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THE LEADING FINANCIAL TECHNOLOGY PARTNER POWERING YOUR GROWTH
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THE LEADING FINANCIAL TECHNOLOGY PARTNER
POWERING
YOUR GROWTH
A GLOBAL SOLUTIONS AND SERVICES PROVIDER —
GLOBAL PRESENCE wITh LOCAL ExPERTS COmmITTED TO yOUR SUCCESS —
P. 1 yOUR TEChNOLOGy PARTNER Of ChOICE
P. 2 A wORD fROm ThE PRESIDENT
P. 4 SOLUTIONS AT ThE hEART Of yOUR BUSINESS
P. 5 OUR CLIENTS
P. 7 OUR ORGANIzATION
P. 8 INVESTMENT MANAGEMENT SOLUTIONS INVESTmENT mANAGEmENT PLATfORm fOCUS ON yOUR BUSINESS, OUR ExPERTS DO ThE REST
P.10 fRONT AND mIDDLE OffICE
P. 11 BACk OffICE
P. 12 hEDGE fUNDS
P. 13 OUR STRATEGy fOR INVESTmENT mANAGEmENT
P. 14 PERSONAL INSURANCE
CONTENTS
P. 15 LENDING & LEASING SOLUTIONS
P.16 STREAmLINE OPéRATIONS ACROSS PRODUCTS AND LINES Of BUSINESS
P.17 INCREASE OPERATIONAL EffICIENCy AND GROw yOUR BUSINESS
P.18 AUTOmATE mULTIPLE LINES Of BUSINESS – STATE-Of-ThE ART TEChNOLOGy TO mEET yOUR BUSINESS ChALLENGES – LINEDATA, A TEAm Of ExPERTS wORkING fOR yOU
P.19-20 “BEST IN CLASS” PLATfORm – LINEDATA EkIP360
– LINEDATA PROfINANCE
– LINEDATA CAPITALSTREAm
– LINEDATA UNILOAN
P.21 OUR STRATEGy fOR LENDING AND LEASING
P.22 hELPING OUR CLIENT GROw AND ThRIVE
P.23 INNOVATING TOGEThER fOR yOUR GROwTh
P.24 CLIENT ENGAGEmENT PROGRAm
P.25 SOmE CLIENTS
A GLOBAL SOLUTIONS AND SERVICES PROVIDER
GLOBAL PRESENCE WITH LOCAL EXPERTS COMMITTED TO YOUR SUCCESS
NEW YORKMADRID
TUNIS
RIGA
LUXEMBOURG
HONG KONG
CHENNAI
LONDONDUBLIN
PARIS
EDINBURGH
BOSTONTORONTO SEATTLE
IRVINE
1,000 employees
operating in over 50 countries
15 offi ces
❘ 01
YOUR TECHNOLOGY PARTNER OF CHOICE
GLOBAL LEADER IN INVESTMENT MANAGEMENT, INSURANCE AND LENDING
& LEASING TECHNOLOGIES
Our solutions are used
by more than
63, 000 fi nancial users worldwide
More than
45awards
An independent partner listed on
Euronext since 2000
46% revenue growth in 10 years
450 Buy Side institutions manage their operations every day with
our technologies
10 of the top 30 Asset Management companies worldwide rely
on us to manage their front offi ce operations
Our Buy Side solutions are used to manage US $2.5 Trillion assets globally
130 institutions in 35 countries use our Lending and Leasing
solutions
End-to-End platforms combined with advanced services to manage your entire value chain
More than
35%of our clients
use our SaaS services
51%increase in R&D investment
over the last 3 years
UNCOMPROMISING CLIENT FOCUS
DRIVEN BY INNOVATION
Over 75% of our clients have
worked with us for over 5 years
02 ❘
A WORD FROM THE PRESIDENT
Each day, throughout the world, more than 63,000 fi nance professionals use our
technologies to manage their business. Building on the genuine commitment of
each of our thousand employees to serve our clients, the Group has evolved and
expanded to become a respected global technology partner in the investment
management, credit and insurance industries.
Today, Linedata’s aims are high. The Group will deliver growth and dynamism
through its renewed ability to innovate, while retaining the qualities that have
been its strengths to date: independence, sound fundamentals and international
growth.
We seek to achieve this through RISE, our multi-year, company-wide initiative
that began in early 2013. RISE puts our clients at the heart of the Group’s strategy
and operations as part of an ongoing process of excellence and innovation. The
initial successes of RISE have been encouraging, spurring us on to accelerate and
redouble our efforts.
• Your satisfaction is the main focus of each of our business lines and is
measured using a program based on the Net Promoter Score methodology.
• Online and mobile versions of our services are now a reality. Many of our
clients, mainly in North America, have already adopted these platforms to
differentiate themselves and win market share.
• Over the last 10 years, our research and development activities have been
crowned with more than 45 prestigious prizes of global stature, such as the
“outstanding technology vendor” accolade. Regular meetings such as user
groups and Linedata Exchange events have ensured the involvement of the
industry and our clients in our software strategy.
• New clients, principally in Latin America and Asia, have joined the Linedata
user community. Some of the European top names in banking and fi nance
have renewed and extended their commitment with our Organization in
recent months, thereby strengthening our position as a technology leader
in the fi nancial services industry.
As a responsive and proactive partner, we will be by your side for the long-term to
meet your needs and support your success, both today and tomorrow.
We invite you to learn more about our services via this brochure or our website
(www.linedata.com). Our teams, the real drivers of our growth, are also at your
disposal: I would urge you to help them strengthen our dialogue with you.
Anvaraly Jiva
Founder & CEO
Anvaraly Jiva
Founder & CEO
❘ 03
Each day, throughout the world,
more than 63,000 fi nance
professionals use our technologies to manage
their business.
We are committed for the long term, to help you
accelerate your success.
Anvaraly Jiva Founder & CEO
04 ❘
LINEDATA OFFERS INTEGRATED, GLOBAL AND MODULAR PLATFORMS THAT COMBINE
BEST-IN-CLASS SOFTWARE TECHNOLOGIES AND SERVICES
—
Linedata provides global solutions for the fi nancial services community in the areas of Investment
Management, Insurance and Lending. We offer innovative solutions that focus on our value chain
from the front and middle offi ce to your compliance and back offi ce needs.
WE DON’T JUST PROVIDE SOLUTIONS, WE OFFER A PARTNERSHIP
—
Linedata is more than a simple software provider. As a partner, we seek to support you throughout
the life and growth of your business.
AN INCREASING RANGE OF SERVICES
—
Service, more than just a word… a culture. From implementation and advisory services to consulting,
Linedata is an extension of your team providing you with all the services you need to implement
and leverage our solutions. Did you know that each year Linedata is recognized as one of the best
client servicing companies? Not only do we offer technology services such as SaaS, but we also
provide business services to allow you to stay focused on your core activities.
Consumer Finance
Commercial Lending
Automotive Finance
Equipment Finance
Real Estate Finance
Dealer Financing
LENDING & LEASING
Alternative Investment
Institutional Asset Management
Custodians and TPAs
Wealth Management
Insurance
INVESTMENT MANAGEMENT
SOLUTIONS AT THE HEART OF YOUR BUSINESSThe fi nancial services industry is continually evolving.
We work with you to help make your long-term vision a reality.
❘ 05
LINEDATA: AT THE HEART OF THE INVESTMENT MANAGEMENT
AND INSURANCE INDUSTRIES
—
Investment management fi rms
Linedata provides a range of solutions to manage all types of investment
processes across a wide range of fi rms, including institutional portfolio
and collective management companies, hedge funds, prime brokers, fund
managers, fund administrators, transfer agents, and the subsidiaries of
banks or independents.
Insurance companies and mutuals, retirement funds and pension funds
Beyond investment management processes, Linedata offers a unique
European platform that manages all types of personal insurance
contracts.
LINEDATA: AT THE HEART OF THE LENDING & LEASING INDUSTRY
—
Specialized lending & leasing providers and banks
Universal banks, bank owned specialists, Corporate banks, Retail cap-
tives, Independent lessors, Industrialized captives, Automotive captive
fi nance companies… all those fi nancial institutions are supported by
Linedata’s range of solutions that cover all consumer and corporate
fi nancing activities, from origination to termination, delivering the latest
technology associated with a very strong professional services team.
OUR CLIENTS
Linedata is an independent company whose growth and sustainability is centered on our
clients and the long-term relationships we have built with them. For our employees, each
client matters and is at the very heart of our business and strategy. Our aim is to be the
technology partner of choice for each fi nancial company we serve. Why not you?
RISE is a multi-year corporate plan recently launched by Linedata. Placing the client at
the heart of our strategy, RISE encompasses major client-centric initiatives implemented
at the Group level and throughout our organization. As a result, one of the many exciting
projects introduced is the launch of a new client portal, My Linedata (my.linedata.com),
to provide improved levels of information and streamlined feedback on our services and
products.
I see Linedata’s
distinguishing
feature as being the team behind
the technology. They strive to
form partnerships and display
a dedication to providing a
customized solution. Generally
speaking, everyone has capable
technology but not everyone
creates goodwill. That’s the key
ingredient when engaging a
service provider long-term.
Rob Binnington
Manager of Operations and
Marketing at Vertex One
Asset Management
DeDeninis s BlBleyey,AdmAdminiinistrstratiation on & Finain nce
AnAnAnAnvavavavarararararaalylylylylylylyy JJJJJJJJJJivivivivivvivivvva,a,a,a,a,a,a,a,a ChaChaChaChairmirmirmirmman an an anan n of of of of ofof thethethethetheethe ExExExExExExExExEE ecuecuecuecuecucuecutivtivtivtivtivt e Be Be Be BBe ee Boaroaroaroardddd
Michael de Vererteeuiuil,l, Business Develoopmepmentnt
The Supervisory Board Linedata is a company governed by an Executive Board and a Supervisory Board. The members of the Supervisory Board are appointed by the shareholders’ general meeting and are eligible for re-election. The Board meets regularly as prescribed by law, including to review the annual and interim fi nancial state-ments and to consider the Executive Board’s quarterly reports.
Jacques Bentz Chairman of the
Supervisory Board
Vivien Levy-Garboua Vice-Chairman of the
Supervisory Board
Lise Fauconnier Member
Francis Rubaudo Member
LINEDATA IS A COMPANY GOVERNED BY AN
EXECUTIVE BOARD AND A SUPERVISORY BOARD
—
The Executive Board
The members of the Executive Board are
appointed by the Supervisory Board and perform
general management functions.
❘ 07
A GLOBAL ORGANIZATION BY MAJOR CLIENT BUSINESS LINE
—
Linedata has structured all of its activities across sales, product strategy, R&D, relationship
management, support and other services, around three major lines of business. Each provides
services and solutions that address the full value chain of its clients worldwide and combines local
proximity with global expertise.
Anvaraly Jiva, Chairman of the Executive Board
Mike de Verteuil, Business Development Director
Denis Bley, Chief Financial Offi cer
Patricia Regnault Fouqueray, Marketing, Communications
& Client Management Director
1
2
3
41 2
34
OUR ORGANIZATION
Daily challenges for Linedata include anticipating industry needs, improving our client
satisfaction, ensuring the excellence of our solutions and services, and innovation.
In order to optimize our solutions and services, Linedata has adopted a dynamic matrix
organization, based on our clients’ business lines.
INSURANCE
GLOBAL STRATEGIC AND OPERATIONAL COORDINATION
—
Our organization by Business Line relies on support functions at the group level: business
development, strategy, fi nance, legal, client relations, marketing and communication, and R&D.
These functions provide overview and support to the Business Lines.
5 Alfred Mesguich, Chief Technology Offi cer
LENDING & LEASING
INVESTMENT MANAGEMENT
INVESTMENT MANAGEMENT
SOLUTIONSConsolidation and cost optimization, increased market and security complexities,
regulation and compliance are key challenges faced by institutional and alternative asset management fi rms. Linedata has always, and continues to be, committed to supporting our
clients’ needs, with global solutions that enhance workfl ows and operations.
In order to support your growth we offer a scalable and comprehensive front-to-back offi ce platform
whose various components can be implemented in combination or as standalone solutions. The
Linedata asset management platform is based on an open architecture that integrates easily with
your existing infrastructure.
We have developed a comprehensive partnership program that guarantees you the best of fi nancial
information technology combined with the fl exibility you require.
All of our technology is available as a deployed solution or in a hosted environment for a fl exible and
customized offering. With Linedata, you have a choice of tools and infrastructure, with the guarantee
of security and scalability that your asset management business requires and deserves.
We have extended our product range through strategic acquisitions, adding complementary technolo-
gies that integrate seamlessly with one another. This comprehensive offering for asset managers
allows Linedata to offer the best technology, handling all institutional and alternative asset management
workfl ows from pre-trade through post-settlement and administration.
08 ❘
❘ 09
FOCUS ON YOUR BUSINESS, OUR EXPERTS DO THE REST
—
Since our inception, we have worked closely with buy side fi rms to understand their business cri-
tical workfl ows. As a result, through our Buy Side Managed Services, we have developed detailed
knowledge and expertise across the range of services typically required by these organizations.
As a fi rm seeking more effi cient ways of serving your clients, Linedata works with you to offer new
standards in delivering services and meeting those increasing demands.
Linedata Buy Side Managed Services allows you to offl oad specifi c operations to our experts. Line-
data assumes the on-going responsibility for monitoring, managing and/or problem resolution for
selected systems and functions on your behalf. Linedata’s Buy Side Managed Services help you
meet your business goals while benefi tting from a lower and predictable monthly cost.
INVESTMENT MANAGEMENT PLATFORM
PORTFOLIO
MANAGEMENT
ConnectivityBrokers markets, ECNs, ATS, Stock exchanges,Dark pools, Algos, etc.
MIDDLE OFFICCE
Position Keepping
Investment Boook of Records
Post-trade Commpliance
FUND SERVICVICINNG
Fund Ac Accounnting
Tranansfer Agency
NNAV and Unitt Pricing
Reporting
IMPLEMENTATION
SERVICES
BUY-SIDE
MANAGED
SERVICES
PROFESSIONAL
SERVICES AND
ADVISORY
TRAINING
Financial intermediaries
Administrators
Custodians
Prime brokers
Record keepers
Transfer agents
TRADING
BROKER NEUTRAL
PARTNERS
ANSACTIONORDER AND TRA
MANAGEMENT
OMPLIANCEPRE-TRADE CO
MANAG
AL
ND
ININGBROKER N
PARTNER
SERVICE
CLIENT
FO
LL
OW
THE SUN S
UP
PO
RT
De
plo
ye
d o
r ho
sted
Advanced visualization
cap
ab
ilities
Scalable modular technolo
gy
10 ❘
LEVERAGE THE POWER OF TECHNOLOGY
—
As an investment manager, you need to leverage technology to drive
investment performance, ensure compliance, monitor risk, reduce costs
and streamline operations.
Linedata Front Offi ce Platform provides enhanced portfolio management
tools, order management workfl ows, expanded execution management
tools and analytics, streamlined allocation tools, advanced compliance
monitoring, integrated portfolio analytics with performance measurement
and fl exible reporting.
TAKE ADVANTAGE OF A SOLUTION BUILT FOR YOUR BUSINESS
—
Linedata Front Offi ce Platform streamlines the investment lifecycle with
full multi-currency, multi-asset class and multi-site support. Innovative
trading uses embedded partner algorithms through our Liquidity Alliance
Program. Integrated with our fully managed Linedata Lynx service, we
offer market access to 400+ global brokers and 50 partners (ATS, dark
pools, broker algo’s etc.).
To simplify breach management, our integrated and award winning com-
pliance engine supports what-if inquiries, multi-level breach overrides,
breach assignment and ‘four eyes’ review standards.
Linedata has enhanced and complemented our advanced portfolio manage-
ment tool kit with performance analytics through a strategic partnership
with Stat-Pro Revolution, a cloud-based portfolio analysis system which
offers performance and visual analysis in a hosted environment.
Portfolio Management
Complex Modeling
Rebalancing
What-if Analysis
Cash Management
Performance Analytics
Risk Monitoring
Order Management & Trading
Global Connectivty through
Linedata Lynx
Liquidity Alliance Partners
Order and Execution Management
Trader Performance (TCA)
Commission Management
Compliance
Pre- and Post-Trade
Paremeterized Rules
As-of Compliance
Automated Disclosure Monitoring
Managed Services
Reporting
FRONT & MIDDLE OFFICE
INVESTMENT MANAGEMENT SOLUTIONS
Linedata is not
simply a global
technology provider, they go
beyond by providing value-
added services, such as their
reliable hosting platform, and
the dedication and support
necessary for our continued
growth as a business.
Graeme Llewellyn
Operations and Chief
Information Offi cer
Daniel Burstein & John Kiley,
Front & Middle Offi ce
Asset Management
❘ 11
End-to-End Fund Administration
Solutions
BACK OFFICE
HELPING YOU MEET YOUR FUND SERVICING CHALLENGES
—
The engine that drives your business must be robust, secure and reliable
but at the same time scalable, fl exible and effi cient. Ready well in
advance of regulation yet capable of adapting to your changing commercial
needs as you add funds, explore new markets and grow your business.
It’s a challenge that we at Linedata address every day. Our fund servicing
solutions are designed, built, maintained and supported by over 150 experts
around the world, including developers, qualifi ed accountants, business
analysts and systems specialists.
ANY TYPE OF ORGANIZATION, ANYWHERE
—
With clients from specialist, niche players to the world’s largest asset
managers and fund administrators, Linedata supports all sizes of fi rm
and all types of fund servicing, from in-house to third party administra-
tion, from insurance fi rms to family offi ces, mutual funds to hedge funds.
We are proud to work with over 160 clients in 23 countries around the
world, providing local support and specialist knowledge wherever you are.
We are very
happy with how
Linedata has performed over
the past twelve years. New
users have found the system
easy to learn and the support
back-up has been very good.
Many of our contacts have not
changed in both client support
and consultancy. That continuity
and Linedata’s understanding of
our business is a strength that is
valued by Teachers Assurance.
Nicola Neate
Investment Administration
Team Leader
Transaction processing
Investment Book Of Records
Multi GAAP fund accounting
NAV / unit pricing calculation & validation
Transfer agency & shareholder accounting
Business process management tools
Web reporting
Market Data as a service
Thierry Soret & Arnaud Allmang,
Back Offi ce
Asset Management
12 ❘
LINEDATA GLOBAL HEDGE
COMPREHENSIVE FUNCTIONALITY AND EXTENSIVE SERVICES
PR
E A
ND
PO
ST
-TR
AD
E
CO
MP
LIA
NC
E
AP
Is, I
NT
ER
FA
CIN
G,
CO
NN
EC
TIV
ITY
SERVICE ELEMENTS, HOSTING, MANAGED SERVICES,
CONSULTING, REGULATION MONITORING AND SUPPORT
RIS
K A
NA
LYT
ICS
RE
PO
RT
ING
TRADING AND ORDER MANAGEMENT
PORTFOLIO MANAGEMENT
AND MIDDLE OFFICE
INVESTOR ACCOUNTING
BROKERS LINEDATA LINKS ETC.
• TRADE MATCHING • PRIME BROKERS• ADMINISTRATORS • RECONCILIATION
INVESTORS AND REGULATORS
The Hedge Fund industry has grown steadily in the
past fi ve years to a size of approximately $2.7 Trillion.
This growth has been accompanied by a maturing of
the industry and while the entrepreneurial spirit of the
industry has not dimmed, there are now more challenges
facing emerging managers than ever. Linedata’s hedge
fund business line offers you software and services which
assist hedge fund of all sizes in meeting the challenges
of running a successful and effi cient business, with a
key focus on the need for accurate real-time portfolio
management and compliance.
LINEDATA GLOBAL HEDGE: COMPREHENSIVE,
MODULAR, SCALABLE
—
Integrated and fl exible platform
Take only the elements you need. Add functionality as
required.
From trading to corporate actions to master-feeder
structures
Linedata’s innovative technology also takes in partnerships
with recognized third party suppliers.
Driven by innovation
Innovation is central to our technology development. To meet
the exacting demands of the industry our products have open
APIs and intuitive front ends. We use the same technology
shell for development across the board and focus on deliver-
ing solutions which are easy to use and to manage, enabling
clients to do as much or as little work themselves as they
wish.
Investor-ready
Proven solutions from an established provider with excellent
credentials.
HEDGE FUNDS
Gary Brackenridge
& Sally Crane,
Hedge Funds
INVESTMENT MANAGEMENT SOLUTIONS
Multi-Award Solution
We are proud to have
been recognized with several awards
from independent industry experts:
• “Best Fund Accounting Software” (2015)
• “Best Portfolio Management Software”
(2015 and 2014)
• “Best Technology Firm-Client Service” (2013)
• “Best Fund Accounting & Reporting System”
(2012).
❘ 13
EVERY DAY, EVERYWHERE
—
Each day, our clients manage billions of dollars in global transactions. Each day, Linedata solutions
support our clients’ growth, while helping them achieve their goals. We deliver technology which is
adaptable to market needs, whether you are an asset manager expanding into alternatives, an insu-
rance company addressing regulatory changes or an administrator acquiring new clients.
A COMMITMENT TO PARTNERSHIP
—
Our goal is to be the preferred technology partner for the global investment management industry.
As experts in all aspects of investment management technology, both on a regional and global level,
we offer a tailor-made solution through our multi-asset end-to-end platform combining recognized
best-in-class systems with comprehensive professional services and a fl exible, modular approach.
As your partner we offer you choices in functional coverage, geography and delivery.
OUR STRATEGY
—
We recognize that the fi nancial markets are growing in complexity and changing faster than ever.
Our response is to draw on the specialized expertise for each area we cover, and to continuously
invest in our suite of systems and services in a consistent manner:
Front offi ce:
Further invest in the development of our next generation Front Offi ce platform offering portfolio
management, trading and compliance tools to help increase operational effi ciencies and reduce risk
Leverage client Focus Groups and Advisory Boards to ensure we deliver the technology and services
required for them to remain competitive
Back Offi ce:
Continue to invest in and develop our highly acclaimed fund accounting, transfer agency and repor-
ting solutions around the globe, adapting to market needs and regulatory requirements
Focus on development of tools and services which aid effi ciency, promote automation and reduce
operational risk
Hedge Funds:
Use the considerable success of Linedata Global Hedge as a basis to strengthen our position in the
hedge fund market and expand our range of services to meet growing market needs
Leverage our strong front offi ce capabilities to support the growing alternatives markets across
the globe
Partnership:
Further develop partnerships across our Investment Management business to offer comprehensive
technology packages and choice of delivery methods
Technology continues to advance in the area of hosting; Linedata is actively expanding our signifi cant
SaaS offering with turnkey services in areas such as compliance, reporting and data.
OUR STRATEGY FOR INVESTMENT
MANAGEMENT EXPERTISE, PARTNERSHIP AND INVESTMENT
14 ❘
A COMPREHENSIVE SOLUTION FOR THE LIFE INSURANCE,
PERSONAL PROTECTION AND RETIREMENT SAVINGS INDUSTRIES
ANNUITIESSAVINGS
INDIVIDUAL AND
GROUP PENSIONS
INDIVIDUAL PERSONAL
PROTECTION
MORTGAGE INSURANCEWHOLE LIFE
ENDOWMENTS
CASH
SAVINGS
LINEDATAMASTER I
The market for personal insurance is extremely competitive. In order to optimize
your costs while remaining proactive and fl exible, it is vital to strengthen your
technological and functional infrastructures, whether you are an insurer,
retirement savings provider or intermediary.
With a deep understanding of your challenges and over 15 years’ experience in
your sector, Linedata can support your growth with Linedata Master I.
LINEDATA MASTER I, THE BENCHMARK SOLUTION
FOR INSURANCE PROFESSIONALS
—
Linedata Master I is a unique solution for all the portfolio management processes of
individual and collective savings contracts for insurance and pensions.
Modular, fl exible and integrated, Linedata Master I is ideal for medium-sized and large
companies seeking performance, fl exibility and scalability with optimal coverage of
their existing and future products.
With Linedata Master I, you can bring your new products to market within a few days
while complying with your standard IT and administrative processes.
PERSONAL INSURANCE
INVESTMENT MANAGEMENT SOLUTIONS
LENDING & LEASING
SOLUTIONS
THE NEW NORMAL:
OPPORTUNITIES AND BIG CHALLENGES TO UNDERTAKE
—
Financial conditions and recent analyst surveys show that growth is back in the lending & leasing
industry, but it is still not the environment that we knew before the 2008 fi nancial crisis. Regula-
tory pressures, client behavior, and stricter governance have all changed the banking environment.
In this new normal environment, lending and leasing professionals are facing increasing
challenges and opportunities. If regulation remains the top challenge, there are two other
concerns that demonstrate how the market has reached an important milestone: 1) Increasing
attention to client relationship management and 2) Developing new offerings and services.
IT priorities also need to be more focused on business development, while streamlining processes
and mastering risk. Origination & Front Offi ce platforms, Portfolio, Risk Management and Busi-
ness Intelligence tools will be the major investments for fi nancial institutions in the coming years.
HOW LINEDATA SUPPORTS YOUR INNOVATION AND GROWTH
—
Linedata offers a comprehensive range of solutions that covers all consumer and corporate
fi nancing activities, from origination to servicing and termination, delivering in-depth expertise in
the fi nancing businesses as well as the latest technology.
Linedata is a global recognized leader in the lending and leasing industry, assisting fi nancial in-
stitutions with the development of their business worldwide. With over 450 professionals focused
on lending and leasing, Linedata serves more than 130 institutions in Europe, Africa, Americas
and Asia.
ill Hughes,BBBBB
ending and Leasing,LLeeee
orth AmericaNNNNNNN
lain Mattei, AAAAlAAA
ending & LeasingLLee
and Insurance, Europeanannnnnn
❘ 15
16 ❘
STREAMLINE OPERATIONS ACROSS PRODUCTS AND LINES OF BUSINESS
CONSUMER FINANCE & COMMERCIAL LENDING, ALIGNING REGULATORY BURDEN,
OPERATIONAL RISK AND DIGITAL OPPORTUNITIES
—
With the upheaval in banking and lending over the last several years, it has never been more criti-
cal for lending operations to be effi cient. Increasing competition and regulation demand better
processes, systems, controls and information.
Banks with the right policies that effi ciently manage their operations and portfolios are not only
surviving, they are outperforming their competitors. From origination through servicing and port-
folio management, the industry is moving to one straight-through-process and platform. Leading
banks are also integrating origination with CRM, document generation, imaging, credit, collateral,
fi nancial statement and covenant monitoring.
The changes imposed by laws, the client expectations and the continually evolving market drive
the industry to innovate and add value and customization to their offerings. The use of digital tools
is a great opportunity for client credit professionals to enhance their client experience through
mobile applications both for internal teams and retail partners, digital signature and document
management, and shorter authorization processes.
Linedata provides the lending & leasing business automation platform allowing fi nance organiza-
tions to gain operational effi ciencies and control risk throughout the approval and ongoing man-
agement during the loan and lease lifecycle. Thanks to the extent of Linedata solutions, you can
offer tailored lending solutions, including traditional lending, revolving credit, and purchase of
receivables (consolidation).
AUTOMOTIVE FINANCE, MASTERING COMPLEXITY
— The fi nancing channels of the automotive dealer network have reached an unprecedented level
of complexity for carmakers and their captive subsidiaries which are playing the role of banker
to authorized dealers. This is a constraint for manufacturers, captives and dealer networks, but
may also become an opportunity on the condition that all fi nancing and management issues are
addressed at an overall level and designed around integrated software packages which combine
retail and wholesale channels with account management.
Linedata offers a comprehensive end-to-end solution, supporting direct and indirect lending,
addressing the key tenets of an auto fi nance business: origination, servicing and collections through
a single, integrated platform with solutions for all consumer and dealer fi nancing activities.
EQUIPMENT FINANCE, CREATING ADDED VALUE
—
Many players in the leasing sector have come to the same conclusion: knowing their clients better
and controlling the products they sell will be the growth drivers of tomorrow.
Consequently, all growth initiatives must integrate the following:
A detailed analysis of the best-performing segments: client knowledge, distribution circuits,
and products and services sold
Optimization of client risk management
Value creation by improving the quality of services provided
Linedata offers a comprehensive end-to-end solution allowing you to offer to your clients fi nancing
products adapted to their needs, including asset fi nance, fi nancial lease, full service rental, fl eet
management and services contracts.
LENDING & LEASING SOLUTIONS
❘ 17
We provide a “Best-in-Class” software suite for lending and
leasing professionals that offers a seamless platform for all
distribution and management activities of leases and loans
from the fi rst client contact to contract termination. This
suite includes the following features:
Manage all your contract acquisition cycles with cross
channels capability (point of sale, phone call, web front
end, and mobile applications)
Streamline and secure your contract process with an
embedded decision-making system
Optimize your contract administration and after-sales
operations
Complies with all the market regulations: Dodd-Frank
Act, CFPB, FASB, FATCA, Basel III, SEPA Part II, FCA,
and Lease Accounting Reform
INCREASE OPERATIONAL EFFICIENCY AND GROW YOUR BUSINESS
COMPLETE LIFECYCLE MANAGEMENT
OF ALL RETAIL AND COMMERCIAL FINANCING
INDIVIDUALS
BUSINESSES
CONSUMER FINANCE
COMMERCIAL
LENDING
DEALER
FINANCING
EQUIPMENT
FINANCE
AUTOMOTIVE
FINANCE
REAL ESTATE
FINANCE
FRONTTO
BACK
18 ❘
AUTOMATE MULTIPLE LINES OF BUSINESS
LENDING & LEASING SOLUTIONS
STATE-OF-THE ART TECHNOLOGY TO MEET YOUR BUSINESS CHALLENGES
—
Our software offering is based on SOA architecture and organized around our client’s business
lines: Consumer Finance, Commercial Lending, Automotive Finance, Equipment Finance, Real
Estate Finance, and Dealer Financing. This enables us to position our offer in a market where
information systems require more interoperability and scalability. Our platform has been built to
support millions of contracts and thousands of concurrent users. We are also able to manage your
processing environment with our SaaS offering.
LINEDATA, A TEAM OF EXPERTS WORKING FOR YOU
—
Our teams are dedicated to helping you meet your business requirements while signifi cantly
reducing your total cost of ownership, optimizing your time-to-market and supporting your
specifi c product offerings.
We adapt our support to your company’s needs and leave it to you to decide the level of assistance
you wish to receive: functional and technical support or full integration of our software solution
into your architecture.
❘ 19
“BEST IN CLASS” PLATFORM
We chose Linedata
Ekip to create and
manage our new Equipment
Leasing contracts. This project
was completed in a few
months which is an excellent
performance in terms of
software project implementation
in the leasing sector.
We particularly appreciated
the robustness and the reliability
of the software, as well as the
support provided by the expert
Linedata teams.
Olivier Prot
Managing Director
LINEDATA EKIP360
—
Linedata Ekip360 is a global front, middle and back office software
solution for the lending and leasing industry that offers full life-cycle
administration for all types of businesses, including Consumer Finance,
Automotive Finance, Equipment Finance, and Real Estate Finance. It has
full multi-company, multi-lingual, multi-currency facilities with country
specifi c fi scal and legal compliance. Linedata Ekip360 delivers intuitive
and powerful rich web user interfaces which can be personalized by
pure confi guration: pages grouping multi-tab business information, 360°
view on business objects, contextual widgets of possible actions, ongoing
workfl ow actions.
LINEDATA PROFINANCE
—
Linedata Profi nance is a comprehensive wholesale Dealer Financing
management system offering a global solution for dealer funding
facilities. Designed by professionals from the automotive fi nance industry,
this solution manages international wholesale operations and is highly
confi gurable to support a wide range of fi nancial products and plans
including traditional inventory fi nance (fl oor plan facilities), dealer loans,
advance commission, overdrafts, factoring and spare parts fi nance.
Our fi nancing
activities for
customers and dealers are
managed with a single tool:
Linedata Ekip360. We manage
70,000 customer contacts,
25,000 new contracts per year
and our network includes 300
points of sale and about 1,000
vendors. Linedata Ekip360 has
contributed to an increase in our
fi nancing market share in Toyota
sales and to an improvement
of our dealers’ satisfaction. It
offers higher reactivity to the
end customer because the tool
allows to obtain an immediate
answer from the dealer in most
cases.
David Schotkosky
Director of Operations
20 ❘
LINEDATA CAPITALSTREAM
—
The Linedata Capitalstream lease and loan origination and risk
management platform automates disparate, paper-based, and high-touch
operations into a fully integrated, straight-through processing front offi ce
solution. It allows fi nance organizations to gain operational effi ciencies
and control risk during the approval and on-going management all along
the loan and lease lifecycle. Linedata Capitalstream provides the business
and risk intelligence and process optimization that credit teams need to
manage risk, ensure compliance, streamline product delivery, and grow
customer relationships.
LINEDATA UNILOAN
—
Linedata Uniloan manages complex structured fi nance projects, as well
as a large range of credit products including cash loans, loans to local
authorities and trade receivables. Its modular structure covers a variety
of fi nancing arrangements including repayment, roll-over, and revolving
and multi-currency mechanisms. Collateral and guarantee management
features are also available.
LENDING & LEASING SOLUTIONS
Confi gurability of
the system by bank
staff was a critical requirement
for the selected platform, and
where Linedata Capitalstream
differentiated itself from the
competition.
We now have a single system
to handle the underwriting,
approval and monitoring of
standard and complex loans.
Neal O’Hurley
Senior Vice President
Commercial Real Estate
Implementing
Capitalstream
has allowed us to standardize
our commercial loan origination
process by streamlining
the steps and eliminating
redundant data entry throughout
that process. We have also
signifi cantly reduced our
renewal processing time with the
Capitalstream system in place.
Our monitoring process used to
be diffi cult as the information
was housed on several different
systems. We have currently
migrated all monitoring to
Capitalstream allowing for
reporting, monitoring and data
consistency.
Mary Ellen Comella
Director of Credit Management
❘ 21
OUR STRATEGY FOR LENDING
AND LEASING MORE THAN A PROVIDER, WE ARE A LONG-TERM PARTNER
OF OUR CLIENTS
Our mission is to be a strong partner for all lending and leasing institutions supporting their innovation and growth with end-to-end comprehensive platforms and high-level services.
We have three top commitments: Ensure a constant and long-term investment into our technology to:
Offer state-of-the art platforms (SOA architecture, rich web interfaces, mobile application)
Enrich our core systems with more tools to help our clients make the right decisions and enhance their customer experience (Data sets, Business Intelligence tools, digital documents, e-signature)
Provide guidance to our clients with the best experts in the areas of business that we currently cover: Consumer Finance, Commercial Lending, Automotive Finance, Equipment Finance, Real Estate Finance, and Dealer Financing
Accelerate our global presence in the coming years. Next steps include:
Increased local presence to support global deployments
Extend product availability to support geography specifi c needs
Expand our existing leasing and commercial lending activity and develop our presence in the car fi nance industry in North America
Quickly grow our market share in Latin America based upon recent successful implementations
Enlarge our current leadership in Northern European countries and penetrate the commercial lending market
Develop our current client base in automotive and consumer fi nance to other countries and other types of fi nancing in Asia
22 ❘
HELPING OUR CLIENTS GROW AND THRIVE
While fi nancial institutions continue to meet new challenges in their busi-
ness, they are also faced with demands for greater transparency from
existing clients, optimizing returns on investment and adapting to ever-
changing regulation. Scalable technology platforms will manage growth,
meet complex client requests and manage necessary and rapid changes
– all while discovering effi ciency and effectiveness in their operations.
Working with Linedata Professional Services teams will help you further
maximize your operations, increase client satisfaction and gain a com-
petitive edge. Our collaborative approach, industry expertise and tech-
nical and functional understanding of the Linedata platforms will help
you optimize the effectiveness of your technology infrastructure. Our
Professional Services group has extensive experience acting as both a
system integrator and technology provider, delivering the best of both
worlds with a single partner to meet your business challenges head on
with the right solution and the right processes.
Linedata Professional Services offers a full range of services, supporting
our clients in a wide variety of ways, from simple product training to fully
hosted, managed solutions, as required:
Implementation Services
Comprehensive services
to optimize implementation
of Linedata solutions.
Maximize operating effi ciencies.
Managed approach includes
Project Management, Business
Analysis, Technical Upgrade and
System Testing & Confi guration.
Client Support
Global support through local,
regional experts.
Expertise from subject matter
experts in specifi c industry
fi elds to highly-experienced
technical engineers.
Effi cient resolutions with focus
on effective communications.
Hosting and SaaS
Eliminate upfront capital
expenditure.
Reduce recurring operational
costs.
Technology infrastructure
and operation support.
Professional Services
Leverages Linedata technology
and defi nes business and
IT strategies.
Advisory Services designed for
clients to leverage technology
and improve daily business.
Application Development
Services analyze business
processes and address custom
development needs.
Training Services
Maximize the benefi ts of
Linedata’s broad range of
comprehensive solutions.
Educational programs
for improving effi ciencies.
Flexible and diverse training
programs to meet specifi c
business needs.
❘ 23
INFORMATION SECURITY—
We take Information Security
very seriously. With a never
ending spate of attacks on
companies all around the
world, Linedata understands
how important it is to keep
data secure. Our comprehen-
sive approach to data security
and compliance with global
privacy regulations makes
Linedata the ideal partner to
trust with your mission criti-
cal applications and confi -
dential data. Our approach
to security includes a robust
global information security
program based upon inter-
national standards such as
the ISO27001 framework and
Directive 95 requirements,
as well as SSAE16 auditing
standards. Please feel free to
contact us to enquire further
about Linedata Information
Security capabilities.
INNOVATING TOGETHER FOR YOUR
GROWTH
Linedata recognizes that in today’s rapidly evolving technology and
business landscape, our clients must innovate to survive. Rapidly rolling
out new products, changing business processes, supporting new channels
and client interactions, adapting to regulatory changes: these are just a
few of the opportunities to differentiate.
To do that, you need your technology to enable such innovations, not be
something you have to work around. Linedata uses agile development
processes to ensure that we can rapidly expand our product offerings to
match the evolving technology landscape as well as your business needs.
This agile approach means that we can react quickly to your new require-
ments. It also facilitates our own innovation, as the model provides time
for developers and product managers to prototype and try out new ideas
as part of each release. Everyone at Linedata is encouraged to innovate
in all areas from products and business models to processes. We have
programs in place to recognize and reward innovation throughout the
organization.
We are very proud to have won 45 awards over the last 10 years. Recently
recognized for the “Best Disruptive Technology” and as “the Outstanding
Technology Vendor” by two major fi nancial publications, year after year
we demonstrate our capacity to innovate in terms of technology and ser-
vices. These awards also constitute a strong recognition of our ongoing
commitment to anticipate market evolutions and to support the growth
of the fi nancial services industry.
We know that you do not rest on your laurels so nor do we. Some of
our best ideas come directly from our clients and we encourage them
through our client engagement program to identify what creates the most
impact for them. Join one of our programs now: let us be your innovation
partner too.
2015US TECHNOLOGY
AWARDSWINNER
24 I
CLIENT ENGAGEMENT PROGRAMAt Linedata, clients are integral to our development process. We work closely with our clients to ensure their voices are heard and taken into account. Beyond our formal client satisfaction program, we regularly organize online and in-person events to meet with clients to share information and ideas with them. These meetings are often in the form of users groups, advisory boards and Linedata Exchanges, etc.
OUR LINEDATA EXCHANGE PROGRAM—Linedata Exchange is an annual series of events designed to encourage a rich dialogue between you, your peers and Linedata while offering you the opportunity to listen to leading industry experts delivering expert commentary and content on the subjects that matter most to you.
Launched in 2010, this global series of events has been attended each year by over 900 industry participants in Paris, London, North America and Asia. There is always a Linedata Exchange session near you; visit our dedicated website to see the program and register:
www.linedataexchange.com
We look forward to welcoming you to your local Linedata Exchange!
BUILDING YOUR FUTURE
LINEDATA EXCHANGE A GLOBAL EVENT
SOME CLIENTS
LINEDATA IS PROUD TO WORK WITH PRESTIGIOUS CLIENTS FROM AROUND THE GLOBE, INCLUDING:
—
NORTH AMERICA
— USA
260 Franklin Street
13th Floor
Boston, MA 02110
USA
T: + 1 617 912 4700
90 Park Avenue
28th Floor
New York, NY 10016
USA
T: + 1 212 485 8580
4 Park Plaza
Suite 120
Irvine, CA 92614
USA
T: + 1 800 827 2010
1111 3rd Ave.
Suite 950
Seattle, WA 98101
USA
T: + 1 800 827 2010
Canada
Brookfi eld Place
TD Canada Trust Tower
161 Bay St. 27th Floor
Toronto, ON, M5J 2S1
Canada
T: + 1 416 572 2131
SOUTHERN EUROPE
— France
31/33 avenue Aristide Briand
CS 20003
94112 Arcueil Cedex
France
T: + 33 (0)1 73 43 70 20
Spain
Calle General Yagüe
20, 4°A
28020 Madrid
Spain
Luxembourg
10 rue C.M. Spoo
L-2546 Luxembourg
Luxembourg
T: + 352 29 56 65 1
NORTHERN EUROPE
— United Kingdom
Bishopsgate Court
4/12 Norton Folgate
London, E1 6DB
United Kingdom
T: + 44 (0)20 7360 1800
Forth House
28 Rutland Square
Edinburgh EH1 2BW
United Kingdom
T: + 44 (0)20 7469 8702
Ireland
Heather House, Heather Road
Sandyford Business Estate
Dublin 18
Ireland
T: + 353 1 293 7300
ASIA
— Hong Kong
Unit 901-902, 9/F
Li Po Chun Chambers
189 Des Vœux Road Central
Hong Kong
T: + 852 3583 7900
DEVELOPMENT
CENTERS
— Tunisia
Immeuble Cléopâtre
Center - Bloc B
Centre Urbain Nord
1083 Tunis
Tunisia
T: + 216 71 185 800
Latvia
Europa Business Centre
Ropazu Street 10
Riga LV-1039
Latvia
T: + 371 6784 4833
India
Amara MLS Business Center
Suite 602 (a), 6th Floor
N°148, DR. Radhakrishnan Salai
Mylapore, Chennai 600004
Tamil Nadu
India
T: + 91 44 3384 0000
RELATIONSHIPS
INNOVATION
LIFETIME VALUE
SERVICE
HEADQUARTERSLinedata - 19 rue d’Orléans - 92523 Neuilly-sur-Seine Cedex - France
T: + 33 (0)1 73 43 70 26 - F: + 33 (0)1 47 08 11 78
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www.linedata.com
