TMOS“text mobile ordering

system” always at hand

Introduction

TMOS has been design with one specific task “to make it easier for customers to place orders or service request by the use of SMS”. There are over 10 million mobiles in use in Cambodia today and it is clear that the majority of banking customers will be connected to one or more mobile. Today's consumer want to be able to transact at their convenience that’s why we always say TMOS is

“always at hand”.

Concept

TMOS has been developed to take advantage of SMS automation. By simple use of a code a customer can send a request to order a service, buy an item or request a call back. TMOS collects specific information for the business about the So if a customer already knows what they want there is no need to queue and wait in line often at their cost. A simple message is sent to the desired number and TMOS responds on behalf of the business. TMOS informs the customer with an automatic receipt to say the transaction is being attended to and informs the business to act on behalf of the customer.

Why Consumers Want TMOS

Mobile Phones are changing the way the modern consumer banks, Today's consumers want:•Quality Service•Transact Anywhere•Convenience to suit them

Basic TMOS operation

• Customer create a new SMS to number 077701110• In the body of the text type the service you require

– LOAN– MORTGAGE– ENQUIRY– Other, etc

(codes are decided by the bank, can be numbers, letters or a combination of both)

• TMOS will receive the code and direct the enquiry to the most appropriate area of the bank.

• The bank will receive the mobile number from the SMS and they can cross reference the Mobile number with any account details.

• From the account details, priority information such as name, language, customer status etc can be pulled before calling customer back.

Working ExampleI need a loan so I go to the bank in my lunch hour

• The bank is too busy and I do not want to wait.• I call the help line but the queue is too long.• I SMS to the right number the code LOAN.• TMOS receives the enquiry and directs the enquiry to the best area

of the bank. • TMOS then sends back a receipt to me and tells me a Loans

Adviser will call me soon.• My mobile number relates to my detail on the bank database.• Before the bank calls back, they know my name, profile details,

preferred language and what my enquiry is about.• The agent calls, confirms my identity and deals with enquiry.

Why Banks Want TMOS

TMOS improves the banks ability to support the customer remotely:-

•Improved Service for Customer•Reduced business operations cost•Profitability•Reporting and Analysis

Improved Service for Customer

•No wait time for customers•Ease of service•Reduced cost for customer•Automated SMS confirmation receipt•Customer transaction history•Prioritize staff based on customer need such as language.

Reduce Business Operation Cost

•Better use of resource•More efficiencies

•Staff•Resource

•Reduce work loads in branches during peak times

Profitability

•Converting more sales•Reduced cost of operation•Efficiency

Reporting and Analysis

•Standard reports •Statistical breakdown analysis•Company specific reports•Improved product offering

THANK YOU