For financial institutions looking to add a mobile component to their services, Clickatell offers a set of secure, robust and flexible mobile financial solutions. Clickatell partners with best of breed mobile financial services application providers allowing any financial institution to easily implement a single, secure, messaging strategy enabling you to reach their customers anywhere, anytime and with any message. Banks and payment institutions can utilize multiple strategies from simple SMS text banking to complex Java (J2ME) applications. Based on the detailed requirements of the financial services institution Clickatell will select the optimal partner solution and provide a completely managed and fully integrated solution. The complete solution, consisting of Clickatell;s mobile messaging gateway and the partner application, is capable of processing millions of messaging transactions per month. Provided functionalities include: Support of multiple modalities: SMS, Mobile Web (WAP) and downloadable applications. SMS Account notifications - balance updates, mini-statements, payment reminders. SMS Account access (2-way) - balance inquiries and mini-statement requests via SMS. Transaction text alerts - credit and debit cards, online login. Fraud text alerts – these text alerts require acknowledgement by the user. Optional Mobile Web (WAP) based banking applications. Optional downloadable applications (J2ME, iPhone, etc.) Seamless integration with core banking or Online banking systems through APIs and SDKs.

Advantages of using the Clickatell's Solution Set:

• It works on all mobile platforms.
• It offers banks the opportunity to immediately reduce costs.
• It can be launched as a hosted (Saas) in as little as a few weeks.
• It offers Bank and Telco grade security options.
• It is future proofed so you can add on other telecommunication protocols and devices as they become applicable.
• It maximises existing investment in infrastructure such as Internet and telephone banking.
• It is easy to use - for both your company and your customers.

Clickatell is the world's leading mobile messaging provider and offers the most extensive global coverage to any bank or payment institution. Would you like to know more about Clickatell's Mobile Application Services Partners?

Read more about how global financial services companies and Clickatell's customers, such as FNB , are using SMS messaging to improve the efficiency and safety of their services.

Financial Applications:

All Clickatell partner applications work in conjunction with Clickatell’s messaging platform and allow financial institutions to offer the following services:

• Complete TextBanking Solution – Includes balance notifications, account updates and balance queries, including flexible services configuration, keyword management and support of multiple customer segments
• 2-Factor SMS authentication - Following a user transaction such as an online banking attempt, a unique code for web-based entry is dispatched to the user via a SMS text message.
• Card not present - This offers further online transaction security. Following an online transaction, the user is sent an additional authentication token via SMS and required to enter it online to complete the transaction.
• Mobile authentication - Secure channel switching from SMS to voice or WAP entry of a verification PIN code. This method eliminates any concerns about the PIN code being stored in the device SMS outbox.
• Mobile payment - Enabling small transactions for peer to peer or person to business payments. Utilizes channel switching and voice based PIN entry as mobile authentication.
• CRM applications - Intelligent customer call back system; rather than calling the service line, only to be placed on hold, the customer sends a text message query and receives a SMS notification stating the approximate wait time. The CRM system initiates an agent call back after the indicated time.
• Marketing and loyalty applications - 2-way text message campaign management tools includes email marketing tools such as click through reporting, template management and database integration.
Clickatell's financial services solutions have been receiving great acclaim from major banking institutions for over three years. Read more about international case studies or contact our sales team to find out more.

Clickatell's SMS Gateway

Clickatell's award-winning SMS Gateway works seamlessly in conjunction with its partner applications and allows financial institutions to take full advantage of the potential of mobile financial services. Clickatell has an impeccable safety and data integrity record; our text messaging connections offer secure and reliable delivery of real-time messages to your customers wherever they are.

• They offer secure SMS message delivery.
• They are capable of processing millions of SMS text messages a month.
• They are designed to handle bulk SMS in a secure manner.
• Banks can set bulk SMS messages to include personal details such as names, dates etc.
• Two-way messaging can be set to trigger words or requests.
• They allow for message escalation to alternative delivery gateways until your financial message has been delivered.
• Banks can track delivery of their SMS messages and set the sender ID.
• You can choose an 'email to SMS' option if you already have an emailing system in place.
• Once you have set up and integrated to Clickatell's SMS Gateway banks can begin safely sending SMS text messages to customers right away.
• Clickatell offers 2-factor authentication options, SSL encryption with specified API's, and a variety of other security measures to ensure the integrity of financial information.

Would you like to know more about Clickatell's award-winning SMS Gateway? ( RSA, UK, AU)

Clickatell offers financial institutions across the globe innovative and award-winning mobile messaging solutions - get in touch with a sales consultant.