comtrade’s electronic banking solutions · electronic banking solutions ˜ ˜ ˜ ˜ sms messaging...

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Customer interaction with banks is becoming more and more convenient by fast developing use of branchless banking. Contemporary banking channels enable banks to develop in faster and more efficient way, while at the same time threaten to jeopardize customer relationship. Therefore the next generation of online banking will focus on customer loyalty by offering compelling personal finance management tools and social features. On the basis of more than a decade of experience in the area of electronic banking, Comtrade has developed comprehensive e-banking solutions that follow the highest standards in the area of information security and friendly usage principles, which results in improved customer satisfaction. From Personal to Social What will make the difference between success and failure of banks is their ability to take advantage of the access they have to customer data. They need a solution that will aggregate customer data and analyze it in a way that will help banks understand customers’ financial preferences, habits, and needs. This makes providing relevant offers for each individual customer possible; a bank can gain strong relationships by becoming a proactive player in their customer’s lives, instead of a mere provider of banking functions. CASE STUDY DATA SHEET Comtrade’s Electronic Banking Solutions SMS messaging Information terminal Telephone banking (Call Center) Online banking Mobile banking Banking apps for smartphones and tablets Interactive voice response (IVR) DIGITAL SERVICES

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  • Customer interaction with banks is becoming more and more convenient by fast developing use of branchless banking. Contemporary banking channels enable banks to develop in faster and more efficient way, while at the same time threaten to jeopardize customer relationship. Therefore the next generation of online banking will focus on customer loyalty by offering compelling personal finance management tools and social features. On the basis of more than a decade of experience in the area of electronic banking, Comtrade has developed comprehensive e-banking solutions that follow the highest standards in the area of information security and friendly usage principles, which results in improved customer satisfaction.

    From Personal to Social

    What will make the difference between success and failure of banks is their ability to take advantage of the access they have to customer data. They need a solution that will aggregate customer data and analyze it in a way that will help banks understand customers’ financial preferences, habits, and needs. This makes providing relevant offers for each individual customer possible; a bank can gain strong relationships by becoming a proactive player in their customer’s lives, instead of a mere provider of banking functions.

    CASE STUDYDATA SHEET

    Comtrade’sElectronic Banking Solutions

    SMS messaging � Informationterminal

    Telephone banking(Call Center)

    Online banking

    Mobile banking

    Banking apps for smartphones and tablets

    Interactive voiceresponse (IVR)

    DIGITAL SERVICES

  • Integration of payments and

    transactions with coupon offers

    and spending, collecting loyalty points

    Integration of e-banking solutions with

    social media such as Facebook, Google

    +, etc. by linking account numbers with

    mobile phone numbers and/or social

    media profiles; this

    Enables new, easy ways to make

    money transfers, providing social

    indicators to make customers’ saving

    and spending decisions easier by

    offering an overview of what other

    similar customers are spending their

    money on and which products they

    are using

    Comtrade`s solution architecture is designed to enable functional customization to client specific needs. In this way it is possible to provide each client with a unique e-banking product that represents competitive advantage in the marketplace. It can be implemented in small boutique banks as well as in large institutions with larger number of customers. Adaptation is done gradually and consequently the investment is always aligned with actual needs.

    Comtrade’s BankNote provides all classic banking services, such as: various payment types, currency exchange, e-invoices, deposit and loan applications, personal accounts overview, credit and debit cards overview, open loans and deposits overview, mutual funds (overview, trading), stock options (overview, trading), different orders execution, etc.

    Comtrade provides complete solutions for retail and corporate customers.

    DATA SHEET

    Solution That Grows with the Bank

    Comtrade is focused on integration of banking solutions into customer life, their shopping habits, and living:

    DIGITAL SERVICES

  • Not only does Comtrade solution offer classic banking services to your customers, but also enables personal financial management (PFM) for more personalized and relevant online and mobile experience for every customer:

    Personalized Solution for Personalized Experience

    Comtrade BankNote Application

    Search of closest opened branches and ATMs (GPS) and shows them on a map,

    Using smartphone cameras to scan paper payment orders,

    Push notifications and instant categorization of transactions,

    Targeted advertising of shops with loyalty points based on current location,

    Targeted applications adjusted to specific groups (parents, children, students, retired people, etc.).

    A finance provider by helping you get to know your customer financial needs, making personalized offers and advice easier for you.

    DATA SHEET

    > Automatically categorizes customer transactions and artificial intelligence learns from users categorizations and is consequently improving for all users,

    > Presents the income and spending information visually using various charts and reports,

    > Provides intuitive tools that help customers under stand and effective manage their financial plans and tasks,

    > Provides you summarized information about customer financial situation and goals, and consequently benefits you as a finance provider by helping you get to know your customer financial needs, making personalized offers and advice easier for

    you.

    Comtrade’s BankNote offers your customers all they need for effective financial tasks management in one single, comprehensive, secure, and easy-to-use solution. It’s a great way to engage with your customers and therefore strengthen customer relations.

    Smartphones Opened New Opportunities

    Smart phones with their mobility and various options of usage enable inclusion of appealing new functionalities into e-banking solutions. Comtrade’s Electronic Banking Solution offers some already, namely:

    DIGITAL SERVICES

  • Search of closest opened branches and ATMs (GPS) and shows them on a map,Using smart phone cameras to scan paper payment orders,

    Using smart phone cameras to scan paper payment orders,

    Push notifications and instant categorization of transactions,

    Targeted advertising of shops with loyalty points based on currentlocation,

    Targeted applications adjusted to specific groups (parents, children, students, retired people, etc.).

    A finance provider by helping you get to know your customer financial needs, making personalized offers and advice easier for you.

    1500+Totalemployees

    1000+Software engineers

    900+Loyalcustomers

    10Developmentcampuses

    Strategic30

    partnerships

    03Technology centers

    Creating value through partnershipComtrade is a leading IT organization in South East Europe specializing in the fields of IT solutions, system integration and hardware distribution. With more than 900 satisfied customers and offices across Europe and the USA, Comtrade has become a recognized name on the global stage. Founded in 1990, Comtrade now employs over 1,500 business and IT experts, including 1,000+ software engineers. With a proven track record of delivering IT solutions and services that help reduce business complexities and costs, we are a trusted technology partner to medium and enterprise businesses.

    Comtrade Slovenia: [email protected] Comtrade USA: [email protected]

    Comtrade Ireland: [email protected] Comtrade Austria: [email protected]

    Comtrade Germany: [email protected] Comtrade Serbia: [email protected]

    Comtrade BiH: [email protected]

    www.comtrade.com

    1500+Totalemployees

    1000+Software engineers

    900+Loyalcustomers

    10Developmentcampuses

    Strategic30

    partnerships

    03Technology centers

    Creating value through partnershipComtrade is a leading IT organization in South East Europe specializing in the fields of IT solutions, system integration and hardware distribution. With more than 900 satisfied customers and offices across Europe and the USA, Comtrade has become a recognized name on the global stage. Founded in 1990, Comtrade now employs over 1,500 business and IT experts, including 1,000+ software engineers. With a proven track record of delivering IT solutions and services that help reduce business complexities and costs, we are a trusted technology partner to medium and enterprise businesses.

    Comtrade Slovenia: [email protected] Comtrade USA: [email protected]

    Comtrade Ireland: [email protected] Comtrade Austria: [email protected]

    Comtrade Germany: [email protected] Comtrade Serbia: [email protected]

    Comtrade BiH: [email protected]

    www.comtrade.com

    1500+Totalemployees

    1000+Software engineers

    900+Loyalcustomers

    10Developmentcampuses

    Strategic30

    partnerships

    03Technology centers

    Creating value through partnershipComtrade is a leading IT organization in South East Europe specializing in the fields of IT solutions, system integration and hardware distribution. With more than 900 satisfied customers and offices across Europe and the USA, Comtrade has become a recognized name on the global stage. Founded in 1990, Comtrade now employs over 1,500 business and IT experts, including 1,000+ software engineers. With a proven track record of delivering IT solutions and services that help reduce business complexities and costs, we are a trusted technology partner to medium and enterprise businesses.

    Comtrade Slovenia: [email protected] Comtrade USA: [email protected]

    Comtrade Ireland: [email protected] Comtrade Austria: [email protected]

    Comtrade Germany: [email protected] Comtrade Serbia: [email protected]

    Comtrade BiH: [email protected]

    www.comtrade.com

    1500+Totalemployees

    1000+Software engineers

    900+Loyalcustomers

    10Developmentcampuses

    Strategic30

    partnerships

    03Technology centers

    Creating value through partnershipComtrade is a leading IT organization in South East Europe specializing in the fields of IT solutions, system integration and hardware distribution. With more than 900 satisfied customers and offices across Europe and the USA, Comtrade has become a recognized name on the global stage. Founded in 1990, Comtrade now employs over 1,500 business and IT experts, including 1,000+ software engineers. With a proven track record of delivering IT solutions and services that help reduce business complexities and costs, we are a trusted technology partner to medium and enterprise businesses.

    Comtrade Slovenia: [email protected] Comtrade USA: [email protected]

    Comtrade Ireland: [email protected] Comtrade Austria: [email protected]

    Comtrade Germany: [email protected] Comtrade Serbia: [email protected]

    Comtrade BiH: [email protected]

    www.comtrade.com