Digital Banking System offered by Altkom belongs to the most modern solutions of that type on the market. Not only does it support the transaction area through Internet and Mobile Banking, but it also contains the most important modules allowing for sale in remote channels, performing dedicated selling actions profiled for a specific banking user and individual management of the Bank Client.
The most important features of the Platform, which make it the most advance product currently available on the market are the following:
Fully responsive internet banking (RWD) and native mobile applications with the same operation and view of system screens in each device.
The platform allows for multi-channel service of the bank client – both remote service via the Internet, telephone and various mobile devices – and via the bank employee: at the office or on site. At the same time, it provides a consistent operating logic of the system and utility layer along with smooth shifts between devices if the client starts an action (e.g. filling a loan application) on one device and needs to finish it on another.
Operation of various client segments within one system, including the occurrence of clients in various contexts (individual client, corporate client and agent).
Within one system, the platform allows to service various client segments, also those present in various contexts of the user, such as individual person (individual client), sole proprietorship (business client) medium or large enterprise / corporation (agent). Contexts can combine – the individual client is by default connected with the business client – or be separated – the individual client is by default connected with the agent of a medium or large enterprise / corporation. Apart from managing contexts and managing improvements, it is possible to create roles for the user (e.g. President/member of the management board / financial executive officer, HR manager / administrative manager, etc.).
Comprehensive support for all interactions of the client with the bank and related processes – operation of transactions, finance management, client service and carrying out marketing and selling activity in remote channels.
In response to the trends in modern digital banking, the platform not only supports transaction and post-sale service, but it also helps cooperative banks acquire new clients, promotion and sale of bank products. The platform allows bank clients to manage their own finances and it advises and recommends optimal solutions.
The system is characterised by a modular structure, which consists of the following:
for registered and unregistered clients along with tools for creation and operation of selling applications and processes
Product market is the Internet service targeted at acquisition of clients through generation of contact forms and submittal of online product applications (including those from target pages and online campaigns).
It includes the following:
for individual clients, small and medium enterprises as well as for corporations and institutions
Internet banking in the RWD version – Responsive Web Design – includes the following:
native applications on Android, iOS and Windows
class CRM application for client service in the office or call center
The module includes:
adapters to Main Banking Systems present in banks, service of credit cards, charging and online payments
The platform is available to banks in to models: on-premise, i.e. purchase of a license and maintenance of the application in the Client’s infrastructure, as well as a solution based on the cloud (the SaaS service). In the latter case, the bank does not suffer the costs of investment in the hardware and software infrastructure: it only has to cover monthly fees for subscription (monthly subscriber) depending on e.g. number of transactions or number of system users. Implemented technical solutions guarantee high availability of the system and its safety, fully meeting the requirements of Financial Authority regulations and EU directives.