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FEATURES |
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Supports WAP, J2ME, SMS, IVR, STK and PocketPC |
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Supports multiple operators & banks |
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Facility to integrate with financial switches/hubs |
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Multi device capability |
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Banking while roaming |
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Extensive Bank Management Module |
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Administrator’s module |
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Provisioning Module |
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Report module |
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Real time alerts
Alerts sent to customer based on customer defined criteria
- Significant balance change alerts
- Bill payment alerts
- Credit/Debit alerts |
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Batch alerts
- Alerts sent to customer periodically |
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Push/pull transactions
- Bank initiated bill payment / credit card payment |
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End User Features include
- Fund transfers between own accounts and from your account to other accounts |
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Bank account & credit card balance inquiries
- Account statement requests |
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Cheque book requests
- Cheque realization/status requests
- Cheque realization cancellation
- Mini statement
- Bill payments
- Credit card payments |
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TopUp mobile phones |
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Utility bills & credit card payments |
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Foreign exchange |
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HOW IT WORKS |
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Once bank customers are registered to the new service all banking information stored at the banking server can be accessed by any mobile device, via a service provider.
SMS
Banco supports both Command based and Menu based SMS banking. Command based Banking uses a set of straightforward commands and codes generated upon subscribing with Banco services at the bank will facilitate the mobile users to carry out their daily transactions. The commands will be given in a two-letter format. Menu based banking or STK (SIM Tool Kit) based banking enables mobile users to access account information by keying digits representing the relevant menu option.
WAP
A more user friendly menu based approach to access bank account information. Mobile subscribers must login to Banco server with the provided URL via WAP and select the required options from the menu to proceed.
J2ME
J2ME handset users must download and install Banco application to their handheld devices and thereafter establish a connection to the Banco server to access information from their bank accounts. Responses or feedbacks from the bank will simply be delivered to J2ME users in the form of a SMS or as a response to the J2ME request. All alerts will be sent to the account holders via SMS. Banco via J2ME provides enhanced data security with end-to-end encryption from phone to banking server. |
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Banco – BANK BENEFITS |
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Easy integration into any existing banking system |
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New channel to reach customers |
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Competitive edge |
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Decrease in customer service cost |
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Reinforces bank’s position as an innovator |
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Banco – MOBILE OPERATOR BENEFITS |
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Growth in network traffic |
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Increase in revenue |
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Efficient method of communication |
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Customer oriented |
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New marketing strategies based on customer database |
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Banco - USER BENEFITS |
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Intuitive user interfaces |
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Instant & up-to-date information |
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No delays |
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Enhanced security |
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No queues |
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