Genting/PUC –

Digital Bank
Partner Presentation

April 2021
 Agenda

01 Objective of the Presentation

02 Target Product and Service Offerings for the New Digital Bank (DB)

03 Target Business and Technology Capabilities for the New DB

04 Next Steps for the DB Partner(s)

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AEON – Digital
Genting/PUC Bank Partner
– Digital Assessment
Bank Partner Assessment Strictly private and confidential
 Objective of the
Presentation

AEON – Digital Bank Partner Assessment Strictly private and confidential

 Objective of the Presentation

• To identify the technology and business

capabilities offered by potential partners, which can
be leveraged to build the future Digital Bank (DB)

4
AEON – Digital
Genting/PUC – Bank
DigitalPartner Assessment
Bank Partner Assessment Strictly private and confidential
 Target Product and
Service Offerings for
the New DB

AEON – Digital Bank Partner Assessment Strictly private and confidential

 Product and Service Offerings
The new DB will focus on the provision of the following product and services:

Deposits &
Smart Deposit Account Remittance Instalment Savings Plan Fixed Deposits
Payments
Products

Credit Buy Now, Pay Later Working Capital Loan CAPEX Loan Supply Chain Financing

Wealth & Micro Robo Medical Asset Business Travel

Digital Assets Life Insurance
Protection Investments investing Insurance Insurance Insurance Insurance

Bill Transaction
Deposit-related Expense Goal-based Round-up Budgeting Tax
Bill splitting Payment Segmentat- Tax Pots
Features Tracking Savings feature Calculators Calculator
Tracker ion

Lifestyle
Rewards & Loyalty Merchant Discount Vouchers
Features

Benefits

Tools Invoicing Mainstream SaaS Integration Business Account Multiple Login ID

Ancillary
Marketplace for SME Solutions beyond banking, e.g. HR, Accounting SaaS, Smart POS, OCR Receipts
Services

MVP Subsequent phases

AEON – Digital Bank Partner Assessment

6
Genting/PUC – Digital Bank Partner Assessment Strictly private and confidential
 Target Business and
Technology
Capabilities for the New
DB

AEON – Digital Bank Partner Assessment Strictly private and confidential

We have identified the target technology and business capabilities…
The diagram below highlights the expected capabilities required for the DB. Gaps have been identified for the
potential partner to solutionise (not limited to one area):
Channels
1. Assisted 2. Self-Service 3. Direct 4. Third Party
Web app ATM 3rd Party Product Bundling Commissions & Incentives B2B/ B2B2B External Agencies
Contact Centre Mobile app Social media IVR Physical
Mobile App Sales & Target B2C/ B2B2C Insurance
Agents Kiosk eWallet Chatbot Text Banking Email Mail
eWallet Management Referrals Brokerage Trading

Customer Engagement & Acquisition

5. Contact Centre Management 6. Marketing/ Content Management & Analytics
Correspondence Management Call-Back Scheduling/ Appt Natural Language Processing (NLP) Marketing Insights Marketing Strategy & Reporting Content Management
Recognition Customer Profiling & Segmentation
Call Monitoring & Recording Warm Transfer Prescriptive Analytics Leads Management

7. Product Development 8. Unified Customer Experience Management

CRM & SCV Onboarding Special Pricing Conditions Rewards/ Incentive Management
Product Research & Innovation Product Bundling/ Aggregation
Product & Service Offer Management Cross Channel Comms Lifecycle Management Alerts & Notifications Financial Goals Planning & Advisory
Product Design Regulatory Impact Assessment Personalisation Engine Offers Management Product Matching Personal Finance management (PFM)

Data Management & Integration

9. Data Management 10. Workflow 11. API Management 12. Decisioning
ETL/ELT Streaming Data Analytics Data Lake Self-service BI Orchestration Intelligent Automation API Catalogue Auto-Scaling Pre-built Connectors
Real-time decisioning
Master Data Management (MDM) Document Management Data Dashboard & Reporting Customer Identification File (CIF) Rules Engines Business Processing API Standards & Policies Aggregation Streaming Events
Scorecard Management
Data Analytics Data Warehouse/ Mart External Data Services Product Workflows Modelling Message-level Security Transport-level Security Events Processing

Core Functions
13. Loan Services 14. Deposits 15. Cards 16. SME Banking
Loan Origination Credit Monitoring Non-standard Loans Execution Deposit Processing Cheque Project Financing CAPEX Financing
Interest Rates Maintenance Collection Credit Cards
Loan Underwriting Control Processing Fees & Charges Interest Rate Maintenance Processing Bridged Financing Cash Handling &
Collateral Management Interest Rate Maintenance Payment Settlement Loyalty Scheme Management
Fees & Charges Management

17. Payments & Transfer 18. Reconciliation & Clearing 19. Collection & Recovery
Electronic Fund Transfer (EFT) SWIFT Virtual Cards Phone 2 Phone (P2P) Domestic & International Clearing Early Warning & Prediction
Bill Payment Fees & Charges Prepaid Cards Reconciliation Debt Collection
POS Standing Instructions Phone 2 Account (P2A) Cheque Clearing Collection Channels

Enablement Functions
20. Treasury 21. Identity & Access Management 25. Remote Access 26. Work Task Mgmt
Treasury Risk Mgmt Intra-Bank Settlement Cash Management Multi-Factor Authentication & Geo Location Single Sign On VPN
Biometrics Security Monitoring Online Access
Liquidity Mgmt & Funding FOREX Authentication Authorisation Fencing (SSO) Task Management Tools
Intranet
22. Risk Management 23. Compliance & Regulatory Reporting 24. Finance 27. Collaboration
Credit Risk Management Trade & Money Laundering Risk Regulatory Compliance AML/ Sanctions Checking Litigation Management AR/AP Treasury Operational Accounting Web Conferencing Digital Whiteboard
KYC CDD/ EDD Audit/ Compliance Reporting General Accounting Planning & Forecasting Team Chats File Sharing
Operational & IT Risk Behavioural Risk/ ERM Financial Reporting Capital Management
Fraud Management Transaction Monitoring eSignature Document Management

Enterprise Functions
28. Human Resource 29. Procurement 30. Technology 31. IT Services 32. Infra Management 33. Info Security
Personal Administration Compensation & Benefit Application Portfolio Mgmt Cloud Integration Data Encryption Vulnerability Checking
IT Management
Recruitment Performance Management Sourcing,
Sourcing, Contracting
Contracting && Fix
Fix Software Asset Mgmt Performance Monitoring Data Anonymisation Role-based Access Control
IT Operations Service Ticket Mgmt (RBAC)
Payroll Compute & Storage Data Authorisation
Vendor
Vendor Management
Management Stress/Pen Test
Learning & Development IT Solutions & Delivery Auto-Scaling Data Loss Protection Endpoint Management
DevOps

Legend: Required for future DB Existing / Lower Priority DB Capability

AEON – Digital Bank Partner Assessment Strictly private and confidential 8
Genting/PUC – Digital Bank Partner Assessment
Gaps that your solutions can potentially fill
No. Capabilities Gaps
1 User Engagement • Mobile App
• Web App
• SMS / Text Banking
• Personal Finance Management
2 Core Banking Loans • Loans Origination
• Credit Monitoring
• Fees & Charges
• Loan Underwriting
• Collateral Management (TBD)
Deposits • Deposits processing
• Interest rate maintenance
• Fees & charges

Cards • Interest rate maintenance

• Collection
• Payment settlement
• Loyalty scheme management

SME Banking • Project financing

• Bridged financing
• CAPEX financing
• Cash handling & management
Compliance & Regulatory Reporting • Regulatory compliance
• Litigation management
• Audit compliance reporting
• Fraud management
• Transaction monitoring

AEON – Digital–Bank
Genting/PUC Partner
Digital Bank Assessment
Partner Assessment Strictly private and confidential 9
Gaps that your solutions can potentially fill

No. Capabilities Gaps

3 Risk Management • Operational & IT Risk
• Trade & Money Laundering Risk

4 KYC • Identification & Verification

• Biometrics
• KYC Workflow Management
5 AML • AML/Sanctions checking

Note: Genting/PUC to shortlist top 3 vendors for each capability

AEON – Digital
Genting/PUC – Bank
DigitalPartner Assessment
Bank Partner Assessment Strictly private and confidential 10
 Next Steps for the
Digital Bank
Partner(s)

AEON – Digital Bank Partner Assessment Strictly private and confidential

Following is the preferred outline for the partners presentation
The DB partners are required to perform their proposal and solution demonstration / Proof of Concept (PoC).
The following should be considered during the demonstration:

System Technical Integration

Select Use Cases
Walkthrough
Showcase solutions Present at least four (4) use
capabilities to meet cases for Genting/PUC’s
Genting/PUC’s business primary product offerings
and technical requirements (i.e. Deposits, SME (e.g.
invoice financing and trade
financing), Payments and
Reconciliations)
Architecture
Demonstrate the technical
capabilities and walkthrough
the system architecture
Pricing Model
Requirements
Present and demonstrate Provide a high level pricing
the system and data model with different
integrations required to approach considering the
achieve desired state overall cost of the solution
capabilities

Genting/PUC – Digital Bank Partner Assessment 12

Thank you