Company » References » Bank

Available Solutions for banks:

• On-line banking
• Financial explorer: interactive consultancy for financial services
• Sales and information kiosks
• Debit and credit card self-service kiosks
• Customer loyalty applications
• EC-, money- and credit card kiosks
• Interactive information and entertainment on TFT or plasma screens and kiosks
• Real estate offers
• Financing offers
• Live video conference to financial specialists
• Infotainment on plasma screens and kiosks
• Mortgage rate calculator
• Software and solutions for electronic advertisement displays
• Software and solutions for digital advertisement
• Information kiosks with bank note acceptance and bank note disposal, coin acceptance and coin disposal, administration of bank cards for complex applications
• Information kiosks with account statement printer

Traditionally in the banking and financial services sector self-service systems are being used considerably. Using kiosks that offer modern hardware and software, novel services can be implemented.

With the help of kiosks on-line banking services can be comfortably integrated. Customers can conduct familiar transactions (account management, bank transfers, credit requests) or they can request information and take it with them immediately, either by printing or downloading on a PDA respectively.

With the help of kiosks complex financing proposals can be communicated comfortably and transparent, in order to win new clients.

In a simple way simulations can be conducted and forms filled out. By using smartcard authentication, transactions can be conducted legally safe.

By using separate displays (TFT and plasma), which are being controlled by the kiosks, context dependent videos can be shown to create a broad experience.

By using the kiosk potential clients can directly communicate with the bank in order to ask questions, send suggestions or take part in surveys.

Customers who are interested in stocks, can access stock exchange information in real-time and manage their portfolio. They can generate analyses of stocks directly at the kiosk (with the help of analysing tools), buy funds or shares and access up-to-date background information.

If reasonable, monetary oriented applications can be combined with other services, for example the clearing of water, electricity, gas or telephone bills. Of interest is the possibility to buy tickets for shows or sport events directly at the kiosk. At the kiosk the place can be self-chosen, payment with cash or credit card or EC card is possible and the customer can receive a printed receipt or a voucher.

These novel virtual agencies can even be placed outside of bank buildings, for example in shopping malls or universities, in order to be accessed around the clock.

              
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Advantages:

• Reduction of transactional costs, by shifting the standard customer activities to kioks
• Increase of business volume with higher customer loyalty
• Increase of efficiency in the consulting of customers, because of the reduction of routine activities and the focusing of the customer consultants on a perfect consultancy
• A new utilization of the investment in the on-line banking infrastructure by using new sales channels
• Increase of profit by displaying all available products and giving the customer the opportunity to choose information on the product he desires
• Enabling of a direct communication channel between the bank and the customer
• Reduction of printing costs by displaying information on demand at the kiosk
• Improvement of the corporate image compared to the competition