OMNI-CHANNEL
DIGITAL BANKING

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