Mobile Financial Services Solutions

With Clickatell, banks have the ability to create powerful, tailored mobile offerings.

Clickatell offers secure, robust and flexible mobile financial solutions consisting of its secure messaging platform with reliable real-time message delivery and multiple mobile financial services applications. Clickatell partners with best of breed mobile financial services application providers allowing any financial institution to easily implement a single, secure, messaging strategy, enabling them to reach their customers anywhere, anytime and with any message. Banks and payment institutions can choose award winning applications from Clickatell’s partner ecosystem and can utilize multiple strategies from simple SMS text banking to complex Java (J2ME) applications.

Clickatell has chosen a small number of technology partners for their proven, user friendly mobile applications. Based on the detailed requirements of the financial services institution Clickatell will consult on the optimal partner application and provide a fully integrated and managed text banking solution that offers you choice, control, security and 24/7 support. The flexible, robust and secure messaging solution uses multiple API's and SDKs to integrate with multiple banking systems and process millions of messaging transactions through multiple SMS Gateways per month.

Clickatell provides a comprehensive set of innovative and proven banking applications offering your customers the choice and freedom to bank anywhere, anytime. This range of applications and products includes:

Clickatell QuickLaunch: Clickatell can have your financial institution mobile within weeks using our standardized award winning API suite.
2-wayText Banking: Allows banking customers to request information about their accounts including bank balances and transaction information. Customers can also transfer funds and make mobile payments. All 2-way SMS solutions allow implementation of SSM language translation methodologies into your solution.
Account Notifications: Allows you to send SMS notifications to customers including fraud alerts, notifications re deposits or alerts when account limits have been reached. Communication with customers includes text messages, email or picture message options.
Interactive Alerts: SMS based transaction alerts that require immediate acknowledgement or action by the users. Typically used for fraud alerts or transaction notifications.
Over the Air password (OTP): Offered two-factor authentication products are fully FFIEC compliant. OTP products are more cost-effective to distribute and support than traditional token generators and more convenient to use.
Multiple Modalities: Support of multiple modalities: SMS, and optional Mobile Web (WAP) and downloadable banking applications (J2ME) for further service expansion
Banking Integration: Seamless integration with core banking or Online banking systems through reliable and secure APIs and SDKs

You can immediately start sending SMS messages to your financial customers:

Notification alerts re account transactions.
Fraud alerts that will be escalated from device to device until the user has acknowledged receipt.
Transmitting PIN codes for online banking.
Respond to requests for balance queries.
Send reminders about payments due, balance updates and mini-statements.

- You can immediately offer banking customers the option to:

Make ‘mobile to mobile’ payments and transfers.
Buy products and services through a mobile phone.
Request account balances and mini-statements.

Advantages of Clickatell’s solution. Contact us today for more information on Clickatell’ solutions.

Clickatell works with best of breed application partners and will help you select the optimal partner and mobile application for your service needs
With Clickatell you have secure message delivery options and we process millions of messages every month.
You have the option of deploying on-site or launching an ASP solution to avoid straining existing infrastructure.
The account management package allows user control over network channels and connectivity options. Tracking systems are in place and text message delivery status can be ascertained at any time. Clickatell allows for auditing, analyzing and reporting with billing and customer segmentation options.
The solution supports all mobile platforms and allows for future innovations as new mobile platforms (e.g. downloadable applications) can be added on as they become available.
All applications support two-way text messaging with a push and pull alerts model.
Applications are easy to use – both for your company and your customers and offer banks the opportunity to immediately reduce costs.
Clickatell’s solutions maximise existing investment in infrastructure such as Internet and telephone banking.

There are additional features available that financial services can choose to use for extra security in their mobile banking applications.

2-factor authentication security feature where a secondary code or unique pin number is dispatched to a customer via SMS. This enables strong authentication and is a convenient and cost-effective security measure. FFIEC compliant.
Mobile authentication that promotes secure channel switching from SMS to voice or audio entry of verification PIN codes. This eliminates concerns around PIN codes being stored on the device or in the SMS outboxes.
Card not present options. Following online transactions, the user is sent an additional authentication token via SMS and needs to enter it online to complete the transaction.

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