comtrade’s electronic banking solutions · electronic banking solutions ˜ ˜ ˜ ˜ sms messaging...

Customer interaction with banks is becoming more and more convenient by fast developing use of branchless banking. Contemporary banking channels enable banks to develop in faster and more efficient way, while at the same time threaten to jeopardize customer relationship. Therefore the next generation of online banking will focus on customer loyalty by offering compelling personal finance management tools and social features. On the basis of more than a decade of experience in the area of electronic banking, Comtrade has developed comprehensive e-banking solutions that follow the highest standards in the area of information security and friendly usage principles, which results in improved customer satisfaction.

From Personal to Social

What will make the difference between success and failure of banks is their ability to take advantage of the access they have to customer data. They need a solution that will aggregate customer data and analyze it in a way that will help banks understand customers’ financial preferences, habits, and needs. This makes providing relevant offers for each individual customer possible; a bank can gain strong relationships by becoming a proactive player in their customer’s lives, instead of a mere provider of banking functions.

CASE STUDYDATA SHEET

Comtrade’sElectronic Banking Solutions

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SMS messaging � Informationterminal

Telephone banking(Call Center)

Online banking

Mobile banking

Banking apps for smartphones and tablets

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Interactive voiceresponse (IVR)

DIGITAL SERVICES

Integration of payments and

transactions with coupon offers

and spending, collecting loyalty points

Integration of e-banking solutions with

social media such as Facebook, Google

+, etc. by linking account numbers with

mobile phone numbers and/or social

media profiles; this

Enables new, easy ways to make

money transfers, providing social

indicators to make customers’ saving

and spending decisions easier by

offering an overview of what other

similar customers are spending their

money on and which products they

are using

Comtrade`s solution architecture is designed to enable functional customization to client specific needs. In this way it is possible to provide each client with a unique e-banking product that represents competitive advantage in the marketplace. It can be implemented in small boutique banks as well as in large institutions with larger number of customers. Adaptation is done gradually and consequently the investment is always aligned with actual needs.

Comtrade’s BankNote provides all classic banking services, such as: various payment types, currency exchange, e-invoices, deposit and loan applications, personal accounts overview, credit and debit cards overview, open loans and deposits overview, mutual funds (overview, trading), stock options (overview, trading), different orders execution, etc.

Comtrade provides complete solutions for retail and corporate customers.

DATA SHEET

Solution That Grows with the Bank

Comtrade is focused on integration of banking solutions into customer life, their shopping habits, and living:

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DIGITAL SERVICES

Not only does Comtrade solution offer classic banking services to your customers, but also enables personal financial management (PFM) for more personalized and relevant online and mobile experience for every customer:

Personalized Solution for Personalized Experience

Comtrade BankNote Application

Search of closest opened branches and ATMs (GPS) and shows them on a map,

Using smartphone cameras to scan paper payment orders,

Push notifications and instant categorization of transactions,

Targeted advertising of shops with loyalty points based on current location,

Targeted applications adjusted to specific groups (parents, children, students, retired people, etc.).

A finance provider by helping you get to know your customer financial needs, making personalized offers and advice easier for you.

DATA SHEET

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> Automatically categorizes customer transactions and artificial intelligence learns from users categorizations and is consequently improving for all users,

> Presents the income and spending information visually using various charts and reports,

> Provides intuitive tools that help customers under stand and effective manage their financial plans and tasks,

> Provides you summarized information about customer financial situation and goals, and consequently benefits you as a finance provider by helping you get to know your customer financial needs, making personalized offers and advice easier for

you.

Comtrade’s BankNote offers your customers all they need for effective financial tasks management in one single, comprehensive, secure, and easy-to-use solution. It’s a great way to engage with your customers and therefore strengthen customer relations.

Smartphones Opened New Opportunities

Smart phones with their mobility and various options of usage enable inclusion of appealing new functionalities into e-banking solutions. Comtrade’s Electronic Banking Solution offers some already, namely:

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DIGITAL SERVICES

Search of closest opened branches and ATMs (GPS) and shows them on a map,Using smart phone cameras to scan paper payment orders,

Using smart phone cameras to scan paper payment orders,

Push notifications and instant categorization of transactions,

Targeted advertising of shops with loyalty points based on currentlocation,

Targeted applications adjusted to specific groups (parents, children, students, retired people, etc.).

A finance provider by helping you get to know your customer financial needs, making personalized offers and advice easier for you.

1500+Totalemployees

1000+Software engineers

900+Loyalcustomers

10Developmentcampuses

Strategic30

partnerships

03Technology centers

Creating value through partnershipComtrade is a leading IT organization in South East Europe specializing in the fields of IT solutions, system integration and hardware distribution. With more than 900 satisfied customers and offices across Europe and the USA, Comtrade has become a recognized name on the global stage. Founded in 1990, Comtrade now employs over 1,500 business and IT experts, including 1,000+ software engineers. With a proven track record of delivering IT solutions and services that help reduce business complexities and costs, we are a trusted technology partner to medium and enterprise businesses.

Comtrade Slovenia: [email protected] Comtrade USA: [email protected]

Comtrade Ireland: [email protected] Comtrade Austria: [email protected]

Comtrade Germany: [email protected] Comtrade Serbia: [email protected]

Comtrade BiH: [email protected]

www.comtrade.com

1500+Totalemployees


900+Loyalcustomers


Strategic30

partnerships







www.comtrade.com

1500+Totalemployees


900+Loyalcustomers


Strategic30

partnerships







www.comtrade.com

1500+Totalemployees


900+Loyalcustomers


Strategic30

partnerships







www.comtrade.com

comtrade’s electronic banking solutions · electronic banking solutions ˜ ˜ ˜ ˜ sms messaging...

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