Mobile banking
- 1. MOBILE BANKING SOLUTIONS OVERVIEW OF CLICKX MOBILE BANKING APPS Brand new way to bank. Mobile banking is the fastest growing channel in banking history. It is shifting your customers’ behaviour, raising their expectations, and opening up new business opportunities. At CLICKX SOLUTIONS we believe that it is critical for the financial institutions to develop a clear mobile strategy focused on customer needs and business objectives. That is why we evaluate the suitability of any technology based on its conformity with these goals, and propose ‘all-in-one’ mobile banking solutions that have impact on customer loyalty, cost savings, and top line revenue growth. Our mobile banking applications not only will deliver rich customer experience, but also provide unique features in order to enhance customer loyalty, satisfaction, and adoption.
- 2. TECHNOLOGICAL APPROACHES There are a large number of different mobile devices and it is a big challenge for banks to offer mobile banking solution suitable for any type of device. Our solutions leverage three mobile banking access modes – Native Application, Hybrid Application, and Responsive Web Application: Native Application Hybrid Application Responsive Web Application Definition Specific to a given mobile Built using web technolo- Server-side application platform, using the gies (HTML5, CSS, and built using the standard development tools and JavaScript), wrapped web technologies, language that the inside a native container viewable in device respective platform that provides access to browser. Adopted Respon- supports. native platform features sive Web Design (RWD) and leverages the device approach renders optimal browser engine. viewing experience across a wide range of devices (smartphone, tablet, desktop computer). Platforms iOS, Android, Windows Platform-independent Distribution Apple Store, Google Play, Windows Store Accessible through device browser Connectivity Online and offline Mostly online Updates Updated entirely through Partial updates can be Centralized updates, App Stores done without the user seamless to the end-user needing to re-download the app from the store Camera Yes Yes Yes Notifications Yes Yes Yes Geo-location Yes Yes Yes Offline Storage Secure file storage Secure file system, shared Shared SQL SQL WWW.CLICKXSOLUTIONS.NET 2
- 3. MULTIPLE DEVICES & PLATFORMS We are ready for variety of mobile devices, platforms, and access modes. We offer various packages with hundreds of functions for Web, Windows Phone, Apple iOS, or Android devices. We also Provide USSD Applications for low level Operating system phones. Our mobile banking solutions seamlessly integrate with disparate host systems to bring unique cross-channel synergies. WWW.CLICKXSOLUTIONS.NET 3
- 4. FUNCTIONALITY OVERVIEW Our mobile banking solutions offer a wealth of readymade features and interfaces that may serve the needs of small to mid-size banks and financial institutions. Larger financial institutions have the option to innovate on top of our platform without having to resort to the high cost option of a fully custom solution. Additional mobile channel features, financial products and services may be added upon request. ACCOUNT BALANCES & STATEMENTS Our banking solutions will enable you to create a powerful mobile channel! Create accounts through our Mobile, Web and USSD Application interfaces instantly View account statements for a selected period of time Track recently completed and pending transactions, including ATM visits, debit card purchases and direct deposits Look up credit and debit cards transactions Subscribe for notifications about account balance changes WWW.CLICKXSOLUTIONS.NET 4 ACCOUNT CREATION, BALANCES & STATEMENTS
- 5. SAVINGS / INVESTMENTS Use multiple payment channels including MTN Mobile Money, Airtel Money, TIGO Cash, Vodafone Cash, and Cards (VISA, MasterCard etc.) to make deposits into your account. Choose from different types of investment deposit plans (Daily, Weekly, Monthly), domestic payments, cross-border payments Deposits and Payments Prompts Automatic crediting and debiting of accounts based on user specifications Make NFC technology enabled payments (’Tap Payment’) Securely send money using an email address or mobile number Confirm a single payment or a list of them Beneficiaries list management Payment calendars: view upcoming transfers, tax events, subscribe for notifications, add reminders, and etc. WWW.CLICKXSOLUTIONS.NET 5
- 6. CURRENCY EXCHANGE Check bank’s commercial currency exchange rates Currency calculator Access and approve currency exchange transactions BILL PAYMENTS Make electronic bill payments for listed service providers Quickly and easily pay bills by scanning the bill barcode (banking application fills all the necessary payment data) WWW.CLICKXSOLUTIONS.NET 6
- 7. LOCATIONS & CONTACTS Pinpoint search for ATMs and Banking Centres Augmented reality map Geo-location related services Quickly access bank’s pages in social media DEPOSITS & LOANS View details of deposit and loan agreements Check deposit interest rates that bank offers, and calculate selected deposit interest rate and interest amount Check loans and their interest rates offered by banks, calculate loan amount and interest amount Replenish or terminate the selected deposit Create a new deposit agreement Apply for a new loan agreement MESSAGES & ADS Write a new message to bank, or leave feedback Receive messages and notifications from a bank Personalized marketing messages and content Bank news feed ACCESS & SECURITY Login using Username/Password, PIN generator, Mobile ID or other authentication methods Multi-profile access for customers who have personal and corporate accounts WWW.CLICKXSOLUTIONS.NET 7 Sample Bank Sample Location and Address
- 8. ARCHITECTURAL PRINCIPLES Our mobile and web banking applications have a broad range of integration and pre-integration options to reduce the implementation workload on your organization. We always search for the most efficient way to connect mobile and web bank application with core and back-office systems and to ensure that your bank launches mobile banking services with minimal upfront investments. PRIVATE & BUSINESS MANAGER, (SME) CUSTOMER ADMIN 1 Other Clients Tier MOBILE ADMINISTRATION & Presentatio n BANKING MANAGEMENT APPS UI 2 BUSINESS LOGIC LAYER Other Modules Tier CUSTOMERS MODULE ACCOUNTS MODULE TRANSFERS MODULE Application WCF Services WCF Services WCF Services Domain Workflows Domain Workflows Domain Workflows Model Services Model Services Model Services DATA ACCESS LAYER INTEGRATION LAYER Other Components Synchronous Asynchronous Data Replication Integration Integration Components Customers Data Accounts Data Transfers Data Components Components Access Access Access Components Component Components WS Adapter MQ Adapter DB Adapters 3 OPERATIONAL DATA STORE DataTier CORE & BACK-OFFICE SYSTEMS WWW.CLICKXSOLUTIONS.NET 8
- 9. Typically, integration with a bank’s core and back-end systems is accomplished through our advanced web Service Layer built with a high level of technical expertise. Our Web Service layer centralizes the management of banking services delivery channels and provides seamless integration and exposure of back-end banking systems into a flexible IT environment. The latest release of Our Web Service Layer is built with a high level of technical expertise. ABOUT CLICKX SOLUTIONS CO. LTD Clickx Solutions Company Limited is a leading Ghanaian IT company developing complex and innovative solutions for Education, finance, banking and e-businesses, using the most advanced and secure technologies. Contacts: P. O. Box 16637 Accra-North, tel.: +233 244 852 320, [email protected] WWW.CLICKXSOLUTIONS.NET 9