Trusted Information Exchange

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Trusted Information Exchange

• Safe, Sound, Secure Platforms

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The 187 Billion Payments Industry

• Drivers for Change
• Check 21 Legislation
• Change in FRB Cash Policy Services
• Low-Cost Network Computing Technology
  Multi-Function Shared Service Infrastructure

• Opportunities
• Straight-Through Processing
• New Merchant Services
• Lower Cost of Operations
• Fraud Reduction Opportunities

Retailers
Banks

• Fraud Losses
• Operational Expenses
• Processing Paper Checks
• Transportation
• Second Day Processing
• New 3rd Party Provider Fees
• PPS, etc.
• Check Verification/Guarantee

0.9 Billion 12.2 Billion 2.7 Billion
5.9 Billion 3.8 Billion 3.1 Billion
Sources ABA Fraud Survey - NACHA Action
Project Estimate - Nilson Report
National Retail Federation Food Marketing
Institute
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Peer to Peer Exchange / Payments Utilities
Bank A
Bank Posting Systems
Teller

• Enterprise Server
• Application Interfaces
• Image Sort Decisioning
• Clearing

• Local Server
• POP Connectivity
• Image Quality Assurance
• Replication

ATM
Merchant POP
High-Speed Image Capture
Local Archive
Local IRD Print
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Trusted Information Exchange Builds Communities
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Service Oriented Architectures
Secure
StandardWeb Services
Access
Sound
Process
Processing
Safe
Data
Information
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Safe, Sound, Secure Access to Information
Share Exchange Information
Lockbox Cash Vault
Branch/ATM Capture
High Speed Sorter / Corp.
I n f o r m a t i o n B u s
POS Capture
CorrespondentBanks
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Tremendous Growth Opportunity

• Integration Opportunity Crosses Multiple
• Business Lines
• Industries
• Countries

HealthCare
Govt.
Telecom
OtherIndustries
OtherCountries
Banking
Insurance
Brokerage
SYNORAN SolutionsAny-to-Any Connectivity
Standardized Data, Process, and Access