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Personetics

Personetics was founded in 2010 in New York, US, to offer a predictive interaction solution for financial institutions to deliver personalized customer experiences across online, mobile and tablet platforms. The solution comes pre-loaded with a comprehensive library of banking-specific predictions and solutions and leverages a real-time analytics engine to accurately predict the customer intent. 

Personetics gives financial institutions the power to convert passive digital adopters into active digital users while improving their overall customer experience and reducing operational costs for the institution.

Cyberbank integrates Personetics to deliver data cleansing, categorization and aggregation capabilities, in addition to personalized insights for the financial management of each user, enhancing the financial knowledge of each customer.

The integration of Cyberbank and Personetics makes it possible to:

  • Cleanse, categorize and aggregate data from other banks in one environment, visualizing each customer’s account through the digital channel solution of Cyberbank Digital.
  • Generate customized insights for each customer, through which financial solutions are offered according to the context of each user.
cedar

Main Benefits:

  • Each user of the financial institution will be able to keep control of their finances, unifying the visualization of their accounts in the same environment and through all the channels they need.
  • Improve the quality of life of clients by providing them with the means to achieve financial stability, using key insights and advice based on the behavior of each user. Cyberbank and Personetics are responsible for taking the banking experience to the next level.
  • Personetics’ self-adaptation, automation and financial wellness programs, in conjunction with Cyberbank, help customers achieve long-term financial goals. Customers achieve financial resilience by adopting financial wellness behavior that becomes habitual over an extended period of time.

Key Features:

  • Present real-time insights that forecast customer balances, monitor transactions, and proactively highlight important events to increase customer engagement by 50%.
  • Provide relevant and timely personalized recommendations for savings, loans, and investment options that generate double digit response rates.
  • Create new targeted messages and offers based on individual spending patterns and cash-flow needs in a matter of hours.
  • Offer AI-based money management programs—such as automated savings—generating 10-20% sales and balance growth.

Personetics enables:

Real-time data standardization:

  • Industry-leading automated categorization model.
  • Enrich transaction data for an accurate cross-selling targeting.
  • Automated mapping and normalization of multiple internal and external data sources for consistent, cross-channel customer experiences.
  • AI-based, enhanced data cleansing and enrichment models for transaction descriptions, including merchant name, logo, location, subscriptions, and more.
  • Self-learning models ensure real-time data enrichment invocation.
  • Business-level controls enable owners to align logic with features and business objectives.
  • Marketing ROI-oriented ability to deeply know and micro-target customers.

Volante

Founded in New Jersey in 2001, Volante is a platform focused on providing payments and financial messaging automation services. With a broad range of more than 100 financial institutions, businesses, and customers in 35 countries, Volante provides the business agility needed to compete and thrive in the age of digital payments.

All Volante products emerged from the payments legacy and financial messaging integration and are rich in innovative functionality as a result of best practices driven by their R&D department over the past 16 years. This means that their products, along with their growing and maintained library of hundreds of plugins and transformations of international and national message standards, enable projects to be completed quickly and effectively.

Cyberbank Platform is integrated with Volante to offer Automated Clearing House (ACH) and wire transfer payment services.

The integration of Volante and Cyberbank Digital makes it possible to: 

  • Improve the user experience, giving access to new payment functionalities, maintaining the design and brand identity of the financial institution.
  • Unify the payment ecosystem, orchestrating each process in an agile way, by means of the joint work of the platforms.
  • Provide financial institutions with the new payment models and systems existing in the market. Leave legacy systems behind and increase new customer acquisition.
pay

Main Benefits:

  • The joint work of Cyberbank and Volante platforms provides access to a real-time payment system that drives financial institutions to meet the demands of today’s market.
  • End-to-end processing of all payment types through direct clearing and settlement network connectivity and a secure managed cloud service.
  • Lower cost of payment infrastructure.
  • Both Cyberbank and Volante comply with current US market regulations and standards.
  • Like Cyberbank, Volante has Azure cloud deployment capabilities, which enables it to be the first SEPA payment system in the cloud.

Key Features:

  • Cloud-native payment solutions for banks and financial institutions.
  • End-to-end payment processing.
  • Clearing and settlement initiation.
  • Domestic and cross-border real-time/instantaneous payments, ACH/bulk, RTGS/Wire.
  • SWIFT, gpi, Ripple, Visa B2B and others.
  • More than 100 supported networks.
  • ISO 20022 native.

Volante enables:

  • Working with The Clearing House RTP® network, which allows users and businesses to exchange funds immediately, at any time. 
  • Complying with security regulations such as ISO 27.001:2013 and SOC 2 Type II. 
  • Having standard libraries:
    • Address the challenges posed by constantly evolving messaging standards.
    • Support SWIFT MT, SWIFT MX, ISO 20022, FIX, FPML and others.
    • Maintenance and growth of 100+ standard libraries.
    • 250+ customizable and bi-directional transformations.
  • Making domestic and international payments.

BioCatch

BioCatch was founded in 2011 by experts in neural science, artificial intelligence (AI), machine learning and cyberterrorism. The company was founded with a significant mission: to address next-generation digital identity challenges by focusing on users’ online behavior rather than static authentication measures such as passwords or endpoint security.

BioCatch Account Opening Protection generates advanced behavioral information to give users the real-time visibility they need to detect more fraud, introduce less friction and acquire more customers.

Financial institutions can integrate Cyberbank and BioCatch to leverage digital identity protection under an end-to-end framework.

The integration of Cyberbank and BioCatch makes it possible to:

  • Consolidate the protection and security of each user from the digital onboarding process as well as in the day-to-day life of customers.
  • Work under the Cyberbank Platform cybersecurity framework, powered by Biocatch, whose strategic security model ensures that each user’s identity remains secure.
  • Deliver a secure user experience across all of the financial institution’s digital channels for an optimal customer journey.
face recognition

Main Benefits:

  • Reduce losses caused by fraud: Integration allows even the subtlest indicators of fraudulent behavior to be detected without ever seeing the user.
  • Increase customer acquisition: Reduce false opt-outs and application drops, ensuring that financial institutions can safely acquire more customers.
  • Add immediate value: Risk models are based on innovative research and data collected over a decade to provide immediate information on fraudulent vs. legitimate sessions.

Key Features:

  • The system analyzes a user’s physical and digital cognitive behavior and continuously monitors web and mobile sessions to identify whether users are genuine or criminal, either human or automated attacks, such as bots, malware or remote access tools (RAT).
  • Integration with Biocatch allows us to analyze user behavior in real time to detect when an individual is conducting a transaction under the influence of a cybercriminal, helping banks protect their customers from voice scams and authorized push payment fraud.
  • BioCatch provides a secure and frictionless customer experience through “Strong Customer Authentication”.
  • BioCatch analyzes behavioral, device, and network attributes to conduct One-Time-Passcode (OTP) profiling and offers a layer of entry of familiar information to protect the Strong Customer Authentication flow under PSD2 (Payment Services Directive).

Biocatch enables:

  • Generating the necessary information on customer behavior to provide real-time visibility, detect more fraud attempts, reduce friction, and acquire more customers. 
  • Analyzing physical and cognitive behaviors.
  • Performing network and device analysis.
  • Identifying identity anomalies and detecting patterns of criminal behavior.
  • Performing identity analysis to determine the user’s genuine age. 
  • Connect existing user behavior profiles with solutions, such as Account Takeover Protection, to streamline the creation of user profiles.

Sendgrid

SendGrid was founded in 2009, in Denver, Colorado, USA, to create a cloud-based customer communication platform to improve customer service and user experience. SendGrid is a leader in email management, and its proven cloud-based platform successfully sends more than 40 billion emails per month for the Internet and mobile customers of enterprises—such as Airbnb, Pandora, HubSpot, Spotify, Uber and FourSquare.

Cyberbank integrates SendGrid to provide financial institutions with a complete system of marketing campaigns that reach every user through their associated email.

The integration of Cyberbank and SendGrid makes it possible to:

  • Design marketing campaigns through the Cyberbank platform to be sent to customers through their emails. 
  • Create marketing campaigns from customer segmentation to the design of the email itself, using disruptive technology that makes the design experience more flexible.
  • Impact through the efficiency of email delivery, automating the flow and content of each email.
  • SendGrid offers a Web API that make custom integration simple. The API provides reliable delivery, scalability and real-time analytics that allows customers to retrieve information about their accounts such as statistics, bounces, spam reports, unsubscribes, and more.

Main Benefits:

  • Cyberbank’s marketing campaign module complements SendGrid’s design and distribution model to offer financial institutions an end-to-end campaign creation system.
  • The integration allows reaching more customers efficiently and segmenting the financial institution’s user database. This makes it possible to deliver relevant content in a personalized way for each segment and each user.
  • Financial institutions can agree to send sensitive information under a secure and reliable framework that will only reach the intended recipient.

Key Features:

  • Email marketing automation: This feature allows interacting with contacts through automated and recurring emails.
  • Registration forms: Allows capturing new registrations, confirming customers who want to join a new list, and adding them directly to marketing campaign lists.
  • Testing: Runs inbox previews, spam testing and link validation to confirm that each email is ready to be sent smoothly.
  • Design: The system allows creating email campaigns quickly using user-friendly tools, in addition to offering the use of HTML and Drag & Drop.
  • Email Templates: Provides time-saving, pre-designed email templates that contain professional, customer-focused visuals.
  • List Management: Allows segmenting recipients to send targeted personal messages to improve engagement.
  • Statistics: Provides a complete, analyzed picture of each email’s performance to help make informed, data-driven decisions.

SendGrid makes it possible to:

  • Edit, design and create emails using HTML. It brings the benefits of split-screen design, scroll sync, preview of the executed code, and protection from unwanted changes.
  • Design using a fully designer-friendly Drag & Drop and WYSIWYG (which translates to “what you see is what you get”) model for flexible and fluid experiences.
  • Improve the marketing strategy through visuals of what works and what doesn’t work. Through statistical tools it is possible to improve the impact on users to offer better and better experiences and accurate emails.

Ocean Systems

Founded in 1991 in Miami, Florida, US, Ocean Systems, Inc. (OSI) is a software development company specializing in Compliance and Electronic Funds Transfer (EFT) applications for the financial and banking industry. OSI’s core software products include the FedLink Wire Automation product, the OFAC EDD Server, and the Enhanced Compliance Solution (ECS). 

Since it was founded, OSI has played a leadership role in software engagements in compliance solutions related to bank payment systems concerning ACH, Wire Transfers, ATM, and POS.

Cyberbank integrates Ocean Systems to effectively transfer funds between users, using FedLink tools and complying with US market regulations.

The integration of Ocean Systems and Cyberbank makes it possible to:

  • Make fund transfers between users in a secure environment, complying with current North American market regulations.
  • Dynamically offer a unified payment environment with different options through the channels required by users.
  • Process incoming and outgoing funds by means of notifications through Cyberbank’s channels, connecting services to FedLink’s payment platform and providing various payment methods to financial institutions.

Main benefits:

pay
  • Fedlink’s modular system allows banks to purchase modules separately or combine them to automate the specific requirements of the payment process. By integrating these modules within the Cyberbank Core system, institutions achieve a paperless and automated process for wires and internal transfers.
  • Fedlink complies with the search requirements mandated by IRS Record Keeping Regulations. All transfer requests, both internal and wire transfers. are quickly accessible through the use of queries.
  • The integration provides financial institution customers with different types of payments and transfers, which are made through the powerful front end and channels of Cyberbank Digital, designed to conform to the brand identity.

Key Features:

  • Integration: Posts in real time in the core banking system all monetary entries related to transactions and the corresponding fees for payments originated in the different channels and forms of payment made by users.
  • Reduce Service Times: Thresholds and Routing Rules enable payments from different sources to be instantly authorized and routed via direct connections to the Federal Reserve, SWIFT, and FX providers.
  • Compliance: All outgoing and incoming wires are validated for Travel Rule, international payment guidelines, then screened for OFAC and other sanction lists. Consumer payments are properly disclosed in accordance with Dodd Frank Regulation E, and Regulation DD.
  • Simplify: The user experience provided by Cyberbank Platform and FedLink allows originating payments by means of templates, bank lookups, auto fill on Receiver and Correspondent banks, and customer information. Automatic returns, and assignment of accounts on incoming wires. 
  • Eliminate mistakes: Outgoing wires are validated for possible duplicates. International wires are validated to conform with country specific rules, SWIFT, and Foreign Exchange providers to reduce returns from foreign beneficiary banks.

Oceans Systems enables:

  • Controlled authorization on wires, NSF, Overdrafts
  • Online interface for posting to customer and GL accounts
  • Repair of incoming wires with automated returns and DRWs
  • Quick preparation and validation of outgoing wires
  • OFAC / Watchlist screening
  • Validation for FRB, SWIFT, Travel Rule, and Country Payment Rules
  • Country Code derivation of all wire participants
  • Disclosure compliance of all wire regulations including Reg E
  • SWIFT and Correspondent Bank Straight-through Processing (STP)
  • Automatic daily ABA and OFAC downloads 
  • FedMail Notifications
  • Comprehensive Search and Extract of wire information
  • Operational and Management Reporting of Wire Operations

Okta

Okta was born in 2009 in the San Francisco Bay Area, USA, with the mission to create a system that allowed companies to provide identity. Okta Identity Cloud connects and protects the employees of many of the world’s largest companies. 

It also securely connects companies with their partners, suppliers and customers. With deep integrations into more than 5,000 applications, Okta Identity Cloud enables simple and secure access from any device, and helps customers securely manage and use their accounts and passwords.

Cyberbank integrates Okta to enhance the customer login module, adding Okta’s account and password management capabilities, so that every login process is covered and secured.

Okta’s integration with Cyberbank makes it possible to:

  • Manage access to Cyberbank’s mobile and web application accounts in a secure and user-friendly environment.
  • Use different types of security factors, managing passwords and codes of bank customers, safeguarding the accounts of each customer and avoiding fraud.
  • Use different security points that allow users to use their applications with total freedom, avoiding possible cyber-attacks.

Key Benefits:

  • Cyberbank, together with Okta, makes it possible to easily add a second factor of authentication, requiring each user to have access using strong passwords to ensure the protection of accounts against fraudulent access attempts. The system also enables multi-factor authentication to provide a higher level of security even if a user’s password has been compromised. 
  • The system allows Okta’s cloud-based authentication to be configured to give users high security but with simple-to-use factors, such as biometrics and push notifications.
  • The best password is no password. Cyberbank eliminates customer friction by using passwords in the customer authentication experience, using email credential links, factor sequencing or WebAuthn. Customers will be glad they don’t need to use passwords while being confident since their data is protected.

Key Features:

  • The system allows IT and security administrators to dictate strong user and password authentication policies to protect customer data.
  • Real-time syslog:
    • Financial institutions will be able to access a real-time syslog, so that IT administrators can troubleshoot security issues immediately. Using advanced searches to identify the time, date, time of event, location, or targets of any security incident.
  • Pre-made reports:
    • The system allows generating pre-made reports and data, which can be downloaded, synchronized and accessed in a wide variety of formats.
  • Centralized system of control: 
    • The system gives the IT team the possibility of  viewing, managing and securing access for all bank users.
  • Okta’s single sign-on solution can be quickly connected to and synchronized from any number of identity stores, including AD, LDAP, human resources systems, and other third-party identity providers.

Okta supports:

  • Regulations and Compliance:
    • CSA STAR, Federal Risk And Authorization Mgmt, State of New York Department of Financial Services Compliance, AICPA, HIPAA, U.S. Securities and Exchange Commission, PCI DSS, GDPR, and ISO 27.017.
  • Okta’s cloud-based single sign-on service makes all the connections from cloud to ground with over 1,400 SAML and OpenID Connect integrations, password storage, RADIUS and LDAP support, and connections to legacy third-party SSO solutions.
  • Okta is an SSO provider with a network of more than 7,000 preloaded integrations, which reduces building and maintenance times, and helps customers securely adopt and deploy SSO in cloud applications in weeks, not months. 

Daon

From Fairfax, Virginia, USA, Daon is an innovative company aimed at developing and deploying biometric authentication and identity assurance solutions worldwide.

It has been a pioneer in methods to combine, in a secure and practical way, biometric and identity capabilities through multiple channels with large-scale deployment covering payment verification, digital banking, wealth, insurance, telecommunications, border security, and critical infrastructure.

Daon X Identification platform provides a digital security experience that is inclusive and reliable; it enables the creation, authentication, and recovery of a user’s identity. In addition, it allows companies to make reliable transactions with any customer through any means.

Cyberbank integrates DAON allowing bank clients to access their accounts in a secure and personalized way. Every fingerprint or face biometrics is unique for each person. In other words, it is a personalized security system which safeguards the clients’ integrity; they are the only ones who can have access to their bank apps.

DAON integration with Cyberbank makes it possible to: 

  • Have agile and rapid access to web and mobile apps using biometric factors compatible with any device, according to the client’s preference. 
  • Manage and save users’ biometric data to complete high-level assurance actions, such as transactions, loans and other bank products.
  • Validate every client’s identity providing login credentials based on their biometric data.
  • Contrast identity credentials information with legal and governmental systems to validate identity.

Key benefits:

  • It increases efficiency when making transactions and having access to apps from any device used by the client, by means of biometric authentication methods without having to remember a password.
  • It helps to reduce the time spent to complete transactions on the application. Every client will be able to have access from anywhere at any time, to operate, check the account balance, among other actions.
  • The biometric authentication access is possible not only using a smartphone, Cyberbank and DAON’s financial integration enables every user to have access from computers or devices and have a socially responsible experience.

Key Features:

  • Cyberbank and DAON combine their clients’ identity authentication for account openings by means of biometric factors and identity cards data extraction, generating an overall authentication of users.
  • The integration enables a fluent user experience, since the screen views are similar and consistent with the services of mobile applications, browsers, ATMs, or devices used in bank branches.
  • Cyberbank’s platform allows using more than one authentication factor, according to the authentication rules of the financial institution. The latter will be able to choose the quantity and types of authentication factors that will be necessary for its transactions flow.
  • The user interface is totally customizable, according to the rules and features of the financial institution brand. The continuous improvement process provided by Cyberbank allows working on the design aligned with the business needs.

DAON helps to:

  • Provide different biometric authentication methods:
    • Selfies to be compared with identity cards    
    • Fingerprints
    • Voice commands
    • Patterns, passwords, and PIN
    • Crypto passwords
    • Iris verification biometrics
    • Face ID
  • Comply with the standards to work with FIDO and UAF certified devices.
  • Comply with global standards, since DAON complies with:
    • ISO 27001
    • ISO 27018
    • ISO 27701
    • Level 1 ISO 30107-3

Heap.io

Heap starts working in 2013 in San Francisco, California, USA, aimed at boosting business decisions by means of data analysis tools, so that they can make important decisions, focused on the business crucial needs.

Heap helps financial institutions to better know their clients according to their behavior and decision making. The software automatically collects, organizes, analyzes, and relates the client’s data to create more valuable products and experiences. 

Cyberbank integrates Heap in the platform to understand the client behavior in the web and mobile applications, and to get relevant data for the continuous improvement of the client journey.

Heap.io integration with Cyberbank makes it possible to:

  • Deeply understand and monitor the overall use of web and mobile applications to find out key issues, aimed at improving the flow and user experience.
  • Make decisions according to the data reflecting when the clients start using bank products.
  • Create and constantly improve a holistic user-friendly interface based on real needs.
  • Continually Interpret the user behavior, adapting the platform to constant changes and requirements of current users. 

Key Benefits:

  • Integrating Heap, Cyberbank strengthens its capabilities of products and processes flow analysis. It increases the ability to solve problems identified in the platform by means of data processing. This allows identifying exactly where it is necessary to make improvements, to create a solid and user-friendly platform.
  • To create client-oriented products, it is necessary to have an overall view of their behavior. Thus, Cyberbank uses the data arising from the applications and revealing crucial information for financial institutions to create client journeys which satisfy their clients’ needs.
  • The system is user-friendly, it is not necessary to have technical knowledge about data analysis. Together with Heap and Cyberbank, everybody can contribute to generating knowledge based on data.

Key Features:

  • Heap builds databases to obtain clear data matrices that are easy to be used: 
    • Heap Capture automates data collection and enriches it together with Cyberbank to cpen a complete visibility in the client journey.
    • Heap Data Engine guarantees the use of clear, organized and usable data, to improve agile strategies, boosting the continuous evolution of the bank platform.
  • Heap Insights is a module based on data science that allows getting results completely based on data about the platform use, therefore, it unveils hidden knowledge.
  • The platform is designed to generate dashboards that interpret the results of data analysis and allow focusing on decision making on the basis of the discoveries made.

Heap.io helps to:

  • Have access to the overall historical data record. 
  • Add new behaviors without relying on engineering (Web, iOS, Android).
  • Track users through devices, platforms and channels.
  • Have data enriched from third-party sources (A/B tests, CRM, email).
  • Audit, verify, and modify behaviors/events.
  • Automatically merge anonymous behavior with the identified.
  • Have access to reports in real time.
  • Automated ETL (Extract, Transform, Load)

DocuSign

From San Francisco, USA, DocuSign was set up in 2003 aimed at creating a platform to manage electronic signatures based on the cloud, helping small and medium-sized companies, and individuals to gather information, automate data workflows and log in to different devices.

The organization platform automates manual paper-based processes, allowing the users to manage different aspects of documented transactions, including identity management, authentication, digital signature, forms and data collection, collaboration and automation, and workflow storage.

Cyberbank integrates DocuSign to complete the digital onboarding cycle, delivering a complete solution from beginning to end, complying with high-level standards required by current bank clients. The integration of both platforms enables clients to save time, having access to the banking environment more rapidly.

DocuSign integration with Cyberbank makes it possible to:

  • Generate and send documents which are easy to design, to gather the signatures of users and sales agents for the acquisition of banking products.
  • Provide an onboarding process complying with the current standards worldwide, making it easier for users to read and sign documents to enter the bank.
  • Make a follow up of the signing process through push notifications with reminders to have access to the documents and sign them.
  • Manage contract lifecycle so that the financial institution can create, supervise, and manage contracts totally digitally. The aim is to automate processes that used to take a lot of time.
  • Analyze every contract by means of artificial intelligence, contrasting them with the policies and internal rules of the bank. In addition, it is estimated when product regulations or features are missing, in such a case, the risk is reduced and the user experience improved.

Key Benefits:

  • DocuSign integration with Cyberbank helps deliver a user-friendly experience. It takes less time for the client to read and sign the contract, and it is not necessary to sign sheets or even visit the bank in person.
  • Every document or contract can be personalized. It is possible to specify where to sign, who must sign, and add all the terms previously analyzed by the artificial intelligence system, providing risk-free documentation that is easy to be signed.
  • Cyberbank is a platform characterized by its flexibility and uniqueness. As well as with DocuSign, it is possible to embed services through integrations with other platforms such as Salesforce, Google Suite, Microsoft, Oracle, and others.
  • Cyberbank, together with DocuSign, allows creating workflows which automate bureaucratic and physical processes, turning them into a friendly digital experience. Thus, now each stage of the process of signing up for financial products and banking services takes less time.

Key Features:

  • Cyberbank and DocuSign have multi-device features. They can be used in tablets, computers, and smartphones.
  • The system works and responds perfectly in every device. Its responsive view adapts to any screen according to the user preferences.
  • Every document can be edited under the requirements and needs of the financial institution. They can add their own logos, watermarks, colors, seals, and contents.
  • Easy way of sending documents through the Cyberbank Digital app, email, and other channels.
  • Signature status visualization, and the option of sending reminders.
  • The system allows executing electronic agreements that include admissible audit in court.
  • The contract lifecycle management platform allows automating workflows, creating agreements once they have been revised and accepted by the stakeholders.

DocuSign provides:

  • Different available services to be used simultaneously:
    • Electronic signature
    • Contract lifecycle management
    • Documentation generator
    • Contract negotiation
    • Contract analysis
    • Payments
    • Guided forms
    • Clickwrap contracts
    • Electronic notarization
  • Support in 43 languages. 
  • The possibility of storing the most frequently used documents to be used as templates for new contracts.
  • Integration capability through APIs.
  • Security assurance in the site 24 hours a day under strict access control. It complies with the industry recognized standards, such as SOC 1, SOC 2 e ISO 27001.

Nosis

Founded in 1998, Nosis is a credit risk information system based in Buenos Aires, Argentina. It specializes in providing financial information services, business development services, and marketing solutions. 

Thanks to continuous innovation and constant adoption of new analytical techniques, Nosis is currently positioned as one of the leading companies in commercial background, international trade, and marketing services information that make decision-making easier.

Cyberbank integrates Nosis to perform credit risk validations with regard to banking customers. In this way, users are allowed or not to access credit, open accounts, and use other capabilities offered by the bank and Cyberbank. In addition, this integration allows users to download their credit report and display the PDF on screen, thus allowing sales agents to access the following information: Cardholder, Secondary Cardholder, Cardholder’s Spouse or Secondary Cardholder’s Spouse. 

Other advantages and benefits of the integration with Nosis are:

  • Integration via API:  Nosis can be connected to other systems, allowing users to access their management system. Here, users can select from 500 different individual and company data or the combination that best suits their business needs.
  • Identity validation: Nosis prevents loss due to fraud in online or face-to-face transactions by using an “Identity Validator” by means of configurable questions.