Mobile Banking

Enabling secure access to banking services on the mobile device
 

 

Used for Banks Banks

Notifications and alerts | Bill payment, transfers and transactions | Account and wealth management | Financing: credit, loan, insurance
 

Who is Mobile Banking for?

Our Mobile Banking offer is tailor-made for banks in both developed and emerging markets.

Benefits for end-users

  • The bank is on hand 24/7 (round-the-clock alerts, information, transactions, and products)
  • Access to banking services wherever and whenever, in a speedy, self-service manner
  • Access to an intuitive, easy-to-use and personalized mobile application
  • A single application for all financial needs, including banking, payments, money transfers and financial management

Benefits for banks in developed markets

  • Become your customers' constant companion, with them 24/7
  • Possibility to introduce countless value-added services
  • Increase customer loyalty
  • Reduce operational costs
  • Increase revenues
  • Increase brand differentiation
     

Benefits for banks in emerging markets

  • Enjoy the extensive reach of mobile networks and rapid penetration of mobile phone in markets where banking penetration is low
  • Deliver banking services at a significantly low cost
  • Reach all potential customers, banked and unbanked, across all operators and handsets
     

What’s in Our Offer?

 
 
Brochure: Mobile Banking

The unique Gemalto client-server technology provides a rich environment for deploying secure, flexible and multi-platform mobile banking services.

Usability

  • Secure mobile banking and value-added services, including:
    • Notifications and alerts
    • Bank transfer
    • Bill payment
    • Cardless ATM withdrawal
    • Financing, loans and credit applications
    • Account and wealth management
    • PIN and card management
    • Contactless payments (Virtual EMV)
     
  • Optimized user experience over any mobile platform (iOS, Android, BlackBerry, Symbian, etc.). Coded once on the server, there is no need for porting; these intelligent applications are seamlessly executed on each platform in the best way to suit to the platform
     
  • Ability to utilize the secure element beyond contactless transactions to sign remote transactions

Security

  • Secure over-the-air personalization
  • Strong two-factor authentication
  • Device fingerprinting
  • Secure coding, channel and data independent protection over financial-grade cryptography and infrastructure
  • State-of-the-art security, equivalent to that of ATM and payment networks.
  • New services can be implemented almost instantly without application redeployment

Flexibility

  • Great opportunity for banks to react to user activity and their ad-hoc needs for services or information, wherever they are and whatever they are doing
  • Personalized experience: creation of user profiles, each with specific services, products and user experience suited to the customer segment

Why Gemalto?

Bank-grade security – Gemalto’s mobile banking solution eliminates any tradeoff between user experience and security, keeping the customer interaction at its best.

Multi-platform compatibility – a single mobile banking application can be executed on virtually any mobile operating system, giving end-users an optimized user experience, taking on the behavior and usability features native to the smartphone.

Flexibility and easy maintenance – the mobile banking application can be updated frequently and centrally, and then automatically updated to the handset (without user prompt or intervention).
Different applications can be created for different profiles (personal banking, corporate banking, youth banking, etc.) Gemalto’s solution enables banks to launch services over time, extending from mobile banking, mobile payment, and mobile NFC for proximity payments to international mobile money transfer. With Gemalto, it is easy to introduce new features and capabilities, while keeping a secure and unified customer experience via the Mobile Wallet and leveraging on the convergence of technology and use cases.

Case Studies

Downloads

Mobile Banking

PDF

Enabling secure access to banking services
on the mobile device

Mobile Banking

mBanking SDK

PDF

Secure Online Transactions with your Smartphonee

mBanking SDK