PCE Brochure En

8/6/2019 PCE Brochure En

http://slidepdf.com/reader/full/pce-brochure-en 1/16

ProClassic/EnterpriseRetail Banking Solution SuiteThe modular software suite for your front office



| Charting the right course: thechanging face of customer

acquisition

Retail banks are under pressure: Margins

continue to dwindle, financial products are

becoming more and more comparable and

customer loyalty is declining. Today’s con-

sumers know exactly which products or

services they want and are constantly on

the lookout for the ideal offer. All the more

reason for financial institutions to identify

the current requirements of their cus-

tomers and implement them in end-to-end

sales and service concepts.

Retail banks must improve the emotional

quality of their customer address by pro-

viding offers and services that are tailored

to each customer’s individual situation. In

combination with process optimization and

cost efficiency, this provides financial

institutions with a decisive competitive

advantage.

| Added value from a process perspective

❚ Improved customer service

❚ Increased earnings through optimized

sales and service processes

❚ Individual control of business processes

❚ Reusability of processes

❚ Rapid integration

| Set yourself apart through yoursales and service strategies

The bottom line is that retail banks can

only remain competitive in a liberalized

market if they pursue innovative sales and

service strategies. Most importantly, they

need groundbreaking process models and

state-of-the-art IT that will enable them to

implement these strategies.

Today’s business demands a

focus on process efficiency

and sales optimization,

increasingly forcing retail banks

to reevaluate their business

processes and IT.

PC/E Retail Banking SolutionSuite enables you to simplify

complex IT landscapes across

all delivery channels, strengthen

sales and services, and optimize

processes.

A software suite

that keeps pace with the future

Y O U R C H A L L E N G E S



3

| Discover the benefits of PC/E Suite:

improved margin potential and

reduced costs

Wincor Nixdorf has developed a software

suite especially for retail banks that will

enable you to react flexibly to customer

requirements and integrate innovative

products rapidly. With different modules

that can be combined to suit your needs,

the ProClassic/Enterprise Retail Banking

Solution Suite is scalable and enables you

to adjust to changed conditions at any

time. The payoff? Economic efficiency and

optimized banking processes. Our PC/E Suite

supports your financial institution in trans-

forming current sales and service process-

es as well as the associated IT architec-

ture into an expandable and future-proof

retail banking business.

Thanks to its modular and service-oriented

multichannel approach, you will achieve

two strategic goals: increased earnings

through innovative sales strategies and

reduced costs through standardized

processes. This enables you to strike an

ideal balance between rigorous customer

orientation and optimized business

processes!

Retail banking – transform your business to meet the future!

Using your existing structures as a foundation, PC/E Suite will help you transform your current accumulation of sales and service workflows into

lean, modern business processes.

O U R V A L U E P R O P O S I T I O N



The earnings potential in the

front office of a retail bank is

enormous: This is where the staff

meets, advises, and sells to its

customers.

Business processes should be

available across delivery channelsand with a clear, customer-

centered orientation. With its

end-to-end support for sales and

service processes in the front

office, PC/E Retail BankingSolution Suite enables you to

ensure a focus on your customers.

The front office:

The heart of the retail bank

| New concepts and smart processes

for financial services providers

Faced with increasing cost pressure, finan-

cial institutions risk losing sight of what is

really important in retail banking: sales

and service. Ultimately, the underlying

processes are the decisive factor for suc-

cess in the retail banking business. They

must be optimized end-to-end and

designed with cost efficiency in mind.

The blueprint

illustrates a holistic and process-oriented view of the retail banking world

as well as the focus on the front office.

T H E B L U E P R I N T



5

services must be offered via the self-

service, front office, POS, Internet, call

center and mobile delivery channels,

ideally using an integrated multichannel

platform.

| Retail banks want processes that

are customer-oriented

If used correctly, IT can make a significant

contribution toward automating and opti-

mizing business processes. We designed

our modular PC/E Suite with this objective

in mind. Its different process-oriented

solutions help your retail bank meet the

twin challenges of dynamic market

changes and the wishes of consumers.

Since private customers are once again

taking center stage, it is important to pro-

vide a uniform service experience across

all channels that is also transparent for

new customers.

| In a nutshell: PC/E Retail Banking

Solution Suite...

... is Wincor Nixdorf’s modular software

package for the optimization of sales and

service processes in the front office. It

enables retail banks in particular to design

high-performance systems and use them

flexibly – a critical advantage for rapid

time-to-market.

With PC/E Suite, you strengthen your own

sales force in all delivery channels and

ensure that future added-value processes

are more efficient.

| Added value from an IT perspective:

❚ Reusability❚ Rapid integration

❚ Expandability

| Der Mehrwert aus Business-Sicht:

❚ Increased earnings

❚ Reduced costs

❚ Investment protection and security

for the future❚ "Emotionalization" of retail banking

T H E P O S I T I O N I N G

| The blueprint offers an overview

The blueprint illustrates our holistic and

process-oriented view of the retail banking

world. For this purpose, it is divided into

three main processes: "Sales & Marketing"

starts with the acquisition of a customer

and accompanies you all the way to suc-

cessful completion of a sale in the front

office. The “Service Processes" that follow

comprise cash and non-cash services such

as deposits, withdrawals, funds transfers

and standing orders. And the “Support

Processes” in the back office cover tasks

from accounting and posting to controlling

and reporting. Banking products and



6

| Software Suite that focuses on

delivery channels and processes

Thanks to PC/E Suite’s modular structure,

everything can be tailored to your individ-

ual bank strategy in a gentle transforma-

tion process. You can start with one of the

software products and expand your

solution in steps to include other channels

and processes. For example, you could

(re-)discover the mobile delivery channel

for your retail business and combine it

with conventional channels.

The software components mesh perfectly

with each other. You can choose from four

categories: Channel Delivery comprises

solutions for all kinds of delivery channels,

Security offers a holistic security strategy

for self-service systems, branches and

networks, Management & Optimization

improves retail banking processes and

reduces operating costs, and Banking

Business Enabling includes cross-channel

solutions for sales and marketing services

as well as transaction and payment

services for all delivery channels.

| From analysis to management

Our Professional Services are ready to sup-

port you through every phase of your IT

project to ensure that you benefit immedi-

ately from the features and functions of our

software. We provide end-to-end support

from analysis and IT consulting to imple-

mentation and optimal application man-

agement.

| Added value from an architectural

perspective

❚ Future security and investment protection

thanks to a net-centric architecture

❚ Expandable, scalable IT enables a

gentle transformation

❚ Reduced costs due to reuse of

components

❚ Rapid integration

❚ Modular and flexible

❚ Multichannel capability

The open, modular and

service-oriented multichannel

approach enables you to

create attractive sales and

service processes for your

customers. But your customers

won't be the only ones to be

delighted – the multichannelapproach is also extremely

profitable for your retail bank.

PC/E Suite

as an innovation model for retail banking

P C / E S U I T E ’ S P O R T F O L I O



7

| Combinable and versatile through

innovative services

The suite's net-centric approach allows

rapid implementation of new functions and

services as well as centralized manage-

ment of the IT infrastructure. PC/E Suite's

IT architecture is ...

❚ open

❚ modular

❚ net-centric

❚ service-oriented

❚ multichannel-capable

Our solutions can be used across all deliv-

ery channels along your retail bank’s entire

process chain.

You select the business services that

support your added-value strategy. As you

can see from the 3D representation above,

the functions can be reused across several

delivery channels in line with your bank’s

portfolio. The services and delivery chan-

nels you use converge efficiently on the

PC/E Suite platform. This enables you to

convey for example the same advertising

message in the Internet, at the ATM or via

mobile phone – with a consistent look and

feel!

On the following pages, you will discover

how these technological features influ-

ence the four categories in our solution.

The IT architecture enables

the provision of business processes across all delivery channels thanks to

reusable business services.

P C / E S U I T E ’ S A R C H I T E C T U R E



8

A banking portfolio is only

successful with consumers if it is

attractive and has a logical

structure.

Your customers must always have

the feeling that they are with one

and the same bank.

Consistent processes across all

channels reassure customers and

make them feel welcome. As an

added bonus, they make your bank

more appealing to new customers.What this requires is the right

foundation: the multivendor,

multichannel platform of our

PC/E Suite!

| Uniform service experience with a

consistent look and feel

Today’s bank customers use financial

services in a variety of different ways,

alternating between the self-service zone,

their home PCs and the teller. And they

expect consistently good quality and a uni-

form appearance from every interface. For

a successful dialog with the customer, all

your delivery channels must be interlinked

to ensure a homogeneous look and feel.

But how can you ensure that functions are

implemented in a process-oriented way

across all your delivery channels?

Committed to the customer:

Banks that tailor their sales activities precisely to their customers’ wishes are able

to optimize customer relationships

and increase revenues.

Channel Delivery:

A single platform for all channels

T H E C A T E G O R Y



9

| Customer contacts bring higher

earnings when efficiently networked

What banks need is a consistent multi-

channel strategy. Wincor Nixdorf has soft-

ware solutions for your individual sales

and service processes that will enable you

to address your customers consistently, so

that they can orient themselves in all your

applications – such as when using input

screens for transactions – and use them

easily and comfortably. By providing a

uniform look and feel across all delivery

channels and taking each channel’s speci-

fic requirements into consideration, you

will improve your customer service and

thus increase customer loyalty and rev-

enues. PC/E Suite provides you with the

software architecture you need to achieve

this objective. With our intelligent solu-

tions, sales and service processes become

more target-oriented and efficient. At the

same time, the integrated multichannel

platform enables transparency in customer

banking transactions.

| The right solution for every

delivery channel

You can put together an individual software

package from three following groups:

❚ Branch

We offer a comprehensive front-office

solution for your specific branch IT require-

ments that ensures customer-friendly and

efficient processes. What’s more, PC/E

Suite also provides special additional

applications: an ATS solution for optimized

cash processes and a peripherals solution

for control and administration in the front-

office environment.

❚ Self-service

Self-service terminals must be managed

flexibly in a single IT environment. Since

today’s self-service networks are complex

and heterogeneous, Wincor Nixdorf offers

two innovative applications: a flexible and

vendor-independent fat client solution and

an equally adaptable and server-based

smart client solution.

❚ MobileRetail banks are increasingly supplement-

ing their traditional delivery channels with

additional customer contact points. We

offer a state-of-the-art solution for inte-

grating mobile banking in your multichan-

nel strategy that enables you to provide

your existing Internet banking services

over every type of mobile device.

| Your benefits of Channel Delivery

❚Uniform customer address across allchannels

❚ Higher service quality

❚ Support and promotion of your

multichannel strategy

❚ Harmonious total solution with

cross-channel processes

❚ Reduced costs thanks to

reusable components andmaximization of synergies

❚ Shorter time-to-market

THE SOFTWARE PRODUCTS



10

| IT security in retail banks –

the tightrope between demand and

reality

Retail banking processes must be support-

ed by powerful IT systems. This fact has

resulted in the development, over time, of

extremely complex IT networks. Ensuring

their availability is a formidable challenge

for financial institutions, but it must be met

to ensure continuously secure business

processes.

This is the reason why retail banks have

broadened their field of vision: Beyond the

security of the technology itself, they are

also concerned with the security of busi-

ness processes and confidential data.

Individual protective measures are increas-

ingly yielding to holistic IT security

management. Every process-oriented

measure impacts systems, applications

and communication as a whole.

| Security benefits

❚ Image protection through secure

service processes

❚ Increased availability thanks to

proactive security mechanisms

❚ Compliance with international

legislation

❚ Time and cost savings through

automated terminal master key

management

| Secure transactions make

customers feel at ease

Protected IT structures, business processes

and transactions are the basis for success-

ful sales processes, because data loss

through software manipulation is expen-

sive and damaging to the bank’s image.

That is why it is so important to balance

efficient IT with the required security

across all your delivery channels.

End-to-end IT security is an

absolute must for retail banks.

Poor service availability and

data loss can have serioustechnical, financial and legal

consequences – and entail a

loss of image and customer

confidence as well.

This is why our PC/E Retail

Banking Solution Suite includes

security solutions to ensure the

security of your business

processes.

Security:

Confidence as the trademark of retail banking




11

| Value protection, profit generation

To enable you to protect sensitive business

processes and data reliably while simulta-

neously automating processes, our PC/E

Retail Banking Solution Suite is based on a

modular security concept.

In addition to process-oriented security

solutions, we also offer our holistic

security solution concept ProTect for active

risk management that includes risk analy-

sis, minimization and control.

❚ Channel Security

With our tamper-proof software, you can

protect your self-service systems against

network and local attacks. We provide

proactive protection against potential sys-

tem failures and data loss – even in the

case of brand-new and as yet undetectedviruses, worms or Trojans. Our solution

also prevents modifications and manipula-

tions using local storage media. In addi-

tion, we offer software products for the

centralized automation of terminal master

key management to ensure secure encod-

ed communication and authentication

between terminals and the host system.

Comprehensive security protection

is what you get with our PC/E Suite. We support

your risk management by providing optimal burglary and access

protection as well as legally compliant key management.




12

| Transparent operation

The complexity of today's business

processes often means a loss in the trans-

parency you need to analyze and optimize

service and sales processes. Yet the nec-

essary process efficiency can only be

attained through a powerful self-service

network that guarantees highly available

services. This is particularly important for

customer satisfaction, which can quickly

deteriorate if an ATM runs out of cash or is

out of service, for example. That makes it

critical to deploy solutions that analyze

and monitor your networks to ensure

efficient IT management and optimized

end-to-end processes.

Transparency and efficiency –

With our software solutions,

higher availability and lower costs

are both possible!

Retail banks must concentrate on

their core competencies without

losing sight of costs.

Our retail banking solutions

ensure high system availability

and transparent operation.

And our software optimizes cashhandling processes to make your

cash management more efficient.

Management & Optimization:

Proactive control of business processes




13

| Availability adds value

Continuous and centralized monitoring

allows you to keep an eye on your self-

service network’s performance and effi-

ciency. A central overview and extensive

data enable faults to be eliminated quickly

and used proactively as a basis foroptimization. This is important since pro-

ductivity and customer satisfaction suffer

greatly from disrupted business processes.

IT management is a very complex task,

especially where large and widespread

self-service and branch networks are

concerned. That much is obvious if you

consider the effort involved in checking the

cash holdings of your cash points or

analyzing their frequency of use. Processes

must be automated and the amount of

manual work reduced in order to ensure

cost-effective control of the cash cycle in

branches and off-premise locations,including cash-in-transit services.

With Wincor Nixdorf’s solutions, your

retail bank will be able to manage its sys-

tems efficiently and, at the same time,

optimize business processes.

| Process optimization through

end-to-end process management

Efficient, effective business processes

increase your bank’s service quality. These

software products ensure highly available,

customer-friendly and cost-optimized

processes:

❚ Management

Our solutions administer, monitor and con-

trol even the most complex self-service

networks. Remote monitoring enables you

to access transparent information around

the clock. Potential system failures can

therefore be detected proactively. As adata hub for retail banking management,

these software products play an important

role.

❚ Optimization

If you want to optimize your cash holdings

in addition to controlling them, then you

have come to the right place: Our solutionstrikes an ideal balance between cash

services and cash costs. Detailed analyses

and reliable forecasts enable you to

optimize the replenishment volumes and

intervals of your cash points across

branches, and manage your cash-in-transit

operators efficiently.

| Management & Optimization benefits

❚ Maximum availability of systems

and cash holdings

❚ Cost and time savings thanks to

automated, efficient processes

❚ Optimized service quality

❚ Optimized amount of cash in circulation

❚ High degree of transparency thanks to

continuous monitoring and

analyses/forecasts

❚ Data hub for further solutions such as

Incident Management, etc.




14

| Commitment to bank customers is

on the rise

Retail banking is characterized by interna-

tional competition. To meet today’s chal-

lenges, banks need to reorient their sales

strategies, focusing above all on improving

customer proximity.

Only retail banks with innovative multi-

channel concepts will capture the interest

of their customers and increase earnings

with attractive offers. The key is to devel-

op emotional consulting services and make

the right offers in the right way at the right

time in line with the customer's individual

situation. This is precisely what PC/E

Suite’s solutions help you achieve. They

homogenize your process flows across all

channels and, at the same time, make

them more efficient.

| Benefits of Banking Business Enabling

❚ Added value and higher earnings with new

business ideas and “emotional banking”

❚ Improved customer contacts through

customer typing

❚ Image boost thanks to innovative

cross-channel services

❚ Flexible transaction services in the

original core business

❚ Automation of standard services that

frees up staff for sales

Innovative business models

depend on innovative sales

concepts that require the

availability of all processes

across all delivery channels.

With solutions from our PC/E

Retail Banking Solution Suite,

your sales and marketing

activities gain new momentum

for profitable cross-selling

processes and higher revenues

in your retail bank.

Banking Business Enabling:

a new customer proximity in sales and service

| Flexible and efficient handling of

payment transactions

In this day and age, competitiveness also

depends on cost-efficient, highly available

transaction handling. If core functions are

designed efficiently and synergy potential

is exploited to the full extent, attractive

margins and reduced costs are possible

despite the considerable requirements of

excellent payment services.



15

| Contact is capital

Our solutions help you enhance customer

services relating to transaction business

and optimize your sales activities.

❚ Sales & Marketing Services

Here, we offer you a solution that usesattractive add-on offers to help generate

new sales potential via the self-service

and Internet channels. An additional soft-

ware solution is available to address

customers directly and create holistic

marketing campaigns across all delivery

channels.

❚ Transaction & Payment Services

With our solutions for assisted self-service

or cardless cash withdrawals via mobile

devices, cash and account-related transac-

tions can be implemented efficiently and

with a high degree of customer-friendli-

ness. We also offer a high performanceand secure solution for the authorization,

switching and routing of payment transac-

tions.

Marketing as a service

With its Banking Business Enabling module, PC/E Suite looks

into the question of what customers really want. Because if there's

one thing that characterizes today’s successful banks, it is this:

they address their customers in a target-oriented and emotional way

that reflects their individual situations. With our solutions, you will

be able to optimize your transaction-related customer services

cost-efficiently and across all delivery channels.




Published by

Wincor Nixdorf International GmbH

Heinz-Nixdorf-Ring 1

D-33106 Paderborn

Phone: +49 (0)5251 693–3301

Fax: +49 (0)5251 693–5918

www.wincor-nixdorf.com

[email protected]

© Wincor Nixdorf International GmbH

All product names are registered trademarks of Wincor

Nixdorf International GmbH. All rights, including rights

created by patent grant or registration of a utility model, are

reserved. Delivery subject to availability. Subject to change

for technical reasons.

Order no.: R10801-J-Z740-2

Printed in Germany, March 2011 Cover picture: Atomium, Brussels

Documents

PCE Brochure En