Omni-Channel Digital Banking
Online banking as we used to know it has changed dramatically with the age of technological advancement. The surge and advancement in technology and infrastructure has caused a shift on how banks implement digital technology to serve various banking customer segments.
Financial service providers are now faced with new challenges in optimising various channel delivery coupled with addressing new technology and innovation such as AI, quantum computing and integration to devices.
Trying to keep up with technology change while contemplating business concerns and security risk is worrying. This is the age of the digital evolution and where traditional banking technology is no longer sustainable but requires financial service providers to adapt to meet customer’s expectationa and technology change.
Digital banking expands beyond channels and devices. It melds into our life and our daily activities. Banking is now blurred and is being bundled with other financial or lifestyle offerings. Banks now work with partners to offer more holistic experience to capture customer’s loyalty and provide at the service offerings.
VIZARDRY Omni-Channel Digital Banking Platform is our proprietry platform created to cater for consumer, business and corporate banking channels. More specifically for digital banking, front-facing channel delivery, available via mobile, browser and kiosk platforms.
It is a modular front-end, services and back-office solution targeted at offering flexibility for various banking transactions and payment needs. This is developed on an open platform for ease of integration to various services and legacy systems existing in a bank.
The Vizardry banking suite can be deployed to serve specific channels or cater for various segments using one core back-end. Comprising of all key components and transaction modules that are independent in nature which allows for both simple and complex implementations, the platform can be configured to meet any requirements. This reduces time-to-market for banks and other financial services providers who need to accelerate their online and digital strategy. It allows banks and financial services providers to take back control of their digital strategy and address their customers needs directly. It also empowers business owners like digital marketers to create, manage and optimise the end-to-end customer experience.
Malaysian paynet Payment Solutions
This payment suite comprises of all key digital payment offerings from PayNet in Malaysia. This platform is targetted to serve banks and payments processes.
- Digital banking ready
- Flexible seller/merchant reports
- Transaction Authorisation workflow
- 2-factor authentication
- Straight-through processing
- Merchant onboarding and TPA exchange capability
- DuitNow Transfer
- DuitNow QR
- High-volume transactions
- Seller Bank features
- Mandate maintenance & validation engine
- Comprehensive reporting (for Seller & Bank)
Features
Consumer banking main modules & sub-components
- Customer onboarding & eKYC/MyDigital ID
- Multi-factor, biometrics and transaction authorisation
- Transaction enquiry and statement engine
- Payment scheduling & aggregation
- Payment factory for single, bulk payments, bill payments, (integration and management to switches and payment gateways)
- Remittances, demand drafts, cheque services
- Product & financing calculators, expenditure and budgeting Tools
- Online account opening & loan application
- Transaction & security monitoring tools
- Financial product advisory & aggregation platform
- Notification & communication engine (multi-channel)
- Content management platform
- Fintech capability platforms for e-Money Wallets, Forex Remittance, P2P / Crowdfunding offerings
- Partnership Modules (for cross-selling & bundling online offers for Bancassurance / Bancatakaful, Unit Trust, etc.)
- Digital CRM, customer profiling & targeting
- Business intelligence / data analytics – Customer analytics and utilisation patterns
- eCommerce engine & payment support
- Consumer loyalty & rewards engine
- Social media interaction / customer servicing / feedback tools
- Rapid user interaction management tools
- SuperApp and Mini-programme module
- Open finance & API management
- Back-office administration, customer support & reporting tools
- Chat servicing and advisory
Additional Features
Additional modules and features to
support business / corporate banking
- Onboarding & eKYB
- Corporate access management & approval matrix
- Bulk payments
- Payroll & statutory payments
- Collections & receivables management
- Invoice presentment / payment link
- Cash management and liquidity management
- Trade finance
- Supply chain financing
services
We also custom-build channel applications for :
Neo & Digital Banks
Alternative Lenders
e-Wallets
Fintech Solutions
Why Choose Us?
The optimised channel delivery platform for banking services
Certification
The software product Vizardry, has been assessed and tested against the criteria specified in the MSC Malaysia Software Product Assessment & Rating Standard and the audit results have been independently reviewed by TUV Rheinland to be in full compliance with the requirements.
Assessment Areas
- Process-Related Requirements
- Requirements Management
- Technical Solution
- Product Integration
- Validation
- Verification
- Support
Product-Related Requirements
- Functionality
- Reliability
- Security
- Usability
- Maintainability
- Portability
- Architectural Principles
