Rapid technological changes in the telecommunications space have greatly impacted the financial services sector. Originally, IVR technology led to the introduction of telephone banking, after which secure Internet technology gave birth to on-line banking. However, most recently, cellular technology has made its mark in the form of mobile banking.
ATS-Africa has an array of complementary applications for on-line banking, thereby enabling extended mobile communications with clients. ATS-Africa's mobile banking suite constitutes a revolution in customer service relations and communications technology between financial institutions and their clients.
Technological advances in communications have made a tremendous impact on banking and finance service channels over the last decade. Originally, banking communications was conducted solely through bank branches. In the 1990s, banks began to offer limited informational and operational services via the telephone based on IVR. By 2000, the Internet enabled online banking, allowing clients to perform Web-based transactions in real time.
Recently, financial institutions have introduced a new service technology, mobile banking. Similar to online banking, mobile banking leads to enhanced convenience and empowerment for customers, as well as greater productivity and efficiency for financial institutions. Unlike previous services, mobile banking is a mass-market tool characterized by personalized real-time or on-demand messaging. By leveraging the high penetration rate of the mobile phone and increased popularity and security of Short Message Service (SMS), mobile banking enables financial institutions to cost effectively reach their entire customer base. As a result, financial institutions have discovered new opportunities to drive innovative personalized services, attract high-end clients, and market to their customer base – leading to lower costs, higher revenues and greater profits.
Recognizing the value cellular messaging delivers to the financial services sector, ATS-Africa, a leading provider of mobile messaging solutions, has developed a comprehensive offering enabling organizations to make the most of society’s mobile evolution. ATS-Africa’s full-scale solution synthesizes business vision with mobile technology developments and unique financial service expertise.
Comprehensive Cellular Messaging Service Solution for Financial Service Providers
ATS-Africa’s end-to-end offering provides banks, credit-card companies, and insurance firms all that they need to maximize the power of financially-oriented mobile messaging. ATS-Africa’s vast mobile messaging experience and profound understanding of the financial services sector have led to the development of a three-layered modular offering. The offering includes a robust middleware platform that serves as a gateway for managing mobile messaging for operational customer care and marketing needs.
Three-Layered Architecture
ATS-Africa's mobile banking suite is built with unique architecture that enables modular and flexible deployment of off-the-shelf products based on the specific needs of financial institutions. The three-layered architecture is comprised of a secured connectivity layer, management platform, and financial service applications.
Secured Connectivity Layer creates a secure IT, two-way messaging channel between a financial institution and its customers via cellular operators. More information...
Large Account Application Gateway is a robust middleware platform that serves as a gateway for the central management of organizational messaging generated by applications, branches and business units at a financial institution. More information...
Application Suite includes an array of mobile banking applications such as balance notifications, automated account alerts, fraud alert, and mobile marketing. More information....
