SMART DIGITAL BANK – TECHNOLOGY SOLUTION FOR THE DIGITALIZATION OF VIETNAMESE BANK – INCREASING BREAKTHROUGH OPPORTUNITIES

The application of digital or digital technology is an inevitable trend in the banking industry, aiming to expand the market, increase revenue and reduce operating costs as well as bring the best customer experience.

On the part of customers, they are gradually changing their banking habits with more expectation and desire to have new experiences with more convenient and faster processing speed.

According to the PwC Industry 4.0 Global Survey 2016, when applying technology in operations and finding new customers, the average operating cost of the business decreases by 3.6% per year, equivalent to savings of 421 billion USD per year (more than 2,000 enterprises surveyed).

Along with the bank in the digital transformation process, Hyperlogy has built and developed a total digital banking solution called SMART DIGITAL BANK with the main components: SMART FORM, SMART Booking, SMART eKYC, SMART RM…. In which, SMART FORM and SMART Booking have been implemented effectively at Saigon-Hanoi Commercial Joint Stock Bank (SHB), Military Commercial Joint Stock Bank (MB) and An Binh Commercial Joint Stock Bank (ABBANK).

Mo hinh ket noi Smart Digital Bank

SMART FORM – Over-the-counter transaction consolidation solution

Is the supporting software system:

– Automatically fill in business function screens based on the teller’s information selection;

– Self-generated the form of transaction contract with customers;

– Support for approval on SMART FORM instead of approval on paper;

– Integrate with CRM to get customer information to display profiles 360 on the screen;

– Support statistical reports, SLA (Service Level Agreement),…;

– Integrate with SMART eKYC, SMART QUEUE, initiate transaction.

Connect with back-end systems of banks (Core banking, Core card, ebanking, sms banking, …) and perform interactions with these systems.

SMART FORM has been deployed to SHB, nearly 300 transaction points of MBBANK and nearly 200 transaction points of ABBANK, reducing the average transaction time from 35 minutes to 5 minutes.

SMART Booking – Register online transactions

As a transaction channel

Connect with SMART FORM and through SMART eKYC to identify registered customers present at transaction points;

– Help customers register for transactions (Deposit, Withdrawal, Transfer money inside / outside the system …), enter information, select transaction locations, make an appointment before coming to the bank via the Internet or application mobile;

– QR Code is generated after the transaction is registered;

– Scan the QR code on the SMART eKYC when arrival the bank to queue up the specified flow.

SMART Booking has also been successfully deployed by Hyperlogy at MBBANK and ABBANK.

SMART ID – Identifying electronic customers

Is the device located at the transaction counter:

Early identification of customers through: QR Code, ID card, ATM card, EMV / EMV Contactless chip card, NFC (Samsung Pay) to identify customers via Biometrics (face authentication, fingerprint);

Integrated with SMART QUEUE for queue management: segmenting customers according to each business and customer group (VIP, online and general);

Extracting ID information automatically (letters, photos, fingerprints) pushed into SMART FORM.

Key benefits of SMART DIGITAL BANK

For the bank

Reduce transaction time to 5 minutes, increase customer service capabilities, increase labor productivity;

– Optimized operation, easy to control risks, centralized customer data on a system to avoid record risks;

– Control quality of service (SLA – Service Level Agreement) based on detailed transaction reports, KPI of Teller, RM, Bank Controller in real time;

– 100% sell products in packages, increase service revenue;

– Save printing costs, papers because the form is printed from the system and contains only information sections;

– Easy to expand to meet business requirements: register in batches, choose nice account number…

For bank employees

– Identify and understand customers as soon as they arrive at the counter. Increase main sale, cross-sell, package sale;

Increase labor productivity 15 times, reduce the time to interact with professional systems, print, approve;

– Have more time to advise clients;

– The teller uses only 1 electronic form for many services.

For customers

1-minute transaction instead of customers waiting in queue for a long time;

– Customers do not need to fill in multiple paper forms, only need to sign a single form printed by SMART FORM;

– Improving customer experience, providing multi-channel support.

Below is a description of the operation of SMART Booking, SMART FORM – SMART eKYC with different type of customers: New Customers, Regular Customers and VIP Clients with respective transaction activities.

Contact to learn more about SMART DIGITAL BANK

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