Mobile Banking Solution world wide

1. AthenaMobileBankingSolution
Athena Mobile Banking Solution
Scalable and Secure Mobile and Internet Banking
Software Solution.
Athena Mobile Banking Solution

2. Customer
Beneficiary
Statement Bank
Workflowinshort
How Mobile Banking Works
Athena Mobile Banking Solution

3. Request Balance
• Validate Device
• Validate User
• Process Request
• Generate Response
Response
Requestingquerytooursystem
Balance sheet / Mini statement
USSD
Athena Mobile Banking Solution

4. Request Fund T/F
• Validate Process
• Generate Confirmation with
Beneficiary informationConfirmation Message
Requestingquerytooursystem
Fund Transfer
USSD Bank
Customer Confirmation
• Business logic Evaluation
• WS request to Commission agent Perform Accounting
Transaction
Confirmation with
Updated Balance
Athena Mobile Banking Solution

5. Cross-Border Integration with Mobile wallet
MobileMoneyPlatform
Athena Mobile Banking Solution

6. MobileBankingSystem
KEY NOTES
Athena Mobile Banking Solution

7. Accounting–MobileMoney
Smart Accounting
• Rule Engine for Agent Commission
• Rule Engine for Fee Calculation
• Cover Fund Management
• Daily Collection Report
• Daily Disbursment Report
Athena Mobile Banking Solution

8. ComplianceofMobileMoney
WHAT ABOUT DOMESTIC SANCTIONS TARGETS ?
International SANCTIONS Targets screening
Athena Mobile Banking Solution

9. IntegrationwithotherMobilePlatform
Payment Gateway Integration
Athena Mobile Banking Solution

10. • Cashier
• Agent
• Customer
• Administrator
• Software configuration manager
ArmySecurityineverysteps
Some Predefined Role :
Dynamic Role-based Security
Role Customization along with Privilege Adjustment
Athena Mobile Banking Solution

11. • IP Binding
• Audit Logs
• Password Policy
• Double Layer validation process
• Careful WCMS
• Session fixation
• SQL injection, Escaping and many more...
Few more Security
ArmySecurityineverysteps
Athena Mobile Banking Solution

12. InsideLookofyourTransaction
Enquiry management of entire transaction life cycle.
Enquiry Management System
Athena Mobile Banking Solution

13. DeviceCompatibility
Pay from anywhere
Economy Mobile
Rich Mobile
Computer
Tab
Athena Mobile Banking Solution

14. TightlyCompliance
• Linked Transaction with relationship
• Sanction list verification with Auto-update
• Amount limit to send task without any photo-ID
• Amount limit for Address verification
• Legal documents for Corporate Customer
• Source of fund Declaration with Profession
• Declaration amount restriction and many more.
• Daily/Monthly Max transaction configuration.
• Many more and still adding and updating…
Anti Money Laundering Compliance
Need More Compliance?
Athena Mobile Banking Solution

15. ConfigurableandFlexible
• Plug-able logic for Mobile accounting
• Currency conversion rate
• Purpose of Fund Transfer, Photo ID Type
• Distribution Outlet Configuration
• SMS and Email Templating
• Document Attachment
• Theme Customization
• and many more…
Configurable Platform
Athena Mobile Banking Solution

16. Pre-definedRolewithcommonUse-cases
• Customer Registration
• Beneficiary mapping with linked transaction
• Sanction Verification
• Allow online access to customer
• Statement/Reports on remittance accounting
Cashier
Athena Mobile Banking Solution

17. • Customer Registration
• Beneficiary mapping with linked transaction
• Sanction Verification
• Commission Reports
• Transaction Status monitoring
Agent
Pre-definedRolewithcommonUse-cases
Athena Mobile Banking Solution

18. • Internet Banking
• Mobile Banking
• Manage Transaction
• Manage Beneficiary
• Transaction Status monitoring
• Enquiry management
Customer
Pre-definedRolewithcommonUse-cases
Athena Mobile Banking Solution

19. • Send Transaction to Destination Bank
• Cancel Transaction
• Currency posting for Agent
• Update currency conversion rate.
• Apply Role based security
• Manage Sanction List
• Reports on remittance accounting and monitoring
Admin has full control on application, including
configuration, add/edit privilege and can manage
branches and exchange houses.
Power User - Admin
Pre-definedRolewithcommonUse-cases
Athena Mobile Banking Solution

20. ConfigurationforAdvancedUser-iRemittance
• Agent Registration
• Define commission rate
• Update/Apply rule of "Regular fee"
• Compliance Rules Configuration
• System entity mapping
Software configuration manager
Athena Mobile Banking Solution

21. LicenseofMobilePlatform
• Pay As You Go
• Platform as a Service (PaaS)
• On-Premise License.
Type of Software License
Athena Mobile Banking Solution

22. Email,SMSNotification
• Email software generated Invoice to customer
• SMS notification beneficially to receive payment
• SMS notification customer when beneficially get paid.
Notification
Notification mapping with different type of transaction event
Athena Mobile Banking Solution

23. Tools,technologyandplatform
Supported Database Supported Platform Supported Application Server
Application is extensively tested on:
Athena Mobile Banking Solution

24. CostCutofOSandDatabase
No additional license for Database and OS. We recommend to use CentOS as
Operating system and PostgreSQL as database server.
No additional software license
Athena Mobile Banking Solution

25. Tools,technologyandplatformofthisSolution
Tools, Technology and Platform:
Athena Mobile Banking Solution

26. Thank You.
AthenaMobileBankingSystem
Athena Mobile Banking Solution