IBS Journal April 2015
D3 Banking
US-based D3 Banking has an omnichannel solution – Data Driven Digital platform – which was developed out of its data analytics solution. The vendor emphasises its singular nature with one code base across all channels. The customer-facing presentation is similar to that of retail shopping, with intuitive and user-friendly navigation, and various delivery options in the case of money transfer/payments (e.g. if a customer needs to transfer money faster), simi- lar to the express delivery options offered by online retailers. There are two customers using the solution, both of which are stakeholders in the company: Arvest Bank and Shazam, a Midwest interbank network
owned by 15 banks and trade organisations and providing electronic fund transfer (EFT) services to 1500 community financial institutions. A third institu- tion, a domestic southern bank with around $20 billion in assets, has just come on board, and is also interested in taking a stake in the company. The cur- rent offering is for consumer banking, but the vendor is bringing to market a dedicated SME solution this year, which will be piloted by Shazam and the aforementioned new client.
Ubiquiem
Launched in 2011, UK-based Ubiquiem is the brainchild of three ex-Temenos employees which set up the company to offer a new multi-channel solution, Tornado. Gareth Jones (formerly retail business development director at Temenos), Tony Coleman (ex-Temenos development director) and Marc Vernet (formerly user experience product manager at Temenos), were the founders. In February this year, however, Coleman was replaced by David Loup as head of development, following the former’s resignation from the company. The Tornado solution is a Java-based platform based on rules and workflow engines with mass retail channel support. It is back office agnostic and
can work with multiple back-end environments, said the vendor when talking to IBS upon its launch. UK-based Aldermore Bank is a known taker of Tor- nado, rolling out the system in 2012 to support customer onboarding and internet banking. Its UK call centre was also underpinned by the system. The bank is a user of Temenos’ T24 core banking system, of which Ubiquiem cites as a partner. Another UK-based Temenos client on the Ubiquiem user list is Metro Bank, which uses Tornado across a number of areas, such as in-branch processes and card dispute management.
CR2
Ireland-based CR2 is one of the oldest suppliers of front-end software on the market, dating back to the early 1980s. It has built up a customer base for its range of channel solutions for internet, mobile and ATMs predominantly across the Middle East and Africa. Its end-to-end solution is known as Bankworld Channel Manager, which the vendor claims to be back office agnostic and support all customer channels. Of late, CR2 has made a series of senior management hires in an attempt to break out of its traditional markets into Europe and Asia. At the end of
last year, Andrew Robertson joined as vice-president of product, Jim Hannibal joined as head of European sales (previously of Reuters, Misys and Smart- stream) and Indranil Basu Roy was appointed as vice-president of sales in Asia (the former head of core banking sales in Asia Pacific at Misys). The vendor has recently concluded a project with Botswana Savings Bank, which took Bankworld to support ATMs and mobile banking (the vendor
has a presence in the country already). And in late 2013, it signed an extension with existing customer, Bank of Sharjah, to roll out a new mobile banking app, designed to extend the functionalities available on the bank’s internet and ATM channels to its mobile offering.
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© IBS Intelligence 2015
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