Our Mobile Banking offer is tailor-made for banks in both developed and emerging markets.

Benefits for end-users

• The bank is on hand 24/7 (round-the-clock alerts, information, transactions, and products)
• Access to banking services wherever and whenever, in a speedy, self-service manner
• Access to an intuitive, easy-to-use and personalized mobile application
• A single application for all financial needs, including banking, payments, money transfers and financial management

Benefits for banks in developed markets

• Become your customers' constant companion, with them 24/7
• Possibility to introduce countless value-added services
• Increase customer loyalty
• Reduce operational costs
• Increase revenues
• Increase brand differentiation

Benefits for banks in emerging markets

• Enjoy the extensive reach of mobile networks and rapid penetration of mobile phone in markets where banking penetration is low
• Deliver banking services at a significantly low cost
• Reach all potential customers, banked and unbanked, across all operators and handsets

 

 

> Download Brochure

The unique Gemalto client-server technology provides a rich environment for deploying secure, flexible and multi-platform Mobile Banking services.

Usability

• Secure mobile banking and value-added services, including:
  • Notifications and alerts
  • Bank transfer
  • Bill payment
  • Cardless ATM withdrawal
  • Financing, loans and credit applications
  • Account and wealth management
  • PIN and card management
  • Contactless payments (Virtual EMV)
   
• Optimized user experience over any mobile platform (iOS, Android, BlackBerry, Symbian, etc.). Coded once on the server, there is no need for porting; these intelligent applications are seamlessly executed on each platform in the best way to suit to the platform
   
• Ability to utilize the secure element beyond contactless transactions to sign remote transactions

Security

• Secure over-the-air personalization
• Strong two-factor authentication
• Device fingerprinting
• Secure coding, channel and data independent protection over financial-grade cryptography and infrastructure
• State-of-the-art security, equivalent to that of ATM and payment networks.
• New services can be implemented almost instantly without application redeployment

Flexibility

• Great opportunity for banks to react to user activity and their ad-hoc needs for services or information, wherever they are and whatever they are doing
• Personalized experience: creation of user profiles, each with specific services, products and user experience suited to the customer segment

Bank-grade security – Gemalto’s Mobile Banking solution eliminates any tradeoff between user experience and security, keeping the customer interaction at its best.

Multi-platform compatibility – a single mobile banking application can be executed on virtually any mobile operating system, giving end-users an optimized user experience, taking on the behavior and usability features native to the smartphone.

Flexibility and easy maintenance – the mobile banking application can be updated frequently and centrally, and then automatically updated to the handset (without user prompt or intervention).
Different applications can be created for different profiles (personal banking, corporate banking, youth banking, etc.) Gemalto’s solution enables banks to launch services over time, extending from Mobile Banking, Mobile Payment, and Mobile NFC for proximity payments to International Mobile Money Transfer. With Gemalto, it is easy to introduce new features and capabilities, while keeping a secure and unified customer experience via the Mobile Wallet and leveraging on the convergence of technology and use cases.

Redeban Multicolor, Colombia

Redeban Multicolor (RBM) is the leading financial network and financial solution integrator in Colombia, as well as a MasterCard and Maestro Principal Member, Processor and Acquirer.
Working with the three largest mobile operators in the country, Redeban Multicolor uses Gemalto technology to combine mobility with best-in-class security, providing mobile banking to 20 million subscribers in Colombia.
First launched as a SIM client, a rich mobile banking application is now being launched by several banks. Banked and unbanked users in Colombia can check their balance and perform bank transfers, top up airtime, make card payments, block stolen or missing cards, and receive mini-statements.
Earlier this year, Davivienda Bank, launched a Mobile Purs e that targets the unbanked population in Colombia. Using Gemalto’s global expertise in both the banking and the wireless sectors, Davivienda Bank can deliver an end-to-end secure environment while keeping a friendly and straight-forward user experience.

More info....

Banamex and Telcel, Mexico

In 2008, Telcel, the largest mobile network operator in Mexico, decided to become an enabler of Mobile Banking in a country of more than 110 million people. Telcel chose to deploy the Gemalto Mobile Banking application in their SIM cards, allowing their entire subscriber base to access associated banks. The solution catered banks with its merits in SIM-based security, (allowing each bank to control its own security domain, like they do in NFC), usability and widespread reach.
Banamex, the first bank to extend Mobile Banking services with Telcel, deployed a wide range of services to help its customers perform daily banking activities like paying bills, making transfers, checking balance, paying credit card bills and many others.
Many other banks followed Banamex and deployed their services within the solution, transforming the way Mexicans can interact with their banks.