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Bank.Companion - Your Mobile Banking Software

ZSL’s Bank.Companion makes online banking a reality - anytime and anywhere, using it’s multi-channel delivery. Bank.Companion combines proactive and personalized services for your customers through dierent channels such as Internet, SMS (Short Messaging Services - Push and Pull), GPRS and PDAs.

Bank.Companion can be used virtually for all your banking needs. Some of the most common services are:

• Utility Bill Payment Service- that allows a customer to pay his her utility bills conveniently over the phone
• Transaction Services - that allow account - to - account transfers, utility payments, etc.
• Request Services - stop payment, statement of account, etc.
• Periodic deposits such as Paychecks
• Pre-set balance limits
• Overdraft usage

Benefits

• 24/7 Mobile Banking
• Speed to Market
• Reduced Call to the call centre
• Reduced Operational Costs
• Enhanced Customer Experience
• Early Fraud Detection

Features

Messaging Features

• Support for Push and Pull SMS
• Multichannel delivery - SMS, SMPP, HTTPS
• Multilingual Messaging (Unicode compliant)
• Send SMS in 1-to-1 or 1-to-many modes
• Send customised messages using replaceable parameters
• Multiple SMS formats: Flash, Blinking, Ring Tones, Logos, Concatenated SMS
• Customisable sender ID branding
• Opt-in/Opt-out facility at customer level
• Account nick name

Support Features

• Integration to payment gateway(s)
• Integration to billing and other back-end systems
• Support integration with enterprise systems
• Online help and user documentation
• Integration services and expertise for turnkey services
• Customised user interfaces

Administration Features

• Distribution List (DL) management
• System administration and user management
• Online message tracking and delivery reports
• Message statistics and presentation-quality reports

Security Overview

Bank.Companion is a secure solution, providing security for both the Customers and Banks, while adding usage exibility.

The Phones are uniquely identied and this will be cross checked with the phone(s) that have been registered against the Customer’s Accounts

• End to End secure communication-RC1 and Triple DES supported
• Approval by Bank
• Activation Key
• Confirmation Key
• Optional MPIN
• Login Credentials are not stored on the mobile device
• User Session Timeouts for increased security
• Multifactor Authentication
• Transaction Level Authentication

Multi Channel Client Delivery System

Bank.Companion uses various delivery channels to provide eective services to both Banks and their Customers. A Bank can choose all channels or the appropriate channel that will provide maximum value to their customer base.

Supported Devices/Channels

Bank.Companion is accessible via:

• SMS Banking - Any mobile phone that supports SMS
• Browser Based - Any PDA that supports a web browser
• Downloadable applications - Any PDA that supports J2ME applications. Popular phones supported by Bank.Companion include Blackberry, Iphone etc.