transformation initiative. Results: n The Siebel workstation has been rolled out across KeyBanks retail and wealth management businesses. Follow-up on leads have improved by more than 500%. Sales representatives now have access to rich and timely information about customers including third party dataand can see a holistic view of their customers relationships with the bank. Cross-selling opportunities have nearly doubled.
n

To deliver our solution, Capgemini used iterative process development and leveraged our Rightshore model providing services from Accelerated Development Centers in Chicago and Bangalore, India. This global approach allowed us to fast track the project by leveraging technology skills to meet tight deadlines while still working in close partnership with KeyBank.

Maximizing Business Intelligence Investments Nearly all banks have made a significant investment in data warehouses or business intelligence centers. Most would agree that they have yet to maximize the value of these investments. Major issues include the integrity of data, the ability to aggregate and display information across all business lines, and the ability to turn the data into actionable information. Capgemini has experience leveraging data warehouse investments to address a variety of business needs including marketing campaigns, regulatory compliance, risk management, 360 degree client view and management reporting.

Item Processing Transformation The electronic capture of checks at businesses, branches and ATMsand the exchange of images for settlement purposesis changing banking forever. Capgemini can help you choose and implement a technology, review branch processes and evaluate proof and backroom departments for next day processing and float management. As more transactions become electronic and real-time, we can help further reduce costs by moving back office functions offshore.

www.capgemini.com/financialservices

Dynamic Pricing & Packaged Products One of fastest growing trends in retail banking is innovation in the areas of dynamic pricing and packaged products. Pricing for services and payment of interest based on a variety of criteria will create a new generation of consumer products. The ability to adjust pricing based on balances, profitability, channel usage and other factors will require strategic planning on the front end and significant systems development for implementation. The delivery of sophisticated product packages to

attract and retain customers through their entire life cycle will be a growing trend in banks. Capgemini can help you plan, design and implement the systems that will be required to deliver these products. The cost and speed to market requirements for such projects requires a development partner with strong domain expertise and global sourcing capabilities, and Capgemini is a worldclass player in both arenas. For more information, contact us at
banking@capgemini.com

About Capgemini and the Collaborative Business Experience

Capgemini, one of the worlds foremost providers of Consulting, Technology and Outsourcing services, has a unique way of working with its clients, called the Collaborative Business Experience. Backed by over three decades of industry and service experience, the Collaborative Business Experience is designed to help our clients achieve better, faster, more sustainable results through seamless access to our network of world-leading technology partners and collaborationfocused methods and tools. Capgemini utilizes a global delivery model called Rightshore which aims to offer the right resources in the right location at competitive cost, helping businesses thrive through the power of collaboration. Capgemini employs approximately 92,000 people worldwide and reported 2008 global revenues of 8.7 billion euros. More information about our services, offices and research is available at
www.capgemini.com.
FS200908101237CS

Copyright 2009 Capgemini. All rights reserved.