Finacle Core

Banking Solution
The digital core p ow eri ng
b a n k i n g across th e w orl d

Inspiring Better Banking

www.finacle.com
 n A tomorrow-ready bank needs a digital
core...........................................................................3

Content n
4
9 must-haves in a digital core ..........................................................................................................

n Finacle Core Banking ............................................................................................................................

6

n Our
Promise ...............................................................................................................................................12

n Comprehensive
capabilities .............................................................................................................13

n Advanced technology
platform .....................................................................................................18

n Risk mitigated
transformation .......................................................................................................21
n Innovate
better .......................................................................................................................................24
n Engage better..........................................................................................................................................28

n Operate better .........................................................................................................................................

32
A tomorrow-ready bank
Legacy Core – A drag on digital transformation
needs a digital core and business efficiencies
The pandemic accelerated digital adoption in ■ Closed systems – n ot open banking friendly
everyday lives of billions of people globally, exposing
customers
to frictionless digital experiences, pioneered by digital ■ Monolithic design – hard to maintain, harder to upgrade
native businesses and translated into financial services
■ Outdated architecture – no t ready for cloud deployment
by neobanks and fintechs. As a result, t he experiential
gap between an i n c u mb e n t bank and a
■ Low automation – High operational cost
neobank/fintech’s have only grown, resulting in t he loss
of market share and business for incumbents.To ■ Analytical friction –huge effort to extract and process data into
recapture lost ground, banks need to reimagine their
digital journeys, build hyper- personal e nga ge me nt wi t h insight ■ Poor customer experience wi t h limited personalization
their customers and create a frictionless experience in all
aspects of banking. ■ Limited partnership opportunities
Our experience across 100+ countries has shown t hat only
the banks tha t shift to a truly digital core are able to do ■ Limited real-time processing capabilities
this, by building long-term, sustainable competitiveness in
a digital-first environment.

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9 must-haves in a
digital core Cloud native Scalable Continuous product
innovation
To build a robust technology foundation, it is no t
sufficient to merely acquire n ew capabilities;
banks mu s t also ensure th at existing processes
and applications are able to support t he scale of
innovation to follow. From our experience we have
learned tha t for successful digital transformation,
a bank’s core mu s t have the following
nine attributes:

■ Cloud native Open ecosystem Componentized Robust DevOps

■ Scalable design pipeline

■ Continuous product innovation

■ Open ecosystem
■ Componentized design
■ Robust DevOps pipeline
■ Data & Analytics
■ Ubiquitous automation
■ Robust security
Data & analytics Ubiquitous Robust security
automation

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Say hello to
the world’s
favourite Core
Banking solution

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 Finacle-powered banks among the
Finacle Core Banking top 1000 globally enjoy*
An industry leading core for the
digital world

Finacle Core Banking address the Retail, Corporate and 33% higher return
on assets
Islamic banking requirements of financial institutions.
Built on an advanced architecture, t he solution
addresses the deposit, lending, leasing, payments,
supply chain, trade finance and Islamic banking
requirements of banks worldwide, enabling t h e m to
deliver personalized solutions to their customers.
19% higher return
on capital
Finacle’s componentized structure allows banks to
deploy and upgrade solutions flexibly as per their
business priorities. No matter your bank’s size, type or
persona, you stand on a foundation of robust
functional capabilities, mo d e rn architecture, and 3.9% points lower cost to
income ratio
proven delivery expertise to scale your digital
transformation.

*Source – Assessment of t h e t o p 1000 banks in t h e w or ld by

t h e Banker, 2020

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Many journeys, Well-established financial institutions that seek comprehensive
digitization across front-to-back enterprise systems, such as DBS,
one platform Emirates NBD, ICICI Bank, ING, Santander, Standard Bank, and State Bank
of India.
Designed to be as unique
Digital-only banks, branch-less banks tha t seek to integrate into their
as your bank
customers’ digital lives, such as digibank by DBS, Discover Financial
Services, Liv. by Emirates NBD, Marcus by Goldman Sachs, and Nequi
Finacle meets the needs of any type of
by Bancolombia.
bank, at any stage of their transformation
journey. Our comprehensive and versatile
suite powers truly digital transformation Financial technology organizations (FinTech’s) transforming
for financial institutions of all types financial services t hro ug h e merging technology, such as Paytm, and
- established or emerging, global, or Resimac.
regional, omnichannel or digital-only. Non-financial companies, such as telcos, insurers, and retailers,who are
leveraging connectivity to help customers manage their finances, such
as India Post.

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 Finacle Digital Business Engines

Market benchmarking
Retail Core Banking
We have been a leader in this coveted
research f r o m Gartner for consecutively
fourteen years now.

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This graphic was published by Gartner, Inc. as part of a larger research d o c um e n t and should be evaluated in
t he context of t he entire docume nt . The Gartner d o cu m e n t is available u p o n request f r o m Infosys. Gartner does
n o t endorse any vendor, pr oduct or service depicted in its research publications, and does n o t advise technology
users t o select only those vendors wit h t he highest ratings. Gartner research publications consist of t h e opinions of
Gartner ’s research organization and should n o t be construed as statements of fact. Gartner disclaims all
warranties, expressed or implied, wit h respect t o this research, including any warranties of merchant ability or
fitness for a particular purpose.Gartner an d Magic Q uadrant are registered t rademarks of Gartner, Inc. and/or its
affiliates in t he U.S. and internationally an d is used herein wit h permission. All rights reserved

EdgeVerve was recognized as Infosys f r o m 2006-2016 Magic Q uadrant reports

Source: Gartner (February 2022)

Gartner, Inc., “2022 Gartner® Magic Quadrant™ for Global Retail
Core B ank ing”, Vittorio D’Orazio , Don Free , 9 t h February 2022.

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Finacle Digital Business Engines

Market benchmarking
Payments
We are n a me d a leader a mo n g integrated
payments platforms in this coveted research
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payments-2020-op/

IDC MarketScape vendor analysis m o d el is designed to provide an overview of t h e compet itive

fitness of ICT suppliers in a given market. The research m et hodo logy utilizes a rigorous scoring
m et hodo logy based on b o t h qualitative and quantitative criteria t h at results in a single graphical
illustration of each vendor ’s position wit hin a given market. The Capabilities score measures
vendor product, go-to-m arket and business execution in t he short-term. The Strategy score
measures a lign me nt of vendor st rengths w it h customer requirement s in a 3-5 year t imefr am e.
Vendor m ar ket share is represented by t he size of t he icons.

Source: IDC MarketScape: Worldwide Integrated Payment Platforms 2019-2020

Vendor assessment, by Aaron Press, February 2020

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Most awarded Celent Model Bank Award 2021 MEA Awards

solution suite in n Bank BRI –

Pinang
n Best Digital Banking
Innovation
provider – Infosys Finacle
the industry Juniper Future Digital Awards
n Kasikorn Line - Line n Sharjah Islamic Bank
bk
Finacle and its clients have w o n transformation Programme
Global Banking and Finance Awards
26 industry awards for exemplary Infosys Finacle
IBSi NeoChallenger Bank Awards
transformation programs in t he n The Next 100 Global Awards 2021 – n Emirates NBD
year 2021. This makes Finacle t h e Banking Technology Liv.
n Kasikorn Line
m o s t awarded solution suite in n Best Islamic Banking Technology
The Asian Banker Awards
the industry. Provider Middle East 2021
n First Bank of
W i t h clients
Nigeria
n Santander UK n I&M Bank Limited
PLC n Kasikorn Line
n Punjab National Bank
n Kasikorn Line Company n Punjab National Bank
Limited n RAK Bank
IBSi FinTech Innovation Awards
n Bank of MEA Finance Awards
Baroda n Digital Banking Provider of t he
n ICICI Bank
year
– Infosys Finacle
n Kasikorn Line
n Santander UK

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Our Promise: Engage, Innovate and Operate Better –
a sustainable digital business advantage
We enable banks to compose frictionless and scalable offerings w i t h agility. Our digital core will help you to
continuously g et better at innovation, go-to-market speed, personalization and building n e w revenue
streams.
Finacle’s approach to your digital transformation

Comprehensive Advanced technology Risk mitigated

capabilities platform transformation

Our approach

Innovate Better Engage Better Operate Better

Openness and Deeper customer Extensive aut omation
agility for innovation- engagements & operational
led g r o w t h excellence

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W i t h th e successful deployment of
th e Finacle Core Banking Solution,
we have t h e ability to respond to
customer needs, t h e scalability to
adapt to market requirements whilst
providing th e superior customer
experience required in today’s
competitive digital age.
Boe Hartman
Chief Technology Officer,
Marcus by Goldman Sachs

Source : Press Release

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Comprehensive
capabilities
Feature-rich solution suite
to effortlessly power banks
anywhere in the world

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Build your
strategy with a Deposits Retail lending & Corporate lending &
comprehensive leasing leasing

platform Term deposits | Top u p deposits

| Recurring deposits
Personal loans | Vehicle loans
| Student loans | Ho me loans |
Term loans | Syndicated
lending | Commercial lines of
A comprehensive suite of | Flexi Fixed deposits | Overdrafts | Operating & credit | Asset based lending
capabilities helps banks build Certificate of deposits... Financial | Loan Servicing... | Securitization |
a robust digital banking Structured Lending…
foundation to engage, innovate
and operate better.

Supply Chain & Islamic Accounts

trade finance banking

Letter of Credit | Bank Islamic Deposits and Savings | Checking | Money

Guarantee | Bills | Factoring Financing – Mudaraba, market | Brokerage | IRA |
| Islamic Trade | Finacle Murabaha, Wakala, Wadiah, Prepaid | Group savings
Trade Connect ... Ijarah, Murabaha, Salam, account | Overdraft account
Istisna etc. |Islamic Trade | SME account...
Finance ...

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Comprehensive capabilities Product factory: Finacle offers flexible product factories wi th
comprehensive parameterization and reusable business
powering current and rules, predefined reporting, and operational parameters,
accelerate product innovation and delivery.
emerging requirements
The Finacle Core Banking Solution enables banks to take Customer-Led design: The solution enables customers to
n e w products across Retail, Corporate, Private and design and personalize products and services on digital
Islamic Banking segments to ma rk et in quick time. channels, business users can also offer tailor-made products
Different types of banks, microfinance institutions, t hro ug h assisted channels.
fintech companies and non-banking providers can
choose th e comp onents they need to expand their Define once, reuse many times: Finacle provides pre-built
produc t range based on market demand. product templates enabling banks to create or modify
products, and rapidly deploy n ew innovations.

Configure third-Party products: Banks can set u p third-

party products and easily configure rules for a seamless
rollout.

Configure product bundles: Finacle offers product

bu ndlin g and configuration capabilities to improve right-
selling.

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Powering comprehensive capabilities for
our clients across segments

Emirates NBD one of th e largest bank ICICI Bank, India’s leading private
in t he mid d l e east w i t h presence across sector bank w i t h n et assets over
13 countries leverages Finacle core Rs14.35Tn banks on Finacle’s universal
banking to power its retail, corporate banking solutions for serving over 52
and Islamic banking business and can Million customers offering customer
launch n e w products un der a week. centric
banking experience.

Australian Military Bank ,Australia’s longest

serving Defense related financial institution
leverages Finacle comprehensive solution
stack including core, origination , payments to
drive seamless end t o end banking experience
for their customers .

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At AMB, we aspire to be a great niche
bank by transforming into a modern,
nimble, n e w age digital bank. We
chose Infosys Finacle so we could
easily adapt to th e dynamic and
complex banking landscape, while
serving our m e m b e r s ’ financial needs
in a secure manner. The openness of
Infosys Finacle means we can readily
m e e t e me r g e n t regulatory and
customer demands...
John Ford
Chief Executive Officer,
Australian Military Bank Enis Huseyin
Chief Information Officer,
Australian Military17 Bank
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Source: Finacle Innovation Awards 2020
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Advanced
technology
platform
World-class platform
to power present and
future ambitions

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Advanced technology platform
Future proof your investments
The Finacle Core banking Suite enables banks to deploy n e w technologies and do componentized upgrades of existing
solutions, so they continue to provide value.

Cloud-Native – Cloud-Agnostic Suite: The suite can be deployed Componentized Design: Finacle’s componentized structure allows
on a private, public, or hybrid cloud. Finacle applications r un in you to choose any combination of solutions mat ch in g to your bank ’s
an containerized environment orchestrated by Kubernetes, and specific business priorities and modernization strategy.
supports all leading cloud environments, such as AWS, MS Azure,
Google etc. DevOps: Finacle offers a continuous integration and continuous
delivery pipeline along w i th automation tools to build new
Massive Scalability: Finacle suite is proven for h ig h availability and containers and manage the entire lifecycle by providing strict
performance. The suite supports horizontal, vertical, and functional separation of configuration f r o m code, thus ensuring independent
scalability. In fact, Finacle’s largest core banking impl ementati on m a n a g em e n t of applications for deployment.
powers over 500 million accounts.
Data & Analytics: The solutions e m be dd e d real-time analytical
Open API: All of the solution capabilities are exposed t hr ou gh APIs capabilities provides contextual, personalized experiences on all
to enable banks to easily connect and co-innovate w i th customers, channels and devices.
partners, and the extended developer ecosystem. Web-hooks are
available to enable seamless connectivity and also offers event- Robust Security: Finacle offers a robust security foundation
driven data interactions. protecting the infrastructure, data, and application layers. Finacle
solutions are compliant w i t h leading security standards.
Designed for Ubiquitous Automation: The solution offers real-
t i m e straight th r ou gh processing, driven by rules, APIs, and events, Multi * Capabilities: Finacle provides multi-channel, multi-entity,
supported by in-house RPA and AI platforms. multi-currency, multi-byte/multi-lingual, and m u l ti - t i me zone
capabilities to support operations in all major geographies.

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Helping our clients build digital- first
architecture to scale their business

United Bank of Africa, a leading Leading American multinational

African bank w i t h assets over $14.6Bn investment bank and financial
banks on finacle to ru n their multi - services company w i t h over 67Mn
co untry and m u l t i entity customers, banks on Finacle to power
transformation across 19 countries. their international commercial
banking
operations across 30+countries.

India Post, one of t he Worlds largest

postal service network w i t h over 156,000
branches , runs on Finacle to power its
h u g e transaction volumes for its customer
base of over 500Mn.

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Our future is towards being every
person’s platform of choice t h a t offers
m o r e t h a n just financial services. This
future-ready state requires
technology t h a t fuels innovation and
ensures our services are safe, reliable,
and convenient... The cloud-native
Infosys Finacle universal banking
solution is therefore significant for
t h e success of our strategy

Anton Nicolaisen
Source: Finacle Innovation Awards 2021 Chief Executive,
Standard Lesotho21Bank
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Risk mitigated
transformation
A globally proven, flexible
deployment mo d el

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Risk mitigated transformation
Deploy in any place, at any pace
Finacle empowers banks to mitigate risk and transform and upgrade in a
phased manner. Our approach to risk mitigation is based on five key pillars.

Reference Bank: Based o n our experience in m o r e t h a n 100 countries Choice of Global & Local SI Partners: Finacle works w i t h leading
a nd global best practices, w e offer geo-specific parameterization t h a t global partners like Accenture, EY a n d IBM a n d a range of regional
enables banks to roll o u t products in line w i t h local requirements. i m p l e m e n t a t i o n partners a n d local solution providers offering strong
technology a n d delivery capabilities a n d region- specific k nowhow.
Progressive Deployment and Upgrades: Finacle’s c om po n en t i z ed
structure allows setting u p of flexible moderni zation milestones Finacle Consulting: The in-house consulting t e a m helps banks a nd FIs
to reduce transformation risks while accelerating t h e benefits of decons truc t their digital value chain, bui l d i ni mi tabl e digital strategies,
modernization. accelerate adoption, a n d drive value creation at scale.

Agile Delivery: Finacle leverages Scaled Agile Frameworks for

p r od u c t d e v el o p m e nt backed by strong governance. Banks can
quickly deploy only t h e c o m p o n en t s they need at first a nd a d d
more later.

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Reimagining risk mitigated transformation
for our clients

Punjab National Bank, the second Leading American multinational

largest public sector bank in India, investment bank leveraged
amalgamated w i t h OBC and UNI Finacle’s reference bank approach
covering over 230 M n customers. By to c u t complexity and drive faster
leveraging Finacle Core and Mobile implementation, acquiring 3
teller solutions, t he bank was able to million customers in less th an 24
provide uninterrupted delivery for over months.
14 inter-operable services to its
customers.

C o mmu n i t y Bank Bangladesh, a leading

c o mm u n i t y bank, accelerated core
banking i mp le men t a t i on in just 48 days
led by an experienced Finacle service
partner, onboarding over 200,000 n e w
accounts in a mo nt h .

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Emirates NBD is prou d to receive
these awards f r o m Infosys Finacle. This
reflects t h e continued success of t he
bank’s digitization agenda and our
steadfast c o m m i t m e n t to continuously
improving our IT applications,
architecture and cloud capabilities to
drive internal IT agility and operational
efficiency, while providing t he best
digital innovation for our customers.
Abdulla Qassem
Group Chief Operating Officer,
Emirates NBD

Miguel Rio Tinto

Source: Finacle Innovation Awards Group Chief Information Officer,
Emirates NBD 25 | External Do c u me nt © 2022 EdgeVerve Systems
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Innovate better
Create n e w value and
be m ore competitive

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Innovate better
Unlock ne w revenue opportunities
Finacle helps banks drive continuous innovation and
g r o w t h while creating ne w ecosystems and business
models. Finacle’s extensive open APIs allows banks to
tap partners’ innovation capabilities and c omplementary
offerings, to create fresh revenue streams.

Global Core: Finacle’s core has three layers – a single base Finacle AppCenter: The Finacle AppCenter brings together, an
w i t h innovations a n d best practices, localization c o m p o n en t s , ecosystem of partners to c o m p l e m e n t t h e Finacle solution suite
a n d custom ization components. a nd provides a marketplace for accelerating innovation.

Product Factory: Flexible p r o d u c t factories w i t h comprehensive Finacle API Connect: W i t h Finacle API Connect, banks can accelerate
parameterization a nd reusable business rules to accelerate p r od u c t their digital offerings by leveraging a set of pre-buil t b an k i n g APIs a n d
d ev e l o p m en t a nd delivery. a global ecosystem of third-party applications a nd services.

Product Bundling: The p r o d u c t conf igurator can configure p r o d u c t Innovation Programs: Finacle has developed p rog ram s such as
suites for individual customers or segments. Customers can design t h e b an k i n g visionaries’ council, Finacle client advisory board, joint
their o w n p r o d u c t bundles while banks can defi ne structured hackathons, a nd design t hi nk i ng -l ed workshops b r i n g i n g t og et her
products linked to various underlying assets. Finacle’s t h o u g h t leaders a n d b an k i n g experts to enhance innovation.

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Enabling our clients to become
innovation centric

Paytm, India’s largest marketplace

Union Bank of thePhilippines, one
banking and c ommerc e platform,
of t he largest universal banks in
leverages Finacle to power
Philippines, leverages Finacle core and
marketplace banking and introduce
n e w technologies such as RPA and AI
co mpleme ntary products like overdraft
reimagining business process
loans and deposits, in partnership
automation, be c o min g th e first bank to
w i t h leading banks and powers over
g o paperless in Philippines.
25% of open banking transactions in
India.

DBS is a leading financial services gr oup

in Asia leverages Finacle to build a flexible,
scalable and resilient core banking
plat form delivering simple, convenient and
secure bank ing for their customers.

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…Infosys Finacle has been
instrumental in Union Bank w i n n i n g
t h e Best Digital Bank for 3
consecutive years. They are at t h e
core of our digital transformation and
t h r o u g h their solutions and services,
we are able to launch key digital
initiatives and scale…

Dennis Omila
Source: Finacle Innovation Awards 2020 Executive Vice-President- Chief Information
& Operations Officer,
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Union Bank of the Philippines
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Engage better
Engage customers,
employees and partners
to drive purposeful g r o w t h

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 Unified Customer View: A un i fi e d 360-degree customer view
Engage better across p ro d u c t lines a n d geographies enables banks to
anticipate needs a nd craft tailored solutions.
Driving deeper customer interactions
Customer-Centric Product Design: Finacle enables banks t o
W i t h customers d e ma n d i n g frictionless, design products based o n c ust om er requirements. For
personalized experiences, banks need to example, banks can design loans a n d also customize t h e
loan servicing cycle to individual needs.
harness the power of data-led insights to m e e t
those expectations. Finacle Core Banking has
E mbed ded Analytics: Finacle offers e m b e d d e d analytics
t he analytical capabilities for this. capabilities backed by a u n i qu e e n g a g e m e n t architecture
providing contextual, personalized experiences across
channels a n d devices.

AI-based experiences: S upported by AI platform, Infosys

Nia, a n d t h e Finacle Marketplace, t h e solution facilitates
conversational b an k i n g a n d comm erce. Finacle provides
several AI-based use cases, such as lending, predi ct in g
cus tom er c hu rn etc.

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Driving seamless and consistent experiences
for our clients

Latin America’s largest non-bank One of th e largest banks in th e world

provider of cash advance services leverages Finacle for their wholesale
leverages Finacle to drive faster p rod uct banking clients in Europe and Asian
launches, improve cost efficiencies and offering innovative account and deposit
enable h i g h volume transaction products.
processing.

Sohar International leverages Finacle’s

e mb e d de d analytics to gain deeper
insights and offer contemporary
offerings across various segments, while
reducing processing t i m e by 60%.

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Bank Sohar embarked on a journey to
transform its technology in line w i t h th e
bank’s vision and strategy to become a
digitalized bank & one of t h e m o s t
valuable assets for a digital bank is
analytics & insights. I mp le me nt a tio n of
Finacle Analytics Solution empowers all
our bank employees and m a n a g e m e n t
w i t h t h e right insights to have m o r e
contextual engagements w i t h
our customers.
Mujahid Said Al-Zadjali
Ex-Deputy General Manager –
Source: Video Testimonial IT & Alternate Channels,
Bank Sohar 33 | External D o c ume n t © 2022 EdgeVerve Systems
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Operate better
Digitize and automate
ubiquitously to reduce
costs and service better

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Operate better Traditional Automation Levers: Finacle employs traditional
levers, such as rule-based, API-driven straight t h r o u g h processing
Scale automation to drive lower a nd process orchestration to au t o m a t e activities.

cost-to- income ratio

AI and Robotic Process Automation: Finacle em po we rs
banks w i t h an array of AI-based platforms a nd applications
Digitization is rewriti ng b an k i n g efficiency norms. O n t o reduce cross-application process execution t i m e a nd drive
average, t h e cost-to-income ratio of t h e t o p 1000 banks operational efficiencies.
globally stands at 50 %, w h i c h drops to a bo u t 35-45 % in
t h e digitally advanced banks t h a t leverage automation. To Inter-Organization Automation: Finacle leverages blockchain
c o m p e t e against these players, banks will need t o reduce technology to hel p banks a ut o m a t e inter-organization processes,
cost furt her a n d im prove efficiencies. such as those in trade finance.

Finacle offers straight t h r o u g h processing, su pp orted by an

in-house RPA p l a t f or m t h a t aut om ates workflows across Multi-Country Operational Hubs: Banks can deploy regional/
applications, saving effort, time, a n d money. international processing h ubs for different capabilities a n d reduce
duplicate effort across business units. M ulti -entit y parameters
allow banks to offer customized experiences in each region.

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 Drive extensive automation
Through traditional ways and emerging technologies

Finacle-powered banks achieve

3.9% Lesser cost-to-income ratio as

compared to others*

Traditional Native robotic

aut omation Levers process automat ion
16% Average reduction in cost t h r ou g h
automation, process optimizations and
seamless omnichannel integration*

* Source: Assessment of th e t o p 1000 banks in t he world by t h e Banker,2020

Inter organization Multi-country

automat ion operational hubs

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Creating multi-country hubs to
unlock operational efficiencies

The largest public sector bank in India

Bancolombia ,The largest commercial
leverages Finacle to create mul ti-
bank in Colombia leverages Finacle to set
co untry hubs supporting operations
u p multi-lingual operational h u b across
across 24 countries.
their international operations in Latin
America, driving cost and operational
efficiencies.

Third largest Australian bank w i t h

operations in over 30 countries banks
o n Finacle for driving its mul t i-
c ount ry operations across t he
regional o n a single instance.

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Using Finacle solutions, Santander
will provide our corporate
customers a single p oint of access
to better man a ge their interbank
global commercial cash flow
conveniently and securely...

Bart Timmermans
Source: Video Testimonial Head of Global Transaction Banking
(GTB), Santander 38UK
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Scale Digital Leadership
Join the Finacle Digital Banking
Community. Contact us today:

finacle@edgeverve.com

www.finacle.com

www.linkedin.com/company/finacle/

twitter.com/Finacle

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W h y w e exist How w e do it W h a t w e offer
To inspire better banking Our solutions an d people help A comprehensive suite of
so t h a t billions of people banks to engage, innovate, industry-leading digital
an d businesses can save, operate a n d transform better, ba n king solutions a n d SaaS
pay, so t h a t they can improve their services that help banks
borrow, an d invest better. customers’ fi n a ncial lives, engage, innovate,
better. operate a nd transform better.

Finacle is an industry leader in digital banking solutions. We are a unit of EdgeVerve Systems, a wholly-owned product subsidiary of Infosys (NYSE: INFY). We partner with emerging and established
fina ncial institutions to help inspire better banking. Our cloud-native solution suite and SaaS services help banks engage, innovate, operate, and transform better to scale digital transformation wit h
confidence. Finacle solutions address the core banking, lending, digital engagement, payments, cash management, wealth management, treasury, analytics, AI, and blockchain requirements of
fina ncial institutions. Today, banks in over 100 countries rely on Finacle to help more than a billion people and millions of businesses to save, pay, borrow, and invest better.

For more information, contact fin acle@edgeverve.com w ww. finacle.com

©2022 EdgeVerve Systems Limited, a wholly owned subsidiary of Infosys, Bangalore, India. All Rights Reserved. This documentation is the sole property of EdgeVerve Systems Limited (“EdgeVerve”).
EdgeVerve believes the information in this document or page is accurate as of its publication date; such information is subject to change without notice. EdgeVerve acknowledges the proprietary
rights of other companies to the trademarks, product names and such other intellectual property rights mentioned in this document. This docume nt is not for general distribution and is meant for
use solely by the person or entity that it has been specifically issued to and can be used for the sole purpose it is intended to be used for as communicated by EdgeVerve in writing. Except as
expressly permitted by EdgeVerve in writing, neither this documentation nor any part of it may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic,
mechanical, printing, photocopying, recording or otherwise, without the prior written permission of EdgeVerve and/ or any named intellectual property rights holders under this document.

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