Retail Banking Delivery Channels

No matter how you want your customers to access your services Ultradata can provide a fully integrated, secure and convenient solution.

• Internet Banking
• Online Savings
• Web Lending
• Phone Banking
• ATM
• Branch
• Call Centre
• Agency
• Australia Post (Bank@Post)

Internet Banking

Completely integrated to Ultracs is our proven and feature rich Internet banking solution. All processes are subject to the same validation and data integrity checking as other transactions performed through Ultracs.

Highly sought after features of our solution include:

2nd Level Authentication (Identity Confirmation)

Extra forms of Identity Confirmation are configurable depending on the organisation and customer requirements beyond customer number and password:

• DOB entry to verify customer’s identity at logon.
• Optional one-time password security tokens or SMS code.
• Scrambled pin pad entry or password and/or DOB at logon.
• Captcha test presenting an image file, which the user needs to verify by typing in the data on that image.

Multi Factor Authentication

Using either or both SMS or Security Token One Time Passwords
to provide true “what you have” authentication.

Business Viewpoint

Internet banking for small to medium businesses - create one Internet banking site that distinguishes between personal and business customers.

• The ability to load transactions, periodical payments and schedule transaction batches for later authorisation.
• Businesses can maintain their own authority levels, business account signatories and logins.
• The ability to create electronic payment files from external payroll and accounting systems, minimising data errors.

Alerts Messaging

Enhance your customers’ experience with your organisation by giving them the tools to choose to be automatically notified as to a variety of routine events happening on their accounts, such as payments due, deposits/withdrawals greater than a set amount and account balances.

Delivery of the alert can be by email, secure email via Internet banking or SMS – all at the customer’s discretion.

Multi Branding

The capacity to deliver different look and feel and functionality to customer segments.

SMS Queries

Inbound SMS option for customers to request immediate account balance and transaction information.

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Online Savings

Create a totally online savings option for your customers; with nominated external accounts and minimal identification requirements (deposits and withdrawals can only be made to and from nominated verified external accounts).

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Web Lending

Capture, process and pre-approve loan applications over the web, based on the lending criteria set by your organisation. Automatic conditional online pre-approval is granted based on the information supplied by the borrower. You are then in a position to access the loans captured in this manner; reducing time spent weeding out the business that doesn’t meet your required criteria.

Customers or potential customers are able to browse the web from anywhere they choose and access information on your lending products. Your organisation is therefore not restricted to any one location or branch and consequently can utilise your marketing and advertising over the Internet.

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Phone banking

We provide interfaces to leading IVR solutions to banks and non-bank financial institutions throughout the Asia Pacific.

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ATM/EFTPOS

We have a single and versatile solution capable of managing your Electronic Fund Transfer (EFT) access needs, full service modules and connections to a number of switch networks for ATM and EFTPOS devices.

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Branch

Ultracs has an online real-time, transaction-processing engine that provides full teller management and addresses the specific needs of a branch network. Intuitive display of signatures or photo ID to any PC workstation, at point of transaction, is an integrated component of the solution. Branches can also operate in stand-alone mode with store-and-forward facilities provided, ensuring continued operations in the event of communication line failures and host downtime.

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Call Centre

Many of our clients operate successful call centres with customer "one view" convenience.

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Agency

The solution supports the requirements of an extensive agency network. A batch process facilitates transaction processing. This is an ideal solution to manage any offline agencies that you may have.

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Australia Post (Bank@Post)

Ultradata has developed an interface with the Australia Post (Bank@Post). This allows the financial institution access to the vast network of Australia Post offices for the purpose of its customers performing card based transactions including:

• Deposits
• Withdrawals
• Account balance enquiries
• Account opening
• Payments for credit card bills

Bank@Post allows institutions to extend their own retail network to provide convenient and face to face service throughout Australia especially in regional and rural areas. This interface integrates seamlessly with the financial institutions existing card processing with transactions individually identified to enable separate fee or loyalty programs to be customised.

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