The demands of banks' customers in respect of mobile availability and individualisation of financial services are rising steadily. On the other side margins are falling, banks are focussing on different customer segments and launching online services more frequently.
For the purpose of offering services cost-effectively and efficiently, new concepts and methods are required. Thereby, the focus is on the conception and development of secure and cost-efficient multi-channel solutions in order to fulfil the contrary requirements using synergy effects.

Multi-Channel banking

A multi-channel solution to fulfil customers' needs requires approved identification methods, which are tuned to the respective access channel (internet, call center, mobile phone, branch, etc.) and enable the location independent access to the personalised services.

Multi-identification method

The basic model of a multi-identification method consists of the separation between the user identification and the authorisation for the access to the specific business transaction. This model allows the company-wide use of the identification methods (single sign on).

Online payments

Beside the classic online banking and online brokerage services, banks are offering more and more online payments. In addition to account based payments like debit or money transfer, card based payments (credit cards, customer cards) become also more important. The strategic positioning of online payments as well as their technological and organisational embedding into the internal processes represents the significant challenges.

Customer registration

The extended offering of online services increases the demand for the online registration of the customer as well as the enhancement of services for mobile devices.

With the expertise from numerous projects for several banks NOVOSEC offers you an optimal support with regard to the solution of complex issues. We advise you from the consulting in respect of the conception of new services to the implementation and system integration into the respective bank's data center.