Mobile Banking refers to enabling of Digital banking and Financial services with the help of mobile telecommunication devices. We have helped few of our customers to develop and implement solutions to conduct bank and stock market transactions, to administer accounts and to access custom information.
Basically, the end customers or any agents, merchants can access the information using mobile devices, where these services will be provided by our customer and our team helps in enhancing the business features for the following solutions:
Mobile financial information services like location, check request etc.
Card control and monitor
Interfaces with utility payments
Our team has expertise in writing the services to provide or enable the existing services through mobile for end customers, merchants, agents or the subscriber banks.
The solutions can be implemented using the mobile devices or tablets and our team brings the proposition to our customer in consultancy, architecture, designing, developing, testing, integrating, build and deployment of the services through secure protocols, supporting different devices, multiplatform, SDK.
Apart from these services our team has built interfaces with back end systems and 3rd party systems like payment acquirers, issuers, processors and switch. Our team is working with our customers on doing non-transactional functionalities that are being implementing in the cloud environment.
Few features that are implemented by our team for financial institutions with respect to prepaid and banking industries are as follows:
ATM / Debit Card Request & PIN
Block Card, Release Card, Internet Banking PIN
Open Bank & loan Account, Fixed & Recurring Deposit
Term Deposit, Credit Card, Locate ATM, Branch
Mini & account Statement
Transactions, Book Request, Check Status, Stop Cheque
View Statements & unbilled transactions
Make Payment for Credit Card Dues
Credit Card Merchant Transactions
Payment History, Reward & redemption Points
Holding Enquiry, Transaction Status, Bill & Scrip Enquiry
Balance Details, Loan Payment History
Loan Statement / Certificate Requests
Pay through PayPal, VISA, MC and AMEX, Foreign Exchange
eTop-Up (Mobile Airtime Top-Up), Bill / Utilities covers the view and pay
Railway, AIR, Bus, Movie
Fund Transfer b/w Own Accounts
Fund Transfer from Own Account to Other’s Account
Savings Account, current, credit card, Loan
PIN Authentication (on-line), Application Lock
Session End (Timely Exist from Application), Encryption & Decryption (3DES, AES, RSA 128 bit)
SSL, Two-Factor Authentication, Administrative Options (Access Restrictions, etc.)
Incoming Call during Transaction Processing
Low Battery, GPRS Connection, Back-end Host System
Automatic Application Upgrade
Multi-Currency, Multi-Language, OTA Service Delivery
Significant Balance Change Alert
PIN change alerts, Bill Arrival & payment Alerts
Bill Payment Due Alerts (if Payment is not made), Credit / Debit Alerts
Payment Clearance Alerts, Batch Alerts (periodic Alerts sent to Customers)
Share / Equity / Portfolio Alert
Configuring Nick Names for Savings Account Number, Current Account
Number, Loan Number, Alerts Setting & reports
Help in certify with banks, Mobile devices
OTA and processors, Visa, MC
SMS banking services are operated using both push and pull messages and notifications. Push messages are those that the bank chooses to send out to a customer's mobile phone, tablets, without the customer initiating a request for the information. Typically push messages could be either Mobile marketing messages or messages alerting an event which happens in the customer's bank account, such as a large withdrawal of funds from the ATM or a large payment using the customer's credit card, or one-time password (OTP). Our team has implemented these in cloud environment as well and interfaced with Google, iPhone cloud environments.
We also have relevant experience to help our customers and partners to have the Mobile Banking Solutions certified by Card Payment Schemes/PNOs, processors with respect to their business segments. Our Team helps and works closely with our customers to understand the existing scope, current business scenarios, flows of the existing systems, to provide the consulting solutions to Build, Architect, Enhance Features, Design, Develop, Test, Automate, Deploy, UAT.
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For more information please contact us at firstname.lastname@example.org