Rethink your customer experience; digitize your business models, and streamline your operations Offer a seamless and consistent interaction between customers and their financial institutions across all channels. Omni-channel leads to a successful Digital Bank
OMNI-CHANNEL FACTS
- Increase customer demands: any time, any place, on any device, across any channel
- Deliver information in real time across all touch points
- Digital transactions are cheaper
- Improve channels’ multiplication
- Improve customer acquisition by unifying digital banking experience
- Offer the right screen for the right task
- Enable faster customer service
- Reduce queuing time in branches
- Increase sales and satisfaction
- Decrease costs
- Gain staff productivity to focus on more complex matters
ENRICH CUSTOMER EXPERIENCE
Follow a customer centric approach through a unified digital banking experience. Deliver information in real time across all touchpoints any time, any place, on any device, across any channel
DIGITAL BANKING-CHANNEL CAPABILITIES
AGGREGATED DASHBOARD
- Recognize global position (what I owe, what I have)
- My Products aggregation
- Spending overview: categorization and comparison over the last period (same month last year, last 2 months)
- Incoming and outgoing transactions
DIGITAL ONBOARDING & ORIGINATION
- Digital onboarding enablement to improve operational efficiencies
- Easy KYC enablement – wizard based
- Fill your information – AML check
- Select a product (account, credit card, loan, etc…)
- Visit the bank for final signature
CIF & USER MANAGEMENT
- Hierarchical segmentation
- Joint CIF management
- Multi-user enablement
- CIF to CIF relationships
PRODUCTS & TRANSACTIONS
- Aggregated balances and financial statement (current, savings, debit and credit and credit cards, loans)
- Account/card summary and details
- Big data transaction repository for analytic and reporting
- Transaction detail view
- Completed and pending transactions
- Loyalty reporting and visibility
- Applicable service requests per product type
FINANCIAL TRANSFER
- Own account transfer
- Internal bank transfer
- Local and international transfers
- Standing orders
- Bill payment and recharge services
- Payment templates
- Beneficiary management
- Strong customer authentication (SCA) to sign the transaction for ultimate security
SERVICE REQUEST
- Offline request management
- Straight-through-processing when applicable
- Dispatcher and fulfillment center workflow management
- Easy configuration and management for various service requests
COMMUNICATION CENTER
- Secure messaging (inbox)
- Personalized in-app notifications web and mobile
- Bulk notification per segment/product type
- Personalized notification settings
- Event based notification: upon salary domiciliation, upon credit interest, check deposit, utilities and bills, etc.
IDENTITY AND SECURITY MANAGEMENT
- Identity empowered with single sign-on capability across all channels
- Login with various method: password, pin, fingerprint, and OTP
- Multi-factor authentication (MFA) for login and transaction signing empowered with OTP and enabled mobile device soft tokens (same as Google authenticator)
- Easy self-password recovery process
- Access control: grant access to the right person, with the right permissions, and the right time
- Secure authentication and authorization based on Oauth 2.0 and OpenID connect protocols
RISK MANAGEMENT
-
Financial limits
- - Number of transactions per day/week/month
- - Total amount of transactions per day/week/month
- - Etc…
- Audit trails for customer and staff activities
CUSTOMER SUPPORT CENTER
- Customer 360 view
- Enrollment management
- Customer identification process
- Credential management
- Personalized recommendations