WHERE BANKING MEETS MARKETS



We offer a sales and distribution platform for banking, treasury and wealth management products. While most financial market applications are built for traders, FinIQ is one of its kind platform that is designed for sales, with support for fully configured financial products.

With a wide range of financial products consisting of deposits, notes, bonds, funds, shares, foreign exchange, equity linked structured products and OTC derivatives, FinIQ meets all the requirements of your Treasury and Wealth Management business. FinIQ has automated the entire spectrum covering front-to-back functionality, helping 80 plus banks in Asia-Pacific region to improve their pricing and processing efficiency. The system allows configuration of workflows, product schema and payoffs, pricing data and analytics, post-trade life cycle events, GL accounting rules, sales commissions, price negotiations, credit and collateral tracking, documentation templates, suitability and compliance rules and also real-time liquidity links to top-10 market makers, making it a complete end-to-end platform for your retail, wealth and commercial channel distribution needs.

We offer model-bank implementation option which comes with 50 popular products and 10 common workflows pre-configured, ensuring significant time-to-market advantage over our peers.


The FinIQ System is currently used by
12,000 Bankers
from 80 Banking Units
of 30 Banking Groups
across 18 Countries

FinIQ offers front to back system
15  Different Modules
  3 Asset Classes

FinIQ electronic trading network connects to
15  Leading Investment Banks
for 3 Asset Classes



FRONT TO BACK TRADING PLATFORM

MARKET SHARE BY CLIENTS

  4 Banks   8 Banks   10 Banks   13 Banks
  2 Banks   4 Banks   1 Bank   4 Banks
  2 Banks   1 Bank   2 Banks   3 Banks

MARKET SHARE BY LIQUIDITY PROVIDERS

  2 Providers   2 Providers   2 Providers   4 Providers
  1 Provider   2 Providers   1 Provider



PRODUCT CATALOGUE

1. Trading Distribution

    Mass market distribution for retail, wealth, private & corporate banking

  • Commercial FX & Forwards
  • Retail Branch FX Sales
  • Dual Currency Investments
  • Fixed Income and Bonds
  • Retail Structured Products
  • Equity Linked Notes & Investments
  • Mutual Funds and Unit Trust
  • Interest Rate Swap, CDS, Equity Swap
  • FX Options, Exotics & Accumulators

2. CRM and Private Wealth

    Customer financial planning and portfolio management

  • Client Wealth Planning
  • Client Order Management
  • Client Portfolio Accounting

3. Trade Execution Platform

    Multi dealer best price execution with leading market makers

  • EQ Connect for Equity Structured Products (SaaS-based)
  • FXD Connect for FX Structured Products
  • FI Connect for Fixed Income Bonds

4. Standalone Trading Tools

    Asset-class agnostic modules with API support

  • Suitability Check Engine
  • Documentation Engine
  • Mid-life Payout ‎Engine
  • Product Ideas Communicator
  • Product Catalogue Management
  • Pricing and Mark-to-Market Engine
  • Volatility Surface Analytics
  • User Configured Products
  • Generic Monte Carlo Pricer

5. Transaction Support

    Middle and back office modules with business workflow support

  • Cash Equities Processing and Billing
  • Corporate Action Entitlements Processing
  • Treasury Collateral & Margining
  • PB Collateral & Margining
  • Trade Warehouse & Regulatory Reports
  • Consolidated Client Statements
  • General Ledger and Accounting
  • Structured Product Fixing and Life Cycle Events
  • SWIFT, Settlements, Share Delivery and Payment Integration






ORDER MANAGEMENT

END-TO-END AUTOMATION OF
SALES & DISTRIBUTION


  • Order Capture
  • Approval Workflow
  • Product Catalogue
  • Search Engine
  • Access Control
  • Validation Rules
  • Financial Amendment
  • Cancellation
  • Pooled Orders
  • Order Placement Form
  • Settlement Instructions
  • Add-On Order
  • Hedge Trade
  • Book Building
  • Order Watching


Electronic pricing, negotiation and order capture replaces manual workflows, improving efficiency and reducing data errors. Distribution reach can now be increased due to the ability to offer lower minimum trade size, greater product flexibility, expanded geographical scale meeting investment and risk management needs of all client segments.






ELECTRONIC LIQUIDITY

BEST PRICE EXECUTION
WITH LEADING MARKET MAKERS


  • Liquidity via FIX Protocol
  • 9 FX Options Suppliers
  • 14 EQ Derivatives Suppliers
  • Email Based Alternative
  • Timed Quotes
  • Streaming Quotes
  • Online Execution
  • Willing Buyer Choice
  • Willing Seller Choice
  • Thresholds & Rules
  • Best Price Logic
  • Quote History


Online hedging of client orders with leading markets has been made possible while reducing exposure to price movement risk. Clients can now be offered more competitive prices due to the guarantee of best price execution and also due to the fact that the distributors don’t require a market movement buffer in their prices as the quotes are real-time. Clients can be offered tailor-made instruments of their liking as there is no human intervention in the price discovery process.








CLIENT ACTIVITY

IN-DEPTH INFORMATION
AT A BUTTON’S CLICK


  • Orders Placed
  • Deals Done
  • Documents Sent
  • Recommendations
  • Products Offered
  • Products Permitted
  • Profitability
  • Products Liked
  • Coupons Expected
  • Portfolio Allocation
  • Portfolio Composition
  • KYC Parameters
  • Position, Risk & P/L
  • Settlement Instruction


A holistic perspective of the client relationship helps Sales Desk get a 360° view of the client profile. Clients can make informed decision while investing, since they get access to the latest facts. Sales Desk can better target the products for the client, taking into account the client’s need as well as intentions, leading to improved customer service and timely regulatory compliance, driving up client satisfaction and business sustainability.







PRICING ANALYTICS

SOLUTIONS FOR TAILOR-MADE
FINANCIAL INSTRUMENTS


  • Live market feed
  • Solvers
  • Volatility Surface
  • Yield Curve
  • Indicative Price Grid
  • Dealable Prices
  • Smart Spreads
  • Sensitivities
  • Hedge Management
  • Simulation Pricing
  • Multiple Underlyings
  • Schedule Generation
  • RFQ workflow
  • Coherency Checks
  • Proprietary and Commercial
  • Pricing Models


Clients often demand tailor-made products as against a set of pre-defined catalogue of products. Ability to price such products via market-data linked pricing models complemented by smart solvers that suggest product parameters for client specified targets, helps establish a niche. Clients can now find specific solutions for their specific needs instead of buying without choice - based on a limited range of products.







COMPLIANCE & CONTROL

FUTURISTIC COMPLIANCE
TO DO BUSINESS WITHOUT FEAR


  • Framework-Based
  • Client On-boarding, KYC
  • Suitability Rules
  • Documents Signed
  • Revision Cycles
  • Product Validations
  • Risk Scores
  • Approval Workflow
  • Credit Check
  • Collateral, Limits
  • Allocation, Composition
  • Correspondence Audit
  • Future-Proof
  • Termsheets


Compliance rules involved in selling structured products are constantly evolving. The ability to configure these ever changing rules aids in meeting banks' time-to-market objectives. The system automates suitability, KYC, product promotion, OTC collateral, trade approval, inbound and outbound documentation, best price execution, reporting and many such compliance functions via a configurable framework.








POST-TRADE LIFE CYCLE

STRAIGHT-THROUGH-PROCESSING
WITH REDUCED COMPLEXITY


  • Rule-Based Framework
  • IR, FX, EQ, CO
  • Fixing, Exercise
  • Barrier Watch
  • Corporate Action
  • Confirmations & Advices
  • Notifications
  • Coupon, Accruals
  • General Ledger
  • Payment - SWIFT
  • Redemption
  • Taxes, Fees
  • Transfer, Split
  • Statements
  • Cash, Physical, Quanto


Servicing of a trade after it is booked involves numerous processing events including market-linked fixings, coupons, callbacks, exercises, barrier and target checks, margin calls, accruals, compounding, corporate actions, advice printing, notifications, payments, and accounting entries. These are now fully automated, resulting in much lower processing costs per trade, lower operational risk and significantly improved customer service.







NEW PRODUCTS INNOVATION TO ACHIEVE FASTEST TIME-TO-MARKET


  • Multiple Asset Classes
  • Full Trade Life Cycle
  • Pre-Packaged Products
  • User Configured Products
  • Product Design Toolkit
  • Customizable Layouts Payoff Language
  • Validation Checks
  • Document Templates
  • Termsheet Templates
  • Workflow Designer
  • Various Underlyings
  • Reusable Components
  • Pricing Model Links
  • Spreads & Rules
  • What-If Simulation

User configuration product framework allows on-the-fly creation of new financial instruments as well as modification of existing product features. Product payoff, campaign parameters, sales commission scheme, optionality rules, derivatives clauses, fees structure, coupon and accrual rules, event schedules, business validation, order aggregation, suitability, pricing links, documentation and trade capture layout can be easily configured using the UCP toolkit. Extremely aggressive time-to-market targets can now be met for products ranging from funds, UT, deposits, and notes, to complex OTC Derivatives Instrument.







EQUITY BASED INSTRUMENTS

FinIQ PRODUCT COVERAGE


  • OTC Option
  • Barrier Option
  • Accumulator
  • Decumulator
  • Equity Swap
  • Equity Linked Investment
  • Equity Linked Notes
  • Quanto ELN
  • KI, KO, Autocall
  • Basket Bull ELN
  • Daily Range Accrual
  • Fixed Coupon Notes
  • EQ Booster Notes
  • Step-down Autocall
  • Twin-Win Note


Equity linked products are either packaged as note securities or offered via Request-for-Quote workflows. The pricing can be in-house or third-party. FinIQ supports products ranging from OTC options to bull ELN, accumulators and baskets. The system also allows definition of customized payoff products with OTC, deposit and note wrappers. The entire life cycle has been automated, starting from price discovery, term sheets, order pooling, order fulfillment, allocation, limit checks, fixing, coupon and redemption along with full audit trail and audit monitoring.







TRADITIONAL & HYBRID PRODUCTS

FinIQ PRODUCT COVERAGE


  • Mutual Funds
  • Unit Trusts
  • Exchange-Traded Funds
  • Certificates of Deposits
  • Insurance
  • Banking Deposits
  • Gold Lending
  • IPO Financing
  • Banking Loans
  • Equity Cash


FinIQ supports most traditional products such as Deposit, Loans, Insurance, gold lending, Unit Trust, Share Margin Finance and other securities. The workflows in traditional products often get very tangled due to real-world consideration such as re-investment, early withdrawal, funding cost, installment payments, past due settlement, fees, brokerage, commission, transfer, split, delivery, takeup, drawdown and many such features. Among retail, corporate, commercial and wealth management segments these workflows again vary significantly, but are still managed elegantly by the FinIQ workflow management platform. Beside FX, equity and rates linked derivatives products and traditional products, FinIQ also offers hybrid structured products via its User Configured Products (UCP) framework, making it an unparalleled product platform.







INTEREST RATE BASED INSTRUMENTS

FinIQ PRODUCT COVERAGE


  • Government Bond
  • Corporate Bond
  • Perpetual Bond
  • Callable Bond
  • Variable Coupon Bond
  • Interest Rate Swap
  • Cross Currency Swap
  • Credit Default Swap
  • Total Return Swap
  • Equity Linked Swap
  • Fully Funded Swap
  • Overnight Index Swap
  • Floating Rate Note
  • Credit Linked Note
  • Inverse Floater
  • Preferred Share
  • Forward Rate Agreement
  • IR Swaption
  • Bond Option


Interest rates module in FinIQ supports all three categories - bonds, swaps and notes. More advanced structured deposits or notes can be structured via a totally configurable payoff definition engine which not only facilitates order management, but also does the entire post-trade life cycle. The system handles workflows for confirmation, coupon advice, inbound document, SWIFT payments, amortization, valuation, collateral, margining, accrual, coupon, maturity, early redemption, accounting and many such post-trade processes. For custom-made products, the system allows payoff specification with complex algebra, combination of different frequencies and holiday conventions, if-then-else rules, market inputs, memory effects, alerts and watches.







FOREIGN EXCHANGE INSTRUMENTS

FinIQ PRODUCT COVERAGE


  • FX Spot
  • Limit Order
  • FX Forward
  • NDF
  • FX Swap
  • Time Option
  • FX Option
  • Barrier Option
  • Digital Option
  • Accumulator
  • Target Redemption
  • DCI
  • DCI Barrier
  • Triple Currency
  • Commodity Linked
  • Principal Protected DCI
  • FX Pivot


From retail cash FX to complex multi-expiry or multi-underlying option strip, FinIQ supports the whole range of FX based products. The functionality includes pricing, liquidity, order management, collateral calculation, limit check, deal capture, middle office, back office, fixing, documentation and accounting. FinIQ also offers comprehensive volatility surface analytics, live market feed and links to top market markers. FinIQ’s Option Strip design tool allows creation of re-usable structures and strategies that can be booked as ready-to-use packages hiding all the complexities of respective building blocks.