Most Internet banking software solutions are extensions to existing systems, in a way of offering traditional products and services through an additional channel. i-bankeXpress -a system developed from scratch, with the conception of being well integrated with heterogenous banking systems- adds new functionality for the user, diminishing impact costs on altering existing bank systems.
Some examples of additional characteristics that i-bankeXpress include: e-mail and Web-mail integration with bank customer instructions, programming of automatic term-deposit constitution, virtual payments, movements and requests calendar - where the calendar is not merely informative but also a transaction executor. Automatic messages to email, Web-mail and SMS, depending on product related events, for example when the balance of an account is underneath a limit.
i-bankeXpress brings to bank customers new access channels: to surf the Internet bank site through movable devices like cellular phones and handheld. This way it is possible to perform operations that arise at the moment, for example to consult an account balance, to pay a service, to stop a check debit, or to use information that depends on the client location, like searching the address of the nearest branch.
On the other hand, Intranet systems implementation is a process that draws up the trends of the new millenium software development. Web applications technology not only provides the possibility of creating new client services, but also to simplify and improve bank internal operations.
Based on a modular design, the bank decides exactly the functionality that wishes to implement. Following are the applications that compose the product:
i-bankeXpress WebConsumer
The use of Internet technology allows banks to offer a great range of
additional services to its clients, focused not only in traditional products,
but also with the possibility of advising, motivating and investing in new
products through the net. i-bankeXpress WebConsumer covers all retail
banking products a bank can offer through Internet and also integrates within
its functionality a CRM module by which the client can program future
operations, use a caliendar of banking transactions, program iterative events,
receive e-mail reminders, receive customized services, and much more. And along
with CRM provides graphs where the client not only can query different
present and historical state information, but also can make
"what-if" questions. And through integration with the i-bankeXpress
CRM module is possible to incorporate Business Intelligence to study
the client behavior and to offer 1-to-1 services.
i-bankeXpress WebCorporate
i-bankeXpress WebCorporate goes along with the B2B trend by automating the interaction between banks and companies, thus enabling banks to offer these kind of services. i-bankeXpress WebCorporate contains i-bankeXpress WebConsumer functionality but administered with company criteria, like security and audit considerations. It provides a module for the management of suppliers payment administration and companies clients collection via Internet. Additional corporate bank features include product form and instructions management, administration of foreign trade and money exchange operations, graphical visualization of product information and investment analysis on the basis of historical trends.i-bankeXpress Mobile
i-bankeXpress Mobile enables banks and financial companies to offer their clients to manage bank accounts operations and to receive alert messages in their cellular phones through WAP and SMS technology. This way, customers can interact with the bank not depending on their physical location. On the other hand, i-bankeXpress Mobile counts with handheld features: synchronizing these devices through Internet with the bank database, clients can query off-line historical movements and payments.
i-bankeXpress CRM
Internet is a client access channel that cannot be missed to take advantage of. In the particular case of banks and financial companies, possible services through the network are not limited to enable clients to operate traditional products. Integrating CRM with Internet and Business Intelligence it is possible to manage customized client information, along with the analysis of his behavior, finally automating product processing and its supply by Web accesses, e-mail and SMS. For example, if a client invest monthly determined amount, he would have to be offered another product with greater risk. The bank has sufficient information about its clients to know their potential to consume, and must apply that information to its portfolio in a massive way, automating therefore products and services sale.
i-bankeXpress Platform
i-bankeXpress Platform is a software for commercial management in branches. Besides of providing integral client information -not depending on accounts branch- it brings commercial information at the moment of client reception, thus facilitating Cross Selling. The system enables product requests and reports, cross-product database querys along with comparative results and graphical simulation.i-bankeXpress BackOffice
i-bankeXpress BackOffice is a Web application, mounted on the bank branch network, that automates the distribution of operational information from headquarters. This information can be available in both text and graphical formats. It enables, for example, the publication of news, procedures, quotations and rates. It can also publish graphical information like clients signatures and pictures. The system enables design administration, whereas on the other hand manages authorization levels for data entry, including supervision queues and dual control. The system also allows the interaction with core systems, thus being able to publish dynamic information.
The above is an english summary of the spanish version. In order to obtain further information in english, please send an e-mail to info@sofiana.com