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Financial Institutions
Valista’s payments and merchandizing solutions enables enterprises
to create new relationships with customers by facilitating a wider choice of purchase and payment options.
Financial institutions have a strong opportunity to leverage their expertise
and industry positions to provide solutions for top-up and cash replacement
mBanking
Valista’s Mobile Delivery Platform (MDP) enables banks to extend online
banking beyond the customer's desktop and into the palm of their hand.
Using Valista's secure SMS Banking solution, consumers can access their bank accounts anywhere, anytime.
They can transfer funds between accounts, make payments to third parties, request check books and check status
information. In addition they can get daily account notifications, balances, mini-statements and recent transactions.
The service makes banking more accessible, easy and efficient while ensuring customer privacy.
All confidential information is stored on secure servers and no identifiable personal data is transmitted via SMS.
Customers authenticate themselves with a Personal Identification Number (PIN) and messages can only be returned to
the customer's registered, personal handset .
Customers enjoy being able to do their banking whenever and wherever they want. They also save money by replacing
long telephone calls or Internet connections with quick and inexpensive SMS messages. Banks can use the Valista
Service Delivery Platform to expand the reach of their low cost, automated online customer services. SMS
Banking exploits the explosive penetration of mobile phones, promoting customer loyalty and attracting customers
from competing banks.
Mobile Top-up
Valista’s Multi-channel Top-up solution enables financial institutions to provide their customer the ability to
top-up their mobile prepaid accounts using multiple channels: web, ATM, stored value, monthly bill, SMS etc..
Financial institutions are in a natural position to enable their banking customers to top up their prepaid phones
or those of their dependents. They can take a primary role in which they host the solution and connect to various
Telco operator backend systems, or they can take a secondary role in which they work with mobile operators as a
source account for replenishment.
Cash replacement
Financial institutions are in a strong position to be providers of stored value accounts that can be used for
online or offline low value purchases. The customer can pay for services using a mobile handset over any
channel e.g. SMS, MMS, WAP, Web, IVR, etc. This is a valuable service for family dependents or unbanked customers
and Valista’s payments solution supports multiple payment options including stored value.
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