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OneSpan

Set up in Chicago in 1997, OneSpan started business developing a platform to support financial institutions in their digital transformation processes. Providing support from client digital onboarding up to fraud mitigation and management of digital process flows, OneSpan open platform reduces costs, accelerating customer acquisition and increasing their satisfaction.

OneSpan may integrate Cyberbank to provide a user experience without friction and totally safe. The solution focuses on fraud analysis, e-signature, authentication, and user protection, therefore, a flexible system—with all the capabilities required by banks—is developed to deliver user-friendly experiences to their customers. 

OneSpan integration with Cyberbank makes it possible to:

  • Obtain a robust end-to-end security system for the customer onboarding process.
  • Provide different types of identity authentication perfectly consistent with any device used by the customer.
  • Display on the screen the documentation to be signed by the customer, making the users save time and paper.

Key Benefits:

  • Cyberbank digital application is flexible enough to display OneSpan integration on screen where the documents to be signed are shown. They can be pre-designed so that it is possible to add the signature sections in the document. In addition, it can previously select the interested parties (user, bank agent, notary public, etc.) who will sign the document.
  • The integration allows using a platform with IA capabilities and identity authentication biometrics.
  • OneSpan and Cyberbank collaborative work enables banks to comply with all KYC requirements.
  • The platform ensures a 100 % digital onboarding, helping customers to spend less time on branch visits, and to increase loyalty.
  • All the security systems are supported by key regulations and certifications to comply with the legal requirements of each country.

Key Features: 

  • Flexibility: OneSpan uses flexible security systems, that is to say, the bank decides which security methods it wants to include for the users’ access. This way, it avoids using rigid self-imposed systems that only generate friction. 
  • Authentication methods management: The platform easily integrates multiple authentication technologies to ensure that  the correct method is available for specific applications.
  • Protected mobile channel: The system mitigates mobile attacks, providing frictionless security through the native integration of application shielding.
  • Integrated biometrics: OneSpan uses a more reliable and convenient  authentication system, by means of fingerprint scan and facial recognition.
  • Smart use of machine learning: To better detect fraud in real time and reduce false positives, One Span uses a risk analysis engine with automatic learning. 
  • Efficient electronic signature: The e-signature service enables banks to generate easy-to-sign documents. Users can sign them using a smartphone (IOs and Android). In case it is  necessary to have more space to sign, customers can use the screen vertically, or simply accept the terms of the document, clicking a pre-designed button.

OnSpan helps through:

  • Monitoring risky mobile devices to identify fraudulent activity based on transactions data and the beneficiaries payment history.
  • Monitoring malware activity, analyzing potential signs of malware in sensitive and non-sensitive activity, such as transactions, login, registration, change of address, etc.
  • Multi layer monitoring for the analysis of devices, applications, behavior, and historical data, as well as digital channels and server analysis.
  • Fraud visualization interactive tools identify rapidly the origin, destination, device and location of possible fraudulent transactions.
  • Mitigation of account theft.
  • Compliance with SOC 2 Type II, ISO/IEC 27001:2013, ISO/IEC 27017:2015, ISO/IEC 27018:2019, FedRAMP, Health Insurance Portability and Accountability Act of 1996 (HIPAA), Skyhigh Enterprise-Ready, ESIGN Act (Electronic Signatures in Global and National Commerce Act), UETA Act (Uniform Electronic Transactions Act), eIDAS (Electronic Identification and Trusted Services Regulation). 

Worldsys

Worldsys is an Argentine company with more than 40 years in the market. The company offers solutions to support needs of financial institutions in terms of qualitative and quantitative information that is reported to controller entities.

Worldsys is recognized today as a leader in compliance systems and solutions for national and international entities.

One of the main applications of Worldsys, Central Data, provides support to financial institutions  to comply with the presentations of “Information Regimes”, optimizing resources and reducing costs significantly.

Central Data requires integration with systems or data sources that provide relevant information for the generation of regulatory reports. Cyberbank includes among its capabilities, serving as a repository of different quantitative and qualitative data linked to customers and their products, and that make up an important source of information for the Central Data module.

Other functionalities that financial institutions can promote through the Worldsys modules and from data provided by Cyberbank, include:

  • A tool in Central Data that allows financial institutions to generate and publish reports from any table or group of tables that have been made.
  • Ability to generate qualitative, explanatory information, reports or lists directly backed up in graphs, all in a simple way from the “Reports Module”.
  • Possibility of attaching documents thus obtaining a documentary support of what has been reported.
  • Module “Information Portal”, where entities can have management information of different types, for different areas and with different levels of access.
  • Some modules have stress testing functions, which allow users to obtain different scenarios and yield results from each of them.
  • All the modules of “Information Regimes” have calculations and validations that simplify the generation and control of reports.
  • “On Demand” mode, which offers the possibility of installing the entire system and using what is required, at the time and for as long as necessary.

Cielo

Founded in Sao Paulo, Brazil, Cielo is a leading company in electronic payment solutions in Latin America. It is responsible for business concern acquisitions, as well as for the capture, transmission, processing, and settlement of credit and debit card transactions, capturing transactions from the main card brands in the world: Visa, MasterCard, Diners Club International, and JCB (Japan Credit Bureau). The company aims to manage relationships with the entire network of merchants affiliated to the Visa system. 

The Cielo Pay payment management system integrates with Cyberbank, providing the following benefits and features to customers:

QR Code payments and purchases: Merchants can generate a QR code that enables payments using smartphones, by deducting the money from the associated bank account.

Simple transfers: When making transfers, each user uses channels such as WhatsApp or other social networks to notify the operation, sending a link that validates the collection of the payment.

GPS offers: Through the integration with Google Maps, users receive push offers from the merchant through its mobile app, according to their proximity with associated businesses.

Digital Wallet: Each user can access the accounts associated between their bank and their Cielo account to review balances, payments, and transfers made. They can also access their cards in order to pay through their smartphone in a fast and secure way.

Evertec

Evertec is a leading electronic transactions and technology company with headquarters in San Juan, Puerto Rico. Its solution for risk management, addressing behavioral and pattern detection for fraud prevention and automatic decision-making based on customer history and information about their environment.

Cyberbank’s integration with Evertec’s solution enhances the capabilities of banks and financial institutions to protect accounts, through a fraud prevention system that feeds on the data managed in Cyberbank, in order to deliver detailed case-by-case reports on customer behavior and alert to anomalies or risk situations.

The integration of Cyberbank and Evertec makes it possible to:

  • Evaluate possible frauds from the monitoring of customer behavior, simply by sending the data of movements and actions of the client to the risk engine, to obtain evaluation and provide results.
  • Generate a secure environment for each client, where all purchases, payments and transactions processed by the Cyberbank platform are analyzed to prevent attacks.
  • Send alerts by means of Push notifications or blocking of products through the channels established by Cyberbank (Web, Mobile).

Key Benefits:

  • Protection against all transactions from fraud on financial products, identity theft, card not present, and internal fraud.
  • The integration allows the analysis of both banking and non-bank transactions.
  • The system operates according to the PA-DSS (Payment Application Data Security Standard) standard.

Main Features:

  • The dual editor for rules to support alerts and authorizations, allows the creation of rules at the graphic level, as well as the direct writing of expressions.
  • Machine learning-based tools for detecting unusual behaviors.
  • Automatic actions that allow banks to detect a suspicious case, push notification or generate locks, with a single rule.
  • The solution is integrated with Google Maps to visualize transaction coordinates and use Street View for analysis.

Evertec also supports:

  • Generation of reports that can be exported easily to create dashboards.
  • Ambient simulation to create specific use cases generated to get responses from the risk engine.
  • Use of a sandbox that allows banks to test new use cases before releasing them to production, avoiding possible collateral damage to customers.

Payveris

Based in the United States, Payveris operates a cloud-based digital payment and money transfer platform to help financial institutions around the globe. 

From a platform-centric model, Payveris creates The MoveMoney Platform, an Open API cloud-based system that enables FIs to control, simplify and extend digital money movement capabilities to any application or device while lowering user experience friction, significantly reducing operating costs and impacting in the IT return of investment.

The Cyberbank and Payveris integration help Financial Institutions to deliver a strong and well covered payment ecosystem for its customers. 

The integration of Payveris and Cyberbank can help: 

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  • Combine all fintech products into one unified payment center through open-APIs
  • Financial Institutions can offer P2P payments and all customers/members access to send money directly to their contacts, using just the phone number or the email address
  • Integrations into your mobile, app or web all of these capabilities to ensure an holistic experience combining Cyberbank and Payveris Microservices

Key Benefits:

  • Bill Payments from any device in one platform, with instant payments or scheduled payments
  • Money Transfers directly and secure to any customer’s contact
  • The proprietary PaySafeSM settlement process comes with integrated fraud mitigation tools, with this, recipients can get their money safely and securely

Key Features:

  • Financial Institutions can deliver an unlimited range of innovative digital payment and money movement services including stand-alone or integrated payments, transfers, and disbursements through the robust library of APIs
  • Bill payments were never easier to make; this microservice can perform: 
    • Friction-free enrollment
    • Quick-pay
    • Multi-pay
    • Recurring and scheduled payments
    • Instant bill presentment with auto-pay
    • Integrated payment calendar
    • Solid search capabilities
  • The PaySafeSM proprietary tool is created to mitigate fraud and risk while generating cost reductions. This Cyberbank and Payveris integration fully assured the security of payments and money movements
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Payveris MoneyMovement can support:

  • Consumer Bill Payments and Presentment
  • P2P Transfers
  • A2A Transfers
  • Safepay File

Payveris MoneyMovement Platform and Cyberbank gives banks a flexible infrastructure where all the payment use cases needed will be covered, integrated as an API, Widget or Single Sign-On.

VU Security

Based in Buenos Aires, Argentina, VU Security is a cybersecurity company created to improve the quality of life of both users and banks, building digital experiences without friction. Its products combine traditional cybersecurity controls with biometrics, geolocation, machine learning and user behavior analytics without giving up a user-friendly and seamless experience.

The integration of Cyberbank and VU Security ensures a strong banking cybersecurity framework, consolidating end-to-end security for every part of the digital onboarding process cycle and more.

The integration of VU Security and Cyberbank can help: 

  • Prevent Fraud: Cyberbank’s Risk Evaluation Engine (REE) integrates VU Prevention Fraud module to prevent fraudulent transfers, covering an important module of the many capabilities that the self-defending banking platform has.
  • Provide Multi-factor Authentication Framework: Cyberbank integrates VU into the platform engine to provide customers with access to a multi-factor authentication framework that centralizes user policies, passwords and their traceability. Also providing a flexible, simple and personalized scheme when implementing a second factor system in the cloud through any device with Internet access. 
  • Generate Dual-Factor Security: The integration with Cyberbank seamlessly provides a dual-factor authentication system, as it uses the customer’s smartphone as hardware support. This way end users have the guarantee that no malicious person will be able to capture their credentials and then use them in a fraud or theft of bank information (phishing), making the homebanking a safe place.

Key Benefits:

  • Optimizes investment and costs of technical and human resources.
  • Avoids phishing, pharming and identity attacks, among others.
  • It complies with the requirements of all banking and transactional regulatory bodies in Latin America. 
  • Analyze transactions made in the Mobile and Web apps 
  • User’s fingerprints administration: add fingerprint to users, execute validations.
  • Anti-money laundering capabilities.
  • Fraud prevention through the use of Machine Learning in order to detect fraudulent operations.

Key Features:

  • Create, register, validate, block and unblock users, and add access control service groups.
  • Enable and disable users and types of authentication factors.
  • Provide unique codes (one time passwords), assigned to the user in the VU™ Mobile Tokens system.
  • Validate credentials.
  • Analyze transactions, events, and analyze and validate fingerprints.

VU Security can support:

  • Remote Identification supported for IOs and Android to complete the onboarding management cycle of Cyberbank.
  • Fraud Detection & Prevention through biometrical identification like facial recognition.
  • Proof of life with remote identification through voice recognition.
  • Simultaneous handling of multiple identification factors.
  • Integration: 
    • API REST
    • Radius
    • Syslog
    • Nagios
  • Access Management
    • Active Directory
    • LDAP (Lightweight Directory Access Protocol)
  • Management of records and report
    • Kibana
    • PowerBI

Coelsa

COELSA is an Argentine technology company with more than 20 years of experience focused on the financial sector positioning itself as the main core of the payments ecosystem. The company provides high-quality digital tools suitable for the main players in the financial scenario, banks, fintechs, official bodies, cards, banking and non-banking networks, to participate and interact in the payments ecosystem.

The integration of Cyberbank and COELSA, allows:

  • Access to CBU and Alias management: COELSA provides the necessary capabilities to complete key customer journeys in Cyberbank regarding the onboarding and account creation, as well as CBU and Alias management.
  • Initiate transactions, transfers and payments that require the use of CBU or Alias codes: Initiated in web or mobile channels through Cyberbank, COELSA is the solution responsible for the compensation and validation of codes and transfers made by users.
  • eChecks Operations: Introduced by regulation of the Central Bank of the Argentine Republic for the operation of electronic checks, COELSA is the solution that manages the issuance, acceptance, endorsement, or rejection of eChecks operated in digital channels (web or mobile) supported in Cyberbank.
  • Debin/Credin operations: Manage the creation and approvals of immediate transfers and/or collections between bank accounts.

 Key Features:

  • COELSA is the low-value Electronic Clearing House created by most of the large Public and Private Banks that support the National Payment System of Argentina, through Red Link technology, is responsible for the electronic clearing of checks, direct debits, transfers from customers or third parties, claims, images of rejected checks and CFU (Uniform Federal Compensation), allowing the imputation of transactions automatically between originating and receiving entities.
  • COELSA manages and controls the operations carried out in the Argentine financial field, managing:
    • The unified reservoir of digital check images.
    • The account holders repository to control the CUIT, CUIL or CDI of the transfer beneficiary within the clearing process.
    • The Unique Repository of the “Uniform Virtual Key – CVU” that allows the identification, traceability and interoperability of funds transfers that are made between accounts managed by a Payment Service Provider (PSP).
    • The Alias CBU, which facilitates banking operations for approximately 70 million accounts.
  • COELSA performs the settlement of balances between banks, product of the clearing of card operations, processors and ATM networks.
  • Management of “SOJ – System of Judicial Offices”, to operate blocks or holds of balances in accounts -by legal reasons- ordered by the AFIP (Federal Tax Administration).
  • Operator and administrator of eChecks (electronic checks).
  • Interoperable QR Code Management, a tool to massively interconnect users, banks, digital wallets and Fintechs, without going through the traditional value chain.

Red Link

Red Link is an Argentine company with 30 years of experience leading large-scale IT and processing services, with certifications worldwide. The company interconnects people with financial entities and businesses through products and services such as Red Link, Link Pagos, and Pagar.

The integration of Cyberbank and Red Link allows enhancing the customer experience in these usual processes: payment of utility bills, recharges, transfers, and other payment transactions, whether through web or mobile channels.

The integration of Cyberbank with Red Link provides:

  • Extensive coverage to pay services electronically: Through the integration with Link Pagos, customers can pay more than 5,000 taxes and services, credit card, transportation cards (SUBE, Movi, Saeta, Red Bus Mendoza), and prepaid services (prepaid Direct TV, PIM), in a simple and secure way, 24 hours a day.
  • Access to the Red Link network: Enabling the processing of immediate transfers between Argentine banking system accounts and the management of CBUs (Single Banking Code) and Account Alias Keys.
  • Access to Debin/Credin operations: Allowing customers to generate immediate transfer orders or to schedule the automatic acceptance of future orders.

Main Benefits:

  • The most important payment platform in Argentina (Link Pagos), with more than 5,800 member companies and institutions and 3.8MM users executing more than 14MM monthly payments. 
  • A robust, efficient, and well-known payment gateway in the market, which enables instant processing of online transactions carried out through more than 50 payment methods with the highest security standards.
  • The platform provides capabilities to verify account ownership, validating the correspondence of CBU/CVU (Virtual Uniform Key)/Account Alias Keys, and their associated CUIL/CUIT (Unique Labor/Tax Identification Code) while processing transactions.

Key Features:

  • Link Pagos:
    • Easy access through username and password.
    • The system is able to save, order, and print vouchers.
    • It sends account expiration alerts.
    • Cards and invoices are all in one place for quick and easy access, saving the information for future payments.
  • Red Link:
    • Allows check and cash deposits.
    • Password management: Bank, shopping, PIN, Link Pagos, Red Link Móvil, Todo Pago, AFIP/ Clave Ciudad, and Token SMS.
    • Allows transfers to third parties and to other proprietary accounts.
    • Money withdrawals.
    • Access to personal loans connected to the bank information and policies.
    • Issuance of social security vouchers.
  • Pagar:
    • Payments and sales through different channels.
    • Money crediting management.
    • Secure transactions, with no contracts or fixed costs.
    • Creation of payment buttons.
    • Payment by e-mail, social networks, and SMS.
    • Generation of documentation associated with purchases and sales.

The range of services offered by LINK includes:

  • Card and network processing: LINK is both an issuer and an acquirer of national and international payment methods (open and private label brands), and an ATM manager (both locally and internationally).
  • Acquirer of Visa, MasterCard, and Cabal brands.
  • It provides automatic debit management and reconciliation services.
  • Pos network service (LaPos) and more than 60 brands.
  • It also captures private label transactions: benefit programs, loyalty programs, healthcare services, etc.
  • Other value-added solutions:
    • Security and fraud prevention and risk management.
    • Chargeback management.
    • Authentication services.
    • Scoring services, etc.
    • Telemarketing and Customer Care services.
    • Loyalty programs

Google Analytics

Introduced and created by the giant Google in 2006, Google Analytics is a free solution for analytics, leader in measuring metrics for web traffic, website tracking, blog and social networks.

Cyberbank integrates Google Analytics to deliver key details about customer behavior on banking websites.

The integration of Google Analytics in Cyberbank facilitates:

  • Integrate Google Analytics and Google Tag Manager within the web app provided by Cyberbank for banking customers, allowing the configuration of monitoring of each area of the web that banks want to analyze to obtain powerful metrics that improve the user experience.
  • Integrate within Cyberbank dashboards the live visualization of customer behavior metrics, which allows banks to manage more quickly the actions of follow-up, monitoring and detection of site improvements.
  • Generate unique codes for the identification of each user associated with a user ID, as metrics that support the generation of marketing strategies, complementing the Cyberbank Marketing Campaigns module.

Key benefits:

  • The Google Tag Manager tool allows banks to enhance the development of websites by improving the customer journey and identifying errors, as well as the use that each user gives to the page.
  • The monitoring of used and unused products provides a great competitive advantage to banks, allowing them to better manage the efforts of each product.
  • Users access a virtual environment that is friendlier and that fits their needs.

Main Features:

  • Monitoring of behavior live and through dashboards.
  • Monitoring of specific website flows.
  • Monitoring key factors such as:
    • Number of visits.
    • Session duration.
    • Sources of traffic.
    • Preferred user sections.
    • Device from which the site is accessed.

Google Analytics also allows:

  • Use of Rest APIs for integration.
  • Compatibility with the rest of Google’s tools.
  • Data collection using a combination of cookies, browsers, and JavaScript code.
  • Reporting capabilities.
  • Generation of objectives for the understanding of user interactions with web and mobile apps.

CheckAlt

CheckAlt is a leader in delivering item processing and treasury management solutions for hundreds of financial institutions and business clients in the United States representing a variety of industry sectors, including: property management, healthcare, utilities, municipalities, nonprofit, higher education, and small business.

The company is a leading provider of consolidated item processing, omnichannel integrated treasury solutions, remote deposit capture, and easy-to-integrate APIs for mobile and web developers. 

CheckAlt’s eCheck electronic check processing product provides business and bank commercial clients the ability to quickly make check payments digitally from any checking account. The integration with Cyberbank, next gen digital banking platform, solves Check Image, enables consultation of Periods available for Status and provides Statement of Account for N Period, to benefit the customer experience with:

Fast Payment Processing

The solution offers next-day clearing of payments made before the daily cut-off time.

Simplified Reconciliation

Easily find echeck payments on statements with detailed payment information to make reconciliation that much faster.

Customizable Data

Each eCheck generated allows for up to six (6) lines of customized data to improve transparency and reduce disputes.

Reduce Paper Checks

Redirect what could have been a paper payment to an electronic method, without losing the ability to see check images on statements.

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