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Bacen

The Central Bank of Brazil was founded in Brasilia and has been operating since 1965. The bank is in charge of regulating and auditing the banking sector, as well as controlling monetary policies, financial relations with foreign countries; organizing, regulating, and supervising the National Financial System (SFN), and managing the Brazilian payment service (SPB), among other duties.

Cyberbank meets the requirements to support, obtain, and use regulatory reports from the Central Bank of Brazil in order to manage credit risk analysis and perform other functions. These documents and reports include:

CADOC 3040: This report provides data for individualized credit analysis that considers all the information required to generate a credit based on the customer’s credit history for future approval or rejection.

Document 3050:  The purpose of this document is to specify credit and leasing information on the part of the customer.

Document 5816: This document gathers information about users’ credit and debit cards.

CCS: The National Financial System Customer Registry (CCS) is a system that registers the roster of financial institutions and other entities authorized by the Central Bank which have a relationship with the customer (such as current, savings, and investment accounts).

Support with SISBAJUD/BacenJud: BacenJud is a system that interconnects the Judicial sector to the Central Bank and financial institutions, to speed up the request for information and the delivery of court orders to the National Financial System, via the Internet.  

Notice 2682: The documentation requested with this document allows compliance with the regulations established by the Central Bank of Brazil, whose resolution and purpose are to prevent false and unverifiable information from being entered.

With Cyberbank, your financial institution will comply with the necessary information requirements, in line with the latest regulations in force.

Uplexis

Coming from São Paulo, Brazil, Uplexis specializes in emerging technologies to analyze and interpret large data volumes extracted from the Web and other knowledge bases. Its mission is to provide intelligence for business operations where relevant information plays a critical role in decision-making, generating competitive advantages and improving organizational efficiency.

In a scenario where fraud is recurrent, the search for information that prevents this type of activities becomes crucial. Thanks to the Uplexis anti-fraud platform, banks can prevent and mitigate risks, recover important assets, and perform automated credit analyses by crossing data from different information sources.

The benefits of Uplexis anti-fraud platform include:

Dossiers: It allows financial institutions to obtain detailed and customized reports with information and indicators from different credit risk information sources.

Simplified registration form: When a new user logs in, a simplified report containing registration data, financial issues, and key indicators is displayed for fast decision-making.  

Identity validator: The system validates each user identity by checking their respective ID card.

Uplink: This is a powerful solution to graphically visualize direct and indirect links among users, companies, and complex economic groups. By using this tool, you can monitor the relationships between partners, legal representatives, family members, neighbors, and related parties. You can also identify the final beneficiary, politically exposed persons (PEP), and financial issues, in order to mitigate any conflicts of interest.

Uplexis is in charge of delivering key information issued through the Cyberbank platform for a joint work with REE (Risk Evaluation Engine), which is the microservice in charge of formulating our Self-Defending Banking.

Salesforce

Salesforce  is a global cloud computing company that provides business software to banking and other industries. Famous for its Customer Relationship Management (CRM) systems, it offers financial institutions the ability to better understand their customers through personalized interactions with each user.

The integration of Cyberbank and Salesforce generates a range of functionalities for users through the Web and Mobile platforms provided by Technisys. It makes it possible to manage and analyze customer interactions, anticipate needs and desires, optimize profitability, increase sales, and customize campaigns to attract new customers. 

The integration of Salesforce into Cyberbank allows:

  • Generating personalized customer service experiences: Sales agents can make better decisions to sell financial products based on the data provided by Cyberbank and processed by Salesforce.
  • Interacting with each customer through all channels generated by Cyberbank.
  • Enhancing Cyberbank’s marketing campaign system to more efficiently meet customers’ needs and offer them products tailored to such needs.

Key Benefits:

  • It streamlines customer relations: The automation of processes makes it possible to offer services to increase the daily productivity of financial institutions.
  • It provides an intelligent platform: Cyberbank and CRM work together to enable the collection of resources through which customer data is processed and interpreted. In addition, the platform provides up-to-date information on the progress of users at different stages, boosting the efforts of marketing, sales and customer service teams. 
  • It simplifies customer service through CRM created for banking. It allows financial institutions to generate ad-hoc strategies based on understanding the customer’s journey through channels and services. Satisfaction levels are increased from onboarding through each solution presented to the customer.

Key Features:

  • It centralizes all relevant information obtained from Cyberbank, allowing the agile use of information.
  • By means of the use of applications, the platform configures push notifications to start the sales process with offers created especially for each user.
  • Behavioral understanding service based on Artificial Intelligence (AI), which is increasingly assertive as it learns according to the user’s experience.
  • The platform allows collecting every task to be performed during the day for the sales agents. The information of each user is stored for personalized attention so that the interests and needs of the customers are analyzed.

Salesforce enables:

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  • Empowering sales teams to work focused on the customer.
  • Facilitating marketing teams’ work, delivering campaigns according to each customer.
  • Easily integrating into the platform through the use of Rest API.
  • Creating simple, seamless business experiences that help increase revenue, engage customers, and connect commerce to the rest of the business.
  • Providing consistent, personalized support in every customer interaction by automating services, including AI-powered chatbots.

PIX

Powered by the Central Bank of Brazil, PIX is an instant payment system where funds are transferred between accounts within seconds and at any time of the day.

Cyberbank integrates PIX payments to enable a faster and more flexible user experience for day-to-day customer transfers.

The integration of PIX into Cyberbank allows: 

  • Generating payments via static and dynamic QR code for payments and money collections.
  • Using registration in DICT (Diretório de Identificadores de Contas Transacionais) to use telephone numbers to make transfers.
  • Integrating the PIX interface within Cyberbank, which allows payment at retail partners and access to all capabilities that are inserted for Internet banking.

Key Benefits:

  • It boosts the efficiency of payment methods, increasing the feeling of customer satisfaction.
  • Costs are reduced, increasing security and improving customer experience.
  • The integration enables finance to be included into sectors previously unreached by banking.
  • PIX at Cyberbank allows users to offer a payment system that matches the speed currently demanded by customers.

Key Features:

  • 24/7 availability every day of the week, including holidays.
  • It is a cost-effective system that does not involve fees for users making transfers.
  • PIX Payments allows interbank payment and transfer.
  • The payment security system is reinforced by Cyberbank’s self-defending bank initiative, securing every transaction processed.
  • All critical information for reconciliation may be submitted along with the payment order, thus making process automation and payment reconciliation easier.

PIX supports:

  • Transfers between individuals, government entities, and companies.
  • Transfers between checking, savings, and prepaid accounts.
  • Use of iOS and Android mobile devices with camera access for QR code capturing.
  • Generation of unique DICT code for each user.
  • Payment in commercial establishments, including physical stores and e-commerce. 
  • Payment of service providers; intercompany payment, such as supplier payments, for example; collection of revenues from Federal Public Organizations such as fees (court costs, passport issuance, etc.), public real estate rents, administrative and educational services, fines, among others (these collections may be made through PagTesouro).
  • Payment of utility bills, such as electricity, telecommunications (cell phone, Internet, cable TV, landline phone) and water supply.

Crivo

Crivo was founded in Brazil in 2000 with the mission of developing a credit risk software that allows its users to make a decision in less than three seconds while accessing more than 600 different information sources.

Cyberbank integrates Crivo to provide a user verification system, which based on the user profile allows making strategic decisions to offer products and approve or reject credits, visualizing which the risk factors are based on the consultation sources offered by Crivo.

The integration of Cyberbank and Crivo allows: 

  • Performing credit analyses through the Cyberbank platform, accessing reports that are contrasted from different banking and non-banking sources, allowing a continuous credit approval or rejection flow.
  • The system is visibly executed by the financial institution sales agent, and the information recorded on screen can be processed and sent to the fraud detection systems available, thus preventing potential issues.
  • Having available all the channels offered by Cyberbank to financial institutions, in order to conduct customer analysis.
  • Based on customer registration, Cyberbank’s comprehensive platform can contribute to creating marketing strategies and campaigns to offer solutions and products according to the user profile.

Key Benefits:

  • Financial institutions can create, test, and apply business strategies using algorithms as decision trees and statistical models that enhance customer outreach.
  • The integration transforms information into actions, taking advantage of multiple data sources access.
  • The platform improves processes, simplifying stages and making them more cost-effective and efficient.
  • The system helps improve decision-making, minimizing risks and making each operation profitability viable. 
  • Data can be extracted for report analysis and access control, guaranteeing an optimal control and protecting customer information from leaks. 
  • Like Cyberbank, Crivo is prepared to adjust to financial institutions’ rules and processes,  in order to shape an agile risk management.

Key Features:

  • The system allows searching information from external and non-banking sources to compare reports.
  • The system allows using internal banking data.
  • The integration enables flexible business rules and strategies parameterization.
  • The system is a controlled environment where all the information is perfectly protected so as not to harm users.
  • Any information used is auditable to ensure the transparency for the system and the financial institution.

Crivo helps in and supports:

  • Finding credit information from more than 600 paid and free sources.
  • Protecting information through a proven, efficient firewall.
  • The system is supported on tablets, computers, and smartphones.
  • It can be used in point-of-sales and digital channels.

Globokas

Globokas was founded in Peru in 2007 with the mission of collecting payments from financial institutions and other services in only one place, generating a network of payment points throughout Peru, focusing on empowering people and businesses to be Globokas and KasNet network agents, and accepting payments into and withdrawals from major banks, savings banks, and other financial institutions.

Cyberbank integrates Globokas to enhance the payment and collection system of the financial entities in the network. This allows streamlining and reducing costs, benefiting users with payment offers, which can be parameterized by each institution.

The main features of the system are:

  • Access to real-time monitoring of all operations performed on the network.
  • Detail of the operations carried out through each channel.
  • Access to omnichannel collections, via Web, Mobile, and physical environments.
  • Download of reports and transaction movements.
  • Simple reconciliation and invoicing processes.
  • Management of a unique security key effective for 1 hour.
  • Automatic logout when the application shows no activity.

BulkSMS

BulkSMS is a platform that provides SMS messaging services. Launched on the market in 2000, it develops application-to-person (A2P) messaging services to large and small businesses, public benefit organizations, and individuals. Today it is present in more than 200 countries and has an impact worldwide

Cyberbank integrates BulkSMS through APIs to send messages and notifications to users about their personal or financial institution information.

In terms of features, BulkSMS includes the following capabilities:

  • It works under any business flow needed by the Financial Institution to send push notifications, alerts, security keys, and more. 
  • It integrates with any channel to perform SMS messaging.
  • It has the ability to attach PDF, JPEG, and other formats to each message, and to send calendars, product or service offers available to each user.
  • The messages sent can be configured to include the name of the sender. It allows users to choose the name of the financial institution instead of an unknown number, thus generating greater closeness and trust.
  • The system allows automating responses to the messages sent by users.
  • The financial institutions can easily access the messaging log by downloading delivery reports.

Video: https://youtu.be/48VmGjX5wNY

Autbank

Founded in São Paulo, Brazil, in 1988, Autbank has developed, throughout its history, digital banking solutions that positively impact the financial sector, serving banks, credit unions, micro-credit organizations, investment banks, and other institutions. Autbank is supported by a team of experts in Technology, Financial Market, and Deployment Projects to carry out its activities following the principles of creativity, security, and quality.

Cyberbank integrates Autbank to manage and perform accounting and management activities in the Brazilian payment system (SPB). Here are the most remarkable functionalities of the solution:

CIP Messaging: Autbank is integrated to work together with the Interbank Payments Chamber (CIP), which operates as a clearing house validating user data for security assurance and identity validation.

Contract Management: Autbank allows financial institutions to manage each user’s accounts payable, validating expiration dates, renewals, and readjustments for each contract.

Account Management: Together with Cyberbank, Autbank allows managing essential utilities accounts such as electricity, water, gas, and others, so users can make their payments by concentrating the solution in just one place.

Cash Management: Autbank monitors each Institution flows, displaying the balance at the beginning of the day, cash-ins, cash-outs, and current balance. It then shares the information with the systems and allows understanding the reserve movements.

Treasury: In a decentralized way, Autbank allows requisition of payment requests issuing documents, administrative checks, real-time settlement via Central Bank messaging (STR) or Interbank Payments Chamber (CIP), and payment for compensation and credit in current accounts. It also enables the transfer between accounts, managing inflows and outflows, reconciling undue credits and facilitating their regularization.

Renaper

The RENAPER is the state agency that carries out the identification and registration of people living in Argentina.. The institution maintains a permanent and up-to-date register of people’s most important backgrounds, from birth and through the different stages of their lives, protecting the right to identity.

Based on technological and digital development, Cyberbank integrates the Digital Identity System (SID) of RENAPER to manage the remote validation of a person’s identity data, in real time, through biometric authentication factors (facial recognition), and photograph of the national identity document (DNI).

The integration of Cyberbank and RENAPER, can enhance a frictionless experience for the customer when they open an  account, and also supports:

  • Take pictures of the front and back of the document of people and the document processing number,.
  • Take a selfie photo as proof of life.
  • Evaluate the photographs of the document and establish a percentage of veracity of the same. Then make the query to the facial biometrics service of RENAPER, to obtain the final validation of the identity validation process of the person..

The RENAPER system also has the following technical security features:

  • Application-level, layer 7 firewall.
  • Information stored in databases encrypted by the AES256 algorithm.
  • Validation of consumer legitimacy from the API, using API Keys.
  • Network-level communications are performed over HTTPS TLS 1.2 channels.
  • Connectivity between Azure and RENAPER secured by an Ipsec-type VPN tunnel.

Facephi

Facephi is a company founded in 2012 in Alicante, Spain. Specialized in biometrics and identity identification, it is a leading company with a presence in more than 25 countries.

Cyberbank integrates Facephi to complete the digital onboarding cycle from end to end, allowing each user to open banking accounts quickly, easily and securely, protecting the identity of each user and avoiding fraud.

The integration of Facephi with Technisys allows:

  • Improve the end user experience in Cyberbank in the processes for creation of customers and new bank accounts, validating the identity of each person through the integration with SelphID, capturing the ID document and a selfie, to complete the onboarding cycle at a vital point.
  • Validate the identity of live users, using real-time life tests.
  • Facilitate the login process in mobile channels, through facial recognition.

Key benefits:

  • Creation and opening of accounts quickly and securely.
  • Proof of life through mobile or web devices that protect users.
  • Delivery of a complete digital onboarding process.
  • Video recognition allows banks to save the biometric information of each user, and then with no need for more than a selfie to login the app.

Main Features:

  • Opening bank accounts capturing ID document and selfie.
  • SelphID uses the best Optical Character Recognition (OCR) system.
  • Facial comparison between ID document and selfie.
  • Contrast of information with government databases.
  • Verification of document morphology to avoid fraud.
  • Encrypted and tokenized pattern.
  • Detector of photographs and videos.
  • Compatibility with all documents and passports.

Facephi also allows:

  • Integration through SDK.
  • Supports the capture process through desktop, web and mobile apps.
  • Supports use of webcam and mobile device camera.

Are you ready to Differentiate?

Contact us today and find out how we can help you go beyond digital banking and become an integral part of your customers' lives.

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