BankWorld POS. Today s solution for tomorrow s self-service bank. Your challenges have a BankWorld solution

Transcription

1 Today s soltion for tomorrow s self-service bank The adoption rate of POS terminals worldwide is on the rise as card payments gain favor over cash transactions. As the POS channel becomes more poplar, banks mst ensre that they have the right soltion to deliver the advanced technology that their cstomers demand. BankWorld POS platform provides yor bank with a merchant and teller soltion that is flly EMV and triple DES compliant. With BankWorld yor bank can acqire transactions from merchant POS terminals and rote these transactions to the appropriate card network. Read more... Yor challenges have a BankWorld soltion

2 As the poplarity of noncash transactions contines to grow arond the world, banks mst ensre that they have a powerfl, fnctionally-rich POS channel that will enable them to increase revene growth, redce operational costs and improve cstomer satisfaction, whilst also achieving compliance with the high secrity reqirements of the payments indstry. Ease of Use and Fast Processing BankWorld is a convenient, easy-to-se POS soltion for merchants, tellers and cardholders. BankWorld POS speeds p processing time by giving merchants and tellers more freedom to move arond the shop or branch with the terminal allowing them to increase their prodctivity when serving cstomers. Cstomers today appreciate convenience and are relctant to spend time waiting in long qees. By empowering a teller to go to the cstomer, line abandonment and the reslting loss of sales can be greatly redced. Advanced Fnctionalities Cstomers expectations of their bank are higher today than ever before; they demand high-level fnctionality on every selfservice channel. BankWorld POS will enable yor bank to increase cstomer retention while at the same time acqiring new cstomers throgh a wide range of innovative and vale-adding fnctionalities. Some of these advanced fnctionalities inclde cash and cheqe deposit on the POS terminal by inserting the card into the chip reader and pre-athorisation, completions and cancellations. A cstomer can also deposit cash withot the reqirement of their card being present throgh accont nmber entry and verification of the beneficiary. Secrity/EMV and 3DES compliance BankWorld POS incldes comprehensive secrity tools which provide yor bank with end-to-end frad protection and redces the exposre to risk BankWorld POS transaction process for yo and yor cstomers. BankWorld is flly EMV compliant, giving yor bank yor bank the peace of mind that the liability in transaction disptes shifts to the non- EMV compliant, and triple DES compliant meaning that yor bank complies with the indstry wide mandate and ths avoids penalties. Increased profit throgh mlti-crrency acqiring One of the many vale-adding featres of BankWorld is the ability for cstomers to carry ot card transactions in the crrency that they are most comfortable with. The ability to pay in their own crrency provides yor cstomers with a convenient service that is tailored to their needs and increases cstomer satisfaction levels for yor bank as cstomers appreciate receiving a personalised experience. Benefits to the Bank Increased profit: fees, mlti-crrency acqiring, volme, etc. Optimm secrity: EMV, 3DES Rapid time-to-market Ease of se Monitoring and detailed reporting Broad terminal choice Integrated to BankWorld mltichannel platform Merchant Benefits Increased revene Increased cstomer satisfaction Redced cash management costs Instant access to accont information Card Holder Benefits Convenience of paying by card Ability to pay in local crrency when abroad Increased secrity: EMV, 3DES Vale-added fnctionalities Redced costs by paying in local crrency

3 Fnctionalities Transaction switching to the appropriate card network: Visa, MasterCard, UPI EMV and magnetic stripe acqiring Card not present transactions Sale Cash withdrawal Refnd Void Balance enqiry Deposit Adjstment Reversal Key exchange Partial card/cash sale Payment to a third party PIN change Tips/gratity Mlti-crrency transactions Srcharging Fnd settlement Reconciliation Transfer between own accont Mobile top-p Pre-athorisations Management & reporting tools Batch ploads Beneficiary payments Chargebacks and re-presentments Cheqe cashing Mobile Top-Up Money Vocher Services Registration Services (accont to mobile) Pre-athorisations, completions Teller soltion BankWorld POS provides a teller soltion in response to an increasing demand for teller type transactions carried ot on the POS. POS terminals can be located in branches or post offices to offer banking services in regions where proper banking infrastrctre is lacking. This opens a new channel for nbanked or nder-banked cstomers to manage their finances. Cards can be instantly issed over the conter where the cstomers will be able to assign their own PIN on the POS terminal withot the need to send a PIN by mail. Frthermore, in contries vlnerable to power otages BankWorld allows yor bank to contine to provide banking services on the batterypowered GPRS POS terminal. This means that branches remain open even dring power cts, ensring maximm service availability for yor cstomers. Monitoring and detailed reporting BankWorld has extensive reporting tools for closer monitoring and control. With the BankWorld soltion yor bank staff can remotely monitor POS devices that are distribted in different geographical regions inclding remotely taking a POS device offline and ptting it back online from a centralised location. BankWorld s POS platform can generate reports detailing transaction vales, volmes and failed transactions. BankWorld gives yor bank a greater level of control over their POS network, regardless of where the terminals are located. Broad terminal choice BankWorld is a mlti-vendor soltion that can integrate with any POS terminal manfactrer inclding portable POS devices. CR2 has certified nmeros POS terminal vendors in its long-standing experience inclding Hypercom, VeriFone and Ingenico. Yor bank can rest assred that BankWorld can be integrated easily with yor existing technology infrastrctre. Integrated to BankWorld mltichannel platform BankWorld POS is a point of sale acqiring and payment system driving a complete site of electronic channels simply waiting to be trned on when yo need them. BankWorld POS is a component of BankWorld Channel Manager, CR2 s integrated platform which provides banks with flexible, secre and responsive channels inclding ATM, Internet, Mobile, Kiosk and POS. It helps banks visalise their cstomer s activity across all channels from a single point ths offering them ltimate flexibility to respond to cstomers behaviors across all channels, qickly and efficiently.

4 CR2 s BankWorld A Personalised Self-Service Experience BankWorld Prodct Site incldes: BankWorld Channel Manager: an integrated self-service platform driving a complete site of electronic channels BankWorld on ATM: a powerfl site of soltions inclding an ATM switch, ATM management, screen design, monitoring and spport tools BankWorld on Internet: best of breed internet banking soltion for retail and corporate clients BankWorld on Mobile: mobile banking platform compatible with all technologies: SMS, GPRS, Web and smartphone applications for ios and Android BankWorld on POS: a point of sale acqiring and payment system CardWorld: a complete end-to-end card payment, management and processing service Why Choose BankWorld? BankWorld is the world s only integrated self-service platform that enables yo to drive all channels regardless of yor existing IT system: With BankWorld, yo can: Service yor cstomers anytime, anywhere, while at the same time redcing the cost to serve Offer personalised services to yor cstomers Tailor prodct offerings across all or selected channels Speed p prodct s time to lanch Cross-sell to yor existing cstomers Convert leads into immediate sales Avail of greater opportnity to generate new fee income Yor challenges have a BankWorld soltion

5 CR2 is the market leader in innovative self-service banking soltions inclding ATM, Internet and Mobile CR2 is the leading global provider of innovative self-service banking soltions providing banking instittions worldwide with robst and flexible ATM, Internet, Mobile and POS channels. CR2 helps retail banks solve their complex bsiness challenges by redcing operational costs, generating new revene at the self-service channels and improving cstomer satisfaction throgh bestin-class technology and services. CR2 s BankWorld is the only integrated self-service platform available that lets banks actively manage all electronic channels inclding ATM, Internet, Mobile, POS and Kiosks from a single platform. BankWorld enables banks to design new prodcts, services and screens, provide a personalised offering to cstomers, cross-sell and psell prodcts to the right cstomer at the right time and right channel. Over 100 banks in 60 contries have adopted CR2 s soltions, driving thosands of ATMs and servicing millions of internet and mobile banking sers globally. Headqartered in Dblin, Ireland, CR2 has a network of well-established offices strategically located in 6 contries (Ireland, Astralia, Soth Africa, India, Rssia and in the Middle East) and regional representatives to better service or clients in those regions (Erope, CIS & Baltic, Middle East & Africa, Asia & Pacific). More information on CR2 is available on CR2 has offices in: Dblin Dbai Bangalore Perth Amman Johannesbrg [email protected] BankWorld ATM V1.12