Digital Innovation:
The Foundation for your Future
Chris Doner
This document includes confidential information and should only be shared under NDA.
The Digital Future
Background on Access Softek
• Founded in 1986
• Not venture funded
• First to release downloadable applications for mobile banking
• Fingerprint, RDC, Apple watch, mobile lending, online biometrics, RD Team, AB
testing and more
• Growing rapidly
• #2 market share for mobile banking with credit unions
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Strategy
Industry Trends
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The Mobile Tipping Point
Mobile vs. Omni-Channel
Alternative lenders
Machine Learning
More and Deeper Analytics
Biometrics
Bots
Voice (Google Home, etc.)
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Strategy
Product Goals
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Rapid Innovation
Security
Faster Deployments
Minimize Member Impact
• High Availability
• No Downtime Upgrades
• Mobile-First Omni-Channel
• Completeness
• Branch Replacement
• Call Center Replacement
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Strategy
Our Lineup of Core Products
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Mobile Banking
Online Banking
Mobile and Online Lending
Mobile and Online Account Opening
These 4 products are the foundation of your digital future.
Attract, Retain, Service and Lend
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Strategy
Bottom Line
We want Access Softek clients to have better financial performance,
more engaged users and to be at the forefront of innovation.
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Mobile Banking
Mobile Finance Manager - MFM
• Bill pay
• Add/edit payees and ebills
• Mobile deposit capture
• Real time deposits (free)
• Individual variable holds
• Over 15 vendor integrations
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Mobile Banking
Mobile Finance Manager
• Biometrics
• Multiple biometrics
• Ads
• Targeted and personalized with deep linking
• Branding
• Seasonal images
• Pre-roll screens
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Mobile Banking
Mobile Finance Manager
• PFM
• Not a third party
• Goals, cash flow much more
• Free
• Transfers
• PayPal
• Extensible
• SSO API (free)
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Mobile Banking
Mobile Finance Manager
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Quick balance
Very cool UI
Transaction search
Google analytics
Data warehouse integration
Alerts
Push notifications
Card disputes
Services for members with indirect loans
Hundreds more configurable options for features, UI and UX
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Online Banking
Orpheus – Online Banking
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Online Banking
Friends and Family
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Online Banking
Account Aggregation
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Online Banking
Unified transfers
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Online Banking
Save the Change
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Online Banking
Extensible with personalized widgets
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Online Banking
PFM you use – data visualization throughout
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Online Banking
Triggered Events
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Online Banking
Deep Linking Ads – e.g. balance transfer
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Online Banking
Business Banking
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Online Banking
Thousands of configuration options
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Online Banking
Mobile-First Omni-Channel
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Online Banking
Automated Deployments and Upgrades
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Online Banking
Admin Tool SSO – Integrated Management Center
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Online Banking
Hosted or Onsite
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Online Banking
Kill the Password
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Online Banking
And a lot more coming…
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Mobile and Online Lending
Mobile and Online Lending
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Mobile and Online Lending
Consumer Lending
Auto – Personal – Credit Cards
(with insurance options)
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Mobile and Online Lending
Real-Time End-to-End Automation
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Mobile and Online Lending
Photo Balance Transfer
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Mobile and Online Lending
Pre-Approved Lending
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Mobile and Online Lending
Short Term Lending
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Mobile and Online Lending
Mobile Lending Works
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Mobile and Online Account Opening
Mobile and Online Account Opening
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Mobile and Online Account Opening
Beyond Filling out Forms – Conversion Rate
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Mobile and Online Account Opening
Make it easy – take a picture of your drivers license
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Mobile and Online Account Opening
Make it targeted – Age, gender, location, language, SEG, etc.
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Mobile and Online Account Opening
Make it optimal – A/B Testing
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Mobile and Online Account Opening
Make it engaging – conversational forms
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Mobile and Online Account Opening
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Mobile and Online Account Opening
On the backend
• Quick core integration
• No downtime for configuration changes
• Automated deployment
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Mobile and Online Account Opening
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Mobile and Online Account Opening
A new approach to account opening:
Personalized Conversational Optimized Responsive
Form Filling Workflows
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The Future
Digital is the Future of Financial Institutions
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Compete against silicon valley and big banks
Consolidation of all services into mobile and online
End-to-End Real-Time Automation
Move faster
Appropriate resource allocation (how many branches is your future
worth?)
• Client differentiation, mass personalization, with experimentation and
analysis
• We will live in a world with no passwords
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Thank You!
Chris Doner
Chris Sage
[email protected]
[email protected]