Provider Category: Technology
Put a financial advisor in your customer’s pocket
We designed Unblu’s Conversational Platform to solve the problem of connecting people with banks in a world where branches are disappearing and competition is increasing. We make those connections secure, meaningful, profitable and efficient both for the customer and the financial institution. With Unblu every engagement becomes an opportunity.
Overview
Full conversational banking platform
The Unblu Platform allows organizations to engage and interact with the visitors/customers on their websites and mobile applications, guiding them through their digital journey to a successful completion of a business transaction. Our platform is specially architected to allow advisors and relationship managers to engage with customers in secure environments such online banking applications or customer portals, leveraging the support and advisory experience to the next level.
Better engagement
Increase touchpoints with customers (text, video, voice and collaboration) by leveraging on digital tools to render a branch-like experience that your customers expect and love. Design customer journeys with total flexibility, offering advice and support where you know customers need it. It’s not just another chat icon on a website, hoping for the best, or an isolated video-meeting solution.
More revenue
Unblu allows banks to leverage the moment of truth. Providing financial advice when your customers need it. Unblu allows your agents and advisors to use technology to increase conversion rates by spending more quality time with customers.
Lower customer support costs
Adding visual context to support use cases is allows our customers to reduce the time you dedicate per call/chat, and increasing the first-call resolution ratio. Unblu allows you to engage with customers online in a natural, convenient and intuitive way, what translate in a higher efficiency when onboarding new customers.
Resources
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End-to-end Collection & Recovery Technology
QUALCO Collections & Recoveries helps banks manage high volumes of non-performing assets effectively and compliantly. The technology uses data-driven analytics to predict customer behaviour and optimise treatment strategies. It manages debt portfolios through the entire lifecycle, from performing accounts to early delinquency and recoveries. The solution supports all banking products, from unsecured debt to mortgages and SME loans and is used by creditors to manage accounts on both an in-house and outsourced basis.
Overview
The Perfect Fit for Temenos Tier 1 & 2 Banks
Our solution ideally fits to Temenos Tier 1 & 2 Banks size and business needs. Secures smooth T24 & Insight integration and evolution of the system.
A Highly Sophisticated Decisions Engine
A highly sophisticated Decisions Engine enables the originator to determine the resolution strategy to apply, and manage the flow of the portfolio throughout the various stages of the debt lifecycle.
Compliant with ECB Guidance for Npl Management
Set up workout units and allocate management. Reach a sustainable solution by considering disposable income and Net Present Value. Implement Going and Gone Concern approaches through user configurable workflows and configure restructuring products that offer a wide variety of options such as interest rate reduction, tenor extension, debt forgiveness, and split balance balloon payments.
Clarity on Performance
Clarity on performance, measurement and reporting. Monitor & improve productivity/financial performance through real-time reporting & analysis tools and built-in Data Warehouse.
Features
Advanced Segmentation, Customer Classification and Strategy Definition through the most sophisticated Decision Engine in the market incorporating scoring and decision that enables business decisions & automates treatment processes.
Customer Solutions functionality to configure, negotiate and offer affordable solutions to the customer with flexible repayment plans. Calculation of the NPV of affordable Solutions allows for ranked proposals to bank’s customers.
Financial Assessment functionality that identifies the disposable income of the client in order to choose the most appropriate solution and proper strategy re-shaping.
Collateral Management & Asset registry functionality for the management and maintenance of a detailed list of collaterals pledged by customers against their loan, with detailed information on their characteristics.
Legal Management and Process Set Up, through a fully configurable environment that supports end-to-end legal processes along with any related action taken to customers and accounts going under litigation.
“One Call to Customer approach”. Due to the Customer centric approach of Qualco Collections & Recoveries and the presentation of all Customer information in one screen, the system allows the agent to conduct “one call” managing the complete Debt relation with the Customer.
Customer relationships (e.g. main debtor, guarantors, joint cardholders, and other co-signers) between the account and customers of the Bank can be displayed and handled through the Collection Screen and various actions that allow different treatment for main owner and co –signers is supported.
Reporting at any management level through comprehensive and user-friendly out-of-the-box data warehouse, analytics environment & dashboard presentations.
Resources
United Bulgarian Bank case study
Vojvodjanska Banka case study
kbc case study
Stopanska Banka case study
ISV Assessments/Awards
ESG & Enterprise Readiness Assessment Scores for QUALCO conducted by The Disruption House
| Category | Award | Date |
| Business Resiliency Accreditation | Builder | February 2024 |
| Sustainability Accreditation | Builder | February 2024 |
Interested in the full QUALCO report? Click here to buy it now.
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Integrated Data Output
Design, customize, and generate your own report, from multiple data sources. Are you looking for an easy solution to design and generate customized reports? We have the right solution for you. Our Output Management solution is a powerful free-form report designing business tool, to create custom template layouts at will. The solution provides customers with the capability of designing, formatting, editing, and generating reports and templates quickly and easily, interfacing with Microsoft Office. This is possible through our partnership with Windward, a provider of template design tools.
Overview
Business Oriented
Any business user, such as marketers, can easily create and design custom report templates.
Techies are out!
Your developers need not waste their time on designing reports for business units.
Integration is Key
Integrate your systems into one application in a reduced time, without the monotonous manual intervention.
It’s Alive
Transform your Multiple data sources into lively graphs and charts.
Embrace Management
I-DO does not only integrate with T24, but also with current and potential software solutions such as ERP, CRM, etc.
It’s all about Security
Manage your print output securely according to the data, conditions, and confidentiality.
Time is of the Essence
Reduce delays by applying automatic schedules and email distribution rules.
Features
Our state-of-the-art solution allows you to create report templates in Microsoft Office. The interface permits you to:
- Select only the data you wish to view on your report with simple drag and drop actions, using the XML file generated as data source.
- Add calculations and text fields
- Repeat parts and include conditional parts of the document
- Sort the data in any desired manner
- I-DO design tool comes as an Office plugin, it adds a ribbon to Word, Excel, PowerPoint…
- I-DO design tool is user friendly: no need for experienced developers to design an output
IMS IDO Rules Engine will provide:
- The ability to set parametric conditions on each report
- The ability to print locally in each branch
- The ability to set rule-based printing actions by report, including but not limited to:
- Method of printing
- Ability to invoke more than one report based on the data provided by T24
- Ability to group more than one output file from T24 into one document to be printed
- The ability to hold or suspend the printing of a document based on details available within the data provided
- Maintaining document security and regulatory compliance by implementing rules that can prevent confidential documents from being printed or inform the user when they are printed
I-DO integrates with T24 or any other software application installed using common integration interfaces.
- I-DO works using multiple data source formats utilizing several integration types: Directory based, Web services, Database Listeners, etc.
- I-DO acts as a listener for one or several applications at the same time.
After the report is generated in the desired format, it can be delivered by various means:
- I-DO generates reports in many formats such as PDF, DOCX, XLSX, PPTX
- I-DO can then store and print reports
I-DO is a fully-automated tool
- I-DO will be triggered automatically and will deliver the output at runtime in a glance
I-DO helps you transform your complex reports into charts and graphs.
- With I-DO, users and clients can easily analyze significant patterns, trends, and correlations that might go undetected in text-based or tabular formats
- Users can easily use the generated graphs to compare data and to track changes over time
The below features classify I-DO as your right solution:
- E-Statement
- Customer Independence: Client does not need to revert back to vendor while developing reports
I-DO is in constant growth! Below are our upcoming features:
- Interactive E-Statement
- Additional Plug and Play templates
- API to retrieve statistical data on the executes jobs by I-DO
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ChexSystems
Integrates the FIS ChexSystems to support QualiFile (for individual risk scoring for deposit account opening in the US), OFAC, Identity Verification (IDV) and Identity Authorization (IDA – out-of-wallet questions).
Unlock Seamless Onboarding: Enhance Identity Verification with FIS ChexSystem Services!
This package equips Temenos Journey Manager customers with the following FIS ChexSystem services:
Perform real-time identity verification and OFAC checks for US individuals using the FIS ChexSystems Identity Verification and OFAC check service.
Conduct real-time identity verification for US individuals through the FIS ChexSystems ID Authentication service (also known as Knowledge-Based Authentication / KBA).
Execute real-time fraud checks during onboarding processes for US Checking Accounts using FIS QualiFile.
Benefits
Define various risk assessment and decision-making strategies tailored for different applications across your organization
Limit the number of attempts to minimize unnecessary calls and costs
Automatically clear sensitive personal information when it’s no longer needed.
Generate reports on the sources of FIS calls (online, in-branch) for auditing and reconciliation
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Multi-Factor Authentication for a fast and secure windows login
HID DigitalPersona is an advanced multi-factor authentication solution, facilitating swift and secure login to Windows workstations. The solution supports a wide range of authentication factors, including Keys, Cards, Bluetooth devices, OTP tokens, App-based methods, and much more.
This provides businesses with unprecedented freedom of choice of authentication methods by enabling them to combine up to 3 authentication factors of choice. It effectively and seamlessly helps secure enterprise, web, cloud, and legacy applications, as well as Virtual Private Networks. What sets DigitalPersona apart from competitors is its ability to leverage existing IT infrastructure for quick deployment, allowing it to be operational within hours, not weeks or months.
What sets HID apart?
Pre-Integrated Features and Capabilities
Get a faster and more efficient implementation through HID’s 15 years of experience with the Temenos banking platform. HID’s consumer authentication solutions provide secure multi-factor authentication for login and transaction signing as well as risk-based authentication capabilities for banks using the Temenos banking platform ecosystem. HID is pre-integrated with the Temenos banking ecosystem and offers predefined workflows based on the very best banking practices to offer a superior user experience without compromising on security. The components can also be used to build a fully customized workflow should you choose to do so.
Partner Services
HID’s Identity and Access Management (IAM) Partner Services’ team are true Temenos banking platform experts. Their focus is on shortening the customer time to value realisation within the Temenos banking ecosystem. Following an agile delivery methodology, the team enables implementation partners by onboarding, training and supporting them on their Temenos integration journey. Partnering with HID for your Temenos integration will not only ensure that you have experts on your side to offer the best user experience, but also significantly shorten your time to market.
Enable the right security for the right user with massive scalability
Tailor your unique user journey through flexible and customizable authentication solutions that can be seamlessly integrated in your Temenos banking environment. Our approach is to secure today’s modern banking journeys through flexible workflows that have been rigorously tested to fit your end-to-end user needs.
Beyond traditional authentication that meets evolving banking needs
HID offers full authentication coverage to provide an end-to-end customer journey with some of the market’s broadest range of authentication solutions and form factors. Our authentication platform is backed with AI-based identity verification and real-time threat detection for true fraud prevention. By leveraging diverse modern authentication capabilities, including passwordless, phishing-resistant, risk-based, and adaptive authentication, HID’s authentication solutions are easy to deploy and flexible to grow with your business needs. The authentication services offered by HID are deployable in the public or private cloud and on premise and are highly interoperable with open standards and frameworks.
Delivered by a trusted industry leader
HID is your global security and identity expert. Benefit from the deep expertise of a proven leader in identity technology, trusted by financial institutions and other highly regulated industries around the world, to enable compliance with stringent data privacy, industry mandates and strong consumer authentication (SCA) relating to Open Banking.
Resources
DigitalPersona datasheet
DigitalPersona brochure
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Data Quality – Experian
Global address lookup and autocomplete using the Experian Data Quality APIs (formerly QAS) for Temenos Journey Manager.
Global address lookup and autocomplete
The Experian Data Quality APIs provide complete and accurate address validation based on international address data files.
This package provides components that are pre-integrated into the Experian real-time address capture service for hastle free inclusion into Avoka applications.
Note this service was formerly called QAS.
Benefits of Experian Data Quality APIs
Real-Time Processing
The real-time address capture service ensures that customers can validate and capture addresses instantly, enhancing customer experience and streamlining operations during critical touchpoints.
Global Reach
Utilizing international address data files, customers can validate addresses from around the world, enabling businesses to expand their reach and serve diverse markets more effectively.
Seamless Integration
The APIs are designed for effortless integration into Journey Manager applications, allowing customers to enhance their address capture processes without disruption to their existing workflows.
Enhanced Accuracy
With Experian’s comprehensive address validation, Journey Manager customers can ensure that their databases are populated with precise and up-to-date address information, reducing errors and improving overall data quality.
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IDMatrix – Equifax
Real-time identity verification of Australian individuals using the Equifax IDMatrix service for Temenos Journey Manager Customers.
IDMatrix is Australia’s most comprehensive verification solution.
Whether you have an obligation under the Anti-Money Laundering and Counter-Terrorism Financing Act to Know Your Customer, need to meet ARNECC’s Verification of Identity Rules or just want to establish further trust with your customers, IDMatrix has a verification solution to assist you.
Identity Verification sits at the core of the IDMatrix service and can be configured to meet your business and compliance requirements. Allowing a risk-based approach, you specifying which verification data sources are to be searched, the rules to determine a successful outcome and the user experience workflow, your business is in complete control of the verification processes.
Features and Benefits
Search, Match and Screen against More Than 30 Data Sources
Includes the Australian Government’s Document Verification Service (DVS) or integrate your own data or screening lists into a solution.
Seamless Integration
IDMatrix is integrated seamlessly in to your account opening or loan origination experience for immediate verification and decisioning.
Easy Customization
Customise your business rules, data sources, workflows and many other metrics to match your organisations compliance requirements and risk profile.
Reporting Portal
Your IDMatrix access offers a comprehensive reporting portal to allow you to keep an audit trail of previous transactions, view score card performance and view data source performance, amongst other things.
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Business Lookup – Equifax
Provides lookup capabilities for Australian businesses and organisations using the Equifax OrgID, CBO and Company Report services.
Confirm a business is valid and registered in Australia against ASIC, ABR and ATO registers
The Equifax BusinessLookup page on the Temenos Journey Manager website provides a streamlined solution for financial institutions and businesses seeking reliable commercial data. Designed to enhance decision-making processes, this tool offers comprehensive insights into businesses, helping users identify and verify commercial entities efficiently. Integration with Equifax, a leader in data analytics and technology, ensures that the information provided is reputable and current. The platform’s intuitive interface allows users to access detailed business profiles, risk assessments, and credit ratings, fostering a well-informed approach to developing and managing customer relationships within Temenos Journey Manager’s extensive suite of capabilities. Whether for onboarding or ongoing risk management, Equifax BusinessLookup serves as a vital resource for navigating complex business landscapes with confidence.
Benefits
Entity Lookup
Takes an ABN and provides basic public record data about a business entity.
CBO
This is the Company Beneficial Owner service that takes an ACN and retrieves detailed entity structure information around directors, beneficial owners, related entities etc.
Company Report
Provides all the information above in a PDF report.
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Emailage – LexisNexis
The Temenos Journey Manager Package for Emailage offers an extensive global hub of fraud intelligence, utilizing the email address as a crucial data point to create a customizable risk score.
Speed. Sophistication. Simplicity.
Enable secure, risk appropriate experiences for your customers while improving efficiency and profitability for your business.
LexisNexis® Emailage® analyzes multiple attributes when an email address is present to quickly and more accurately deliver a risk score to your business – no matter the channel, transaction type or customer touchpoint – all without causing unnecessary disruption to the user experience.
Features and Benefits
Risk Score
Risk score is the main feature of the Emailage Solution.
IP Cross Validation
Verifies the history of an IP address based on good or bad transactions the email address was associated with.
Workflow Improvement
Implement email fraud risk assessment as the front of your workflow for accurate fraud intelligence.
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Journey Manager Packager - DocuSign
The DocuSign Temenos Journey Manager Package enables businesses to streamline approvals and agreements in minutes from any device, enhancing speed, flexibility, and efficiency. It significantly reduces approval times and improves workflow, making it essential for modern operations.
DocuSign for Temenos JM
The DocuSign Temenos Journey Manager Package revolutionizes the way businesses handle approvals and agreements by allowing users to complete these processes in minutes, regardless of their location or device. With seamless integration into DocuSign, this package supports both in-form and post-submit signature capture, significantly enhancing operational efficiency.
Temenos Journey Manager DocuSign Package Benefits:
Speed
Reduce approval times from days to minutes, accelerating decision-making.
Flexibility
Access and manage agreements from any device, enhancing convenience for users on the go.
Efficiency
Streamlined processes minimize errors and improve workflow, ensuring smoother operations.