COMPANY OVERVIEW

(fin)novation ™

Modern cloud platform for

financial innovation

You can bank on us.

We are Flexcube.ai
Digital transformation is on the agenda of every financial institution.
These initiatives are simply not a matter of competitive advantage; it is
critical to their success. According to McKinsey & Co., 70 percent of
companies will attempt to transform themselves digitally, but only 30
percent will succeed. Flexcube.ai is here to change those odds.

Flexcube.ai is a leader in helping financial institutions achieve their digital

transformation goals. The company’s (fin)novation platform is a modern,
cloud-native solution that combines the power of financial transactions,
machine learning, and compelling experiences to transform branch
banking into ubiquitous solutions for financial well being.

With the advancement of the internet and smartphones, customer

expectations for financial services have redefined where financial
transactions occur. While some companies have focused on putting banks
online that run on legacy platforms, Flexcube.ai is providing innovative
solutions that bring financial transactions to the customer. This means
working in all kinds of industries where companies are transforming the
way they provide financial services to support their customers.

Company Overview - 2024 1

Our Strategy

We create solutions built on a

modern, cloud-native platform
that address the challenges of
conventional banks, digital first
banks, retailers, service providers,
and ultimately their customers.

Company Overview - 2024 2

Digital transformation starts with the customer
Building a digital layer on legacy APIs is not digital transformation. It’s merely a
shortcut to put your existing services online. If you want to truly transform
banking, you need to start with a modern, cloud-native platform designed to put
the customer first by making financial transactions ubiquitous.
Flexcube.ai has developed the Flexcube.ai (fin)novation platform and a set of
customer experiences that can be used individually or combined into a more
comprehensive solution that brings financial transactions into the digital world
seamlessly and elegantly.

DIGITAL ONBOARDING BANKING PAYMENTS COMMERCE LENDING INSURANCE WEALTH

Bring customers on Establish a financial Utilize multiple payment Create a commercial Provide conventional Protect your customers Enable your customers to
board quickly using an foundation by managing methods to streamline ecosystem to support lending, peer-to-peer by providing access to build financial security
automated process to deposit accounts, moving financial transactions – buying and selling and and microfinancing to insurance providers and and grow their wealth by
gather user information money between them, paying bills, sending enable merchants to support major purchases tools to manage their trading, monitoring, and
and validate credentials and managing a budget money, and buying. manage their business. and build personal or costs for healthcare, life, planning for the future.
business credit. and home security.

Company Overview - 2024 3

Modern, cloud-native platform to support (fin)novation
The Flexcube.ai (fin)novation platform provides a secure, fact-
based, and scalable architecture that enables you to combine
different financial practices into a solution that fits your digital (fin)novations
goals.
Solution
The digital experience layer is comprised of a set of applications Framework
for your customers, partners or agents, front office, and back
office. Whether you have a user experience already in mind or
want to start with our designs, we allow you to create a
presence that is uniquely yours.
System of
Engagement
At the heart of our platform is the Fabric Middleware that
includes all the journey-based APIs and microservices that
provide the rich functionality for the type of solution you are
looking to built. And with our AI Engine and Fusion Data Mesh,
you can access and analyze data to reduce fraud and while also
providing more insight to your customers and support team.
System of
Record
In cases where you already have a system of record, Flexcube.ai
can sit next to your legacy system to create a system of
engagement to orchestrate and extend the functionality needed
without disrupting your existing systems. This protects your
current investment, while opening the door to transition to a
modern, digital core, when you are ready.
Company Overview - 2024 4
 Our Focus

We make financial transactions

ubiquitous by taking banking to
the people, rather than make
people go to the bank.

We don’t just talk about it, we

do it in ways no one else can.

Company Overview - 2024 5

(fin)novation in action
Whether you are a conventional bank, digital first bank, retailer, or service provider, you can harness the power of Flexcube.ai
to create (fin)novations of your own to serve the needs of your customers or members.

Banking solutions Other (fin)novations

Telecom
PB Personal Banking
Go beyond cell plans and
Our personal banking solutions provide you with a transformative solution devices by enabling customers
that promotes personal financial well-being. Deliver innovative features that to make purchases, pay bills,
enable customers to Save, Pay, Buy, Borrow, and Grow. and get loans - all through your
mobile service.
Healthcare
Empower your physicians to
focus on healing so patients can
concentrate on getting well
through cost management and
invisible payments

BB Business Banking Mobility Construction

Our business banking solutions enable you to transform your customers’ Working with Flexcube.ai puts Help contractors by offering
business and grow their bottom line. From banking to commerce to lending, you in the driver’s seat for financial services and working
your business customers can now manage their business more effectively. controlling OTR costs and capital to meet their business
making smart decisions. needs
OB Open Banking
Retail Branded Currency
Extend your reach by creating an ecosystem of trusted partners who can offer
Enable dealers and retail Build your brand and customer
additional services and acquire new customers through your platform.
merchants to dynamically offer loyalty using a branded wallet
Provide open APIs, open connectors, and a partner sandbox to enable them
lending to customers at the and cash to incent and reward
to manage their development while you monitor usage and performance.
point of sale. customer activity.

Company Overview - 2024 6

Our Approach

We make it easy for our clients to

compose the solutions they need
with minimal development,
including a user experience that
reflects their brand.

Time to market has a cost. Our

goal is to help you reduce this
time and achieve measurable
results.
Company Overview - 2024 7
Trustworthy and Dependable
Flexcube.ai’s goal is to enable you to get up and running as quickly as Following this process creates predictability and ensures project success
possible without running up a huge consulting bill. Our approach centers with a high level of customer satisfaction. Don't take our word for it. Our
on four processes that get you to market within months, not years. We results speak for themselves.
work hand in glove with all our clients so you can go to market with a
better, more elegant solution, with a lower total cost of ownership.

52% 92% 96%

01 Plan 02 Design 03 Develop 04 Deploy
Collect requirements Develop use cases, Configure platform, Roll out the solution, Measurable Impact On Time Delivery Customer Satisfaction
and analyze user create wireframes, implement test conduct usability
feedback to define a and reconcile legacy cases, and finalize tests, and fix issues. On average, customers Following our proven Measuring client satisfaction
plan trade-offs designs have achieved a 52% implementation model, we is paramount to Flexcube.ai.
improvement across all have met our customer’s We currently have a
expected metrics within 12 expected delivery date 92% satisfaction rating of 96%
months of deployment. of the time. across all projects.

“Starting a digital transformation takes time and is a big investment. Our “We need to improve our system of engagement but were limited by
original expectations were to complete this project over a 24-month our legacy platform. Working with Flexcube.ai allows us to redesign our
period, but Flexcube.ai was able to guide the process and compose our user experience and add much needed functionality to keep our solution
personal banking solution in 12 months and stay on budget. Amazing!” competitive to grow our accounts by 5 times.”

Bank CIO Bank CEO

Company Overview - 2024 8

 Our Team

We are a passionate group of

problem solvers, technologists,
designers, data scientists, and
financial service specialists on a
mission to bring banking to the
people.

Our tag line says it all:

You can bank on us!

Company Overview - 2024 9

Why Flexcube.ai
Flexcube.ai is the best partner to develop and execute on your digital
transformation playbook. Our results makes us a leader in helping banks, financial
services firms, and retail companies achieve measurable results.

Simple, Beautiful User Experiences Grow at Your Own Pace and Quickly Adapt to Change
We deliver the most seamless and compelling customer Our comprehensive set of APIs and microservices allow you to tackle
experiences possible that reflect the kinds of relationships you your digital goals without having to do everything all at once. We
want to establish. can also develop new services to address your changing demands.

Plays Nicely with Others Bank Like Fort Knox- Secure and Reliable
We have an orchestration layer that drapes over legacy systems Security is of paramount concern in financial transactions, so our goal
and allows you to develop a system of engagement while is to exceed the highest banking security standards and comply with
maintaining your core as the system of record. all critical industry standards.

Company Overview - 2024 10

Are you ready to (fin)novate?

Begin your digital transformation journey with Flexcube.ai.

Contact:

GetStarted@flexcube.ai
www.flexcube.ai
+1 (209) 489-4243

Solutions:

Banking - Payments - Lending - Wealth - Commerce

Offices:

Cupertino, CA - San Diego, CA - Hyderabad, India

Company Overview - 2024 11