Fintense:

Enabling
Banks to
Become
Digital
Leaders
Ready for Intelligent Banking
Why should you use
our Digital Banking
platform?

Nowadays it is not enough to just provide several access channels to the This is one of the greatest benefits that Fintense brings – being able to
bank. Web, smartphones, tablets, wearable devices, kiosks - they all need launch products quickly and without integration costs on the media chan-
to work in unison, providing great and holistic experience to the customers, nels provides immediate impact on the bottom line and the ability to bring
irrespective of the device they use. new customers.

One place, one central configuration and administration console for all In this white-paper you will learn how Fintense opti-channel digital banking
media and devices – the bank should be able to use a single tool to create platform can impress your customers, help your business departments to
visual layouts, populate the details related to a service or a product and easily bring new products to market and capture new customer segments,
provide new offering to the customers - for any device and any channel. as well as reduce the burden on your IT and ensure smooth migration from
Fintense solution enables banks to accomplish incredibly fast launches of legacy systems.
new products and services. Through the Central Administration Console, all
channels are populated with the relevant data. There is no need to admin-
ister separate, stand-alone applications and then integrate them with each
other every time there is a new offering at the bank.
Give your
customers
the best digital
experience
Opti-Channel Access
All functionalities are available on all supported
channels: web, mobile, tablet, kiosk, ATM, wear-
ables, chat-bots, call centers… The customers
can choose the most convenient channels for
them at any time, and hop from channel to chan-
nel having all information synchronized in re-
al-time.
Accounts and Cards
The customers can see the balance, transaction
history, graphs and statements for all their ac-
counts and debit/credit cards, in all supported
currencies. Transaction history can be filtered by
either choosing the number of the most recent
transactions to display, or by specifying multiple
criteria like date range, amount range and trans-
action type.
Payments &
Exchange Office
All types of money transfers can be executed:
between own accounts (including currency
exchange), domestic as well as foreign. Payment
orders can be automatically filled by selecting a
saved beneficiary or created with new data.
Users can authorize payments with various
2-factor authorization methods, from simple
one-time codes to transaction signatures and
digital certificates.
Peer-To-Peer Transfers
Your customers can send money to other individ-
uals who do not need to have an account – the
recipients of P2P payments can withdraw mon-
ey on Bank’s ATMs by simply entering one-time
transfer code.
Loans
Full overview of all customers’ loans
is available, including the current
balances, transaction histories and
repayment plans.
Online Lending
& Onboarding
Opening an account or applying for a loan can
be done in minutes, fully online. The entire pro-
cess can be automated and give new customers
immediate access to all digital channels.
Personal Finance
Management
This module automatically categorizes all cus-
tomers’ expenditures and incomes, from their
accounts and credit/debit cards, helping them
monitor and plan their financials. It also supports
creating budgets for each category and setting
up reminders for payments in the future.
Bill Presentment
All customers’ utility bills in one place – receive
bills via Bank’s apps and pay with one tap or set
up automatic payments.
Augmented Reality
Several advanced, user-friendly functionalities
are available via Augmented Reality in Fintense
mobile apps: shopping with instant loans, viewing
3D map of previous transactions, viewing Person-
al Finance Management budgets and spending
overview, P2P transfers, and more.
Geolocation & Dynamic Voice Assistant Banking
Offers Voice assistants on iOS and Android platforms,
Siri and Google Assistant, can read and display
The system can monitor user location and dy-
information about customer’s accounts, cards
namically change the content of the mobile app
and loans, as well as perform multiple types of
to best suit the current geographical location.
transfers.
Customer is in a shopping mall?
• Show credit card balance and PFM budgets in
front of all other info in the dashboard.
• List discount offers from all Bank’s retail partners
in the mall

Branch & Atm Locator

Find the nearby ATMs and branches, using a 2D
map or 3D Augmented Reality view.

Secure Messaging
A lightweight e-mail client is embedded in our
apps, enabling customers to securely communi-
cate with the Bank and send/receive confidential
documentation.
What we
can do for your
business team
Process Automation
Most common customer-facing processes can
be semi or fully automated, to allow users apply
for Bank’s products Online, without having to
visit a branch. The process automation engine
supports all kinds of processes, from onboarding
new customers to loan origination, from simple to
complex multi-step ones.

A drag & drop UI designer allows Bank to design

and create workflows for both front-end and
back-end, including integrations with any exter-
nal systems.

Know Your Customer

Fintense can be integrated with any 3rd-party
biometric identification solution to enable full
Online KYC. Typical approaches are via video call
identification or by automated identification via
ID scanning and liveness detection.
Segmentation
The Bank can create an unlimited number of cus-
tomer segments, each having their own design
and/or functionality set. A single app contains
functionalities for all segments, which can be
dynamically switched on the fly.

Real-Time App
Modifications
The design and functionalities of all Fintense
channels can be changed in real-time – including
our native mobile apps, which can be exten-
sively modified without having to publish an app
update. A drag & drop admin tool can be used
by the Bank to modify design elements, add or
remove pages and widgets without any coding.
Digital As A Sales
Channel
Fintense platform can be leveraged as a power-
ful digital sales channel – customer needs can
be anticipated by analyzing the wealth of data
provided by the PFM and targeted offers can be
generated in tandem with CRM for each custom-
er separately.

Modularity
While base Fintense solution covers the most
commonly-used functionalities, like accounts and
transactions, the platform has over 60 optional
modules which can expand the functionalities
available to the customers. Each of those mod-
ules can be independently added to the solution,
either in the initial roll-out or in the future phases.
How we can
help your IT
Easy Integration
Fintense has pre-built adapters for the most com-
mon integration technologies, like web services
and stored procedures, and additional methods
can also be supported. Its Integration Mapper
tool can be used to quickly connect to new
services or to modify the existing integrations,
without any coding.

Cloud & On-Premise

Deployment
Fintense platform can be set up either on-prem-
ise or in a cloud.

• Local installation runs on off-the-shelf servers,

either physical or virtual, as well as on any combi-
nation of physical and virtual infrastructure.

• Deploying Fintense in the cloud allows for smaller

up-front costs for the Bank, as well as moving the
responsibility of maintaining and updating servers,
OS and database from the Bank to NF Innova.
Security & 2-Factor
Authorization
The platform can be integrated with any 3rd-par-
ty strong authentication solution, which would
provide soft token functionalities to customers
for authentication and payment authorization.

Additionally, other 2FA technologies are support-

ed as well, like SMS OTP and digital certificates.

Open Banking API

Fintense has a PSD2-compliant open banking API
module, which allows the Bank to expose ac-
count and transaction functionalities to third-par-
ties like Fintechs, Online retailers and other banks.
SDK
The Bank can modify the existing features, as well
as create the new ones using our web and mobile
SDKs. This approach allows the Bank developers
to use the existing security and UI portal base and
to be able to focus on creating new exciting func-
tionalities.
Architecture
Fintense platform has a multi-tier architecture
consisting of the following main layers: web,
application and database. The capacity of the
system can be increased by horizontal scaling in
any layer.
High Availability and Disaster Recovery setups
are natively supported, while load balancing is
achieved with Network Load Balancers in front of
web and application layers.
Patching/updating of OS and Fintense services
can be performed live, without downtime, by
temporarily removing and updating servers one
by one from the appropriate cluster.
Award-winning IDC MarketScape European Mobile Banking Software Solutions

solutions
Leaders

Crealogix

Fiserv

SAP Avaloq
NFG
Temenos

Asseco
Misys

Etronika

Capabilities
Mayor Players
SAB

Comarch

Contenders

Participants
Fintense was selected as the global winner of the Finovate Best Customer
Lending Platform award for 2020. Finovate gathers global banks fintech
Strategies
companies, business accelerators and individuals who compete in 25
different categories. Fintense also gained global recognition by being among the Leaders in
the IDC Mobile Banking Market Scape report for Europe.
Our references
Partners who believe in us
About Us
The Experience And Know-How

NF Innova, member of New Frontier Group, has a sole focus on Digital Banking and
provides a unique banking solution to visionary financial institutions by delivering a rich
and seamless customer journey on any digital channel.

We are an international company and our geographical reach means that we can
serve customers effectively, regardless of their size or location – Retail, SME, Corporate.
We share knowledge and Best Practices from other markets.

Our clients are people that notice that change is inevitable and necessary to drive
growth and simplify the digital processes. They want to accommodate their customers’
needs and offer the best possible experience across various digital channels, whether
they are. That’s why the principal goal of NF Innova is to empower and help them focus
on the digital transformation and initiate the future of banking in their companies. Today,
our client list includes companies that are eager to meet the high expectations of mod-
ern consumers and reshape their business models.