Introduction

The ultimate challenge for any enterprise is to keep in regular touch with their clients. With the revolution in the Telcom industry and explosion of mobile networks, SMS has become an essential means of communication. This has elevated the SMS banking system to becoming one of the most important delivery channels between the bank and its clients. The bank can now reach any of its clients at any time through SMS on their mobiles.

A wide range of transactions is supported with the ability to extend the list of services as per the bank’s requirements. Fully parameterized message contents with multi language support based on client-preferred language are available. The ITS-SMS is specially designed to cater for these new communication requirements. A bank can alert his clients to any changes on their accounts, and do cross selling and up selling. Clients can also give instructions to the bank or inquire on their account simply by sending a SMS. Our clients will have the option to define different message contents in English (or other European languages) and Arabic, based on the clien’s preference.

ITS-SMS system supports both Push and Pull services (subject to availability of back end support) such as:

• Balance Inquiry
• Last 5 Transactions
• Currency Rates
• Balance Change
• Standing Order Execution
• Large Debit / Credit Transactions
• Change in Deposit Rates
• Change in Lending Rates
• Creation of Overdraft
• Salary Credit
• Standing Instruction Execution
• Credit of FD Interest to certain account
• Transaction on certain account exceeding certain amount
• Check processed exceeding certain amount
• Certain standing instruction executed successfully or failed
• Fixed deposit renewed
• Loan disbursed in account
• Account Balance reaches below a threshold
• Closing balance notification
• Currency rate for a given currency
• Deposit rate for a given currency
• Transaction for a given date
• Display client profile
• Confirmation of stopping ATM card
• ATM successful transaction
• Failed ATM transaction
• ATM card ready for collection

Fully parameterized system through Web Enabled Interface (Could be used as Internet / Intranet Application):

• System is fully parameterized. Easily configurable through web enabled administration interface. Bank can administer the system using normal internet browser through Bank internet/intranet network

Easily integrated with bank internet banking system:

• With its .NET technology and web enabled interface; system can  easily integrated with the Bank's existing internet banking solution. A special URL will be called from Bank internet solution enabling clients to edits his profile.

Multi Language SMS Support:

• ITS-SMS supports Sending SMS in ClientPreferred Language (Arabic, English, French, etc.)

Marketing & Broad Casting Messages for

• SMS Services sITScribers
• Client Classes
• Bank Clients / Non Bank Clients using Mobile Numbers & Interface File Format

Easy to integrate with Enterprise Solutions through Predefined Interface Standards