Omnichannel Banking Solutions - CR2Omnichannel Banking Solutions At CR2, we believe in creating...

Omnichannel Banking SolutionsAt CR2, we believe in creating results together with

our customers through our omnichannel banking

software covering ATM, internet banking, mobile

banking, app, POS, switch and card.

OMNICHANNEL BANKING SOLUTIONSCR2 BANKING INNOVATION


A brief history of the future

Naturally, we soon realised that in order to service

our customers exceptionally, we had to become truly

omnichannel. As such, we acquired Interlink, a provider

of ATM solutions which had already over 15 years’

experience servicing leading large banks across the

globe. As a result, the ATM was added to our product

mix and 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.

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, and 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 – ensure that you

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 in turn their

clients, while still maintaining the personal touch.

Today, CR2 has customers across 60 countries in 4

continents, driving tens of thousands of ATM’s and

servicing millions of internet and mobile banking users

globally.

Headquartered in Dublin, Ireland, CR2 has a network

of well-established offices and partners across Europe,

Africa, Asia and the Middle East.

CR2 was born when internet connectivity started to become 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 uniquely provide tailored products and services on

their self-service channels.

We envisioned the creation of a unified self-service platform”

“


What we do

Our self-service banking software suite, BankWorld, is

developed specifically with your bank, your customer

and your market in mind. In today’s modern fast

growing markets with their diverse customer base

and competitive marketplaces, we know that offering

one-on-one individualised customer experiences and

rich functionality is key to the success of your bank.

Our omnichannel product portfolio has a multi purpose

to ensure we work together to reach all your financial,

operational, and social goals. With BankWorld, you can

not only attract and retain high-end profitable customers,

but you may also service mass market and lower-

level customers in a cost effective way. At CR2, we

understand that one size does not fit all.

At the very heart of the BankWorld omnichannel

vision lies a unique, 360 degree view of each of your

customers’ entire banking relationship. This information

is a powerful tool which will allow your bank to segment

and tailor your offerings, products and services

across all channels. Imagine for example a high-net

worth segment customer approaching your ATM to

withdraw cash, entering their PIN number and being

presented with a screen and service options which are

personalised to their needs. Pre-approval for a platinum

credit card, the option to renew their car insurance, or

simply send cash quickly to their student son/daughter,

all of these tailored and actionable services are possible

thanks to BankWorld.

At CR2, we continually work with your bank to not only

create and facilitate optimum customer experiences, but

also to simplify your banks operations. Our technology

is not just linked or plugged together as with many

other solutions on the market, it is purpose built as one

complete offering with each channel working seamlessly

in unison. This simply means less complexity for your

bank not only in managing your network, but importantly,

new channels, products, or devices can be introduced

easily, allowing your bank to succeed in highly

competitive landscapes and lead the

technology revolution.

BankWorld, 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.

At CR2, we believe in creating results together. By focusing on your

customers’ self-service banking needs, we help you to deliver the

meaningful and personalised banking experiences you need to

support each individual customer, as just that, an individual.


Our mission

Continue to develop truly innovative omnichannel solutions for the banking challenges of today, tomorrow and beyond

Help your financial organisation personalise your self-servicechannels efficiently and quickly

Put your self-service channels to work, we enable them to be a significant contributor to your revenues

Free up branches to focus on higher value transactions by migrating regular

transactions to the self-service channels

Our mission is to be the global market-leading supplier of innovative

self-service banking software in fast growing markets. It is our aim to:

What makes us different?

Embrace customer diversity, serving all types of customer in a simple, effective and cost efficient way

Serve different roles within your bank, from IT to marketing to ensure our software is easy to use by all and simplifies processes throughout your organisation

Make banking human, allowing you to deliver individualised, one on one interactions with your customers

Build a better world through financial inclusion

At CR2, we believe in working alongside you to create real and lasting

satisfaction for both your bank and your customers. Our team are passionate

about providing personalised customer experiences which exceed

expectations and support the diverse customer base of fast growing

markets. We deliver solutions that:


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. Being 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 features. With

BankWorld, the customer remains at the very heart of

the process.

BankWorld integrated self-service platform

CR2 solutions portfolioOur business is to ensure that when your customers use your self-service

banking channels, they see a functionality rich, personalised experience

which lets them bank their way. By developing our products specifically

with your customers in mind, we have developed a product portfolio

which simplifies this process for you and creates a more human banking

experience for your customer.


At 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, then using 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 maximum up-time, while your business

team can focus on designing and personalising the ATM

and kiosk offerings to individual customer segments.

BankWorld ATM and Kiosk


In 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 it simple for

you to customise your internet offering and design

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.

BankWorld Internet


With 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 to work

alongside you to create results together.

BankWorld Mobile


CardWorld 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

UnionPay.

CardWorld


BankWorld 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.

BankWorld POS

CardWorld 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.

Fraud Management


BankWorld Instant Cash Transfer 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.

BankWorld Instant Cash Transfer

BankWorld Pre-Paid Cards allows you to offer pre-

paid card services to corporate, retail and government

customers. BankWorld Pre-Paid Cards 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.

BankWorld Pre-Paid Cards

CR2 has designed a range of innovative omnichannel banking products

specifically with bank’s in rapidly expanding markets in mind. Features

include: view and pay bills in one place, transfer money from any device,

switch on/off your card and much more.

Innovative Omnichannel products and services used by CR2 customers

BankWorld 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.

BankWorld Fast Loans

BankWorld 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.

BankWorld Card On/Off


BankWorld 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.

BankWorld Smart Sales Campaigning


CR2 Solutions at a Glance

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

BankWorld Mobile SMS

BankWorld Mobile App for

Smartphones and Tablets

BankWorld Mobile USSD

CardWorld Acquirer

CardWorld Issuer

CardWorld Producer

CardWorld FraudTrap

BankWorld Pre-Paid Cards

Card On/Off

BankWorld Internet for Retail

BankWorld Internet for SMEs

BankWorld Internet Responsive Design

for Mobile and Smartphone Devices

BankWorld ATM/Kiosk Manager

BankWorld ATM/Kiosk

BankWorld ATM/Kiosk Distributor Client

BankWorld ATM/Kiosk Support Tool

BankWorld ATM/Kiosk Studio

BankWorld ATM Custodian

BankWorld POS

Omnichannel Banking

Mobile Banking

Card Management

Internet banking

ATM/Kiosk Banking

POS Solution

At CR2, our software has been designed with your customers in mind.

By working alongside you, we can deliver the right product, at the right place, at

the right time, to all of your customers.


BankWorld 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.

All channels and customer relationships

managed in one place With 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 self-

service channels, we can empower you to effectively

promote products and services to your customers while

consistently improving their interaction.

Reaching customers through self-service

Our proven expertise allows us to offer these solutions:

ATM & Kiosk

ManagementInternet Banking Mobile Banking

Card Management

Benefits of using CR2 solutions


BankWorld 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.

Easy management

The 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.

Customer control channels

CR2 solutions are designed with the objective of helping you to reach your goals of:

Costs reduction through the adoption of a single omnichannel platform

Revenues generation through innovative products and services as well as targeted campaigns

Customer satisfaction with a personalised approach and the delivery

of convenient and easy banking

BankWorld 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.

Responsive sales campaigning channels

BankWorld 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 helps

you to increase your customer product ratio.

BankWorld also 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.

Segmentation and personalisation capabilities


Head of the Transaction and Electronic Banking

Division, Diamond Bank

IT Director Africa, Standard Bank

Director of Information Technology

and Business Maintenance, Baltic

International Bank

Deputy General Manager, Bank of Sharjah

Clients testimonials

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.

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.

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.

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.

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CR2 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.

Project Management

CR2 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 back-

office 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.

Implementation

CR2 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.

Customer Support

CR2’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.

Meeting 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

Training Compliance

CR2 ServicesBy selecting CR2 to work alongside you in achieving results, you can

rely on our teams unparalleled expertise and dedication to you and

your customers success.


9 Beckett Way,

Park West Business Park,

Nangor Road,

Dublin 12,

Ireland

Tel +353 1 433 9100

Fax +353 1 433 9101

Level 40, Ocean Financial Centre

10 Collyer Quay

049315 Singapore

Tel +65 6232-2908

Fax +65 6232-2888

Level 2, 369 Newcastle St

Northbridge 6003

Perth

Australia

Tel +61 (0) 8 9328 28 28

Fax +61 (0) 8 9328 7570

Chetana 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 Headquarters in Ireland CR2 in SingaporeCR2 in Australia

CR2 in India

CR2 around the worldCR2 offices are strategically located across 4 continents and in

different time zones to ensure the best coverage to service customers

needs. CR2 successfully serve over 100 banks in developed,

developing and emerging markets across 60 countries and 4

continents.

Queen 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 Jordan

Sheikh 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 the UAE

Smart Village

Km 28 Cairo Alexandria Desert Road

Building B2401, SMARTZONE, Office 8017

6 October 12577, Egypt

Tel +202 35358017

Fax +202 35350549

Oxford 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 EgyptCR2 in South Africa

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