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Banking Industry |
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Driven by consumer trends and the highly competitive dynamics of the banking industry, the banking sector clearly shows the customer shift toward electronic product and service delivery channels.
Not surprising as eBanking, and in particular, internet & mobile banking, lets banks lower their costs while reaping increased market and mind share, regardless of physical and geographical locations. As a result, adoption rates for eBanking are skyrocketing--making an online strategy imperative for any financial institution seeking not merely to survive, but to succeed. |
While eBanking channels are virtually hassle-free for the customer, it poses daunting challenges to the banks - High investment costs to implement own internet & mobile banking:
- Such investments will have an adverse effect on Capital Adequacy Ratio (CAR).
- Existing bank technology infrastructure and resources may be lagging behind.
- Possible lack of experience combined with difficulty to invest will result in longer lead-time to market the service.
From its early inception, Pacomnet is positioned to alleviate those hurdles by establishing a solid, flexible, secured and cost-effective eBanking delivery channels serving banks' customers anytime, anywhere. Our ready solution covers:
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Internet Banking delivery channel for retail and corporate Banking, equipped with MobileID for added layer of security; |
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Mobile Banking delivery channel with four delivery and presentation options: Plain Text SMS, Java over SMS, Java over GPRS/3G, and WAP/Browser-based GPRS/3G; |
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Both delivery channels are complemented with our own eBanking Support System, a web-based application provided for Banks' Customer Support to monitor customers' activities, audit trail, providing help and other support functions |
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