eChannels

iBanking developed with the way people use the internet and Mobile technology in mind

Overview

Our iBanking Enterprise Solution offers personal, business, and enterprise features to your customers and Small to Medium Enterprises (SME) with the same look and feel whether it is Mobile Banking, Internet Banking, Business or Enterprise. iBanking from MoadBus offers the convenience of 24/7 access to account information from any browser capable computer, tablet or mobile device. You can pay bills, transfer funds within the bank, initiate transfers outside the bank. You can provide your customers the ability to process Peer-to-Peer transactions, withdraw money at ATMs, and make internet purchases with our onetime card or card-not-present feature. MoadBus provides FFIEC compliance via secure tokens, multifactor authentication, and SSL encryption.
iBanking includes full integration with your core processor and bill payment provider. As well as live telephone support seven days a week 24 hours a day. Further, MoadBus can provide you with customized development, deployment and maintenance of iBanking.

Products

SME’s will be able to:

• Manage their cash effectively with our user-friendly reporting tools
• Transfer funds both internally and externally
• Perform and authorize wire transfers in the office or remotely
• Pay bills, make ACH payments, and perform stop payments
• Automate check deposits remotely

The bank will be able to:

• Drive cross sales and generate revenue
• Stream videos and RSS feed for targeted advertising and promotions
• Join with your SME’s and retailers to create innovative offerings
• Fee for transactions at your discretion

Your customers will be able to:

• Open new accounts i.e., savings, checking, CD’s, both debit and credit cards and apply for loans
• Manage their existing personal and business accounts with secure 24/7 access
• Perform wire transfers, pay bills, make ACH payments, transfer, and stop payment
• Activate alerts to monitor account activity and prevent fraud
• Create their own Dashboards and use our embedded Wizards
• Perform Peer-to-Peer payments
• Interact with Social Media
• Accumulate and redeem rewards points
• Perform Remote Deposit Capture
• View and request eStatements
• Keep track of currency rates

Overview

MoadBus Corporate Cash Management is a one stop shop for all business online banking needs. It gives businesses the power to execute critical banking transactions instantly from their office locations or on the go with no time lags and hence is an indispensable tool in today’s 24 x 7 high-speed business world. Your corporate clients can dramatically cut paperwork and enjoy the triple benefits of ‘efficiency, ease of use and economy’. MoadBus Corporate Cash Management allows small to medium enterprise accounts to manage their business liquidity effectively and efficiently. Our solutions will help them streamline their processes, optimize their funds and automate everyday tasks, resulting in cost-effective management of their cash.

Products

Features include:

The solution also includes:

• End to End Security
• Complete privacy of data
• Dual Level Authentication with separate login and transaction passwords.
• Audit Trails -You can track all logins and transactions by date/user id to monitor any misuse of access

Your customers will be able to:

• Add new corporate users with different levels of security access
• Setup limits for transactions
• Manage their people with secure 24/7 access
• Perform wire transfers, pay bills, make ACH payments, transfer, and stop payment
• Activate alerts to monitor account activity and prevent fraud
• Create their own Dashboards and use our embedded Wizards
• Perform Peer-to-Peer payments
• Interact with Social Media
• Accumulate and redeem rewards points
• Perform Remote Deposit Capture
• View and request eStatements
• Keep track of currency rates

Overview

MoadBus MBanking is a full function mobile banking application that enables financial institutions to rapidly deploy and launch a function rich mobile banking channel. Our MBanking product has been built from the ground up as a single solution and takes navigation and usability to the next level. With our preferences feature, your customers will be able to determine which accounts and transactions are most frequently accessed, determine their presentation order and even customize the background color of the online screens to coordinate with their phone.

MBanking from MoadBus offers fully secure communications and is FFIEC compliant with multi-factor authentication (MFA). User ID and PIN validation along with 4 random challenge questions comes standard with the product. MoadBus has partnered with leading security solution providers to offer additional levels of authentication.

Products

• Real time account access
• Branch and ATM locator services
• Detailed and summary view of account activity
• Comprehensive payments functionality with seamless interfaces to third party payment gateways and switches
• Support for corporate banking functionality covering trade finance, wire transfers and settlement management
• Integrated bill payment functionality
• Remote deposit capture
• Highly configurable alerts and notifications module, in-app or via SMS
• Deliver special offers and alerts based on location, with augmented reality layers

All MBanking functionality is provided under the envelope of very high mobile security with multi-factor authentication

Security

Mobile security is a cornerstone of the MoadBus MBanking solution. With the usage of the mobile channel for performing financial transactions increasing exponentially, securing the mobile channel is an imperative for financial institutions. Criminal targeting of the mobile channel is a given as volumes increase. Hence institutions need a water-tight security ecosystem with a variety of configurable security mechanisms to ensure the highest level of mobile access security. MoadBus MBanking interfaces seamlessly to leading security applications from Vasco and Gemalto, both highly regarded for their industry leadership in the mobile security domain.

Overview

Our Mobile Workforce Solution provides the ability to perform the following functions:

• Customer Acquisition
• Tellering
• Customer & Account Servicing
• Loan Origination
• Loan Servicing
• Micro Finance
• Campaign Management

MoadBus Mobile Workforce Solutions eliminates time-intensive, inexact processes and replaces them improving business interactions by empowering staff and personalizing the end-user experience. Our Mobile Workforce Solution provides a uniform open platform to mobilize and enable your workforce to interact with and extend your customer base with applications such as:

• Leverage and apply business rules consistently across your entire organization
• Interactive touch screen
• Ability to store and forward transactions
• Communicate more effectively with mobile agents & employees-track their activity
• Increase the productivity of your mobile workforce
• Make better decisions with real-time visibility across every part of your organization
• Enforce regulatory compliance
• Provide immediate turnaround on documents and services
• Forms preparation, tracking and transactions
• Ability to capture details i.e. signatures, ID’s, biometrics, etc.
• Print receipts, forms, etc.
• Ensure accurate & required data is collected with online validation
• Speedy deployment – configurable product, not a generic toolkit.

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Features and Ease of Use

• Flexible and standard adapters for interfacing to back end systems
• Provide newly acquired customers with immediate access to their accounts via:
  •       Their mobile devices
  •       Instant issue debit cards
• Add modules / functionality via one Enterprise Management Console
• Designed to minimize training
• Designed as a revenue generating channel
• Look and feel totally customizable to support the bank’s brand
• Graphs, Streaming Videos, and RSS Feeds
• Ability to leverage existing systems to provide real-time information
• Our flexible adapters allow the business to use any tablet, iPad, etc. as the front end to any of your Enterprise systems for forms preparation / tracking and transactions

Security

• Interface to token providers – Automatic
• Additional pop-up Salted token for high dollar – Manual

Operating Systems

• Android Tablet, BlackBerrys, iPhones, and iPads

Additional Configurable Devices
Printers
Card readers
Scanners
Pin interface
Merchant terminal

Unique Advantages

• First of its kind technology available today
• Ability to walk the queue
• No need for cabling
• Ability to customize receipts
• Ensure the integrity of data collected
• Low cost merchant terminal to smart phone

Integrating remote/mobile services from MoadBus within your workforce management system gives you the ability to significantly expand the level of data you can track with a minimal amount of effort and expense. Most importantly, it gives you the ability to offer services that collect data, provide Bluetooth printing capabilities, biometric capture and document preparation. Our Mobile Workforce Solution provides the perfect balance between technology and business innovation. Regardless of the size of the organization our Mobile Workforce Solution will allow you to go to market faster with any new mobile technology due to the ease of creation and distribution of new apps and technology.

Overview

MoadBus Mobile Branch Banking is an innovative customer contact and CRM application. MoadBus mobile branch banking can work in conjunction with the calendaring functionality within MoadBus MBanking to enable the banks customer service representatives to manage appointment schedules and to retrieve relevant customer information on the fly in a highly secure manner. This is restricted to the confines of specific branch locations. The provision of superior customer service can be a major differentiator when compared to a faceless remote channel and MoadBus mobile branch banking provides the necessary tools to branch staff, empowering them to deliver superior customer service. Geo-location awareness capabilities can optionally alert branch staff to the presence of high priority banking

Acquire New Customers

• Streamlined process to acquire new customers remotely by enrolling via iPad, iPhone, BlackBerry and Android
• Improves speed, efficiency and customer experience
• Can be used anywhere, Branches, Kiosks, Corporate Customer Offices, or a van acting as a mobile branch
• Improved efficient Capture of Customer and Product Details
• Capture Picture ID, Signature
• Capture Biometrics (Fingerprint)
• All KYC norms fulfilled
• Immediate confirmation that all data is complete and accurate

Products

• Reduce costs by adding to your customer base remotely via hand held devices
• From mobile devices, enroll customers and capture: Customer details , Picture ID and Biometrics (fingerprint)
• Fulfill KYC norms and provide regulators with required information
• Ensure accurate data is collected with online validation
• Limit cash in / cash out to manage risk

All MBanking functionality is provided under the envelope of very high mobile security with multi-factor authentication

Security

Mobile security is a cornerstone of the MoadBus MBanking solution. With the usage of the mobile channel for performing financial transactions increasing exponentially, securing the mobile channel is an imperative for financial institutions. Criminal targeting of the mobile channel is a given as volumes increase. Hence institutions need a water-tight security ecosystem with a variety of configurable security mechanisms to ensure the highest level of mobile access security. MoadBus MBanking interfaces seamlessly to leading security applications from Vasco and Gemalto, both highly regarded for their industry leadership in the mobile security domain.

Overview

Products

• Take traditional banking out of the branch
• Increase your customer size by meeting them where they are
• Use wireless printers and tablets to meet the customers demands and increase customer service
• The opportunity for everyone to have a bank, without ever having to travel

Overview

Overview

Let MoadBus Show You How Our Social Banking Can Grow Your Account Base Exponentially! Our Solution helps you grow and generate revenue in ways that traditional banking cannot. If you offer our Social Banking Accounts one existing customer brings you any number of potential customers here’s how; your customer sets up a Social Account for a family or group activity or event (i.e. vacation, medical expenses, lotto and sports pools, charitable event, etc.) they invite others to join and send money (group funding). Once the friends and family join in you have access to direct market and cross sell, push new services based on content driven information derived from our internal analytics. Behavioral patterns are analyzed and reported to provide market content that is truly relevant. All this through MoadBus’ secure Social Banking Solution.
All of this with upmost transparency while meeting every regulatory requirement. MoadBus Social Banking provides you with insight into new innovative product ideas driven by your customer. Why allow companies like Square and Paypal into your business your customers want you to provide these services. They feel more secure when the financial institution offers these services.

Products

Financial institutions are losing millions in revenue opportunity

APPLICATION FEATURES

• One app for all your banking needs MWallet, Mobile Retailing, MBanking
• Social Accounts (friends & family) with a lead account and sub accounts
• Crowd funding (vacation, medical expenses, investments, charitable accounts, lotto pools etc.)

All the standard features of personal banking are available based on user profile:

• Check your account balance and perform transactions
• Get details on credit card charges, balance and limit
• View and download credit card e-statements
• Stay updated with the value of your portfolio
• Instantly pay your bills
• Transfer money to your own accounts
• Transfer money to your friend’s accounts
• Apply for new accounts
• Submit a stop- check request
• Enquire about the status of a particular check
• Apply for e-statements
• Request for an upgraded debit card
• And much much more…..

Overview

MoadBus is taking communication to the next level. With the Mobile Alert Engine you will have a direct link to communicating with your customers. These communications can be delivered immediately to mobile devices, online banking sessions, etc… Weather you want to communicate promotions and events, notify your customer of important information regarding there accounts to even alerting them for detection and prevention of fraud. Mobile Alert Engine can do it all. Depending on the Banks specific needs, various account and alert types can be set up.

• Send alerts, push promotions, and notifications to your customers
• Delivered immediately to mobile devices, online banking session, etc.
• Use alerts for detection and prevention of fraud

Alert Levels:

• Bank Level
• Customer Level
• Account Level

Alert Types:

• Informational
• Actionable
• Conversational

Products

Alerts

Customer alerting was structured in a manner so as to enhance the delivery of the service and the user experience. An SMS, an email, a message at an internet banking page, or a small bubble will display at the client’s mobile device or computer. Being a non-intrusive interaction, users can continue with their activity without attending to the Alert or may simply use the menus or keys to display it.

PUSH Promotions

The system supports the promotion and delivery of barcodes and eCoupons for merchants. Push-based promotions can be sent when using MBanking or via SMS, email, ATM, telephone banking, or online banking session, etc. The push-based promotions may be both bank related services (new product launch, new campaign announcement, deposit mobilization, etc.) or third party retailer based promotions that are pushed out to the devices of the customers.

Notifications

Notifications consist of messages like service delivery outages, new branch or ATM locations, or any other message that the bank may want to convey to the customer base or staff. Notifications can sent when using MBanking or via SMS, email, ATM, telephone banking, or online banking session, etc.

Overview

Products

• Potential for SIM based to Simple SMS / USSD, Encrypted SMS, Mobile Web and Downloadable app modes
• Carrier agnostic
• Generate SMS Money Transactions that will enable the user to withdraw funds from ATM’s
• Peer to peer payments support
• Generate Visa / Master virtual cards for CNP transactions as time bound, single use or as gift cards
• Potential interface to other payments infrastructure providers such as PayPal
• Easy enrollment mechanism
• Flexible top up methods

Overview

For forward looking financial institutions; those who scan the horizon and seek out the opportunity to contribute in the construction of a financially healthy society. The exponential explosion of SmartPhones to the consumer market has opened up several new and exciting pathways to increase customer interaction. The MoadBus Retail application significantly enhances these interactions by providing customers with personalized retail promotions and offers based on the individual customers needs and interest with an optional hook into in-house loyalty and reward programmers. The application can deliver context sensitive mobile coupons and barcodes, substantially reducing the time it takes to market for launching new promotions.

Products

An Ecosystem where the solution interacts with the merchant

• Manage and deliver coupons based on location Barcode scanning support
• Augmented reality layer for enhanced ease of use and determination of outlet location
• Detailed analytics, customer profiling and reporting
• In-app third party application integration
• Location and augmented reality based solution deployed by Credit Card Issuers / Banks
• Provide users with retail locations and coupons that offer discounts
• Comparison shop using pictures or barcodes
• Integrated payment options for virtual Visa / MasterCard or PayPal transactions

Overview

The MCash solution from MoadBus delivers a virtual “mobile wallet” for consumers allowing them the flexibility of using their mobile phone for card payments at the Point-of-Sale(POS) .No longer is it necessary to carry around a bulky wallet or purse with multiple payment cards from Visa, MasterCard, American Express or others. MCash uses a technology known as “Near Field Communications,” or NFC, to accomplish the task of transmitting cardholder data from a phone to an “NFC-capable” card acceptance payment device. Instead, of personal information being stored on the phone itself, its stored rather on a server which can be accessed via a chip or sticker which is stored in or on the mobile phone – a device which most consumers carry anyway – and the mobile phone itself becomes the payment device at the Point-of-Sale (POS). Near Field Communications payment mechanisms require a critical mass of proximity enabled POS devices, feature rich NFC enabled phones and user friendly applications.

The user simply selects the payment card he or she wishes to pay with from a menu on the mobile phone. The user then passes the phone over the POS payment device in close proximity and the card payment information is transferred from the mobile phone to the POS payment device.

Skimming is one of the fastest growing forms of credit card fraud today. MoadBus’ use of the NFC technology has eliminated the possible threat of Skimming.

Products

• Innovative contactless payment solution using Near Field Communication
• Caters for multiple card types
• Exploits NFC chip built into the newest phones supporting contactless payments
• Seamless interface with other MoadBus mobile products

Security

Security is ensured in the event of the user losing the phone because accessing the application requires entering a User ID and password. The over the air communications are secured via SSL. Security is further assured because the card information is stored on a “smart chip” embedded in the mobile phone. Unlike information stored on the magnetic strip of a payment card, which can be “skimmed” through a variety of fraud techniques, the chip itself – which stores the card information – cannot be comp