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Dynamic Yield

Founded in 2011 in New York, USA, Dynamic Yield helps banks quickly deliver and test personalized, optimized and synchronized digital interactions from customers. Marketing, product, development and e-commerce teams from more than 350 global companies are using Dynamic Yield’s experience optimization platform as a technological layer at the top of existing CMS or Commerce solutions.

Dynamic Yield is presented as a solution to generate personalized marketing campaigns, which fit the needs of the business and each client.

Some of the key features in Dynamic Yield are:

Customer segmentation: allows banks and financial institutions to capture and analyze key data about anonymous and known visitors, using them to establish deeper relationships with each customer based on affinity, traits, current interests, previous behavior and more.

Personalization and targeting: experience personalization capabilities allow banks and financial institutions to attract and retain customers, responding to the behaviors, attitudes and needs of each customer with a more meaningful, relevant and valuable real-time personalization for existing and potential banking users.

Testing and optimization: through this tool banks and financial institutions can optimize the impact of their marketing strategies, allowing access to test, optimize and continuously adapt customer experiences to offer services, products and offers based on relevant information.

Behavioral messaging: a key capability from the integration between Dynamic Yield and Cyberbank is the orchestration of strategies for generating different marketing messages across multiple touchpoints; engaging customers with targeted notifications and overlapping messages to inform them about a wide variety of financial products or any other information, encouraging them to make immediate decisions.

Triggering system: a key benefit provided by this integration is the construction of long-term relationships with the customer, beyond the web experience. The system automates the sending of trigger marketing emails in a timely manner, as well as push notifications based on behaviors and needs captured in real time.

Interac

Interac is a Canadian company, founded in 1984 and a leader in the market, which generates payments through debit cards. The company is responsible for the development and operations of the Interac network, a national payments network that allows Canadians to access their money at ATMs through the Interac Cash service and at point-of-sale terminals across Canada through the Interac Debit service. Interac Debit also includes Interac Flash, a secure contactless payment method that allows Canadians to pay for items instantly by exposing their cards in front of Interac Flash readers at multiple points of sale in the country.

Interac integrates with Cyberbank to provide electronic payment services. Interac e-transfer has the following capabilities:

Auto-deposit transfers: through homebanking, customers can register in the Interact e-transfer system and attach their emails to a bank account, allowing customers to send and receive money only using emails, saving time and energy in a practical and safe way.

International money transfer: Interac works with Mastercard and Western Union, allowing customers to send money to any corner of the world.

Life is simpler: with Interac, each customer can easily manage the sending and receiving of money by simply using the email or phone number of the third party to whom they wish to send.

Glia

Founded in 2012, (and formerly SaleMove), Glia enables companies to deliver an in-person customer experience online. Through Glia, companies can identify and engage their highest-value web visitors through video, voice, chat, and co-browsing to increase online conversions and improve customer support.

Financial institutions like banks, credit unions, and insurance companies are mostly customer-focused, and are among Glia’s best clients. These institutions are committed to providing outstanding service, and their users increasingly prefer to conduct business online.

Within its product portfolio, Glia offers co-browsing capabilities, a method of screen sharing characterized by the simultaneous browsing of a single webpage by two or more individuals in real-time. 

Whether on its own, or coupled with other mediums of visual engagement, like video chat, CoBrowsing provides rich visual context, which creates a deeper level of engagement and more successful online sales and support conversations.

Key Benefits:

  • Increase Online Conversion: innovative organizations began to experiment with CoBrowsing as a tool to increase online sales and conversions.
  • Improve Next Issue Avoidance: with CoBrowse technology, an agent can simply show the customer where to navigate, reducing the customer confusion or mistakes that can lead to additional time to resolve issues.
  • Exceed Customer Expectations: co-browsings allows to decrease average handle time (AHT) and improve customer satisfaction (CSAT) in customer support.

Key Features:

  • Resolve customer issues faster: co-browsing provides valuable visual context and allows organizations to “show” not just to “tell” – leading to decreased average handle time and more satisfied customers.
  • Observe customer issues in real-time: leveraging co-browsing’s “Observation” mode, organizations can see customer issues before the customer engagement even begins.
  • Add a new dimension to inbound phone calls: Glia’s standalone CoBrowsing solution, allows companies to marry inbound support calls with the web browsing sessions those calls originated from.
  • Plug the leaks in organization’s online funnels: complex transactions or lengthy forms often provide customers with numerous exit opportunities. Co-browsing allows organizations to guide customers through these drop-off points, increasing conversion significantly.

FICO

Founded in 1956 in San Jose, California, FICO also known as Fair Isaac Corporation Offers, provides products and services that enable companies to automate, improve and connect decisions to drive business performance. The system offers software and analytical tools for banking that manage risks, combat fraud, build more beneficial relationships with customers, optimize operations, and comply with strict government regulations.

The FICO system offers capabilities for:

Identity and authentication: integration with FICO allows customers to open accounts and be able to authenticate on each subsequent interaction in order to prevent identity fraud and ensure identity authentication, preventing account theft and identity theft.

Payment fraud: Provided with artificial intelligence and using machine learning, the tools developed by FICO intuitively classify legitimate and fraudulent financial transactions, while recognizing individual consumer behavior preferences for a convenient and secure experience, analyzing payment types from Wire (SWIFT, Clearing house) to real-time payments (PIX, SEPA, UK faster Payments).

Anti-money laundering: FICO powers Anti-Money Laundering (AML) banking programs with a full suite of built applications that improve the accuracy of banks decisions with advanced machine learning, leveraging the right data at the right time. Lower total cost of ownership with efficiency and improvements in all aspects of compliance, as well as integrations with digital identity, fraud, and credit risk solutions.

Fraud alerts: FICO is a platform that has omnichannel communication capabilities with bank customers. Using tools based on machine learning and artificial intelligence, decisions and alerts are issued based on behavioral data.

Carta Worldwide

In 2008, Carta Worldwide, an award-winning leader in the development of mobile payment technologies such as Host Card Emulation (HCE), Cloud-Based Secure Element and advanced Tokenization, was founded. As a third-party processor certified with MasterCard and Visa, and in compliance with the PCI-DSS security standard, Carta offers end-to-end transaction solutions that provide the highest level of security and reliability, with faster time to market, with greater control and lower total cost of ownership.

Carta’s solutions are specifically designed to meet the complex demands of the modern payments environment. Carta provides a scalable solution that increases both control and optimal system configuration, along with open development tools that provide unlimited potential.

Carta is a flexible, adaptable and scalable platform that enhances basic financial services and allows banks and financial institutions to create innovative payment products:

  • Real-time
  • With transaction control
  • Rule-based 
  • Fast and agile
  • Ready to develop 

Comprehensive card issuance and management system:

The Carta platform delivers services that enable card management, authorization, clearing and settlement, customer services, reporting and risk management. Carta promotes a wide range of consumer, corporate and customized solutions that include:

  • EMV – Contact and contactless cards.
  • Digital account solutions
  • Prepaid, GPR (General Purpose Reloadable) Gift and other services
  • Debits and decoupled debit cards
  • Restricted authorization network
  • Multi-currency and F/X support
  • Solutions of brands and private shops.

Braze

Braze is a customer engagement platform that powers relevant and memorable experiences between consumers and the companies they use and prefer. Braze aims to take the context data of every interaction, to help banks foster human connection with consumers through interactive conversations across channels that deliver value quickly and continuously. The company was named a Leader in Forrester’s 2020 Mobile Engagement Automation Wave™ report. 

Braze provides digital capabilities to deliver personalized messages at key moments during the customer journey, to drive engagement and increase transactions.

Key Benefits:

  • Understand customer insights to make every message relevant.
  • Build dynamic audiences with real-time data and real-world context that change as your users do.
  • Easily mix and match Canvas components to create simple yet powerful cross-channel journeys. Plus, built-in A/B testing tools make it easy to optimize as you go.
  • Braze has all the tools you need to personalize by channel, send time, copy, and more.

Braze supports in-app and in-browser messaging capabilities, to help banks to capture customer attention with interactive messages delivered right in their apps or on their website.

In-app messaging enables banks to surface news, updates, and other information when consumers are most open to hearing it — while using the bank’s app or visiting their website. Some of the most effective uses of this feature include:

  • Email or phone number capture.
  • Onboarding and education.
  • Deals and promotions.
  • New feature alerts.
  • App review requests.
  • Milestone messaging.
  • Product recommendations.
  • Next best action messaging.

Braze also provides Braze Email, a tool to build effective emails for a mobile-first audience across the customer lifecycle. Through Braze Email banks can:

  • Makes one-to-one and one-to-many personalization effortless, taking advantage of live customer profiles and campaign interaction data, and leveraging intuitive composition tools to enrich messages with first- and third-party data.
  • Test easily a range of options, from subject line to template, send time to target audience. AI tools can select and serve the winning variants for continuous optimization, and instant performance views help banks tailor their email program for success.

eCollect

From Bogotá, Colombia, eCollect is the most complete payment solution for invoice collection, sale of services and payment gateway, which adapts to all types of companies and e-commerce models in Latin America. Certified by leading credit card issuers and ACH processors, eCollect helps financial institutions offer their customers secure and efficient online payment methods. 

The main features offered by the solution include:

Payment reconciliations: eCollect allows banks and financial institutions to make customizations that perfectly fit the relevant business requirements, so that each financial institution can decide how they want to generate payment reconciliation.

Integration with payment methods: A single integration allows and helps banks reconcile payments with cash, credit cards, ACH and e-wallets.

Multi-channel: eCollect allows to process collections through financial institutions, online payments, non-bank correspondents, giving each customer a wide range of options to make payments.

Efficiency and customer satisfaction: by automating the payment reconciliation process, banks can save large operating costs, increasing efficiency and customer satisfaction.
Security: eCollect supports PCI DSS v.3.2.1, giving banks and their customers a secure environment for payments.

Zendesk

From San Francisco, United States, and founded in 2007, Zendesk is a customer service platform that develops software to empower organizations and customer relationships. It helps companies to better understand their customers and improve customer engagement. Zendesk products are easy to use and implement. They give organizations the flexibility to move quickly, focus on innovation, and scale with their growth.

Cyberbank Digital Platform can be integrated with the chat service of Zendesk’s instant messaging platform designed for Banks, offering a real-time support mechanism to app and web channel users.

The integration of Zendesk and Cyberbank can help: 

  • Provide Chat Capabilities, allowing banks to manage real-time messaging between customers and agents.
  • Deliver Widget script, which allows: 
    • Get JS libraries to render chat contents. 
    • Maintain the thread between the user and the Zendesk Chat agent.
  • Gather all banking data in one place. With Zendesk and Cyberbank all user’s data is gathered in just one space, allowing support teams to possess the information needed to provide more assertive responses that satisfy users needs.

Key Benefits:

  • Zendesk Chat provides the flexibility to have live chats in real-time and ongoing conversations.
  • The solution provides adapted answers with AI mechanisms which match articles in the bank database that were automatically sent to the requester. 
  • Provide a full conversation history at all times.
  • Available through the Zendesk Suite, messaging gives teams the benefits of live chat software and more.
  • Deliver rich conversational experiences that are connected across web, mobile or social apps.

Key Features:

  • Convenience: Banks can have continuous conversation across all channels, so users never have to repeat themselves.
  • Speed & Agility: The solution can help customers to be more independent using bots and integrations, letting agents jump in only when it’s necessary.
  • Customization: The software uses customer data to create rich, interactive conversations that are tailored to their needs.

Zendesk can support:

  • Request tracking, message response, thread history query.
  • Real-time monitoring: traffic analysis, response times, attention assessment.
  • Self administration of agents and departments (attention areas). 
  • Generation of incident tickets.
  • Message assignment settings (per queue, or auto-mapping).
  • Configuration of automatic answers and abbreviated methods.
  • 365/24/7 contact centre across various channels including live chat on desktop and in-app live chat for mobile.

Ensenta

Founded in 2001, Ensenta is pioneer of innovative enterprise-wide, real time SaaS solutions for mobile and online payments and deposits. Their Smarter & Safer™ payment technologies not only mitigate risk, they minimize compliance exposure, increase back office efficiencies, and improve funds availability for consumers and businesses.

Cyberbank integrates Ensenta to safely capture and process check deposits via mobile apps, ensuring for these deposits a complete and effective life cycle.

The integration of Ensenta and Cyberbank can help:

  • Ensure an optimized check validation.
  • Deliver digital depositing tools that allow customers to gain time from remote banking.
  • Ensenta delivers a fully customizable product, just as Cyberbank’s focus is on giving the best user experience, guiding the user through the process to make it user-friendly.
  • Secure mobile deposits under the regulations and compliance relevant to the region in which it is used.

Key Benefits:

  • Provide secured mobile deposits with identity verification.
  • Be 100% digital remote banking with no personal visits required.
  • Be available for every device wanted (laptop, mobile and tablet).
  • Be 100% paperless with no paper forms or contracts to sign.

Key Features:

  • Interactive real time messaging to help users correct and complete deposits.
  • Check amounts are automatically read and totals are balanced. 
  • Checks can be edited or deleted in the same session without starting the deposit over.
  • Multicheck deposits can be real. With Ensenta and Cyberbank users can simply place the front of the first check under the camera, flip to the back, and repeat for each additional check.
  • Endorsement detection: detects the presence of an endorsement on the back of a check.
  • CAR/LAR matching: Courtesy Amount Recognition and Legal amount Recognition, ensures the numerical and the written amounts match.
  • Front and back matching: this feature leverages Harland Clarke PhotoSafe checks.
  • Immediate validation of Magnetic Ink Character recognition code, known in short as MICR code.
  • Enhanced Analytics are available for reporting and audience.
  • Manage risk with 200+ risk filters, Smart Limits™, Smart Holds™, roles and entitlements, duplicate detection, and calls to 3rd party risk services to see if the account is open or closed.

Ensenta can support:

  • IOs and Android devices.
  • API centric model features real time connectivity.
  • Ensenta adapts seamlessly to the capabilities of the device camera, using the auto-focus and automatically using the torch/flash mechanism to aid the end user in capturing a more usable document.
  • Video auto-capture mode uses the device’s (camera or webcam) video-stream to acquire images for initial analysis on the device. This analysis identifies a document by locating its corners, making sure the entire document is visible, in focus, and appropriately rectangular based on the input parameters established.
  • Ensenta provides an easy solution for high volume business deposits by supporting industry leading check scanners including Canon, Digital Check, Panini, Burroughs, Epson, and RDM.

CedarCX

From Atlanta, United States, Cedar CX provides integrated customer communication and digital servicing platform delivered as a hosted managed service. The main focus of the solution is to improve customer experience, lower costs, manage compliance and deliver a truly personalized omnichannel servicing experience that enables customers to communicate with their bank when, where, and how they prefer. 

The integration of Cyberbank and CedarCX brings user experience management to the next level, where CedarCX communication management tools are combined with Technisys continuous improvement framework that combines agile development and UX improvement focused on people.  

The integration of CedarCX and Cyberbank can help: 

  • Enhance Customer Experience: Focused on the user experience, communication is a crucial tool in the development of better digital journeys. At this point, CedarCX is responsible for collecting crucial information to understand the use of the Cyberbank platform by users, which streamlines the management of improvements in continuous development. 
  • Enable Multi-Layered Governance:
    • Single source archive for all communications.
    • Multi-tier review and approval workflows for content changes.
    • Communication template version tracking.
    • End-to-end job tracking dashboards and reporting.
    • Email and SMS delivery tracking.
    • Change ticketing and complaints tracking.
    • Segregated access for user groups and user roles.
    • Data masking and PII (Personally Identifiable Information) protection.
    • Certified third-party audit credentials – SSAE and PCI compliance.

Key Benefits:

  • Faster Change Management:
    • No IT for 75% of changes.
    • Increase customization.
    • Consistent enterprise voice.
  • Automated Reconciliation:
    • Account for 100% items.
    • Critical data validation.
    • Out-of-balance notifications.
  • End-to-end tracking:
    • Complete status visibility.
    • Issue detection.
    • Trail for changes/delivery.
  • Increased Control:
    • All templates in just one library.
    • Enforce request intake.
    • Data history access.
  • Delivery Remediation:
    • Email & print delivery tracking.
    • Email bounce remediation.
    • NCOA (National Change of Address) / Address cleansing.
  • Expanded Delivery Options:
    • User chosen channel.
    • Fuller enhanced emails.
    • Mobile responsive documents.
  • On-demand Letter Creation:
    • Controlled intuitive UI.
    • Auto-filling of customer/account data.
    • Include attachments/forms.
  • Improved UX:
    • Delivery channel of choice.
    • Track frequency of touches.
    • Clear & engaging content.

Key Features:

  • Convergence of CCM, Enterprise Content Management, and Web Content Management.
  • CedarCX CCM integrates with digital engagement mechanisms and supports all digital channels.
  • CedarCX CCM integrates with Cyberbank to improve and support additional communication use cases for real-time and traditional batch communications.
  • The solution encompasses the entire customer lifecycle with visibility into each interaction.

CedarCX can support:

  • Mobile messages.
  • Push notifications.
  • Digital communications.
  • Alert distributions.
  • Statements & Letters.
  • Campaigns.
  • Backoffice.
  • Documents & Forms.
  • On-demand letters.