Retail Banking Suite

Aion enables banks to acquire digital-ready customers through an engagement model that is built around their lifestyle needs. This holistic proposition to engage, drive transaction, and retain customers creates a compelling emotional connection with customers.

retail-banking-suite

Retail Banking Suite

retail-banking-suite

Revolutionize your customer experience

Retail banking customers want services anywhere and at any time. They expect an intelligent view of their cash or financial position instantly, and they want convenient and secure experiences across all banking channels – be it online, on their mobile, at a branch or through a contact center

Aion’s retail banking platform does this. It provides beautiful and seamless customer journeys. This transforms the bank’s ‘transactional’ relationship with customers to one that co-creators future banking solutions while providing emotionally engaging customer experiences.

Speed, certainty, and ROI is our guarantee

Aion’s ‘plug and play’ platform enables banks to implement technology-led transformation rapidly and with certainty. Our retail banking platform has over 100 pre-installed capabilities, integrations and customer journeys that are configurable and extensible. This magic formula allows banks to deploy a highly personalized customer experiences across all channels.

Our design, build, integrate, deploy and scale methodology gets you to market faster and it also means our technology implementation costs are low, and most importantly within your budget.

Allow your customers to create personalized dashboards with visuals to better understand their savings, spending, investments, etc. This is just another way to deliver a personalized and superior customer experience.

Personalised money management dashboard created through drag-and-drop functionality.

  • Accounts overview
  • Deposit overview
  • Loan overview
  • Intuitive expense timeline
  • Loyalty points overview
  • Community events overview
  • Targeted marketing campaigns to increase cross-sell potential

Customers often can’t keep track of the movement of their money. Our platform provides customers full control by centralizing the management of their transfers, bills and payments. It could be a one-time payment or a set of recurring payments

  • Features & Benefits
  • Pre-integrated with national switch
  • Transfer funds between accounts
  • Transfer funds within bank
  • Transfer to other banks
  • International transfers
  • Pay and track bill in one place
  • Display, alert and schedule bill payments
  • Manage payees – create, edit and delete
  • Set-up recurring payments
  • Review and assess pending and scheduled payments
Personalised money management dashboard created through drag-and-drop functionality.
  • Accounts overview
  • Deposit overview
  • Loan overview
  • Intuitive expense timeline
  • Loyalty points overview
  • Community events overview
  • Targeted marketing campaigns to increase cross-sell potential
Customers often can’t keep track of the movement of their money. Our platform provides customers full control by centralizing the management of their transfers, bills and payments. It could be a one-time payment or a set of recurring payments
  • Features & Benefits
  • Pre-integrated with national switch
  • Transfer funds between accounts
  • Transfer funds within bank
  • Transfer to other banks
  • International transfers
  • Pay and track bill in one place
  • Display, alert and schedule bill payments
  • Manage payees – create, edit and delete
  • Set-up recurring payments
  • Review and assess pending and scheduled payments
The Aion Open Banking solution, in partnership with “TESOBE Open Bank Project” allows banks to efficiently transform and implement an open API platform aligned to the latest standards in security and functionalities.
  • Individual API gateway, enabling traffic control and access right management
  • Admin dashboards
  • View and manage integrations
  • View and manage consumption of API services
  • Unrivalled Open Banking experience
  • Flexible architecture
  • Access to a thriving global innovator and developer community
  • Accelerator for legacy integrations
  • Deep rooted security and compliance
  • Faster time to market & cost-effective deployment options
Provide your customers with powerful search facilities for information pertaining to their single or multiple accounts. Customers can monitor balances for all type of accounts – savings, cheque, credit cards and loans.
  • Account details
  • Apply for new accounts
  • View account details
  • View last 10 transactions
  • View and print bank statements
  • Transaction search
We can provide a holistic view of your customers’ deposits and debts by integrating our platform with your existing deposit and lending systems and their applications.
  • Simplified loan application processing and approvals
  • Overview of all deposits and loans
  • View list of scheduled and completed deposits
  • Repository of all deposits and loan agreements
  • Deep dive into deposit activity, including calculation of interest income
  • Deep dive into debt facilities (credit cards, overdrafts, loans) and calculation of interest charges and fees.
  • Prioritize loan repayments through PFM services
Provide your customers with powerful search facilities for information pertaining to their single or multiple accounts. Customers can monitor balances for all type of accounts – savings, cheque, credit cards and loans.
  • Integrated with notifications and call to action service providing customers with:
  • Timely account balance alerts
  • Notification of scheduled payments
  • Daily limit changes and much more
  • Highly secured
  • Secure mail messaging service for every aspect of the banking relationship – account queries, transaction queries, and product and service information
  • Our communication hub can easily integrate with your existing customer contact service infrastructure.
  • Push messaging, SMS and email alerts
  • Income and expense reports
Customer Service
 
  • Click to call
  • Reorder cheque books
  • Chat bots
  • Nearest ATM
  • Integrated Google Map for navigation
  • Search and filter opening and closing times of branches and location
Provide your customers with powerful search facilities for information pertaining to their single or multiple accounts. Customers can monitor balances for all type of accounts – savings, cheque, credit cards and loans.
  • Account details
  • Apply for new accounts
  • View account details
  • View last 10 transactions
  • View and print bank statements
  • Transaction search
Digital self-service functionality provided to customers enables them to manage their debit cards and credit cards; reducing the number of contact center calls and queries and therefore costs. We provide a seamless integration with your card management system which will translate into an enhanced customer experience. 
  • Request new cards, activate cards, update cards or block cards
  • PIN change
  • Change contact details
  • Lost or stolen cards notification
  • Journey and purchase history
  • Apply for refunds
As part of the digital self-service experience, customers can edit and manage their profiles with ease and simplicity.
  • Easy-to-update contact information
  • Communication preferences
  • Update mobile number
  • Update email and postal address
  • Update username and passwords
  • Update profile picture
  • Audit trail of all purchases of products and services
Customers have a single identity to access their account and all third-party services through open banking capabilities. Our biometric authentication platform provides the added layer of security to protect your customers data. 
  • Two-factor authentication
  • Password policy management
  • Security for access and data in transit
  • Checks for multiple logins
  • Session timeout
  • Two-way encryption
  • SSL certificate pinning
Provide customers the convenience of depositing cheques via their smartphones at any time and any place. 
  • Accurately scan cheques and transmit to the remote deposit capture system for posting and clearing
  • View list of scheduled and completed deposits
A comprehensive administration module for all back-office operations related to your digital bank.
  • A comprehensive business processing engine enabling a seamless connection with banking legacy systems. It provides banks with centralized and single API communication across multiple systems while reducing duplication of IT infrastructure resources.
  • Full encryption-based communication models with backend systems
  • An intuitive by design community module for banks to connect emotionally with their customers allowing for a fresh engagement model “Banking to do good”. This module supports digital events, real-time communication and engagement management functions.
  • A robust and secure database server to provide enterprise grade data management functionality.
  • Multilingual support
  • Password policy management
  • Security for access, data in transit, and data at rest
  • Checks for multiple logins, idle session time logout, cookies deletion on sign-out, etc.
  • Highly secure two-way encryption, using JWT Tokens, OAuth 2.0
  • SSL Certificate Pinning
  • Open APIs
  • Cross browser compatibility
  • Real time visibility throughout transactions lifecycle
  • Complete audit trail
  • Access and usage logs for use in analytics
  • Multilingual support
  • Password policy management
  • Security for access, data in transit, and data at rest
  • Checks for multiple logins, idle session time logout, cookies deletion on sign-out, etc.
  • Highly secure two-way encryption, using JWT Tokens, OAuth 2.0
  • SSL Certificate Pinning
  • Open APIs
  • Cross browser compatibility
  • Real time visibility throughout transactions lifecycle
  • Complete audit trail
  • Access and usage logs for use in analytics

Aion enables banks to acquire digital-ready customers through an engagement model that is built around their lifestyle needs. This holistic proposition to engage, drive transaction, and retain customers creates a compelling emotional connection with customers.

Revolutionize your customer experience

Retail banking customers want services anywhere and at any time. They expect an intelligent view of their cash or financial position instantly, and they want convenient and secure experiences across all banking channels – be it online, on their mobile, at a branch or through a contact center. Aion’s retail banking platform does this. It provides beautiful and seamless customer journeys. This transforms the bank’s ‘transactional’ relationship with customers to one that co-creators future banking solutions while providing emotionally engaging customer experiences.

Speed, certainty, and ROI is our guarantee

Aion’s ‘plug and play’ platform enables banks to implement technology-led transformation rapidly and with certainty. Our retail banking platform has over 100 pre-installed capabilities, integrations and customer journeys that are configurable and extensible. This magic formula allows banks to deploy a highly personalized customer experiences across all channels. Our design, build, integrate, deploy and scale methodology gets you to market faster and it also means our technology implementation costs are low, and most importantly within your budget.

Allow your customers to create personalized dashboards with visuals to better understand their savings, spending, investments, etc. This is just another way to deliver a personalized and superior customer experience.

Personalised money management dashboard created through drag-and-drop functionality.

  • Accounts overview
  • Deposit overview
  • Loan overview
  • Intuitive expense timeline
  • Loyalty points overview
  • Community events overview
  • Targeted marketing campaigns to increase cross-sell potential

 

Customers often can’t keep track of the movement of their money. Our platform provides customers full control by centralizing the management of their transfers, bills and payments. It could be a one-time payment or a set of recurring payments
  • Features & Benefits
  • Pre-integrated with national switch
  • Transfer funds between accounts
  • Transfer funds within bank
  • Transfer to other banks
  • International transfers
  • Pay and track bill in one place
  • Display, alert and schedule bill payments
  • Manage payees – create, edit and delete
  • Set-up recurring payments
  • Review and assess pending and scheduled payments

Personalised money management dashboard created through drag-and-drop functionality.

  • Accounts overview
  • Deposit overview
  • Loan overview
  • Intuitive expense timeline
  • Loyalty points overview
  • Community events overview
  • Targeted marketing campaigns to increase cross-sell potential

Customers often can’t keep track of the movement of their money. Our platform provides customers full control by centralizing the management of their transfers, bills and payments. It could be a one-time payment or a set of recurring payments

  • Features & Benefits
  • Pre-integrated with national switch
  • Transfer funds between accounts
  • Transfer funds within bank
  • Transfer to other banks
  • International transfers
  • Pay and track bill in one place
  • Display, alert and schedule bill payments
  • Manage payees – create, edit and delete
  • Set-up recurring payments
  • Review and assess pending and scheduled payments

The Aion Open Banking solution, in partnership with “TESOBE Open Bank Project” allows banks to efficiently transform and implement an open API platform aligned to the latest standards in security and functionalities.

  • Individual API gateway, enabling traffic control and access right management
  • Admin dashboards
  • View and manage integrations
  • View and manage consumption of API services
  • Unrivalled Open Banking experience
  • Flexible architecture
  • Access to a thriving global innovator and developer community
  • Accelerator for legacy integrations
  • Deep rooted security and compliance
  • Faster time to market & cost-effective deployment options

Provide your customers with powerful search facilities for information pertaining to their single or multiple accounts. Customers can monitor balances for all type of accounts – savings, cheque, credit cards and loans.

  • Account details
  • Apply for new accounts
  • View account details
  • View last 10 transactions
  • View and print bank statements
  • Transaction search

We can provide a holistic view of your customers’ deposits and debts by integrating our platform with your existing deposit and lending systems and their applications.

  • Simplified loan application processing and approvals
  • Overview of all deposits and loans
  • View list of scheduled and completed deposits
  • Repository of all deposits and loan agreements
  • Deep dive into deposit activity, including calculation of interest income
  • Deep dive into debt facilities (credit cards, overdrafts, loans) and calculation of interest charges and fees.
  • Prioritize loan repayments through PFM services

Provide your customers with powerful search facilities for information pertaining to their single or multiple accounts. Customers can monitor balances for all type of accounts – savings, cheque, credit cards and loans.

  • Integrated with notifications and call to action service providing customers with:
  • Timely account balance alerts
  • Notification of scheduled payments
  • Daily limit changes and much more
  • Highly secured
  • Secure mail messaging service for every aspect of the banking relationship – account queries, transaction queries, and product and service information
  • Our communication hub can easily integrate with your existing customer contact service infrastructure.
  • Push messaging, SMS and email alerts
  • Income and expense reports
Customer Service
 
  • Click to call
  • Reorder cheque books
  • Chat bots
  • Nearest ATM
  • Integrated Google Map for navigation
  • Search and filter opening and closing times of branches and location

Provide your customers with powerful search facilities for information pertaining to their single or multiple accounts. Customers can monitor balances for all type of accounts – savings, cheque, credit cards and loans.

  • Account details
  • Apply for new accounts
  • View account details
  • View last 10 transactions
  • View and print bank statements
  • Transaction search

Digital self-service functionality provided to customers enables them to manage their debit cards and credit cards; reducing the number of contact center calls and queries and therefore costs. We provide a seamless integration with your card management system which will translate into an enhanced customer experience. 

  • Request new cards, activate cards, update cards or block cards
  • PIN change
  • Change contact details
  • Lost or stolen cards notification
  • Journey and purchase history
  • Apply for refunds

As part of the digital self-service experience, customers can edit and manage their profiles with ease and simplicity.

  • Easy-to-update contact information
  • Communication preferences
  • Update mobile number
  • Update email and postal address
  • Update username and passwords
  • Update profile picture
  • Audit trail of all purchases of products and services

Customers have a single identity to access their account and all third-party services through open banking capabilities. Our biometric authentication platform provides the added layer of security to protect your customers data. 

  • Two-factor authentication
  • Password policy management
  • Security for access and data in transit
  • Checks for multiple logins
  • Session timeout
  • Two-way encryption
  • SSL certificate pinning

Provide customers the convenience of depositing cheques via their smartphones at any time and any place. 

  • Accurately scan cheques and transmit to the remote deposit capture system for posting and clearing
  • View list of scheduled and completed deposits

A comprehensive administration module for all back-office operations related to your digital bank.

  • A comprehensive business processing engine enabling a seamless connection with banking legacy systems. It provides banks with centralized and single API communication across multiple systems while reducing duplication of IT infrastructure resources.
  • Full encryption-based communication models with backend systems
  • An intuitive by design community module for banks to connect emotionally with their customers allowing for a fresh engagement model “Banking to do good”. This module supports digital events, real-time communication and engagement management functions.
  • A robust and secure database server to provide enterprise grade data management functionality.
  • Multilingual support
  • Password policy management
  • Security for access, data in transit, and data at rest
  • Checks for multiple logins, idle session time logout, cookies deletion on sign-out, etc.
  • Highly secure two-way encryption, using JWT Tokens, OAuth 2.0
  • SSL Certificate Pinning
  • Open APIs
  • Cross browser compatibility
  • Real time visibility throughout transactions lifecycle
  • Complete audit trail
  • Access and usage logs for use in analytics

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