Looking to serve your customers who don’t have data accessibility? With Fern Software’s suite of Omnichannel solutions, your customers can perform balance enquiry checks without data via a mobile app powered by encrypted SMS technology.
Many financial institutions’ customers have smartphones but have opted not to subscribe to a data plan – they use their smartphone only for calls; SMS; taking photos and playing games, and occasionally go online when they have access to free WiFi.
To enable financial institutions to offer user-friendly mobile banking facilities to these customers, Fern Software offers an Android mobile banking app that communicates with Abacus, our core banking system, using encrypted SMS technology.
This provides your customers with a user-friendly interface and inbuilt security, and enables its use over any mobile network – without requiring a commercial agreement with that network, and without requiring the customer to have a data plan / connection.
The PIN is promoted for every access to the application; no confidential or financial information is ever stored on the device.