Branches have unique, face-to-face opportunities to establish and grow intimate customer relationships.
The challenge they face today is capitalising on the most immediate and personal interaction in the most cost effective way.

Finantix Branch Innovation provides a well-designed branch support system featuring teller functionality, product origination and processing, subscriptions activation and management, sales-oriented client insights, contextual cross-selling and advice guidance, product information and scripting, customer care services, calendar management and support for easy-to-control workflows.

Finantix Branch Innovation can be implemented for universal workstation strategies or specialised ad-hoc configurations (i.e. pure teller and transactional mode, loan and insurance origination, wealth management and advice, SME and credit service management, brokerage and investment services). The solution lets tellers capture and view client details, identify potential opportunities and refer them to the proper service representative. It enables sales staff to initiate the appropriate product process tracking its status at every step. This allows financial institutions to transform branch operators from strictly order takers into professionals assisting clients with a wider range of products and advice services. That increases institution's profitability thorough a 'sales thorough service' approach.

Finantix Branch Innovation is a flexible, multi-channel solution that
	provides all of complete teller functionality through a single workstation
	promotes sales-oriented actions
	guarantees full reuse of teller business logic across channels
	enforces personal contacts
	provides business services within an open, component-based J2EE architecture
	embeds a powerful workflow management engine for process (re)design
	accelerates integration of multiple front-, mid- and back-office system with a Web-services middleware

Core banking and teller functions:
	Global position, accounts aggregation and overview
	Customer and product enrollment
	Domestic and international payments and transfers
	Credit card issue and management
	Deposit/Withdrawal
	Bills and utilities payments
	FX transactions
	Inquiries and reports
	Checks management
	Complete till management and reporting
	Journaling
	Cash dispensing
	Signature verification
	Multi-device management

Product-specific processes and modules activable are:
	Investment and brokerage services
	Saving account activation
	Consumer loan origination/approval/installment
	Mortgage origination/approval/installment
	Arrears management
	Insurance origination/subscription (investment mix)
	Life, retirement and term insurance

General client management services available are:
	Lead and prospect management
	Client management
	Single customer view
	Contact management
	Sales opportunity and cross/up selling
	Events management and alerting
	Claim management
	Calendaring activity tracking

Domain-specific processes and modules for SMEs, corporate banking and trade finance are:
	Forex Exchange operation and rates
	Trade Finance - Documentary credits
	Trade Finance - International guarantees
	Credit position evaluation and historical behaviour
	Profitability analysis
	Rating: Company financials and interface to agencies
	Credit scoring and risk analysis

The Finantix Branch Innovation addresses the following critical success factors:
Context awareness - an effective role and process context control system provides users with correct and precise information, services and functions whether the user is a teller, a client manager, a supervisor, a back-office manager or one of the relevant actors of branch processes
Efficiency - the specific banking, sales functions and processes maximize the number of customers served while ensuring service quality standards. The environment is geared to handle extremely high transaction rates, as well as sessions between service representatives and clients. This involves a tightly integrated and efficient set of tools
Flexibility - the embedded workflow engine, based on Business Process Management standards and Web Services technologies, allows the bank to (re)assemble, reconfigure, parameterize, extend, fine tune and control bank's critical and quick evolving business processes and workflows
Aggregation - definition of logical data model with retrieve of relevant information from multiple underlying data stores and systems providing an accurate and a holistic client's view within specific processes and workflows
Proactivity - an event-specific management engine tracks any activities, events, due dates, relevant changes, cross/up selling, automatic generated advice, condition matching, non compliancy situations, risk scores, limits and thresholds, rule-based messaging, actions, sub-events and visible alerting

Benefits:
	Faster and higher quality of client service
	Increased cross-selling volumes
	Ability to measure the effectiveness and cost of sales and service activities
	Better insights on the client profile and financial situation
	More targeted and event-driven product proposals via the advice engine
	Ergonomic and intelligent screens for transactions and product origination

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