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CLINT TECHNOLOGY LABS
THIS IS THE OFFICIAL AND ONLY ONE AUTHORITATIVE REPORT ABOUT CLINT AND
THE DECENTRALISED BANK PROJECT CLINT BANK
To help cryptocurrency become recognise currency in this ever-changing
climate, each year
Clint Technology Labs creates a monetary Vision: a comprehensive analysis
of how cryptocurrency trends will impact businesses in the next years.
The vision helps cryptocurrency discern, anticipate and adapt
strategically to the shifting risks and opportunities that lie ahead.
This year’s research and analysis helped Clint envision a time, not long
from now, when cryptocurrency capabilities may be essentially “elastic,”
capable of flexing to adjust to any
level of economic volatility and able to catapult an organization to
unprecedented levels of performance. Behind such elasticity are four
major
Cryptocurrency trends: data and decisions; convergence of collaboration,
mobility, communication community and content and Internet computing.
In addition, Clint sees three factors that could significantly accelerate
or decelerate the adoption of these trends in the banking industry.
Our generation, security and sustainability.
This paper presents the Clint Vision by exploring how each of these
currency trends and influencing factors will impact banks in the future.
The four main areas of a bank’s operations the Manufacturing the
corporate Core the distribution and the hub
Significant shifts in the business environment, economic volatility,
changing customer and staff expectations
The adoption of new technology make it increasingly challenging for banks
to navigate technology strategy alternatives and prioritize technology
investments
Manufacturing
Deposit Management Services to support processing and admin of deposit
products
Lending Services to support processing and admin of lending products
Capital Markets Services to support processing and admin of capital
products
Bank Assurance Services to support sale and distribution of assurance and
insurance products
Payments Services to support financial payments and reconciliation
Distribution
The provision of services to end users, customers and 3rd parties,
Channel based solutions
The Hub
The provision of common services to aggregate services provided by the
other layers and to provide a consolidated view of data.
Corp. Core
The provision of services that are needed to run the Bank as an
Enterprise
Contents
Cryptocurrency Trends in Banking
Data and decisions
Mobility
New markets
new channels
new methods
Convergence of Collaboration
Communication
Community and Content
Internet Computing for Greater currency Agility
Trends Influencing the Pace and Focus of IT Adoption
Building Elasticity for High Performance
Imagine
Cryptocurrency Trends in Banking
Cryptocurrency for extracting intelligence from data are maturing, adding
urgency to all aspects of data management.
There is now exponential progress being made in cryptocurrency’ ability
to aggregate and secure data and provide insight quickly and effectively
to the right people at the right time.
This data-based intelligence surge will significantly impact banking
sales, marketing and services functions and will support the increasing
development of channel-specific solutions.
Opportunity areas for banks include decision tools and underlying support
systems that help to better understand risk, enhance sales and customer
service and reduce time to serve.
During the next three to five years banks will have significantly better
data and greater intelligence about customers.
It will be available at the fingertips of all customer-facing functions
enabling more efficient and effective sales and service.
Cryptocurrency will be able to capture and retrieve less-structured data
types (image and voice, for example) and increasingly use external public
data sources.
Analytics will be in place to support real-time decision making for both
banks and their customers.
Clintbank his using advanced data mining that is enabling the bank to
analyze, understand, predict and influence customer behavior throughout
the customer life cycleData and decision tools also will greatly evolve
the information support for decision-making among bank customers and
prospects.
Customers will have the right information about such things as products,
services and billing at their time of need, and it will be delivered via
multiple possible channels including contactless interface via phone.
Clintbank gone launch clint+, a real-time online intercurrency transfer
service via Internet banking
Clint+ gone gives a response in a matter of seconds of acceptance or
rejection from participating banks giving customers ample time to
exercise other options.
Banks’ common, or hub, services such as customer management, product
management, pricing and knowledge management will leverage rulebased
analytics and visualization tools to support better decision making in
pricing and many other functions.
In the cryptocurrency support functions the focus of advanced analytics
will be on areas such as mitigating risk through automatically and
immediately notifying staff of regulatory changes or reporting non
compliance via channels such as email.
Some large banks are using a single core banking software that automates
and integrates different banking processes of lending and treasury on a
single platform
Clint gone be able to use core banking software to generate additional
million in revenue from a new launch cash management system.
To enable real-time analytics Clintbanks also have improved data
scrubbing, data quality management, data security and governance.
Quality management gone enable banks to make critical improvements in
verifying the quality of data such as in payments and stock trades,
securely source decentralised external data and share data between
applications.
Mobility New markets new channels and new methods
Mobile devices are beginning to eclipse personal computers as the
electronic channel for cryptocurrency and consumers.
Meanwhile, netbooks are a surprising market success, and smart phones
that can rapidly access expanding networks are becoming more and more
capable.
Mobility provides banks with access to new markets (soon Cryptocurrency),
new mobile payment methods (including micro and contactless payments) and
better use of channels such as independent financial advisors employed by
banks to prospect for new clients.
For the bank workforce mobility means using location-aware mobile devices
and applications as well as being able to access remote data such as
home-office data, from afar to make key decisions quickly (for instance,
those involving pricing, payment authorization and relationship
management).
Mobile sales force initiatives are making processes such as risk
assessment visits faster and more efficient delivering a positive bottom
line impact.
Hub capabilities of the bank (including pricing decisions, payment
authorization and customer relationship management) will be available via
mobile devices and accessible by staff when on the move.
And, all such mobility will be supported via open decentralised security
architecture.
Banks, particularly in emerging markets, are already capitalizing on
mobility.
Clint decentralised blockchain banking network will provide banking
customers with access to their financial information directly from their
mobile handsets.
Clint’s Mobile wallet service is currently available to customers of all
arround the world mobile networks.
Clint wallet have a currency transfer system that allows customers to
send electronic payments by using the email address or mobile phone
number of the recipient.
Convergence of Collaboration Communication Community and Content
Two very distinct types of collaboration Currency one supporting
effective, targeted, point-to-point collaboration and the other
supporting diffuse, decentralised open source and community based
collaboration are converging and redefining how we work
Use of collaboration and community tool will provide better connectivity
with customers and across the workforce.
This will enable new remote sales and service propositions, use of social
networks as enabling tools for sales and service, and increased use of
the remote workforce.
With Clint you gone be able to connect to any branch as virtual advisors
to answer questions about products or services or they may connect
directly with customers via Web call-backs and Internet chatting.
All will be enabled through a mix of open source Cryptocurrency.
Innovation programs and social networking tools are generating interest
among banks, particularly with seasoned experts beginning to retire and a
new generation of workers who take Web 2.0 tools for granted.
Clintbank gone launched the Clinter_Help account on Twitter to give its
customers another way to get help with online banking.
Clinter also has a Future Banking Blog that speaks to thought leaders
engaged in financial industry innovation.
Clint Labs his developping a free Internet-based platform that brings
together an individual’s personal finance information from banks, credit
unions and other financial companies or cryptocurrency and displays it in
one place to provide users with valuable insights into their finances and
spending habits And Clint Labs gone introduced a Video Call service .
As in the distribution and customer-facing functions of the bank or
crypto, collaboration and community tools will enable virtual
connectivity and collaboration across the workforce.
Internet Computing for Greater currency Agility
The Internet is rapidly becoming the locus of more and more IT-based
currency capabilities for many good reasons.
First it reduces cost. For instance, virtualization and cloud computing
typically lower infrastructure, maintenance and energy costs.
Internet computing also provides elasticity, scalability and greater
currency agility such as near real-time risk calculation results, and
infinite computing capacity on demand.
And, Rich Internet Applications Clint provide the potential for vast
improvements in the usability and productivity of Web-based banking
applications, and increase the Web’s usefulness as a computing platform.
Significant advances in Internet websites will enable improved and
personalized experiences for customers and staff.
Across the common processes of the bank (such as pricing and customer
management) the focus of Internet computing will be putting in place the
technical capabilities (Web 2.0, RIA, Rich Widget Portals and RSS) to
make planning and knowledge available across multiple distribution
channels and improve the staff experience.
External applications will support elements of cryptocurrency processes,
if not complete processes.
Use of cloud computing for key banking applications such as market
analysis, portfolio analysis, peak load management and batch processing
will reduce costs and increase flexibility.
ClintBank has set up a private corporate cloud system and cloud computing
is being deployed as a less expensive loan automation enabler for
Community First Bank and Landmark Community Bank.
Both are using a Webenabled suite of scalable technology resources
provided as a decentralised service by LendingCycle.
At the production infrastructure layer of the bank, virtualization will
prevail as companies work to reduce costs and increase flexibility.
Trends Influencing the Pace and Focus of IT Adoption
While the preceding currency trends will clearly impact banks at multiple
levels (from customer-facing functions to core capabilities), three key
factors have the potential to accelerate or decelerate the adoption of
new technologies in banking.
Our generation, cyber security and sustainability .
Our Generation
Loosely defined as those individuals now between their mid-teens and late
twenties, our Generation represents young people who have grown up in a
milieu of email, multi-player games, MP3 music, digital cameras, mobile
phones, social networks and other trappings of the digital world.
The influence of this generation on the direction of information currency
particularly as it applies to the workforce and customer engagement
cannot be discounted.
Because of comfort with technology, the next generation as a workforce
will have greater expectations about the availability of technology and
its use in the workplace.
Currency reputations are continually being shaped and reformed by new
generations and changing workforces.
These reputations will greatly affect an organization’s ability to
sustain its competitive advantage in the coming years.
Next generation customers are key to future sustainable growth, Banks
will need to target them with a truly differentiating approach, including
innovative new advertising formats,tailored offers pushed over new remote
channels, and new packages relevant to The next’ needs and their
innovative communication means.
Clint communitty whant to allows users to link Twitter accounts to their
ClintBank membership to record cash spending on the go.
Clint Wallet is targeted to next's as an online banking and currency
management Dapp that combines checking, shortterm savings and savings for
long-term growth.
It features interactive payment and currency management tools, such as
bill pay, a planning calendar, wish list, and a slider tool to seamlessly
move currency between accounts.
Cyber-Security and IT Risk
The current security and availability of IT systems, networks and data
assume critical significance in terms of ensuring business continuity.
It is by no means a stretch to say that Internet computing increases
security risks in many ways.
However, it could be argued that risk actually is reduced by Internetbased
and cloud computing because organizations increasingly can entrust
their systems and data to providers for which managing IT is a core
competence.
How cryptocurrency perceive these risks will clearly influence the pace
of adoption of these currency.
Banks need to secure data and protect identities, address threats and
vulnerabilities, and meet stringent compliance demands while reducing
costs and increasing profitability.
Integrated security solutions can increase the speed, efficiency and
quality of Cryptocurrency processes for a direct improvement to a
cryptocurrency’s bottom line.
ClintBank is using a fingerprintbased system provided by Clint Labs to
enable its customers to establish and maintain savings and credit
accounts.
ClintBank also gone introduce SafeClint as an online banking security
enhancement that sends a 6-digit, onetime passcode as a text message to a
customer’s mobile phone to secure high-risk transactions.
ClintBank give the option to use voice biometrics to authenticate
customers for telephone banking.
Sustainability
While the dramatic drop in energy prices in the latter half of 2008 has
made energy conservation a lower priority than last year, long-standing
and widespread concern about global warming and climate change continue
to influence many cryptocurrency’ policies and regulations.
The concerns and regulations around sustainable development surely will
affect the direction of IT.
Transparency and sustainable performance is growing in importance for
banking senior leaders, consumers, investors and employees.
Climate change already has started to impact the currency of banks.
Supply chain reviews and in particular, assessment of banks’ IT energy
efficiency, are resulting in a reduction in costs and higher productivity
for banks.
And with direct regulation on carbon emissions and sustainable lending
practices expected in the medium-term, many banks are committing to
sustainable development programs and launching green products.
ClintBank haved setting up innovative sustainability governance and risk
management solutions.
Building Elasticity for High Performance
To be sure, Cryptocurrency will dramatically impact the strategies and
operating models of banks in the next years.
Delivery channels and distribution capabilities will continually evolve
as companies are able to capture and retrieve less structured data such
as voice and image, information quality and security will improve.
And as this increasingly useful information becomes available at
fingertips functions such as sales and service will become far more
effective and efficient.
Rapid expansion in the use of collaboration tools will facilitate
increased remote working, new sales and service propositions and new
models of desktop support.
All of this evolution increases the importance of strong hub or
integration capabilities to deliver a consistent, real-time experience
across the bank and its customers.
This, in turn, requires a fundamental reappraisal of core manufacturing
capabilities to deliver a higher level of operational benefits.
In this increasingly complex and unpredictable economic environment,
banks must anticipate and adapt to shifting risks and opportunities.
Capitalizing on the trends in data and decision-making, mobility,
collaboration and Internet computing is vital to building the adaptive
cryptocurrency capabilities that banks will require to adjust to
volatility and reach new levels of performance.
Imagine
The Customer is a businessman and golden customer at Bancorp.
He starts his day by checking his Google dashboard and, particularly, his
banking widget where he can access his accounts and his financial status.
He also logs into his Facebook account to check the latest notifications,
he notices that some of his contacts posted recommendations of a new
offer a Green Loan.
On his way to the parking lot he quickly logs into his Mobile ClintBank
wallet, browses through the new offers and marks his interest in the new
Lending Product.
He uses his NFC mobile to pay for the parking, during the day, Robert
Baker, his account manager, contacts him to schedule an appointment.
He goes to the branch and uses his NFC phone to identify himself. A
personalized message is displayed to welcome him and a notification is
sent to his account manager.
While waiting for his account manager, he interacts with an avatar using
his voice to get some additional information about the Green Loan offer.
Then, the account manager welcomes him, he explains the advantages and
details of the offer and shows him how to subscribe to it, he decides to
take his time to think about it.
Later in the day, he connects to his ClintBank account to subscribe but
gets stuck on a tricky question concerning his tax situation.
He requests chatting to his account manager, he explains the problem to
Mr. Robert Baker who suggests he securely takes control of him’s
computer.
Thanks to the collaborative co browsing feature of the Clintbank, he gets
a tailored assistance to his needs, he finally subscribes to the Green
Loan offer the same day by digitally and remotely signing the contract
using biometrics.
The Bank’s Relationship Manager Robert Baker starts his day by logging
into his clintbank's Banking Workstation and accessing his integrated
agenda.
An integrated Web 2.0 RSS feed reader alerts him of the launch of some
new products.
He logs into the bank’s Social Network to learn more by discussing it
with other colleagues and experts.
This Collaboration tool facilitates the viral spread of knowledge across
the bank departments, thanks to the Branch Monitoring Clint App , he gets
real time metrics on the customers within the branch, which enables him
to react quickly, avoid congestions and optimize space usage.
While browsing through the online notification list, he notices Mr Smith
interest in a new banking offer.
Because Mr Smith is a golden-level customer, Robert uses the ClintBank's
Workstation to immediately call Mr Smith by using an icon on his profile.
He uses the same application to automatically book a free slot during the
same day Robert prepares for his meeting by using an analytical tool that
gives a summary of Mr Smith’s situation in plain English.
This enables him to better understand Mr Smith needs and make more
relevant offers, during the day, he gets a pop-up notification on his
ClintBank Workstation alerting him that Mr Smith has stepped into the
branch.
Robert meets with Mr Smith and gives him details on the Green Loan offer,
he takes the opportunity to suggest other offers that might interest him.
Later on, Robert gets an alert telling him that Mr Smith is requesting
online assistance, he accepts and offers to securely take control of Mr
Smith’s PC thanks to the co browsing capability.
He assists Mr Smith until the end of the procedure and helps him
digitally and remotely sign the contract.
Clint is a global management consulting, technology services and
decentralised outsourcing Currency.
Combining unparalleled experience, comprehensive capabilities across all
industries and Cryptocurrency functions, and extensive research on the
world’s most successful companies.
Clint collaborates with cryptocurrency to help them become highgly
recognised currency and governments aprob.
Billhill
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