iNNOVA

i-Mobile Bank solution expertise provides easily accessible channels for bank customers. With these new channels, customers can perform balance checks, account transactions, payments and other financial services via a mobile device such as a mobile phone or other mobile devices.

i-Mobile Bank is a subscriber-focused system that facilitates the subscriber registration process by means of three simple steps.

Enrollment: Registration starts with i-Mobile Bank enrollment. This is necessary because every subscriber operation is recorded and logged into the mobile banking system database for security reasons. Enrollment can be done through a variety of channels such as a web portal, call center, IVR or bank teller.

Definition: After their initial enrollment, subscribers define their security and quick-access information.
An authorized mobile service number and security PIN are the key elements of i-Mobile Bank subscriber security. The system allows subscriber access only with authorized mobile service numbers and correct security PINs. Subscribers can determine which of their accounts may be used for mobile banking services. Any debit or credit card account can be used for mobile banking services.

An important part of this step is the definition of quick-access codes. By defining quick-access labels and default choices for bank accounts, customers can tailor their mobile banking services according to their individual needs and preferences.

Quick-access codes can also be defined for prepaid and postpaid service numbers. This makes them easier to use because subscribers no longer have to remember their service numbers.

Alerts & Notifications: Subscribers can schedule automatic bill alerts for their utility company services. This alert mechanism reminds subscribers before payment-due dates. They can even pay the bills with just an SMS. 

To ensure customer confidence, all transaction and payment notifications can be sent to any communication address that the subscriber has designated. These addresses can be set and changed whenever the subscriber wants.

 

Bank Benefits
In addition to the expertise and experience of iNNOVA consultants, the comprehensive i-Mobile Bank solution provides a number of key benefits for banks with minimal impact on their existing systems:

 

• High accessibility to banking operations independent of customer location
• Collecting payments earlier than their payment-due date
• Lower costs resulting from the lower risk exposure and operational overhead
• Opportunity to open new channels for providing value-added services
• Greater customer convenience and loyalty; new customer acquisitions
• Advance to a higher level of technology and be one step ahead of competitors
• Architecture that is open to future improvements and additions.

Customer Benefits
For the customer side, the benefits to i-Mobile Bank solution extend beyond speed and simplicity though. The key advantages for the bank customers are:

• Fast and ease of access to banking operations through mobile devices
• Catch bills before due date, payments with automatic alerts and notifications
• Easiness of carrying out money transfer while on-the move
• Increased security through real-time and paperless transactions
• Ability to access to other value added services.

Key Applications

• Account inquiries
• Credit card transaction inquiries & payments
• Intrabank and interbank money transfers
• Bill payments and top-ups
• Investment operations & savings
• Banking services & applications
• Cardless money withdrawals
• Value-added services

Download i-Mobile Bank Leaflet