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M10. Open banking

Group of applications and services enabling banks and fintechs to access customer banking data via APIs within a regulatory framework.

M10_1. E-Banking​

M10_1.1. SMS Mobil (SMS)​

Access to information on the bank accounts (current and savings accounts) of customers affiliated to a bank, by mobile phone and SMS.

  • Main functions
    • View your account balance
    • View the latest account transactions
    • Request a magnetic card and cheque book
    • Obtain currency rates
    • Make an appointment with your adviser

M10_1.2. E-NET (Internet)​

Consultation of bank account information (current and savings accounts) of bank-affiliated customers via the Internet.

  • Main functions
    • View account balance
    • View the latest account transactions
    • Request magnetic card and cheque book
    • Obtain currency rates
    • Make an appointment with your adviser

M10_1.3. E-Transfer (multi-format file transfer)​

Distribution of bank statements in ETBAC3 and AFB120 format by e-mail. The results of this module are used for processing prudential ratios.

  • Main functions
    • Interbank transactions;
    • Underwriting.

M10_1.4. E-Relevé (statement by e-mail)​

Bank customers can obtain account statements in PDF format by e-mail.

  • Main functions
    • On-demand statement generation and e-mail transmission;
    • Grouped generation and transfer by e-mail.

M10_2. Managerial Dashboard​

Consultation of information on the bank's situation in real time by bank officers when they are away from the bank.

  • Main functions
    • Monitoring account positions and sensitive transactions:
      • Cash position,
      • Accounting position,
      • Risk situation,
      • Ratios,
      • The largest movements,
      • Amortizable Loans schedule,
      • Schedule of the largest DATs,
      • Budget;
    • Receipt of all Alerts;
    • Forcing transactions;
    • Consultation of customer status;
    • Consultation of accounts.

M10_3. TelcoBank​

The TELCOBANK Application is a platform for linking all a customer's bank accounts to their mobile number and carrying out various banking operations.

  • Main functions
    • Consumer credit and property loan simulations;
    • Announcements and useful information;
    • Geolocation of the bank's branches, ATMs and POS terminals;
    • Customer registration;
    • User account activation;
    • Choice of questionnaires & user answers;
    • Personal questionnaires & user answers;
    • Customer login;
    • Online account application with automatic creation of a virtual bank account;
    • Validation of online account opening;
    • Request to link an existing account;
    • Validation of existing account link;
    • Access to bank accounts (virtual and real bank accounts and details of a bank account);
    • User profile consultation;
    • Alerts (Configuration & Integration of Push Notifications);
    • Beneficiary management;
    • Account-to-account transfers;
    • Transfers to a third party;
    • Merchant payment with QR Code;
    • Contact your adviser;
    • Useful contacts;
    • Ordering cheque books (Cheque services);
    • Order validation (Cheque services);
    • Currency rates;
    • Customer invoice reference management;
    • Invoice supplier management;
    • Bill payments (water, electricity, telephone, canal).

M10_4. eWallet​

M10_5. WhatApp Banking​

M10_6. Rurale Banking​

A mobile ATM offering unlimited mobility for managing basic banking transactions from Android smartphones or tablets.

  • Main functions
    • Open a customer account with signatures (fingerprints) and photo;
    • Modification of account details;
    • Cash deposit;
    • Cash withdrawal;
    • Search by fingerprint;
    • Apply for credit;
    • Money transfer (Western Union, MoneyGram, Ria, etc.).