Leverage on our extensible digital platform and open APIs exposed to the outside world, offering considerable benefits to your customers by making their banking easier.
Omnichannel Banking Solution
CapitalDigital™ is more than just a software, we are an omnichannel banking software that keeps you up to date with all the digital revolution. We adapt to our customer needs, and we are fully customizable. This allows us to ensure that your customers can bank on their own terms. Our solution also delivers simplification to your customers’ banking with our innovative and intuitive interface design and features.
CapitalDigital™ is a digital banking solution that delivers all your banking services to your customers wherever they are and whenever they need through an Omnichannel experience. Customers’ banking journey starts with our cutting-edge digital onboarding that ensures a seamless digital experience. CapitalDigital™ helps in meeting customers’ ever-growing expectations from executing their daily transaction, checking their balances, opening new accounts to applying for new cards and loans.
With its scalability and integration capabilities, CapitalDigital™ is ready to be your bank’s partner for the future.
Empower your customers with personalized and innovative digital banking that offers them accessibility to their accounts via different channels to carry out their banking needs. With CapitalDigital enabled channels, your customers can begin a banking task on their cell phone, then update it on their tablet, and finalize it on their computer. The solution technology can offer this capability by :
- Automatically bookmarking the customer’s last activity and saving the information when exiting
- Seamlessly redirecting the customer at login, to where they left off
- Natively displaying the content relative to the type of device they are using (Responsive UI)
- Operating across a variety of platforms: smartphones, tablets, and computers
Publish on app stores and let customers bank on-line or offline (when no internet connection is available) with their mobile device by leveraging native device technologies like fingerprint recognition, facial recognition, camera, contacts, and push notifications. You will be able to use the published app to communicate your product offerings and banking services to your customers. CapitalDigital Mobile app allows your customers to:
- Check their accounts, cards, loans, and other financial tools through a visual dashboard
- Perform daily transactions and transfers
- Communicate with your bank through different tools and channels
- Request services and apply for products
- Pay their utilities bills
CapitalDigital Online Banking module save your client the hassle and time needed wasted on visiting the bank to perform their daily transactions. Banks that have implemented CapitalDigital were able to expand their market reach and improve time to new markets without having to bear the cost of new branches. Through our CapitalDigital Online Banking, your customers will be able to:
- Transfer funds and make payments: domestically and internationally, between own accounts or to third party accounts, and execute bulk payments
- Access account information: access accounts/transaction details, view debit/credit cards and investments, View/download/print statements
- Initiate actions, requests, and communications: open/close accounts, manage service requests send secure email with attachments via the message portal
CapitalDigital boosts your ability to acquire customers through its user-friendly Customer Onboarding feature. This feature allows customers to apply online to become customers of the bank, open a bank account or apply for a loan.
The solution employs the latest technology that verifies and confirms an applicant’s information to open a bank account, by integrating with an OCR engine, uploading snapshots and signing documents electronically, digitally or physically. For loan applications, the customer can submit high level financial information online, and within minutes receive confirmation of eligibility.
CapitalDigital enables you to consistently deliver a simple and intuitive customer banking experience that can be personalized by each of your customers. The solution equips you to deliver a high degree of personalization through multiple customizable elements, which in turn gives your customers the power to tailor their digital banking experience according to their own preferences.
Be more accessible and build more personal relationships with your customers with our Multi-Channel Interaction Module. With CapitalDigital, you can offer your customers real-time support through:
- Video and Audio conferencing and Chat sessions that are safe and secure.
- Whatsapp chat assistant
- Message Center that gives you the chance to send personalized messages to groups of your customers based on a set criterion (Age bracket, gender, marital status, type of product held…).
- Digital Assistant which offers chat and voice-based assistance by answering pre-formatted queries, engaging in dynamic dialogs, providing general product information and real-time status on outstanding processes.
CapitalDigital solution includes the most advanced and robust security protocols that safeguard the privacy, data and assets of your customers and your bank. You can enforce secure and authorized access through :
- Authorities and Approvals – another level of security at the customer or banking staff level to further protect accounts, limits, and transactions.
- Login security & Authentication – a variety of security types for login and authentication that will increase the level of safeguards on particular accounts or across all the customer’s accounts. Types of authentication mechanisms include Username and Password, OTP, Tokens (Vasco, etc.), Matrix and any combination of the above
- Passwords – determine your bank’s strong password creation parameters, frequency of password change and account lockout process.
- Biometric Authentication – Take advantage of devices security by setting up Face Recognition and Fingerprint accuracy to set up a biometric security process by having individuals confirm their identity.
- QR Codes – Create a personalised QR codes that you can share with your employees to login to their user portal.
CapitalDigital includes many tools and features that encourages your customers to manage their money efficiently :
- Savings and Budgeting : Customers can virtually plan and categorize their funds to meet savings goals or budget goals. Using our Savings and Budgeting module, you can make it easy for your customers to plan and achieve their savings plans.
- Intuitively move money from their accounts to saving buckets
- Schedule transfers buckets
- “Snap Save” – spontaneous reminders for clients when they are online
- Monitor goal progress with automated, user-defined alerts
CapitalDigital’s Administration module enables you to manage features available for your customers, set-up security levels for login and transaction processing, and monitor analytics and statistics on your clients’ actions and requests. This allows you to maintain complete environment control while giving your customers a personalized experience.
CapitalDigital supports your Branding and Marketing efforts by allowing you to personalize your customer interfaces that include :
- Background image(s) for the login screen
- Checkbook design catalog
- Products and services cross-promotion
- Standard email texts sent to your customers
Manage and control portal set-up such as online transaction currencies, authorized transaction types, authorized accounts by user…. Manage both employee and customer profiles and permissions all through one channel :
- Track activity and events requiring additional action
- Create and manage profile templates and profiles
- Monitor all activities through complete Audit Trail
Automatically maintain, review, and analyze multiple sets of customer statistics regarding your customer usage and engagement. CapitalDigital’s analytics tools facilitates taking intelligence-based decisions around :
- Customization of the customer’s personal dashboard
- Customers upsell and cross-sell opportunities
- Product support and development plans
- New product development and value-add services