omnichannel banking

solutions

Omnichannel banking software with your customers’ unicity in mind covering ATM, internet banking, mobile banking, app, POS, switch and card.

AT CR2, WE CREATE

CR2 was born when internet connectivity started becoming embedded into each and every aspect of our lives. We began our journey focusing on internet and mobile banking with the objective to enable banks to interact with clients on an individual level and provide unique tailored products and services on their self-service channels.

Naturally, we soon realised that in order to service our customers exceptionally, we had to be truly omnichannel. As such, we acquired Interlink, a provider of ATM solutions which had over 15 years’ experience servicing leading banks across the globe. With ATM now added to our product mix, all channels ATM-Internet-Mobile were linked together cohesively. For us, the challenge was to empower the self-service channels in recognising not only a card or a password, but a unique person with unique requirements. Constantly driven to create a unified self-service platform, CR2 became a pioneer in providing this to retail banks. Even today, CR2 is one of the very few providers in the market offering a modern truly omnichannel approach.

A BRIEF HISTORY OF THE FUTURE

CR2 software is specifically designed for fast growing banks with a vision. Banks with a vision to reach out to their customers through the self-service channels, a vision to empower their network with advanced products and services, a vision to let customers simply bank their way.

Today, CR2 continues to heavily invest in research and development. We are proud to have been the first to launch many new ways of banking such as P2P mobile payment, card deactivation from a mobile phone, personalisation at every touch point and a domestic remittance system using the entire self-service network. We believe in the value of delivering cutting-edge services to our clients to constantly keep you ahead of the competition.

From our origins to today, none of this would have been possible without the support of our founders, investors, partners, developers and our entire passionate and talented team. We are obsessed with how technology provides convenience to our clients, and their clients, while still maintaining the personal touch.

DESIGNED FOR FAST GROWING BANKS WITH A VISION

In today’s modern cash driven markets with their diverse customers and competitive marketplaces, we empower you to truly make your digital channels profitable, servicing your customers in a way which is cost effective and efficient. We have developed our self-service banking software, BankWorld, specifically with banks in fast growing markets in mind, covering all customer segments from the underbanked to premium users.

With market conditions in global banking markets ever changing, the importance of dealing with rapid growth in a new customer base, efficiently expanding networks, and dealing with disruption from fintech companies has never been more important. But just how to deal with these issues is not always as clear. We work alongside your bank to meet these challenges head on, offering the agility, consistency, security and stability to manage your entire self-service channel network from a single point. Our omnichannel integrated platform, manages and personalises all self-service channels: ATM, Kiosk, Internet Banking, Mobile Banking, POS, and Cards. With BankWorld, you can manage, transact, design, personalise, sell and even measure your activities all from our unique platform.

Optimal channel usage

Facing today’s challenges of optimising the use of all banking channels is something we can help you with. We have created a powerful omnichannel solution to manage the complexity of multiple channels and to ensure your bank has the power to enhance customer satisfaction, improve retention and importantly, enable expansion and growth. Our goal is to help your bank in tying together the physical and digital channels, creating a consistent user experience and delivering the right product, to the right customer, at the right place in a cost effective way. BankWorld omnichannel solution will not only give your bank cross-channel consistency, but will also give you the agility to rapidly deploy products, services and branding across all channels simply.

We believe in creating results together. By focusing on bringing together your banks physical and digital self-service banking channels, we help you to achieve your business objectives and stay relevant to your customers regardless of how they choose to bank.

WHAT WE CAN DO FOR YOU

The power of data

We give your bank the power to truly harness the power of data by allowing you to verify and monitor customer preferences as well as usage and behaviour across your entire self-service network. By bringing the information from all channels together to one single point, your bank can analyse this information and action it quickly and effectively. This is precisely where our omnichannel approach will give you the edge when compared to banks that are using siloed solutions which must gather information from channels which operate separately.

Take control of your channels

Above all, we create the possibility for your bank to work independently and in-house to change the look, feel and offerings which are presented across your entire self-service network. We provide you with a framework with pre-defined software and the tools to design your self-service network to suit your needs and the needs of your customers. We give you the option to purchase BankWorld fully developed, or to customise the solution. This gives you free reign to take complete ownership and control of your self-service network, all while working within the safety of our secure, compliant framework. At CR2, we work to empower you to revolutionise self-service banking.

OUR MISSIONWe understand that banking software is essential to your bank in order to stay relevant and grow your business. As such, our mission is to work alongside banks like yours in fast growing markets where we can make a significant contribution in achieving this. We are dedicated to creating results together with your bank by making you the central figure in everything we do. By working closely together and sharing experiences and knowledge, our vision is to have you, our customer, directly involved in the future of our products and creating a thriving and rewarding omnichannel strategy together.

HOW CAN WE MAKE YOUR BANK UNIQUE?We are dedicated to working with you to give your bank the edge against your competition, regardless of whether they are large tier 1 banking institutions, or fast moving fintech newcomers. BankWorld Omnichannel Solution will give your bank the agility, consistency, stability and security needed to address the challenges of fast growing markets. We will help your bank to differentiate itself in how you communicate with your customers and deliver services across the self-service channels in a profitable way. By definitively linking your physical and digital channels and empowering your bank to make changes to your channels in-house, we work alongside your bank to cultivate a real and lasting differentiator.

SOLUTIONS PORTFOLIOWhen your customer uses your self-service channels they want to see a functionality rich, personalised experience which lets them back their way. Our product portfolio, which has been developed specifically with the needs of banks in fast growing markets in mind, not only creates a more human banking experience for your customer, but also services your customers in a cost effective and profitable way.

Integrated self-service platform Our BankWorld integrated self-service platform gives a true omnichannel experience in every sense of the word. Through our omnichannel vision, your bank's self-service channels are not merely linked together, they are developed in unison. For you, this means less complexity, an unrivalled 360 degree customer relationship view and the freedom to add new channels, devices or products at the touch of a button. For your customers, this means exceeding their expectations and providing personalised experiences which are as unique as the individual. Each of your customer segments from student to high net worth, can be offered tailored and actionable services and offers, suited to their specific market segment across all channels. Accepting fast loans, purchasing money vouchers or buying cinema tickets has never been easier regardless of when, where, or on what channel your customer wants to bank. A vendor agnostic solution, BankWorld simply works with what you already have, removing complexity and risk for your bank while providing a consistent experience across channels with powerful security functionality. With BankWorld, the customer remains at the very heart of the process.

ATM and Kiosk BankingAt CR2, we understand that the ATM is a trusted device to your customers. With BankWorld ATM, we focus on how your diverse customer base uses this channel use this information to create a unique experience for each user. With personalised screens, instantly actionable offers and powerful market leading services, BankWorld ATM goes above and beyond your customers’ expectations.

For your bank, your technical team can use BankWorld to monitor, support, and ensure your ATM and kiosk networks realise maximus up-time, while your business team can focus on designing and personalising the ATM and kiosk offerings to individual customer segments.

CardWorldCardWorld is our complete end-to-end card payment, management and processing suite. It stretches from card application, approval issuance and online authorisation to statements, payment collections and interest application. It also supports the issuing and acquiring of local and branded debits cards as well the acquiring of credit cards including Maestro, Visa, MasterCard and Union Pay.

Internet BankingIn today’s fast paced banking marketplace technology is constantly changing. One thing that will never change is the importance of personal communication with your customer and we at CR2 pride ourselves on providing you with this link between technology and one-on-one communication with your customer. We have specifically developed BankWorld Internet to make online banking personal and have designed our offering with your customers in mind.

With internet usage in fast growing markets ever increasing, BankWorld internet makes simple for you to customise your internet offering and design your own campaigns, your

way. At CR2, we give you ownership of your internet banking solution, allowing you to launch campaigns quickly and simply without relying on external vendors.

Fraud ManagementCardWorld FraudTrap, is CR2’s rule based real time fraud detection solution. It is fully integrated with our Card Management system and can automatically decline suspicious transactions, protecting your bank from common industry threats such as card skimming attacks and card-not-present fraud.

POSBankWorld POS is an original point of sale acquiring and payment system. It enables you to acquire transactions from merchant POS terminals, perform settlements and reconciliations and route them to the appropriate network such as Visa, MasterCard or UnionPay.

Mobile BankingWith growth in global smartphone penetration an ever present news trend, we at CR2 have developed BankWorld Mobile with your world in mind. We work alongside you to deliver a mobile banking experience which can cater to your diverse customer base regardless of what device they are using through SMS, Apps, USSD, and mobile web. Our mobile

banking solution can be adapted to suit your bank’s needs and the needs of your customer and we will continue work alongside you to create results together.

We have helped our clients to achieve their goals by designing a range of omnichannel banking products which are true differentiators. View and pay bills in one place, transfer money from any device, switch on/off your card and much more.

Our extensive range of robust, agile solutions give you the potential to exceed customers’ expectations and deliver the right product, at the right place, at the right time.

WHAT WE DO TO HELP OUR CUSTOMERS

SUCCESS STORIESWe proudly serve over 100 banks in 60 countries, providing value and making banking simple. Here are just a few examples of how we have helped our clients successfully drive their self-service channels.

Bank of Sharjah

We have worked with Bank of Sharjah in adopting a true omnichannel strategy in order to increase the availability of products and services through the electronic channels and develop successful relationships with their clients. With the help of our ominchannel banking suite, Bank of Sharjah have been able to meet their goal of taking control of their entire self-service banking network. They can now design and deploy new products and services internally to all channels, deliver enhanced customer experiences and maintain their core values of performance, quality and initiative, all from our vendor agnostic solution which was seamlessly integrated with their existing hardware and core banking system.

Diamond Bank

When we first spoke to Diamond Bank, they were facing the challenges they were facing surrounding the complexity of managing different software solutions for each channel and migrating transaction from the branch to lower cost channels such as the ATM. By working with Diamond Bank to deliver our omnichannel solution, we were able to not only meet their demands of increased efficiency and being able to design and deploy product and services in-house, but also to facilitate their rapid expansion and increase their footprint by 10% and customer by 33%.

Zemen Bank

CR2 work with Zemen Bank not only on their ATM and internet channels, but also with our pre-paid cards solution. Zemen Bank were looking for a way to disperse salaries quickly in a country where people commonly bank with different banks, or sometimes don’t hold a bank account at all as well as finding a way to allow their high net worth clients give family members quick access to cash when needed. Through our solution, Zemen Bank became the first bank in Ethiopia to roll out a pre-paid cards solution and were able to expand their customer base by auto-acquiring people as they withdrew salaries from the bank’s ATM network. We have helped the bank to improve banking convenience and customer satisfaction in addition to increasing revenue through the associated fees and administration charges.

Pre-Paid Cards

Pre-Paid Cards allows you to offer prepaid card services to corporate, retail and government customers. They are a convenient and secure alternative to cash or credit cards for corporate as well as retail consumers. It gives corporate customers the flexibility to disburse salary or provide staff with travel cards, as well as offering online or family cards to individual consumers, all while keeping the accounts safe.

Card on/off

Card On/Off provides the capability for clients to switch on or off their card at their convenience to ensure peace of mind. The card can be instantly switched on or off directly from the mobile or internet channels.

Money Voucher

Money Voucher enables you to securely provide electronic cheque services to customers as well as non-customers straight from the ATM, online and mobile banking channels. These e-cheques can then be used to remit funds to anyone across the domestic market. The recipient can simply redeem cash at the ATM channel or alternatively through a network of merchants or agents.

Fast Loans

Fast Loans provide your bank with the capability to pre-approve a group of customers for a loan, define the terms, fees and conditions, and push this offer across all channels. In certain markets, CR2 banks have increased their loan revenue by 30% at the ATM using BankWorld, without reducing their loan sales in branch.

Smart Sales Campaigning

Smart Sales Campaigning is a powerful segmentation solution which enables you to not only analyse your customer data, but most importantly, to send personalised product and service offers to specific customer groups based on their lifestyle. Using BankWorld, you can efficiently and cost effectively create, design and roll out segment specific marketing campaigns on any or all of your self-service channels.

OUR INNOVATIVE PRODUCTS AND SERVICES WORK FOR YOU

CR2 SOLUTIONS AT A GLANCE

Omnichannel Banking

BankWorld Integrated Self-Service Platform

BankWorld Smart Sales Campaigning

BankWorld Segmentation

BankWorld Product Factory

BankWorld Instant Cash Transfer

BankWorld Card to Card Transfer

BankWorld P2P

BankWorld Fast Loan

Internet Banking

BankWorld Internet for Retail

BankWorld Internet for SMEs

BankWorld Internet Responsive Design for Mobile and smartphone devices

Mobile Banking

BankWorld Mobile SMS

BankWorld Mobile App for Smartphones and Tablets

BankWorld Mobile USSD

ATM / Kiosk Banking

BankWorld ATM/Kiosk Manager

BankWorld ATM/Kiosk

BankWorld ATM/Kiosk Distributor Client

BankWorld ATM/Kiosk Support Tool

BankWorld ATM/Kiosk Studio

BankWorld ATM Custodian

Card Management

CardWorld Acquirer

CardWorld Issuer

CardWorld Producer

CardWorld FraudTrap

BankWorld Pre-Paid Cards

Card On/Off

POS Solution

BankWorld POS

Our extensive range of robust, cutting edge solutions give you the potential to exceed customers’ expectations and deliver the right product, at the right place, at the right time.

WHY USE OUR SOLUTIONS?We offer these solutions to help your bank in achieving its goals.

ATM & Kiosk

Internet Banking

Mobile Banking

Card Management

Reaching customers through self-serviceWith over 80% of transactions now happening on self-service channels, banks require a powerful platform to migrate transactions out of the branch while continuing to cross-sell and up-sell to customers. At CR2, we have spent years designing and supplying solutions to retail banks of all sizes across the globe. With BankWorld, our integrated omnichannel platform which handles an extensive range of transactions from the selfservice channels, we can empower you to effectively promote products and services to your customers while consistently improving their interaction.

Responsive sales campaigning channelsBankWorld Smart Sales Campaigning enables the design and delivery of personalised offers to your individual customer segments at every level, allowing you to create rules which will display a promotion or set of transactions for each group of clients. Offers can be accepted by your client directly at the ATM, online or on mobile and the product can be delivered right away depending on its nature whilst generating new revenue. Not only are the campaigns timely and relevant to your customer, the text, menu and display also adapt to the customer’s device thanks to our single integrated platform.

All channels and customer relationships managed in one placeBankWorld allows you to manage your entire customer relationship at every touch point from a single platform, be it ATM, kiosk, online banking, mobile banking and POS devices. It helps you increase your sales through self-service, achieve a real omnichannel strategy and enhance your customer experience, regardless of the chosen banking method. Payment switching, price settings, product launch, sales and marketing, channel parameters and customer information are all enhanced with BankWorld.

Segmentation and personalisation capabilitiesBankWorld allows you to define individual customer segments and create bespoke user interfaces including look and feel, a tailored set of transactions and personalised offers. By reaching the right customer at the right time and on the right channel, BankWorld also helps you to increase your customer product ratio. In addition, BankWorld has the power to on-board new customers with a set of services available to all users such as bill payment and remittance services at every touch point.

Easy managementBankWorld includes a full suite of channel management tools to design, support and control all self-service channels. Your business and technical departments will have their own set of solutions focusing only on their core activity, helping bring your bank to the forefront of the industry. As an example, your marketing team can design and launch campaigns on your electronic channels without outside technical assistance. As banking security is a primary concern for clients, BankWorld is built with state of the art security features and operates in compliance with the latest industry standards: EMV, PA-DSS, 3DES, Windows 7, one time passcode, multichannel authentication and more.

Customer control channelsThe new technology era has dramatically changed customer behaviour including the way we bank and purchase items on the move. BankWorld provides extensive and innovative features which give your customers the power to manage their own money. It not only drives action to purchase new products at every touch point, but enhances the customer experience with a seamless, consistent and interactive offering across all channels. Now, even new customers can on-board themselves using your e-channels.

CLIENT EXPERIENCES“We aim to offer the best customer experience in Nigerian banking and our collaboration with CR2 has helped us in achieving this goal. Ensuring that we can reach customers who cannot easily access the branch is an important part of that – with BankWorld we have been able to provide members of the unbanked population with not just basic banking services but also high-level functionalities at the ATM, internet and mobile channels.”

Head of the Transaction and Electronic Banking Division, Diamond Bank

“CR2 has the right international footprint to assist us in all countries, big and small. We work together as a partner to find the right solutions that meet both our international and local requirements. At Standard Bank, we have a team in charge of rating our suppliers every quarter, CR2 has been sitting in the top 10 of this list since 2003.”

Director of Information Technology and Business Maintenance, Baltic International Bank

“We have substantially improved customer service levels using CR2’s BankWorld online and mobile banking platforms. BankWorld enables our relationship managers to act as private bankers who provide very efficient and confidential services to customers who only care for the best. Each personal banker gets a unique view of their customer’s entire portfolio of accounts making it easier for them to quickly answer customers’ requests and provide best in class customer care 24/7 online or via mobile.”

IT Director Africa, Standard Bank

“There has been a significant uptake of our internet banking channel since its launch. BankWorld delivers a unique personalised banking experience to each customer (retail or corporate) accessing our online banking channel. We are very pleased with the high level of support provided by CR2’s professional services team and look forward to further developing our self-service strategy with CR2 in the future.”

Deputy General Manager, Bank of Sharjah

OUR SERVICES

We understand that in order for your bank to achieve real business benefits through the self-service channels, results don’t come from software alone. For us, continuously working together with our clients to customise our offering to their needs is what remains truly effective. We work with over 100 banks, in 60 countries and across 4 continents on projects which ensure they are equipped to deal with the challenges and maximise the potential of today’s fast growing markets.

ImplementationCR2 uses our extensive experience of retail and SME banking to guarantee the best delivery and implementation for all of our solutions. Whether you are implementing CR2 solutions for the first time or upgrading to a new CR2 solution, we will ensure a smooth and seamless transition. When working with CR2, your bank is engaged in a proven process to make sure that all strategic objectives are met and an efficient migration is accomplished. CR2’s solutions can be integrated seamlessly with a single or multiple backoffice systems and since BankWorld’s creation, we have implemented solutions to over 65 different back-office systems including leading and proprietary systems. We serve banks in over 60 countries in developed, developing and emerging markets. By selecting CR2, you are selecting an established international partner with local knowledge.

TrainingCR2’s objective is to ensure your staff are equipped to operate our solutions. CR2’s training program ensures that your own staff are empowered to take complete control of the management of your electronic channels and can deploy products, services and new branding without relying on any external vendors.

Project managementCR2 understands the complexities of an implementation and the required support of channel management software. Our Professional Services division has developed a proven project methodology which is based on extensive experience managing CR2 projects and installing CR2 products worldwide. During your migration to CR2 solutions, an entire team is focused on the smooth transition for both your bank and customers.

Customer supportCR2 has several customer service centres located on different continents and in different time zones to guarantee our customers get the best possible coverage to service their needs.

ComplianceMeeting industry standards such as PA-DSS, EMV and 3DES is essential to maintain safe and seamless banking for customers. CR2 makes sure that our banking solutions meet the industry’s compliance standards, enabling your bank to provide impeccable service across the globe.

CR2 Headquarters in Ireland9 Beckett WayPark West Business ParkNangor RoadDublin 12IrelandTel +353 1 443 9110Fax +353 1 443 9101

CR2 in IndiaChetana Towers, No 19/1, 3rd Floor Infantry Road Cross next to Medinova Diagnostic Bangalore 560001 India Tel +91 80 4241 9800 Fax +91 80 4241 9888

CR2 in AustraliaLevel 2, 369 Newcastle Street Northbridge 6003 Perth Australia Tel +61 (0) 8 9328 28 28 Fax +61 (0) 8 9328 757

CR2 in JordanQueen Rania Street Abu Al Haj Complex 2nd Floor, Office 207/208 PO Box 930752 Amman 11193 Jordan Tel +962 6 516 3122 / 3124 Fax +962 6 516 3123

CR2 in South AfricaOxford Gate Hyde Park Lane Cnr William Nicol and Jan Smuts Johannesburg, South Africa Tel +27 (11) 280 6614 Fax +27 (11) 280 6610

CR2 in the UAESheikh Zayed Road Millennium Plaza Tower 10th Floor PO Box 62187 Dubai United Arab Emirates Tel + 971 4 331 5414 / +971 4 387 5200 Fax + 971 4 331 5480

CR2 in EgyptSmart Village Km 28 Cairo Alexandria Desert Road Building B2401, SMARTZONE Office 80176 October 12577, Egypt Tel +202 35358017 Fax +202 35350549

CR2 in SingaporeLevel 40, Ocean Financial Centre 10 Collyer Quay 049315 Singapore Tel +65 6232-2908 Fax +65 6232-2888

CR2 offices are strategically located across 4 continents and in different time zones to ensure the best coverage to service customer’s needs. CR2 successfully serve over 100 banks in developed, developing and emerging markets across 60 countries and 4 continents.

CR2 AROUND THE WORLD