This report is only about the information system of THE CITY BANK Bangladesh. NO CONFIDENTIAL data were used in this report. This report can be used only for educational purpose.
Apart from this, there is also a growing realization that the t24 banking software can be deployed on-premise and on a shared infrastructure, while still keeping your existing infrastructure in place.
Are teller line labor costs draining the profitability out of your retail branch network? Find out at this recorded online event - with special guest speaker from Arizona Federal Credit Union.
» See eye-popping proprietary statistics about teller line industry efficiencies.
» Study the trends of branch traffic in the retail banking environment.
» Learn about different strategic approaches from industry experts.
View the recorded webinar
at FMSI.com/pages/120/webinars
Call for Pre-ICO support needs by DIADEM, a very promising startup geared at providing a flexible mobile telecom contract and billing solution built with blockchain technology > https://diadem.one
This report is only about the information system of THE CITY BANK Bangladesh. NO CONFIDENTIAL data were used in this report. This report can be used only for educational purpose.
Apart from this, there is also a growing realization that the t24 banking software can be deployed on-premise and on a shared infrastructure, while still keeping your existing infrastructure in place.
Are teller line labor costs draining the profitability out of your retail branch network? Find out at this recorded online event - with special guest speaker from Arizona Federal Credit Union.
» See eye-popping proprietary statistics about teller line industry efficiencies.
» Study the trends of branch traffic in the retail banking environment.
» Learn about different strategic approaches from industry experts.
View the recorded webinar
at FMSI.com/pages/120/webinars
Call for Pre-ICO support needs by DIADEM, a very promising startup geared at providing a flexible mobile telecom contract and billing solution built with blockchain technology > https://diadem.one
Management information system in banking sectorApoorv Bijekar
MIS in banking, database design, Role and need of MIS, Network technologies, Hardware and software used in MIS, Key features and core functions of MIS, Workflow of MIS in banks, Advantages from MIS
Mobile payments and financial services technology company
Our Mission is to become the lowest cost provider of mobile commerce services and branchless banking to the vast un-banked immigrant populations from Latin America, Asia and Africa and their societies back home
UMS vertically-integrated systems allow for a wide range of flexible solutions for banks and other partners
Technology partner of our Customers.
ventas@bancamovil.com.mx
Digital Transformation in Banking Financial Services Industrysethnainaa
Digital Transformation is more than just moving from traditional banking system to
a digital one. It is a vital change in how banks and other financial institutions learn
about, interact with, and satisfy customer’s needs. The age of “Customer is King”
has truly arrived.
4. e commerce, m-commerce and emerging technologies 2018Ashish Desai
Customized for the students of CA-IPCC.
This study notes will give you the complete about e-Commerce and also a difference between E-Commerce and M-Commerce. It also gives you basic detail about the several emerging technologies like AI, IoT, web 3.0, Machine Learning and more.
This study notes will give you the complete knowledge about Centralized Online Real-Time Environment Banking System. From initially required knowledge to like how the bank works with the list of primary operation it also explains the detailed architecture of banking system with all relevant parameters. In addition, it also gives you the detail like audit procedure with relevant controls. Also gives you the required knowledge of IT Act and Cyber Frauds and more.
Technology Changing The Face Of MicrofinanceJohn Owens
Technology is now changing the face of microfinance by providing new ways to provide financial services to low income households.
This presentation was given at the InterPacific Bar Association Annual Conference in Manila, Philippines on April 30, 2009.
Management information system in banking sectorApoorv Bijekar
MIS in banking, database design, Role and need of MIS, Network technologies, Hardware and software used in MIS, Key features and core functions of MIS, Workflow of MIS in banks, Advantages from MIS
Mobile payments and financial services technology company
Our Mission is to become the lowest cost provider of mobile commerce services and branchless banking to the vast un-banked immigrant populations from Latin America, Asia and Africa and their societies back home
UMS vertically-integrated systems allow for a wide range of flexible solutions for banks and other partners
Technology partner of our Customers.
ventas@bancamovil.com.mx
Digital Transformation in Banking Financial Services Industrysethnainaa
Digital Transformation is more than just moving from traditional banking system to
a digital one. It is a vital change in how banks and other financial institutions learn
about, interact with, and satisfy customer’s needs. The age of “Customer is King”
has truly arrived.
4. e commerce, m-commerce and emerging technologies 2018Ashish Desai
Customized for the students of CA-IPCC.
This study notes will give you the complete about e-Commerce and also a difference between E-Commerce and M-Commerce. It also gives you basic detail about the several emerging technologies like AI, IoT, web 3.0, Machine Learning and more.
This study notes will give you the complete knowledge about Centralized Online Real-Time Environment Banking System. From initially required knowledge to like how the bank works with the list of primary operation it also explains the detailed architecture of banking system with all relevant parameters. In addition, it also gives you the detail like audit procedure with relevant controls. Also gives you the required knowledge of IT Act and Cyber Frauds and more.
Technology Changing The Face Of MicrofinanceJohn Owens
Technology is now changing the face of microfinance by providing new ways to provide financial services to low income households.
This presentation was given at the InterPacific Bar Association Annual Conference in Manila, Philippines on April 30, 2009.
Intersection of Microfinance, Agent Banking & Mobile Money in Africa for Fina...mFino Inc
mFino talks about the intersection of Microfinance, Agent Banking & Mobile Money for Financial Inclusion in Africa at the 4th Mobile Money Expo, Nigeria.
Short introductory set for Mistral Mobile. Whether you are a bank, payment service provider, mobile operator or other type of financial service provider, our innovative and disruptive mobile solutions enable you to service all your customers using their mobile devices. Our solutions give you a straightforward and cost-effective platform for providing mobile payments,mobile banking and mobile commerce services for your customers, your banking agents and for your retailers.
This presentation is based on the data of 2016 about the Green Banking in Bangladesh. We try to show the present situation of Green Banking and observe as well as analyze whether it has any impact on profitability and stock price.
This presentation is prepared by Bikash Chandra Paul!
Finacle - Agency Banking: New Frontiers In Financial InclusionInfosys Finacle
Finacle thought paper identifies agency banking as a new frontier in financial inclusion. It highlights the important features and benefits of banks emerging with non-financial institutions in order to drive business growth.
Sarah Rotman of CGAP was kind enough to present on the basics of branchless banking to NetHope's Payment Innovations Working Group in March 2012, which is open to all NetHope members. Please contact hamilton.mcnutt@nethope.org for more information.
An Introduction to Digital Credit: Resources to Plan a DeploymentCGAP
This is a workshop/course offering guidance in developing new digital credit products. This content is designed for a broad audience of banks, mobile operators, lenders, and fintech firms. It may also be of interest to regulators, policy makers and investors/donors.
With any comments or to request more materials (including the financial model [Excel] or original PPT presentation with detailed presenter notes), please write to cgap [@] worldbank.org.
Smartphones & Mobile Money: Principles for UI/UX Design (1.0)CGAP
CGAP holds that Smartphone interfaces are likely to become the main interface for mobile money use. A well-designed interface will drive growth, profitability, and a much improved user experience. This presentation outlines 21 principles for UI/UX design.
MOBILE.UP - an extendable, pre-built mobile banking product which is also a development framework - providing faster development cycles: new releases every 3 months to keep up with your customers' needs.
Contact us to learn more: http://wup.digital
Experitest & Hexaware on a joint webinar on performance testing for mobile which highlights the need for a Performance Testing Strategy.
The session will show you how to get the most from your testing budget by using mobile testing tools that integrate functionality, performance, load, network virtualization and more in securing the quality of your mobile application.
The session will discuss:
- Today's approach towards performance testing of mobile apps
- Using cutting edge tools, solutions, and methodologies as part of your testing strategy
- A case study highlighting Hexaware’s experience in performance testing of a financial Mobile App
- Demonstration of Experitest’s SeeTest Network Virtualization solution
Speakers:
Guy Arieli, CTO, Experitest
Vinayak Gaur , Head of mobile testing practice, Hexaware Technologies
Experitest joins Cigniti Technologies on a co-webinar discussing mobile application testing in the banking industry and the ways to enable financial institutions to succeed in the digital age.This joint webinar will address the issues mobile testers face:· Security · Legacy issues · Multiple platforms · New operating systems with over 9,000 APIs
Speakers: Guy Arieli, Experitest CTO Sachin Srivastava, BFSI COE, Cigniti Technologies.
TABS, is an integrated software package designed for the mobile, ISP, and traditional fixed network services. This capability provides us with a solution that is already well versed in supporting Local, International. TABS convergent Customer Care & Billing system undertakes the whole billing process of a single converged system and rates all services against a single unified rating scheme.TABS solutions have been implemented in 38 sites for the major telecom groups providing Non stop services for over 100+ customers.
The ITS solution is based on SOA (Service-Oriented Architecture), which helps business owners respond more quickly and in a cost-effective manner to changing market conditions. With SOA, business changes can be easily met through customization rather than traditional custom development, making it easier to quickly implement changes without requiring radical system modifications. The ITS SOA-based solution also simplifies interconnection with and usage of existing IT assets, which facilitates integration with existing systems and increases interoperability.
SunSight - Field Management App for Solar ProvidersrapidBizApps
Request a free demo: www.sunsight.co
Simplify workflow and increase productivity on the move. Get the job done faster and get paid ahead of time.
Here's what SunSight will enable your business to do on the move:
+ Quality Control
+ Time Sheets
+ Install Logs
+ Site Surveys
+ Work Orders
Get complete control and visibility of all the projects at your fingertips. SunSight is designed for professionals solving the toughest energy challenges of today.
MobiWeb - OTP SMS Two Factor AuthenticationMobiWeb
SMS is a technology that has many applications. Today huge numbers of products and services use SMS in a variety of ways. It can be used for additional security in service access and mobile identity verification. Since most of the world population have mobile phones (smartphones or feature phones), businesses can turn subscribers’ mobile phones to tools of additional security.
This guide describes Two-factor Authentication through OTP (One-time PIN) delivered by SMS.
Since its establishment in 1999, MobiWeb is providing global SMS Messaging for B2B, B2C and C2C mobile interaction.
Visit us at www.solutions4mobiles.com
Sudheer Mechineni, Head of Application Frameworks, Standard Chartered Bank
Discover how Standard Chartered Bank harnessed the power of Neo4j to transform complex data access challenges into a dynamic, scalable graph database solution. This keynote will cover their journey from initial adoption to deploying a fully automated, enterprise-grade causal cluster, highlighting key strategies for modelling organisational changes and ensuring robust disaster recovery. Learn how these innovations have not only enhanced Standard Chartered Bank’s data infrastructure but also positioned them as pioneers in the banking sector’s adoption of graph technology.
PHP Frameworks: I want to break free (IPC Berlin 2024)Ralf Eggert
In this presentation, we examine the challenges and limitations of relying too heavily on PHP frameworks in web development. We discuss the history of PHP and its frameworks to understand how this dependence has evolved. The focus will be on providing concrete tips and strategies to reduce reliance on these frameworks, based on real-world examples and practical considerations. The goal is to equip developers with the skills and knowledge to create more flexible and future-proof web applications. We'll explore the importance of maintaining autonomy in a rapidly changing tech landscape and how to make informed decisions in PHP development.
This talk is aimed at encouraging a more independent approach to using PHP frameworks, moving towards a more flexible and future-proof approach to PHP development.
Pushing the limits of ePRTC: 100ns holdover for 100 daysAdtran
At WSTS 2024, Alon Stern explored the topic of parametric holdover and explained how recent research findings can be implemented in real-world PNT networks to achieve 100 nanoseconds of accuracy for up to 100 days.
Observability Concepts EVERY Developer Should Know -- DeveloperWeek Europe.pdfPaige Cruz
Monitoring and observability aren’t traditionally found in software curriculums and many of us cobble this knowledge together from whatever vendor or ecosystem we were first introduced to and whatever is a part of your current company’s observability stack.
While the dev and ops silo continues to crumble….many organizations still relegate monitoring & observability as the purview of ops, infra and SRE teams. This is a mistake - achieving a highly observable system requires collaboration up and down the stack.
I, a former op, would like to extend an invitation to all application developers to join the observability party will share these foundational concepts to build on:
SAP Sapphire 2024 - ASUG301 building better apps with SAP Fiori.pdfPeter Spielvogel
Building better applications for business users with SAP Fiori.
• What is SAP Fiori and why it matters to you
• How a better user experience drives measurable business benefits
• How to get started with SAP Fiori today
• How SAP Fiori elements accelerates application development
• How SAP Build Code includes SAP Fiori tools and other generative artificial intelligence capabilities
• How SAP Fiori paves the way for using AI in SAP apps
GridMate - End to end testing is a critical piece to ensure quality and avoid...ThomasParaiso2
End to end testing is a critical piece to ensure quality and avoid regressions. In this session, we share our journey building an E2E testing pipeline for GridMate components (LWC and Aura) using Cypress, JSForce, FakerJS…
GraphRAG is All You need? LLM & Knowledge GraphGuy Korland
Guy Korland, CEO and Co-founder of FalkorDB, will review two articles on the integration of language models with knowledge graphs.
1. Unifying Large Language Models and Knowledge Graphs: A Roadmap.
https://arxiv.org/abs/2306.08302
2. Microsoft Research's GraphRAG paper and a review paper on various uses of knowledge graphs:
https://www.microsoft.com/en-us/research/blog/graphrag-unlocking-llm-discovery-on-narrative-private-data/
In his public lecture, Christian Timmerer provides insights into the fascinating history of video streaming, starting from its humble beginnings before YouTube to the groundbreaking technologies that now dominate platforms like Netflix and ORF ON. Timmerer also presents provocative contributions of his own that have significantly influenced the industry. He concludes by looking at future challenges and invites the audience to join in a discussion.
Securing your Kubernetes cluster_ a step-by-step guide to success !KatiaHIMEUR1
Today, after several years of existence, an extremely active community and an ultra-dynamic ecosystem, Kubernetes has established itself as the de facto standard in container orchestration. Thanks to a wide range of managed services, it has never been so easy to set up a ready-to-use Kubernetes cluster.
However, this ease of use means that the subject of security in Kubernetes is often left for later, or even neglected. This exposes companies to significant risks.
In this talk, I'll show you step-by-step how to secure your Kubernetes cluster for greater peace of mind and reliability.
Encryption in Microsoft 365 - ExpertsLive Netherlands 2024Albert Hoitingh
In this session I delve into the encryption technology used in Microsoft 365 and Microsoft Purview. Including the concepts of Customer Key and Double Key Encryption.
Essentials of Automations: The Art of Triggers and Actions in FMESafe Software
In this second installment of our Essentials of Automations webinar series, we’ll explore the landscape of triggers and actions, guiding you through the nuances of authoring and adapting workspaces for seamless automations. Gain an understanding of the full spectrum of triggers and actions available in FME, empowering you to enhance your workspaces for efficient automation.
We’ll kick things off by showcasing the most commonly used event-based triggers, introducing you to various automation workflows like manual triggers, schedules, directory watchers, and more. Plus, see how these elements play out in real scenarios.
Whether you’re tweaking your current setup or building from the ground up, this session will arm you with the tools and insights needed to transform your FME usage into a powerhouse of productivity. Join us to discover effective strategies that simplify complex processes, enhancing your productivity and transforming your data management practices with FME. Let’s turn complexity into clarity and make your workspaces work wonders!
GraphSummit Singapore | The Art of the Possible with Graph - Q2 2024Neo4j
Neha Bajwa, Vice President of Product Marketing, Neo4j
Join us as we explore breakthrough innovations enabled by interconnected data and AI. Discover firsthand how organizations use relationships in data to uncover contextual insights and solve our most pressing challenges – from optimizing supply chains, detecting fraud, and improving customer experiences to accelerating drug discoveries.
LF Energy Webinar: Electrical Grid Modelling and Simulation Through PowSyBl -...DanBrown980551
Do you want to learn how to model and simulate an electrical network from scratch in under an hour?
Then welcome to this PowSyBl workshop, hosted by Rte, the French Transmission System Operator (TSO)!
During the webinar, you will discover the PowSyBl ecosystem as well as handle and study an electrical network through an interactive Python notebook.
PowSyBl is an open source project hosted by LF Energy, which offers a comprehensive set of features for electrical grid modelling and simulation. Among other advanced features, PowSyBl provides:
- A fully editable and extendable library for grid component modelling;
- Visualization tools to display your network;
- Grid simulation tools, such as power flows, security analyses (with or without remedial actions) and sensitivity analyses;
The framework is mostly written in Java, with a Python binding so that Python developers can access PowSyBl functionalities as well.
What you will learn during the webinar:
- For beginners: discover PowSyBl's functionalities through a quick general presentation and the notebook, without needing any expert coding skills;
- For advanced developers: master the skills to efficiently apply PowSyBl functionalities to your real-world scenarios.
Threats to mobile devices are more prevalent and increasing in scope and complexity. Users of mobile devices desire to take full advantage of the features
available on those devices, but many of the features provide convenience and capability but sacrifice security. This best practices guide outlines steps the users can take to better protect personal devices and information.
Removing Uninteresting Bytes in Software FuzzingAftab Hussain
Imagine a world where software fuzzing, the process of mutating bytes in test seeds to uncover hidden and erroneous program behaviors, becomes faster and more effective. A lot depends on the initial seeds, which can significantly dictate the trajectory of a fuzzing campaign, particularly in terms of how long it takes to uncover interesting behaviour in your code. We introduce DIAR, a technique designed to speedup fuzzing campaigns by pinpointing and eliminating those uninteresting bytes in the seeds. Picture this: instead of wasting valuable resources on meaningless mutations in large, bloated seeds, DIAR removes the unnecessary bytes, streamlining the entire process.
In this work, we equipped AFL, a popular fuzzer, with DIAR and examined two critical Linux libraries -- Libxml's xmllint, a tool for parsing xml documents, and Binutil's readelf, an essential debugging and security analysis command-line tool used to display detailed information about ELF (Executable and Linkable Format). Our preliminary results show that AFL+DIAR does not only discover new paths more quickly but also achieves higher coverage overall. This work thus showcases how starting with lean and optimized seeds can lead to faster, more comprehensive fuzzing campaigns -- and DIAR helps you find such seeds.
- These are slides of the talk given at IEEE International Conference on Software Testing Verification and Validation Workshop, ICSTW 2022.
Why You Should Replace Windows 11 with Nitrux Linux 3.5.0 for enhanced perfor...SOFTTECHHUB
The choice of an operating system plays a pivotal role in shaping our computing experience. For decades, Microsoft's Windows has dominated the market, offering a familiar and widely adopted platform for personal and professional use. However, as technological advancements continue to push the boundaries of innovation, alternative operating systems have emerged, challenging the status quo and offering users a fresh perspective on computing.
One such alternative that has garnered significant attention and acclaim is Nitrux Linux 3.5.0, a sleek, powerful, and user-friendly Linux distribution that promises to redefine the way we interact with our devices. With its focus on performance, security, and customization, Nitrux Linux presents a compelling case for those seeking to break free from the constraints of proprietary software and embrace the freedom and flexibility of open-source computing.
2. MOBILE SOLUTIONS ENABLE BILLIONS OF PHONES
TO BE AGENT (AND RETAILER) TOOLS
Traditional approach
•
•
Capital expenditure for POS
terminals high
Custom application
development, deployment and
maintenance on POS terminals
expensive
•
Limited user interface
•
Connectivity limitations due to
mobile data and internet
requirements
Mobile solutions
No need for HW investments on POS
terminals
Full remote feature management to enable
future-proofing with single deployment
Intuitive usage experience through natural
workflows
No constraints on mobile data availability
2
3. AGENTS CAN PERFORM ALL CUSTOMER
SERVICING WITH THEIR MOBILE DEVICES
Account opening with KYC data
capture (and biometric support)
Cash deposits and withdrawals
Bill payments
Payment of salaries
Local money transfers
Balance inquiries
Loan dispursements and
repayments
Etc…
3
5. TIME TO MARKET DRAMATICALLY REDUCED WITH
TO ENABLE
REMOTE CONFIGURABILITY
ANYONE WITH
ANY TYPES OF
MOBILE PHONE
AND SERVICE
George is an agent/retailer for the
Bank and uses mobile solution for
customer servicing
…and publishes that to all their
retailers and agents
Retailers can
now provide
bill payment
services
Bank has given go-ahead to allow retailers
to provide new services to the customers
George now gets a note that there is
an update
Bank’s product manager is
configuring the new features with
the admin console…
George is immediately able to start
5
offering bill payment services to his
customers
6. DEPLOY ONCE, MODIFY MOBILE FEATURES FULLY REMOTELY
AND ALMOST INSTANTLY
New products development timeframe: Mistral vs. Alternative solutions
Total:
Alternative
Solutions
1 week 1 week 1 week 1 week
Change Internal budgeting
requested approval
3 weeks
Scoping
Coding
with
of new
app
app
developer
2 weeks
Testing
6 months
8
months
All users have updated
to the new version
Initial
distribution
-98%
Total:
1 day
2 hours
Change PM defining
prefunction in
approval Mistral
admin tool
3 days
Pre-prod
verification
& testing
2 hours
4+ days
Time-ToMarket
Unlocked
With the
Mistral
Mobile
Distribution
to all users
6
7. IN-HOUSE CONFIGURATION OF FEATURES SIGNIFICANTLY
REDUCES MAINTENANCE COSTS
System lifetime costs: Mistral vs. Alternative solutions
Development
Savings Unlocked
With Mistral
Mobile
($)
Additional functions:
• Add Product
• Add function
• Revise function
• New device platform
• Most functions, considered as
additional by other providers, already
embedded in Mistral standard
solutions
• Security
modifications
Standard function
Alternative
Solutions
Additional and
standard functions
Mistral
Mobile
• Mistral standard solutions allow you
to add new products, new
functions, new device
platforms, revise a function and
much, much more!
• Very fast time to market for any new
feature
• Much lower cost
7
9. NATURAL WORKFLOWS SUPPORTED BY GRAPHICAL
INTERFACES REDUCE THE ERRORS AND SUPPORT CALLS
Enhanced user experience
Text-based UIs
Vs.
Graphical interface
Very intuitive and seamless experience foster higher usage and less
errors causing support calls
Features updated instantly and automatically induce higher usage as they
provide more servicing capabilities for the agents
9
11. AGENTS CAN ALWAYS TRANSACT, IRRESPECTIVE OF MOBILE
OPERATOR AND MOBILE DATA AVAILABILITY
Market Reach: Mistral vs. Alternative solutions
(%)
100%
No data
subscriptio
n or
network
available
Single
operator
market
share
rarely
>35%
1-30%1
1-35%1
Increased
Scalability
Unlocked With
Mistral Mobile
• Mistral solutions use any type of
broadband connectivity to reduce
SMS on user and client side
Alternative
Solution
Single Mobile
Operator
Mistral
Mobile
(Data connection)
(SIM or USSD)
(any network, any
subscription)
• However, where no data connectivity
is available, application automatically
reverts back to SMS or voice
connectivity
• Hence, no transaction is lost through
the versatile connectivity inducing
higher revenues for the client and
higher satisfaction for the end user
11
12. EVOLVING THE AGENTS TO BECOME
MERCHANTS AND ACCEPT PAYMENTS
Leveraging the same mobile
solution framework, agents can
be upgraded to be paymentaccepting merchants
This allows scaling the agent
network to become a payment
acceptance network and scaling
up beyond traditional POS
terminal –based payment
acceptance
12
14. MOBILE SOLUTION CAN FUTURE-PROOF YOUR
INVESTMENTS
$ = Deploy once, add and modify features with remote configurability to
add new revenue streams through agent and retailer services
$ = Reduce maintenace cost through remote configurability
$ = Increase the usage willingness and reduce support costs through
intuitive user experiences based on natural workflows
$ = Scale your reach – network reach and expanding the services scope
14
15. THANK YOU!
…AND WATCH OUR VIDEO
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PETER.OLLIKAINEN@MISTRALMOBILE.COM
TEL +358-50-4872668
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