Month: October 2019

Finacle Mobile Banking Solution

With mobile devices becoming integral to people’s lives, banks are seeking to leverage the ubiquity of mobile phones to create a cost-effective distribution channel, rapidly innovate, extend reach across segments and improve convenience and security of use. However, due to consumer concerns regarding security, the adoption of this channel for value-based transactions has been limited. While some consumers prefer browser-based mobile banking, others use applications that can be downloaded to create a rich interface on the handset. Additionally, the diversity of hand held devices presents a unique challenge for banks seeking to optimize services delivery across the gamut of devices and customer segments.

A truly secure mobile banking solution built on open standards, for increased agility and flexibility, can prove invaluable for banks. The solution must also intuitively address the hurdles posed by multiple form factors and access mechanisms in the mobile space.

Finacle mobile banking solution empowers retail and corporate banking customers with access to banking services through SMS, GPRS/ 3G and USSD-enabled handsets, leveraging a single platform. The solution provides a secure, multi-lingual channel for banks to innovate by easily deploying new services with improved time to market. The end user experience thus created is richer and truly convenient.

Finacle mobile banking solution integrates easily with disparate host systems, core banking solutions, payment networks and third-party applications. The solution leverages Infosys mConnect, the indigenously developed middleware, which orchestrates mobile transactions between users’ devices and the Finacle universal banking solution. Infosys mConnect handles the multiplicity of form factors and access mechanisms on multiple devices to provide a context and device independent view to the transaction server. This presents banks with a powerful channel to service customer segments ranging from the mass affluent to the under-banked or unbanked, surmounting the challenge posed by the diversity of mobile devices.

The ubiquity of the platform adequately addresses the challenges of encryption, communication, synchronization, image resizing, downloading and security. This ushers in the advantages of reduced integration by leveraging common interface messages, maintenance and deployment costs.

Customer On-boarding

Finacle mobile banking enables the bank’s existing customers to be directed to use the mobile channel for banking and payment transactions through the following modes:

Mobile banking facility requested by sending SMS request in prescribed format

Registering for mobile banking through the bank’s Internet banking site

Phone banking leveraging the bank’s tele-banking call center

Mobile Banking and Payments

Customers are enabled to perform several financial transactions on their mobile phones using multiple languages and across multiple time zones. The functional capabilities of the solution include:

Account management and requests like balance inquiry, account aggregation (within and with other banks), mini statements, among others

Term deposit and renewal

Funds transfer (self and third-party accounts with multi-currency support)

Local and international payments with support for expedited payments

Bill presentment and payment

Remote deposit capture

Account origination, Forex rates and calculators

Cheque status inquiry, cheque book requests and stop cheque requests

Customer personalization including account setup and marketing preference

Transaction approvals for corporate customers

ATM and bank branch locator

Remittance request, enquiry and statement

Peer-to-peer payments

Business-to-business payments

Contactless payments

Support for administrative tasks like secure mails to relationship manager, approvals, password/ PIN change, block credit/ debit/ ATM card, customer billing, data synchronization and self-audit

Key Modules

Mobile Financial Management

The solution offers unmatched support to manage finances on the move. This helps banking consumers make informed decisions. A comprehensive set of tools is provided to enhance financial management.

Quantitative (such as EMI calculators) and qualitative analysis tools (such as budget vs. spend analysis)

Transaction tagging

Product selectors and comparators

Virtual financial advisory services through video chat on mobile


This module empowers customers to subscribe and receive a wide variety of mobile alerts. The solution supports both push and pull alerts along with customizable alerts via integration with Finacle alerts solution. The module also allows the customer to set preferences and limits for alerts and configure ‘do not disturb’ timings.

Value Added Services

Finacle offers a gamut of value added services that provide extended convenience and comfort to the customer. These include:

Mobile commerce

Mobile ticketing

Mobile top-up for prepaid card recharge

Mobile advertising, based on location, user profile and actions

Mobile remittances to charity causes

Mobile wallet

Demat and stock trading services


Finacle mobile banking solution offers state-of-the-art security through optimized measures. The solution offers:

Two factor authentication – PIN encryption

J2ME MIDP 2.0 support for SSL/ TLS

Encryption of data stored on mobile phone

Support for binary XML

Enabling and disabling of mobile numbers

Support for additional authentication mechanism

Business Benefits

Greater Customer Convenience

Finacle mobile banking solution empowers banking customers to make informed decisions by providing them with an invaluable set of financial management tools on the mobile handset. These tools help in quantitative and qualitative analysis, as well as in the selection and comparison of financial products.

Reduced Turnaround Time

Finacle mobile banking solution has a robust integration framework which allows it to function in tandem with disparate host systems, core banking solutions, payment networks and third-party applications. This translates into reduced go-to-market time for the bank as well as support for legacy systems.

Robust Inclusivity Framework

Finacle mobile banking solution leverages Infosys mConnect to smoothly hurdle the challenges posed by the multiplicity of form factors and access mechanisms on multiple devices to provide a context-agnostic view to the transaction server. This enables banks to include, through the mobile channel, its various customer segments, ranging from the HNWI to specific unbanked communities, surmounting the complexities of diverse location and dissimilar mobile devices.

Maximize Innovation

Banks can leverage Finacle solution’s indigenously developed middleware Infosys mConnect, to configure an unlimited palette of services from any channel, to the mobile space, with ease. The need for development of new back end services is precluded due to the availability of a banking solution behind the mobile interface. Finacle also provides the flexibility to deploy services over the existing online banking platform or through a standalone delivery channel interfaced directly with the relevant host systems. This ensures the rapid delivery of a comprehensive range of financial services, embellished with new innovative features, on mobile devices.

Business Benefits

Robust Security

The solution offers extensive application security features like URL encryption, referral URL check and session management to provide a robust security framework. The solution also supports OTP (one time password), which provides a two factor authentication mechanism for users transacting with downloadable mobility client. This enables the bank to offer products that are highly secure and geared to withstand the onslaught of security threats associated with mobile transactions.

Cost Savings

The solution presents banks with the advantages of reduced integration by leveraging common interface messages, maintenance and deployment costs. This translates into significant cost savings without banks having to compromise on features or the range of devices supported. The mobile banking solution is inherently independent of the network service provider, obviating the need to build a business model that involves costs and profits sharing with them.

Customer Delight

Finacle mobile banking solution enables banks to offer the convenience of comprehensive anywhere anytime banking, using GPRS, mobile browser or SMS. It supports a wide range of mobile devices and mobile browsers. Banking customers can query on account balances and make fund transfers. Banks can also proactively send timely information to customers in a completely secure environment, whenever a customer-defined event occurs. The solution’s self-service capabilities empower customers to manage their banking activities better. The solution also addresses data transmission and storage related security concerns adequately, delivering a truly streamlined customer experience.

Katakura Industries Co., Ltd. – Financial And Strategic Swot Analysis Review

May, 28, 2014 : Company Profiles and Conferences presents a Company Report on “Katakura Industries Co., Ltd.- Financial and Strategic SWOT Analysis Review”, who helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.


This comprehensive SWOT profile of Katakura Industries Co., Ltd. provides you an in-depth strategic analysis of the companys businesses and operations. The profile is bring to you a clear and an unbiased view of the companys key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

This company report forms is the part of Profile on Demand service, covering over 50,000 of the worlds leading companies. Once purchased the highly qualified team of company analysts will comprehensively research and author a full financial and strategic analysis of Katakura Industries Co., Ltd. including a detailed SWOT analysis, and deliver this direct to you in pdf format within two business days. (excluding weekends).

The profile contains critical company information including,

– Business description A detailed description of the companys operations and business divisions.
– Corporate strategy Analysts summarization of the companys business strategy.
– SWOT Analysis A detailed analysis of the companys strengths, weakness, opportunities and threats.
– Company history Progression of key events associated with the company.
– Major products and services A list of major products, services and brands of the company.
– Key competitors A list of key competitors to the company.
– Key employees A list of the key executives of the company.
– Executive biographies A brief summary of the executives employment history.
– Key operational heads A list of personnel heading key departments/functions.
– Important locations and subsidiaries A list and contact details of key locations and subsidiaries of the company.
– Key manufacturing facilities A list of key manufacturing facilities of the company.
– Detailed financial ratios for the past five years The latest financial ratios derived from the annual financial statements published by the company with 5 years history.
– Interim ratios for the last five interim periods The latest financial ratios derived from the quarterly/semi-annual financial statements published by the company for 5 interims history.

Key benefits of buying this profile include,

You get detailed information about the company and its operations to identify potential customers and suppliers.
– The profile analyzes the companys business structure, operations, major products and services, prospects, locations and subsidiaries, key executives and their biographies and key competitors.

Great Reasons To Use Allied Wallet

Looking for more information About Allied Wallet? Here are 8 Great reason to use
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4. Ewallet
You can accept and send fund through an ewallet. This enables your consumers to have yet another payment option.

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Allied Wallet is Level 1 PCI DSS Validated. This means that they abide by the highest security standards that the card brands such as Visa and MasterCard set.

7. Other Advantages
Additionally, Allied Wallet features free on-line support and 24/7 customer support. Allied Wallet also allows for multi-currency transactions which enable customers to buy in their own local currency. This is a huge plus if you are looking to sell your products around the world!

How To Choose The Best Infrastructure Financial Services

Nowadays infrastructure financial services are a necessity for nearly every business in the big leagues. The management of resources in the appropriate way through use of a systemized channel is vital for work to continue to run smoothly. Having a solid back up of infrastructure is what allows any business to maintain a strong showing. Here are some suggestions for how to choose a corporation for infrastructure financial services:


Look for a company that has been in business for a while, even a decade or longer, and has expanded its services to provide many varied financial services including involvement with world class infrastructure. It’s team should be composed of leading finance professionals with many years of experience between them. They should be constantly involved in creating innovative and competitive solutions for their clients to prosper. They should be aware of what is going on whether it is in the United States or overseas and to be able to advise their client accordingly.


The company you choose to be your infrastructure financial advisor should have a large portfolio of companies that it has already assisted on the road to prosperity. Their projects should include Urban Infrastructure such as helping to develop projects in Water Supply and Sanitation, Solid Waste Management and even Traffic. Their services and record of accomplishments should include having been instrumental in implementing municipal reforms for improving efficiency and also having made contributions to cost reduction in the area of municipal services.

They should be involved in world class infrastructure. Things like building bridges, roads, improving the water supply, etc. They should also have a large and varied portfolio to display their successes for potential clients to examine.


Also this company should be on the cutting edge of the infrastructure sector and know exactly what is going and where the best areas are for investment. They should be able to build careers based on specializing in new and creative techniques for developing and financing innovative infrastructure projects. And they should be able to structure a financial package for the investment in infrastructure which is beneficial to their clients.


The company you chose to represent you in the infrastructure field should have a sterling reputation for being able to bring success and prosperity to their clients. They should know what they are doing and be able to anticipate what are the next logical steps to take to improve their clients investment without having to consult with other businesses or explore the latest trends because they should already have determined what they will be and be working to make their client’s investment bigger and better by using these trends in their favor.

Letterheads and Envelopes Effective Communication Tools for Accounting Firms

Letterheads and envelopes can be used by accounting professionals in creating business letters and correspondence. These printed materials are utilized to disseminate important information to clients and internal employees. Accounting practitioners can create a letterhead and envelope design that complements their marketing objectives. Letterheads and envelopes are effective communication tools that can represent an accounting services firm.

1.Letterheads and envelopes can communicate messages to clients. Accounting firms can utilize letterheads and envelopes for correspondence, business letters, business replies, invitations, announcements, and proposals. Accounting firms can also use letterheads to communicate to their internal employees.

2.A uniform design for letterheads and envelopes is important to build an accounting firm’s image. Accounting professionals must create an envelope design that matches their letterheads. Letterhead and envelope design must be aligned with the design of the company’s other marketing materials.

3.An accounting firm’s logo can be incorporated on letterhead and envelope design. Business letters written on corporate stationery will be perceived by the recipients as important documents. The envelopes should also contain the accounting firm’s logo to match your company’s letterheads.

Accounting practitioners can seek help from a reliable online printing company to create high-quality letterhead and envelope design. They must choose the specifics for the prints including the size, quantity, and paper stock to be used for printing. With a compelling design created for the business stationery, accounting firms can effectively communicate their message to their clients.