BANKTRON® Mobile Banking

Our mobile banking applications not only deliver rich customer experiences, but also provide unique features in order to enhance customer loyalty, satisfaction, and adoption.

Technological Approaches

There is a large number of different mobile devices and it is a big challenge for banks to offer mobile banking solution suitable for any type of device. Our solutions leverage three mobile banking access modes – Native Application, Hybrid Application, and Responsive Web Application:

	Native Application	Hybrid Application	Responsive Web Application
Definition	Specific to a given mobile platform, using the development tools and language that the respective platform supports.	Built using web technologies (HTML5, CSS, and JavaScript), wrapped inside a native container that provides access to native platform features and leverages the device browser engine.	Server-side application built using the standard web technologies, viewable in device browser. Adopted Responsive Web Design (RWD) approach renders optimal viewing experience across a wide range of devices (smartphone, tablet, desktop computer).
Platforms	iOS, Android, Windows		Platform-independent
Distribution	Apple Store, Google Play, Windows Store		Accessible through device browser
Connectivity	Online and offline		Mostly online
Updates	Updated entirely through App Stores	Partial updates can be done without the user needing to re-download the app from the store	Centralized updates, seamless to the end-user
Camera	Yes	Yes	No
Notifications	Yes	Yes	No
Geo-location	Yes	Yes	Yes
Offline Storage	Secure file storage	Secure file system, shared SQL	Shared SQL

Multiple Devices & Platforms

BANKTRON® Mobile Banking Solutions give you the freedom to choose the right approach for your customers' needs. We offer various packages with hundreds of functions for Windows Phone, Apple iOS, or Android devices.

Functionality Overview

Our mobile banking solutions offer a wealth of readymade features and interfaces that may serve the needs of small to mid-size banks and financial institutions. Larger financial institutions have the option to innovate on top of our platform without having to resort to the high cost option of a fully custom solution. Additional mobile channel features, financial products and services may be added upon request.

Account Balances & Statements

• Check balances for checking, savings, debit and credit cards, personal and mortgage loans and their installment schedules
• View account statements for a selected period of time
• Track recently completed and pending transactions, including ATM visits, debit card purchases and direct deposits
• Look up credit and debit cards transactions
• Subscribe for notifications about account balance changes

 

Transfers

• Transfers come with security and liability protection
• Make different types of transfers: between accounts, domestic payments, cross-border payments
• Schedule transfers to be made later
• Review or cancel scheduled transfers
• Create payments using payment templates
• Make NCF technology enabled payments (’Tap Payment’)
• Securely send money using email address or mobile number
• Confirm a single payment or a list of them
• Authorize multi-row payments (for corporate customers)
• Beneficiaries list management
• Payment calendars: view upcoming transfers, tax events, subscribe for notifications, add reminders, and etc.

 

Currency Exchange

• Check bank’s commercial currency exchange rates
• Currency calculator
• Access and approve currency exchange transactions

 

Bill Payments

• Make electronic bill payments for listed service providers
• Quickly and easily pay bills by scanning the bill barcode (banking application fills all the necessary payment data)

 

Locations & Contacts

• Pinpoint search for ATMs and Banking Centers
• Augmented reality map
• Geo-location related services
• Quickly access bank’s pages in social media

 

Deposits & Loans

• View details of deposit and loan agreements
• Check deposit interest rates, that bank offers, and calculate selected deposit interest rate and interest amount
• Check loans and their interest rates offered by banks, calculate loan amount and interest amount
• Replenish or terminate the selected deposit
• Create a new deposit agreement
• Apply for a new loan agreement

Messages & Ads

• Write a new message to bank, or leave a feedback
• Receive messages and notifications from a bank
• Personalized marketing messages and content
• Bank news feed

Access & Security

• Login using Username/Password, PIN generator, Mobile ID or other authentication methods
• Multi-profile access for customers who have personal and corporate accounts