Creating unique customer experiences

(1)

Creating unique

customer experiences

(2)

#1

NETinfo is a company specializing in the development and supply of e‑Banking and Mobile Financial Services (MFS) Solutions to the Banking and Finance Industry.

Our global footprint scopes over 18 countries Worldwide and include implementations in Europe, America, Asia and Africa.

With our worldwide references and a leading edge in e‑ Banking and MFS technologies, NETinfo can guarantee the most innovative e‑Banking product on the market today, making us the banks number one choice.

N

Company

Introduction

CREATING

UNIQUE

CUSTOMER

EXPERIENCES

(3)

#2

NETinfo’s ﬂagship product NETteller is an intelligent multichannel e‑Banking Solution that has been designed to adapt to any Banking and Financial Institution worldwide.

Banks today are dealing with a ‘new age’ customer looking for control, convenience and personalization. The customers expect their banks to adapt to their needs and preferences, providing banking services that can be utilised in real time and through any channel of choice.

NETteller is a comprehensive e‑Banking and m‑Banking solution that can accommodate the banked and unbanked consumer, providing real‑time banking services and financial transactions through any channel of communication. This unified system allows the banks to meet their customer’s current and future needs by offering a ‘one stop’ solution that delivers a highly personalized, secure and seamless user experience.

NETteller

e‑Banking

Multi‑Channel

Solution

N

NETteller consists of various key modules that make up the foundation of the solution, and supports the integration and management of every channel of communication to be run centrally.

NETteller e‑Banking Platform Core Module: A powerful platform, capable of administering and managing all customer channels centrally.

NETteller Security Module: A strong and reliable security feature which manages the security for the bank and the customers. This includes the management of User names & Passwords, Client validation & User Credentials, Transaction logging and User Behaviour, Encryption of data and Audit Trail

Functionality.

NETteller Administration Module: A Unique management tool which allows the bank and the user to customize the setup of NETteller to meet with their speciﬁc rules, regulations, segmentation, features and services.

NETteller Authentication Suite is an advanced two‑factor authentication module which can drastically reduce the incidence of online identity theft, phishing expeditions and other online fraud through SMS TAN, Hardware tokens and Mobile application tokens.

NETteller

Module

(4)

NETteller e‑Banking is an intelligent multi‑channel system that can support any channel of communication used today as well as future channels that may be introduced.

NETteller WEB Channel: A Web based application that delivers comprehensive online banking features and real‑time banking and payment services to its users.

NETteller Mobile Banking: A complete e‑Banking experience from the use of your mobile phone. • Browser based Mobile Banking and Payments

• Client based Mobile Banking Applications designed for Smart phones including iPhone, Android and Windows

NETteller Alerts and Notifications: A solution which transmits messages in real time either through SMS, WEB or Email of bank’s subscribers and notifies them on their banking activities and other notifications like news updates.

NETteller SMS Banking: Is a service that accommodates real time banking transactions through the Mobile Phone.

NETteller MFS: A Mobile Financial Services solution that oﬀers mobile payments or mobile wallet services to the banked and unbanked consumer through any mobile phone device.

NETteller Agent Banking: A third party agent acting as a representative on behalf of the bank or ﬁnancial Institution to the banked and unbanked consumer. This service can also apply for branchless regions.

NETteller Social Media: A unique Social Media solution that supports discussion forums, surveys and polls, review, ratings and likes, marketing activities, promotion and campaigns and monetary transactions.

NETteller PC Banking: A PC based application which delivers asynchronous payment services to the banking customers.

NETteller Kiosk Banking: An application which provides a complete visual of the banks e‑Banking website and presented on a public self‑service terminal

Channel

Management

#3

N

CREATING

UNIQUE

CUSTOMER

EXPERIENCES

(5)

(6)

The NETteller architecture is empowered with EJB3 technologies making it a scalable and portable business system. NETteller e‑Banking is a J2EE application, based on open standard architecture and is not linked to a particular environment or software/ hardware vendor.

The complete system is built on a multi‑tier distributed computing

environment allowing the conﬁguration for Load Balancing, Clustering/Session Replication for performance and scalability.

NETteller is based on SOA technology enabling the integration and

orchestration of application components and services. Packaged as a modular distribution, the NETteller Platform integrates multiple components, including messaging, service orchestration & workﬂow, and policy & governance, along with SOA design, development and management. The solution is independent of any core platform, making it fully adaptable to banks existing platforms as well as future platforms which may be implemented.

NETteller gives the ﬂexibility for vertical, horizontal and diagonal expansion, without the need of costly hardware equipment.

NETteller

Architecture

#5

T

CREATING

UNIQUE

CUSTOMER

EXPERIENCES

(7)

MULTI‑CHANNEL

NETteller supports the management of services and functionality across multiple channels of communication allowing the bank to oﬀer a seamless and personalized banking experience.

As a pioneer for advanced Intelligent Multi‑channel, Multi‑currency, Multi‑languages, Multi‑segmentation, Multi‑limits, Multi‑bank support and 24x7 real time processing. Our solution supports continuous

productivity and adherence to new banking trends, marking NETteller as a next generation solution for the modern bank.

Channel Management

NETteller manages all communication channels centrally through one uniﬁed platform. This allows the bank to deploy their channel oﬀerings, manage channel rules and business processes as well as launch new products and services across all or selected channels gaining an important time to market advantage.

Customer experience

NETteller can enhance the customers banking experience by oﬀering real time continuity of services, allowing the customer to navigate from one channel to another without losing their location or transaction content. This provides a seamless and uniﬁed experience from any chosen channel allowing the customer to begin a process from one channel and complete from another channel if necessary.

PERSONALIZATION

In today’s society, the customer looks for a broader variety of functionalities as well as more autonomy in their banking activities. NETteller oﬀers the banking customer the freedom to personalize their banking experience both visually and functionally. This service enables the user to create his own customized experience and allows them to conﬁgure their preferred services and visual preferences.

This service adds value to both the user and the bank, as it creates a personalized environment away from the bank’s branch, strengthening the banks image, customer loyalty and retention.

n

Personalized Dashboards allow the customer to deﬁne their banking experience by pre selecting their preferred accounts and services for instant viewing and fast action.

n

Conﬁgurable widgets allows the banking customer to select widgets for display, as well as rearrange widgets according to preference.

n

Customized Look and Feel options allow the users to define their own visual experience and personalize the user’s categories to create a different Look, Feel, Themes and different Functionality. This can be defined by a selection of Colour schemes, Fonts, Language choice, Currency choice, Alias names, Quick menus and Advanced or Simple view.

n

The customer can also have its own look and feel and themes based on customer segmentation.

n

Personalized Marketing allows the bank or Financial Institution to target marketing material based on customer segmentation or user type.

Key

Features

M

#6

‘Know your customer’

‘Manage channels centrally’

(8)

#7

Personal

Finance

Management

and Business

Finance

Management

Personal Finance (PFM) and Business Finance Management (BFM) allows the banks customers complete autonomy in the organization of their Personal and Business Finances. NETteller PFM/BFM provides various tools to help banking customers understand and manage their ﬁnances.

n

A 360o_{breakdown of the customer’s ﬁnancial status can be provided allowing the customer to}

keep their ﬁnances in order by forecasting income and controlling expenses.

n

Comprehensive analytical reports can provide the customer with a breakdown of their net worth, assets, liabilities, expenditures and spending patterns.

n

Graphical image (GUI) based tools allow the customer to gain a visual ﬁnancial understanding of accounts, purchases and expenditures through graphs and charts.

n

User Limits can be applied for speciﬁc payments or transactions.

n

Alerts, notifications and updates can be applied for budgeting, spend tracking, limit notifications, transfer confirmation and balance notifications.

n

Transaction Categorization provides a better understanding of account activities, income and expenditures by categorizing and graphing them into assigned categories and sub categories (e.g. mortgage, car).

n

Financial Calculators allows the customer to calculate financial goals and manage approximation for the finalization of recurring payments within specific timelines.

P

CREATING

UNIQUE

CUSTOMER

EXPERIENCES

(9)

NETteller is a powerful administration module that supports channel and customer management. This tool allows the bank to setup Groups, Menus, functions, Access Levels, Segmentation, Channel Management, Administration management and authorisation workﬂows allowing their customers to manage their own company portal through its corporate administration module.

NETteller

Administration

N

Customer Corporate

Self Administration

With the varied job demands, responsibilities and chain of command within the corporate world today, banks are aware that their customers need to have the ability to manage their own administrative tasks by way of recognising signatories for hierarchy, workﬂows, limits and payments.

This system allows the bank to configure certain administrative tasks that are made available to their corporate users who can then manage their business and workflows accordingly. These administrative options can include; multi signatory features, user access and authorization definition, mass payment and salary control and any type of limits.

W

(10)

The banks recognise the enormous potential in addressing the unbanked consumer in branchless and rural districts.

NETteller oﬀers an array of services and channel management features which support the bank objective to reach mass population, including the unbanked

consumer. NETteller utilises social media, Mobile wallets and Agent Networks to create a complete solution that can now oﬀer ﬁnancial services to the unbanked consumer, regardless of whether they have a bank account.

Banking services in an

underbanked community

T

‘One Installation, Many Banks’ can serve numerous banks through one central

Installation, irrespective of its location or region. This can be from the same banking group, the same group umbrella or diﬀerent bank groups.

NETteller

ASP Model

O

#9

CREATING

UNIQUE

CUSTOMER

EXPERIENCES

(11)

Single Sign On feature

for multiple Banks

Present a consolidated customer picture for all accounts within the same banking group.

NETteller supports the access of information on all accounts within the same group regardless of banks jurisdiction.

#10

(12)

E‑mail:

[email protected]

URL:

www.netinfo.eu

www.netteller.eu

UK: Dept 400, 61 Praed Str. London W2 1NS Tel: +44 203 397 8440 Fax: +44 203 397 8533 Costa Rica:

100 Sur, 300 este de la Cosecha Carmiol, Casa 233, Sabanilla Montes de Oca. San Jose Tel: +506 2234 1981 +506 2281 2672

Cyprus:

23 Aglantzia Ave, 2108 Nicosia P.O. Box 22658, 1523 Nicosia, Cyprus Tel.: +357 22 753636