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iPay

iPay is a Jack Henry & Associates solution to support Bill Payments -a crucial pain point in banking lifestyle-. This tool makes online bill payments easier, allowing customers to collect and view all of their accounts and cards in just one place. 

Cyberbank can be integrated with iPay to ensure a holistic solution, covering all the users needs in just one site. With a smooth customer journey, customers can access to pay bills in every channel and device they want.  

The integration of iPay and Cyberbank can help: 

  • Bill Pay: The payment service lets customers pay bills over the web or mobile channels of Cyberbank, from any bank account with no extra costs. It can simplify customers’ finances by eliminating the need to write out checks or count and distribute paper currency.
  • P2P Payments: iPay and Cyberbank allow the management of payments from person-to-person through the web or mobile app with capabilities like split accounts or transfer money to friends or familiars. 

Key Benefits:

  • The reduction of operational costs and the enhancement of digital payments allows the bank to reduce interest rates, fees or charges, which strengthen the retention and loyalty of clients obtaining increases in the number of opening accounts. 
  • Customers can access all their data of cards, accounts of different markets, and decide what payments to make, choosing just one or choosing all.
  • The system allows automatic payments by setting the billing cycles of the accounts, registering each account and authorizing the system to make the collections when the billing cycle notification arrives.
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Key Features:

  • Receive automated text alerts and payment reminders.
  • Track scheduled payments.
  • Payment history is viewable by payee.
  • Enable payment categorization.
  • Visibility of payments status.
  • Custom date range that can be sorted by pay to, pay from, payment amount, process date, and deliver by date.

iPay can support:

  • Card-funded and voice-driven payments.
  • Payments funded from multiple deposit accounts.
  • Account-to-account inter-bank transfers.
  • Gift checks and charitable donations.
  • Payments can be scheduled by payee, payment category, and date range.

Simility

Founded in 2014, Simility helps businesses prevent fraud in real time with machine learning , big data analytics and data visualization capabilities. Simility’s offerings are supported by the Adaptive Decisioning Platform, built with a first data approach to offer a guarantee of continuous risk. By combining artificial intelligence (AI) and big data analytics, Simility helps banks and financial institutions orchestrate complex decisions to reduce friction, improve trust, and solve complex fraud problems. 

Simility has the following capabilities:

New account origination: Data breaches continue to expose personally identifiable information (PII). The integration with Simility allows to generate new accounts for each client that suffers an attack, avoiding the use of synthetic or stolen identity credentials that attackers use to be able to request credits, loans, benefits, and also blocking the cyberattack definitively.

Prevent account theft: Globally connected customers are increasingly using digital channels to access their shopping, banking and more accounts. These accounts are becoming targets for fraudsters. Simility offers a defense system that prevents unauthorized access to user accounts.

Transaction fraud analysis: The platform uses customized machine learning (ML) models and powerful link analysis to help financial institutions assess the risk of each transaction in real time and uncover indicative patterns of complex fraud.

Transfer fraud analysis: Simility helps financial institutions identify and block fraudulent transfers in real time based on various device, session, and behavior parameters.

Fraud analysis for mobile check captures: Simility interprets patterns and analyzes behavioral information along with third-party data to automatically block fraudulent checks and clear good checks to help reduce rejection and return rates.

Trulioo

Trulioo is a Canadian-based company that provides electronic identity and address verification of both individuals and businesses. Trulioo customers use the service to verify the identity of their own customers as part of ‘Know Your Customer’ verification.

Providing a good onboarding experience is the crucial first step in winning and keeping customers. The Cyberbank and Trulioo integration seamlessly supports the onboarding of verified customers and performs Enhanced Due Diligence to help mitigate risk. The integration enables banks and financial institutions to streamline their customer onboarding process without compromising convenience or reliability. 

Through our integration with Trulioo’s identity verification services, onboarding includes state of the art services to validate data such as names, addresses, dates of birth, mobile numbers or national ID numbers, with reliable and independent data sources, matching results in real time.

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The integration of Trulioo and Cyberbank can help:

  • Ensure ID requirements are met for simplified AML/KYC regulatory compliance
  • Onboard customers faster with real-time and reliable online identity verification
  • Make account application and opening process easier for new customers
  • Establish a high level of trust for customers and regulators
  • Complete watch list verifications to help comply with domestic and international AML, Counter Terrorist Finance and sanctions enforcement regulations

Key Benefits: 

  • Provide a fast onboarding experience 
  • Be 100% digital with no personal visits required 
  • Be available on a mobile, tablet or laptop 
  • Be 100% paperless with no paper forms or contracts to sign 

Key Features: 

Identity verification systems play a key role in the customer onboarding process. Banks that integrate these systems into their digital apps can create a superior onboarding experience, while also helping meet Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance obligations.

Verifying ID documents online is also a key step in the customer onboarding process and banks need to do it effectively. With this integration, banks can onboard legitimate customers quickly and securely through intuitive image capture and automated verification technology.

Trulioo’s ID Document verification solution connects banks to a network of identity verification services to offer the most comprehensive global coverage for ID document verification. The solution captures, analyzes and authenticates over 4,200 types of identity documents for customers in nearly every country worldwide Effective ID document verification also means having the confidence that banks are catching forged, expired and stolen IDs before they can be used to commit fraud.

Trulioo’s GlobalGateway can support:

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  • Identity Verification: Verify identity data against global data sources. Build trust online while enabling seamless onboarding
  • ID Document Verification: Capture and authenticate ID document images and verify users. Reduce fraud and limit abandonment
  • Business Verification: Verify business details and identify business owners to assess the level of risk associated with the entity

GlobalGateway gives banks the flexibility to design the identity verification workflow that fits their business needs, no matter the use case or customer journey.

  • Customize rulesets: Banks can adapt to regulations based on industry, region and transaction amounts. Pick the verification rules that help them onboard more customers while reducing manual verification and maintaining compliance. 
  • Combine verification services: Verify ID documents along with identity data for added risk reduction and user authentication. The identity data can also be screened against global watchlists and sanctions lists.

Integrate any way. Banks can choose between three flexible options for connecting to GlobalGateway. 

GlobalGateway can be deployed through a normalized API, an offline batch process or using the real time web portal.

Twilio

Founded in 2008 and based in San Francisco, California, Twilio is a cloud communication company that enables users to use standard web languages to build voice, VoIP, and SMS apps via a web API. 

Cyberbank integrates the Twilio SMS module in order to complement the onboarding process, covering each layer, to deliver a holistic solution. The capabilities offered by this integration can merge the worlds of cloud computing, web services, and telecommunications.

With Twilio, businesses make communications more contextual by embedding voice, video, messaging, and authentication directly into applications.

The integration of Twilio and Cyberbank enables:

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  • Integrating SMS to support the customer onboarding process.
  • Linking bank accounts to Whatsapp for Chatbot assessment.
  • Creating multi-channel messaging in Cyberbank with Twilio conversations.

Main Benefits:

  • US A2P 10DLC compliance based on 10-digit long codes to improve customer trust.
  • The messaging API can be plugged into the channels and processes needed by the financial institutions.
  • It supports SMS, MMS, and OTT channels plus voice, email, and more.
  • It integrates communications at critical touchpoints of the customer journey.
  • The Visual Editor can add bots and intelligent assistants to serve customers any time, anywhere.

Key Features:

  • Creation of SMS workflows in back-end systems with the Programmable Messaging API.
  • Support for high-volume global SMS.
  • Creating triggered communications and measuring effectiveness with Messaging Insights.
  • High-performance scalability and compliance, while delivering a local experience with configurable embedded software.

Twilio supports:

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  • Notifications to proactively inform customers about account activity, purchase confirmations, and shipping notifications.
  • Mass alerts to deliver critical time-sensitive messages to employees and customers at scale.
  • Marketing messages to engage customers with targeted offers on the channels they prefer.
  • Secure, cross-channel conversations to build customer relationships including multiple parties, all on one platform.
  • User verifications to enable delivering passwords through the Verify API built for global reach and massive scale.

Mixpanel

Mixpanel is a company that provides analytics services for businesses. The solution tracks user interactions to provide tools that contribute to personalized communication.

Its tooIts toolset contains in-application A/B testing and user survey forms.  The data collected is used to create customized reports and measure user engagement and retention. Mixpanel works with web applications, particularly SaaS, but also supports mobile applications.

The tools designed and developed by Mixpanel offer coverage to the following banking topics:

How are banking products being used? Mixpanel creates detailed reports of banking application usage to track which platform capabilities are popular and which users are using them.

Where and when do customers stop using the platform? The tool analyzes every step of the customer journey. It provides data on the user’s friction points and the reason for abandonment, monitoring, for example, from the moment they log in to their bank account until they make a time deposit.

Who are the most loyal users? Considering that this task is difficult to identify, Mixpanel has algorithms that allow clients to understand who the customers maintaining their relationship with the bank are, in addition to seeing how long they have used a product.

Mixpanel can read information directly from any Data Lake, and Cyberbank sends it efficiently and securely. This allows the systems to understand hidden patterns in customer behavior and ensure better strategies based on the most relevant trends.

Plaid

Plaid, an American company based in California, provides companies with the necessary tools to develop a digitally-enabled financial system, helping to modernize banking infrastructure.

The Cyberbank and Plaid integration allows customers to link their accounts into one place, with the addition to make round ups to save money with every payment or money movement. This setup is designed to save time and give a friendly user experience to financial institutions customers, where all the needs are covered by Cyberbank.

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The integration of Plaid and Cyberbank can help: 

  • Securely add bank accounts into the banking app
  • Visualize credit cards, chequing, or savings accounts under your connected banks screens
  • User experience is proved to be smooth with every transition and workflow to connect and disconnect bank accounts in a few easy steps
  • This integration provides instant connection between bank accounts, strengthening the engagement and loyalty of each customer
  • With every transaction or payment customers can round up to save money, the financial institutions can manage and customize the minimum and maximum of the amounts allowed, transferring automatically every movement into the account selected by the user (except for credit cards accounts)

Key Benefits:

  • On average it takes 11.5 seconds for users to open the app, find their new bank account and add it with the username and credentials of the other institutions
  • Financial institutions can get user-permissioned bank data to perform analytics and plug-it with other tools
  • Easy connection with a few lines of code to add the integration and customize the look and feel of the brand

Key Features:

  • Account opening and account funding: Auth retrieves account and routing information instantly when users connect their account using login credentials. Plaid works with any ACH processor, including Stripe and Dwolla, to enable fast and frictionless account funding
  • User experience: Balance instantly checks whether users have the funds to make a successful payment; increase user accounts funding rate with a seamless balance check
  • Sign-ups risk mitigation: Identity confirms users’ identities with what’s on file at the bank such as their name, phone number, address, and email
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Plaid can support:

  • Instant Authentication with Auth: 
    • Instantly authenticate accounts: Retrieve account and routing numbers when users connect their checking or savings accounts using bank credentials
    • Connect accounts from any US bank: Set up ACH transfers from any bank or credit union in the US
    • Set up frictionless payments: Plaid works with any ACH processor, including Stripe and Dwolla
  • Identity: 
    • Verify user identities using bank data: Retrieve user names, phone numbers, addresses, and emails for individual and joint accounts, data can be used to complement the KYC process
    • Personalize onboarding forms: Auto-fill forms with identity data when users link their bank accounts

Prisma

Based in Argentina, Prisma is a leading payment technology company, connecting people with financial institutions and stores  through products and services such as Banelco and PagoMisCuentas.

The integration of Cyberbank and Prisma, allows to improve the customer experience at the point of sale,  such as when paying bills, doing transfers and other payment operations, in web or mobile channels.

Cyberbank’s integration with Prisma provides:

  • Wide coverage for electronic payment of services: through the integration with PagoMisCuentas, customers can access to pay more than 5,000 taxes and services, credit card payments, transport cards (SUBE, Movi, Saeta, Red Bus Mendoza), and prepaid services (Prepaid DirectTV, PIM); in a simple and secure way, 24/7.
  • Access to the Banelco network: enabling the processing of immediate transfers between accounts of the Argentine banking system and the management of bank codes, purchases, PIN, PagoMisCuentas, AFIP/Clave Ciudad and SMS token.
  • Access to Debin/Credin operations: enabling customers the possibility to generate orders for immediate transfers or schedule the automatic acceptance of future orders.

Main Benefits:

  • Argentina’s most important payment platform (PagoMisCuentas), made up of more than 5,800 member companies and institutions and 3.8 million users who execute more than 14 million monthly payments.
  • Payment gateway, robust, efficient and known in the market, which enables the instant processing and with high security standards, of online transactions made with more than 50 means of payment.

The range of services that Prisma offers:

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  • ATM and TAS network: management of the most important network in the country, with more than 7,000 ATMs and 35 types of transactions available.
  • Non-financial card processing: capture and processing of benefit programs, miles, medical insurance and other programs not linked to payments.
  • Card embossing and customization: ability to emboss more than 2.8 million cards per month, recording cards with EMV chip and band, printing with customization, issuance of coordinate cards.
  • Solutions in credit, debit and prepaid cards: Prisma provides an end-to-end solution in the issuance and administration of all types of cards, based on modular applications by product, segment or item.
  • Solutions for micropayments: using contactless technology and virtual accounts, Prisma can simplify the payment experience of customers at the point of sale.
  • Payment technologies: Prisma provides solutions in tokenization, biometrics, IoT, mPOS, digital wallet payments and QR, among others.
  • Customer service: the company offers technical innovation and resources that allow it to establish an omnichannel relationship with the customer: call center, back office, IVR, web /mobile.
  • Fraud prevention and cybersecurity: Prisma offers solutions to prevent, detect and respond to possible fraud situations through innovative biometrics technologies, double factor authentication, digital signature, tokenization, key management, scoring, device fingerprint evaluation, digital onboarding and an internationally recognized CSIRT team.
  • Other solutions that provide added value:
    • Management of backloads.
    • Authentication services.
    • Scoring services.
    • Telemarketing services.
    • Loyalty programs.

Strands

Strands is a Fintech partner that develops digital money management solutions, with the mission to enable banks to anticipate customer needs and proactively suggest actions to increase long term value for them. Its products combine Big Data, AI, and Machine Learning with a user-friendly and seamless experience.

The integration of Cyberbank with Strands, gives a tool that brings the customer closer to the world of digital banking, where the customer is able to improve their finances by strongly impacting loyalty with the bank. All the visualizations and dashboards are integrated in a friendly way with Cyberbank Platform, giving total control of the apps and web to the client.

The integration of Strands and Cyberbank can help: 

  • Enable Personal Financial Management capabilities: Cyberbank integrates Strands to provide a financial wellness system that encompasses everything the customer needs to improve their banking experience. Financial Control is driven by Artificial Intelligence, providing smarter money management for the customer, better bank-user involvement and greater share of wallet for the bank.
  • Through the processing and sending of customer information by Cyberbank, the bank’s decision-making to deliver better products and better strategies is secured and powered through AI, giving prediction results much more accurately than other tools. 

Key Benefits:

  • User Empowerment: The tool is able to process the information of multiple accounts of the user, which allows to know their behaviors such as spending money, payment of accounts and other activities, in order to give better advice, and the creation of time-bound plans to achieve goals.
  • Smarter Spender: The tool gives visual insights about where every cent goes each month and the ability to benchmark with peers, whilst promoting smarter spending for each user.
  • Personalized Alerts: Personalized alerts can be setted to make better offers and recommendations. Anticipate and avoid potential issues whilst improving the money management habits of the clients.

Key Features:

  • Seamless integration with any online and core banking system.
  • Improved quantity, quality and duration of interactions.
  • The domino effect of PFM: more touchpoints → higher engagement → increased loyalty and retention → more revenue generated through web and mobile channels.
  • Increase in customer long-term value.
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Strands can support:

  • Data Aggregation: Allowing users to view all the accounts of different banks in one place.
  • Scheduled payments and organization tools (calendar).
  • Native SDK for Android and IOS.
  • Integrated UX with its own widgets.

PayPal

Founded in 1998 in California, PayPal  is a financial services company that offers online payment solutions to users worldwide. PayPal provides an easy and quick way to send or request money online. Each user can transfer money to family, friends, online stores and other available services, in various countries of the world.

From the extensive list of capabilities available in PayPal, Cyberbank integrates with Paypal by linking bank accounts to PayPal accounts. This enables the transfer of money available in a PayPal account and the withdrawal in local currency or foreign currency through the customer’s bank account.

PayPal also has the following key features:

Access without credit card: PayPal offers bank customers without credit card, the possibility to pay in foreign stores by transferring  the money from their bank account to the PayPal account.

PayPal.me: by sending a simple link users can transfer and receive money easily and quickly by sharing the phone number, email or social media.

Customer Protection: PayPal offers a Buyer Protection program that provides the ability, for a period of 180 days, to request full refunds if there are discrepancies between the item purchased and the item received, or if purchases are not received.

Data protection: bank users can make transfers or payments using only their email and password, with 24/7 support including fraud monitoring and world-class encryption practices, to protect financial information in merchants large and small, near and far.

Firebase Cloud Messaging

Developed in 2011, Firebase Cloud Messaging (FCM) is a cross-platform messaging solution that enables instant, fast, and efficient messaging.

Cyberbank integrates FCM so financial institutions can use different channels to notify about events such as new emails or other data available for viewing. In addition, the system allows sending notifications to attract more users and increase their retention. 

Its main features are:

  • The platform works in an integrated fashion to send notification messages or data messages.
  • The integration has versatile message targeting, which means that financial institutions can decide how they send messages, whether segmenting by group or individually. For example, to individual devices, to groups of devices, or to devices subscribed to newsletters, as well as for marketing campaigns.
  • Each Bank can send messages from the apps created together with Cyberbank, allowing confirmation, chat, and other types of messages to be sent from devices to the server through the FCM trusted connection channel.

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