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ebankIT© 2014
Mobile banking is a channel for mobile devices which
implements banking transactions for individual and
corporate clients, based on an electronic channel platform. It
presents a secure solution, with transactional components
and content management integration.

Providing new functionalities for users, changing behaviors


and expectations, this solution is available at any time and,
above all, anywhere.

SECURITY MULTICHANNEL INTEGRATION

USABILITY MULTI DEVICES SUPPORT

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OMNICHANNEL INTEGRATION USABILITY PORTAL LOGIC
Transversal omnichannel operations and back office Navigability and usability with dynamics Menus Integrated content and transactions
support
UNIFIED CLIENTS ACCOUNTS AND
DEVICES SUPPORTED SECURITY
TRANSACTIONS
Rendering adaptable to various mobile Client oriented and with great impact in Modular and layered architecture, scalable vertically and
platforms sales horizontally based on secure standards

MIDDLEWARE

Implemented services executed on middleware level

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Nowadays, there is a wide range of applications
corresponding to mobile devices operating systems, mainly
IOS, Android and Windows 8.

As a result, it is necessary to have adaptable standard


solutions to this scenario of diversity in applications.

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 List of products: current accounts, savings accounts,  Credit card cash advance
term deposits, credit cards and loans
 Create term deposits
 Details and history of current accounts, savings
 Redeeming term deposits
accounts, term deposits and credit cards
 Blocking credit and debit cards
 Upcoming payments
 Downloading combined account statements
 Pending transactions on current and credit card
accounts  Managing your household budget thanks to Finance
Manager
 Transferring funds between accounts
 Checking currency exchange rates
 Domestic transfers (including beneficiaries)
 Searching for ATMs and Bank's branches
 Making transfer from a QR code - Scan&Pay
 Push notifications
 Topping-up mobile phones (include predefined
numbers)  Secure messages
 Repaying credit cards

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The Branch Locator is integrated with the maps
application of each technology.

It provides branches’ exact location and guidance to


reach them.

Associated to each Branch, you can consult the


contacts and website, send an email in real time, just
with one click.

IOS MAPS GOOGLE MAPS BING MAPS

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Registration

 Different approaches: activate on Internet Banking, First


Time Challenge (SMS, debit card, Internet Banking
message)

Authentication

 Username and Access Code (internet banking)

 Simplified Login

Authorization

 Multi-factor and adaptable authorization is a secure


process for transactions confirmation (PIN positions,
ID Card).

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Dynamic Menus make the access to functionalities
more user friendly. Also, it eases the possibility to
enable/disable functionalities.
 Products: accounts, savings, loans and credit

 Favorite operations

 Beneficiaries

 Latest transactions

 Messages

 Profile customization

 Campaigns

 Integrated position

 Interactive services

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Help customers to effectively understand their
financial position when logging into mobile
banking, by aggregating accounts and showing a
graphical overview of their total financial position.

More important in many situations is to help


customers to manage their immediate financial
status – their current, credit and savings accounts.

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Manage, consult, make all kind of operations in your
accounts.

Whilst having the access to all your accounts, you


can select the account you want to manage,
consult the details of the account operations,
establish filters to find specific transactions, all
trough your favorite devices.

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24x7 services, at any time and or place, users may
initiate the majority of banking service that can be
executed in real time.
Add, edit, and select beneficiaries
information to use in operations, also
associating them to your phone
contacts.

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You can consult your operations history, use the
filters to find a specific one, make download of
the operation statement and consult all the details.

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View your scheduled events, taking just a few
minutes of your time. You can do it easily, using
only your phone or tablet.

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Manage your credit and debit cards.

Cards management functionality enables


the following operations:

 Check your cards status

 Make cards payments

 Make transactions

 List and filter transactions and view


details

 Get transactions document proof


Not only allows to execute any type of transaction that
normally would be done at the branch, but also brings the
branch to the client. The client has at its disposal the
possibility to directly contact his bank manager, through
the various means of communication: Voice, IM (CHAT) or
via email; therefore, it will enhance the quality of
electronic customer service.
Updated conversion rates.
The complete transactional and operational component is
supported by the documental slope, so the client may
download or send supporting documents of its transactions,
operations or payments.

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4 - Conclusion
3 - Confirmation
2 - Data
Your clients can create term deposits or saving
accounts, without having to go to the branch.
1 - Create

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Transfers and payments trough QR Codes.

It enables through bi-dimensional bar code reading


to add them to the application, and execute the
operation.

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Allows to easily keep up with the family budget. The client is able to know
where and on what money is being spent. This module helps to monitor
and manage expenses, as well as revenues in an easy and effective system
without wasting time.

All accounts can be available in an unique view, with transactions


catalogued automatically and in real time. Using the Finance manager, you
can also create budgets and control where you are overspending.

Functionalities:











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Application to execute account to account transfers, with
just a push of a button.

Resorting to NFC technology, the necessary data to execute a


transfer is exchanged via mobile phone. The user whose mobile
phone is making the transfer receives the beneficiaries’ data
and executes the transfer.

When making a bank transfer, the services used are suitable to


each type of transfer (amongst accounts from the same bank, or
different banks.) These services may be taken directly from the
banks existing APIs.

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Application for payments and invoice management in an
easy and agile way.

It enables through, bi-dimensional bar code reading, which


appear on bills, to add them to the application and
execute the payment. The user does not need to log on to
any bank application, and being able to manage its invoices
in an easy and efficient manner.

The application provides lists with the historic of paid


invoices (with all the invoice data, date of payment, and date
of inclusion in the application), indicating unpaid invoices and
alerting the user about the ones which are close to the
payment deadline.

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Application to charge mobile phone balances.

It enables to charge the users or any other mobile phone in a


swift and easy way, without having to log on to the Banks
mobile banking solution.

To execute these transactions, the application may use existing


bank services available for other platforms.

The user may configure its favorite operations, and select the
desired mobile number and charge it directly from the existing
contact list on their device.

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For transfers and bill payments.

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Application for swift transactions between clients of
the same or different banks in a social network format.

As fast as sending an SMS and as secure


as a bank transaction.

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Term Deposit / Saving Accounts New Payments List Login Page Login
Reinforcement Cancel Home Page HomePage
Redeem QR code: Request My Finance Summary
Savings Accounts List transfer Scheduled Operations
Savings Account details QR code: Scan & Pay Favourite Operation
Balance Checking Accounts/Assets Account List
Utility Payments
Term Deposits details Balance
Upcoming Payments Detail
Transactions
Telecommunications IBAN/SWIFT
debit/Credit Cards Cards List
Taxes Transactions
Detail
Messages Send Transaction Detail
Transactions
Read received Transaction Confirmation
Cancel / Block
Blocked Funds
New Read Sent
Repayment Delete Download bank Statement
Cash Advance SMS Adhere/Subscribe Transfers List scheduled transfers
Card Statement Branches/ATM Branch list Details of scheduled
Foreign Currency Exchange Rates Branch Search transfers
Cheques Requisition Delete Scheduled Transfer
Branch Detail
Add Beneficiary Transfer with Currency
Contacts Bank contact
Delete Beneficiary Conversion
Campaigns Homepage International Transfer
Add Favourite
Remove Favourite Menus My Accounts
Transaction History Consult Operations Same Bank
Operation Document simulators Domestic

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