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Online Banking
Digital banking -
no longer a matter
of nice to have
61
these digital channels could even drive
consumers to look for other providers
for their financial needs. 1.9
billion
%
As the adoption of smartphones has
grown exponentially, customers expect of people use their
mobile phone to carry
mobile access to their financial services mobile banking users out banking activity,
with 48% using a dedicated
as well – through any device at any point by 2019 (Gartner) banking app.
(Mobile Ecosystem Forum)
in time. With customers being exposed
to more and more diverse financial
products, it becomes paramount to
35
have a single, consistent view on all
Banking Apps
financial information delivered securely, 2012 to 2017
in real-time and through any channel.
Banks should however not aim to cover
the basic transactional services but
%
+356%
strive to create value added services for
of people in emerging
their clients such as personal finance markets send money
to friends or relatives
management. via a mobile phone,
with 62% sending pre-paid In UK, from 2012 to 2017,
airtime to someone else. onsumer use of banking
apps increased 356%
(BI Intelligence)
Digital channels do not only As customers interact with their bank through digital channels, they leave a
offer a bank’s customer the tools Disintermediation lot of valuable information about the products they use and information they
they desire to interact with their search for. Digital banking provides a bank with the right tools to run very
bank, at the same time they effective marketing campaigns and enable cross selling to its existing customer
also do create clear benefits for Control
base. Mobile and internet banking channels enable the bank to create targeted
banks. With the bank’s products marketing messages to their various customer segments and achieve a short
become available through digital time-to-market for new products.
Controller
channels, there is a reduced
need to have physical presence
such as branches. A bank’s Cut Costs /
reach is no longer limited by Increase ROI
and services,
Ready
to Reporting Banking Mobile Apps Tablet Apps
integrate Console Services iOS/Android iOS/Android
1. Manage cards, accounts, loans and 6. Multi-institution flexible branding 1 Rapid Deployment, Rapid Return
SmartVista has been designed to seam-
when making regular bill
payments via the ATM network, users
limits including linking to cards issued support, including localization support lessly and quickly integrate into virtually can extend these services to initiate
at other banks any infrastructure. It has a range of such bill payments from their mobile.
7. Support for virtual cards pre-configured online, offline and systems, card management systems
2. Perform a wide range of banking and wallets near real-time options for integrating and other solutions.
transactions: payments, transfers, with service providers, money transfer
currency conversions, remittance (cash
by code) including cardless transactions
8. Access to bank information: special
offers and campaigns, ATM/branch
processors, core banking systems,
card management systems and other 3 Building customer loyalty
When SmartVista’s sophistication and
locations, official information solutions. advanced feature set are combined with
3. Submit customer applications for banks its security and ease of use, the result
products and services 9. Notifications, reports and statements
2 A Toolbox for New Revenue Streams
SmartVista completely transforms the
is a solution that delivers improved
customer satisfaction. Using the latest
4. View customer details: cards and 10. Powerful messaging engine including way financial services are delivered to technologies to seamlessly integrate
accounts info, cardholders’ details, push notifications and secure customers. By using the solution, not Smart@ Bank into other applications,
loyalty program details message inbox allowing customers to only can the Bank reduce the cost of the solution delivers access to a single,
communicate with service support their branch network, but the Bank consistent view of a customer’s com-
5. Industry grade security features, can also expand the products offered plete financial relationship, in real-time,
including biometric authentication and to customers remotely. Enabling rapid across internet and mobile channels.
country transaction restrictions roll out of new products and services,
SmartVista is the ideal tool to help
banks generate new revenue streams. 4 The platform for single or omni
channel
It gives consumers access to a wide SmartVista is designed to support both
range of services, like creation of virtual internet and mobile channels but it can
cards, which can be linked to existing be deployed to support either of them
cards or accounts. Customers can use individually. Tapping into the business
SmartVista benefits these cards themselves, for online pur- needs of every bank’s individual con-
chases or they can provide the details text, SmartVista can support full omni
to others, for payments, as gifts or to channel requirements but also serve as
• Secure and convenient access to retail banking services at any time perform funds transfers. The SmartVista a tactical solution for banks that want
• Extensive account and card management options wallet capability allows catering for the to roll out a new mobile app quickly or
• Statement history available at any time requirements of non-banked clients launch a brand new internet banking
• Flexible management of payments and transfers and can be seen as a new channel to on channel. Whatever the requirement,
• Tight integration with the mobile banking solutions board new clients. The solution’s inte- SmartVista provides the platform to ca-
• Highly scalable solution to cater for increasing and unpredictable volumess grated design ensures that services can ter for all digital banking requirements.
• Quickly adjust to changing customer requirements and fast launch of new products be linked across channels, for example
Mobile &
Online banking