omnichannel banking

solutions

Omnichannel banking software with your customers’ unicity in mind covering ATM, internet banking, mobile banking, app, POS, switch and card.

AT CR2, WE CREATE

CR2 was born when internet connectivity started becoming embedded into each and every aspect of our lives. We began our journey focusing on internet and mobile banking with the objective to enable banks to interact with clients on an individual level and provide unique tailored products and services on their self-service channels.

Naturally, we soon realised that in order to service our customers exceptionally, we had to be truly omnichannel. As such, we acquired Interlink, a provider of ATM solutions which had over 15 years’ experience servicing leading banks across the globe. With ATM now added to our product mix, all channels ATM-Internet-Mobile were linked together cohesively. For us, the challenge was to empower the self-service channels in recognising not only a card or a password, but a unique person with unique requirements. Constantly driven to create a unified self-service platform, CR2 became a pioneer in providing this to retail banks. Even today, CR2 is one of the very few providers in the market offering a modern truly omnichannel approach.

A BRIEF HISTORY OF THE FUTURE.

CR2 software is specifically designed for fast growing banks with a vision. Banks with a vision to reach out to their customers through the self-service channels, a vision to empower their network with advanced products and services, a vision to let customers simply bank their way.

Today, CR2 continues to heavily invest in research and development. We are proud to have been the first to launch many new ways of banking such as P2P mobile payment, card deactivation from a mobile phone, personalisation at every touch point and a domestic remittance system using the entire self-service network. We believe in the value of delivering cutting-edge services to our clients to constantly keep you ahead of the competition.

From our origins to today, none of this would have been possible without the support of our founders, investors, partners, developers and our entire passionate and talented team. We are obsessed with how technology provides convenience to our clients, and their clients, while still maintaining the personal touch.

Our self-service banking software, BankWorld, is developed specifically with your bank, your customer and your market in mind. In today's modern fast growing markets with their diverse customers and competitive marketplaces, we know that offering one-on-one individualised customer experiences and rich functionality is key to the success of your bank. Our omnichannel product portfolio has a duality of purpose to ensure we work together to reach all your financial, operational, and social goals. With BankWorld, you can not only attract and retain high-activity profitable customers, but also service mass market and lower-activity customers in a cost effective way. At CR2, we understand that one size does not fit all.

At the very heart of the BankWorld omnichannel vision lies a unique 360 degree view of each of your customers’ entire banking relationship. This information is a powerful tool which will allow your bank to segment and tailor your offerings, products and services across all channels. Imagine for example a high-net worth segment customer approaching your ATM to withdraw cash, entering their PIN number and being presented with a screen and service options which are personalised to their needs. Pre-approval for a platinum credit card, the option to renew their car insurance, or simply send cash quickly to their student son or daughter, all of these tailored and actionable services are possible thanks to BankWorld.

At CR2, we continually work with your bank to not only create and facilitate optimum customer experiences, but also to simplify your banks operations. Our technology is not just linked or plugged together as with many other solutions on the market, it is purpose built as one complete offering with each channel working seamlessly in unison. This means less complexity for your bank not only in managing your network, but importantly, new channels, products, or devices can be introduced easily, allowing your bank to succeed in highly competitive landscapes and lead the technology revolution.

BankWorld, our omnichannel integrated platform, manages and personalises all self-service channels: ATM, Kiosk, Internet Banking, Mobile Banking, POS, and Cards. With BankWorld, you can manage, transact, design, personalise, sell and even measure your activities all from our unique platform.

At CR2, we believe in creating results together. By focusing on your customers’ self-service banking needs, we help you to deliver the meaningful and personalised banking experiences to support each individual customer, as just that, an individual.

WHAT WE DO HERE AT CR2.

OUR MISSIONOur mission is to be the global market-leading supplier of innovative self-service banking software in fast growing markets.

To continue to develop truly innovative omnichannel solutions for the banking challenges of today, tomorrow and beyond.

To help your financial organisation personalise your self-service channels efficiently and quickly.

To put your self-service channels to work, we enable them to be a significant contributor to your revenues.

To free up branches to focus on higher value transactions by migrating regular transactions to the self-service channels.

Embrace customer diversity, serving all types of customer in a simple, effective and cost efficient way.

Serve different roles within your bank, from IT to marketing to ensure our software is easy to use by all and simplifies processes throughout your organisation.

Make banking human, allowing you to deliver individualised, one on one interactions with your customers.

Build a better world through financial inclusion.

WHAT MAKES US DIFFERENT?At CR2, we believe in working alongside you to create real and lasting satisfaction for both your bank and your customers. Our team are passionate about providing personalised customer experiences which exceed expectations and support the diverse customer base of fast growing markets. We deliver solutions that:

CR2 SOLUTIONS PORTFOLIOOur business is to ensure that when your customers use your self-service banking channels, they see a functionality rich, personalised experience which lets them bank their way. By designing our products specifically with your customers in mind, we have developed a product portfolio which simplifies this process for you and creates a more human banking experience for your customer.

BankWorld integrated self-service platform Our BankWorld integrated self-service platform gives a true omnichannel experience in every sense of the word. Through our omnichannel vision, your bank's self-service channels are not merely linked together, they are developed in unison. For you, this means less complexity, an unrivalled 360 degree customer relationship view and the freedom to add new channels, devices or products at the touch of a button. For your customers, this means exceeding their expectations and providing personalised experiences which are as unique as the individual. Each of your customer segments from student to high net worth, can be offered tailored and actionable services and offers, suited to their specific market segment across all channels. Accepting fast loans, purchasing money vouchers or buying cinema tickets has never been easier regardless of when, where, or on what channel your customer wants to bank. A vendor agnostic solution, BankWorld simply works with what you already have, removing complexity and risk for your bank while providing a consistent experience across channels with powerful security functionality. With BankWorld, the customer remains at the very heart of the process.

BankWorld ATM and KioskAt CR2, we understand that the ATM is a trusted device to your customers. With BankWorld ATM, we focus on how your diverse customer base uses this channel use this information to create a unique experience for each user. With personalised screens, instantly actionable offers and powerful market leading services, BankWorld ATM goes above and beyond your customers’ expectations.

For your bank, your technical team can use BankWorld to monitor, support, and ensure your ATM and kiosk networks realise maximus up-time, while your business team can focus on designing and personalising the ATM and kiosk offerings to individual customer segments.

CardWorldCardWorld is our complete end-to-end card payment, management and processing suite. It stretches from card application, approval issuance and online authorisation to statements, payment collections and interest application. It also supports the issuing and acquiring of local and branded debits cards as well the acquiring of credit cards including Maestro, Visa, MasterCard and Union Pay.

BankWorld InternetIn today’s fast paced banking marketplace technology is constantly changing. One thing that will never change is the importance of personal communication with your customer and we at CR2 pride ourselves on providing you with this link between technology and one-on-one communication with your customer. We have specifically developed BankWorld Internet to make online banking personal and have designed our offering with your customers in mind.

With internet usage in fast growing markets ever increasing, BankWorld internet makes simple for you to customise your internet offering and design your own campaigns, your

way. At CR2, we give you ownership of your internet banking solution, allowing you to launch campaigns quickly and simply without relying on external vendors.

Fraud ManagementCardWorld FraudTrap, is CR2’s rule based real time fraud detection solution. It is fully integrated with our Card Management system and can automatically decline suspicious transactions, protecting your bank from common industry threats such as card skimming attacks and card-not-present fraud.

BankWorld POSBankWorld POS is an original point of sale acquiring and payment system. It enables you to acquire transactions from merchant POS terminals, perform settlements and reconciliations and route them to the appropriate network such as Visa, MasterCard or UnionPay.

BankWorld MobileWith growth in global smartphone penetration an ever present news trend, we at CR2 have developed BankWorld Mobile with your world in mind. We work alongside you to deliver a mobile banking experience which can cater to your diverse customer base regardless of what device they are using through SMS, Apps, USSD, and mobile web. Our mobile

banking solution can be adapted to suit your bank’s needs and the needs of your customer and we will continue work alongside you to create results together.

CR2 has designed a range of innovative omnichannel banking products that will truly differentiate your bank. View and pay bills in one place, transfer money from any device, switch on/off your card and much more.

INNOVATIVE OMNICHANNEL PRODUCTS AND SERVICES USED BY CR2 CUSTOMERS

BankWorld Pre-Paid Cards

BankWorld Pre-Paid Cards allows you to offer prepaid card services to corporate, retail and government customers. BankWorld Pre-Paid Cards are a convenient and secure alternative to cash or credit cards for corporate as well as retail consumers. It gives corporate customers the flexibility to disburse salary or provide staff with travel cards, as well as offering online or family cards to individual consumers, all while keeping the accounts safe.

BankWorld Card on/off

BankWorld Card On/Off provides the capability for clients to switch on or off their card at their convenience to ensure peace of mind. The card can be instantly switched on or off directly from the mobile or internet channels.

BankWorld Instant Cash Transfer

BankWorld Instant Cash Transfer enables you to securely provide electronic cheque services to customers as well as non-customers straight from the ATM, online and mobile banking channels. These e-cheques can then be used to remit funds to anyone across the domestic market. The recipient can simply redeem cash at the ATM channel or alternatively through a network of merchants or agents.

BankWorld Fast Loans

BankWorld Fast Loans provide your bank with the capability to pre-approve a group of customers for a loan, define the terms, fees and conditions, and push this offer across all channels. In certain markets, CR2 banks have increased their loan revenue by 30% at the ATM using BankWorld, without reducing their loan sales in branch.

BankWorld Smart Sales Campaigning

BankWorld Smart Sales Campaigning is a powerful segmentation solution which enables you to not only analyse your customer data, but most importantly, to send personalised product and service offers to specific customer groups based on their lifestyle. Using BankWorld, you can efficiently and cost effectively create, design and roll out segment specific marketing campaigns on any or all of your self-service channels.

Our extensive range of robust, cutting

edge solutions give you the potential to exceed customers’ expectations and deliver the

right product, at the right place, at the right time.

CR2 SOLUTIONS AT A GLANCE

Omnichannel Banking

BankWorld Integrated Self-Service Platform

BankWorld Smart Sales Campaigning

BankWorld Segmentation

BankWorld Product Factory

BankWorld Instant Cash Transfer

BankWorld Card to Card Transfer

BankWorld P2P

BankWorld Fast Loan

Internet Banking

BankWorld Internet for Retail

BankWorld Internet for SMEs

BankWorld Internet Responsive Design for Mobile and smartphone devices

Mobile Banking

BankWorld Mobile SMS

BankWorld Mobile App for Smartphones and Tablets

BankWorld Mobile USSD

ATM / Kiosk Banking

BankWorld ATM/Kiosk Manager

BankWorld ATM/Kiosk

BankWorld ATM/Kiosk Distributor Client

BankWorld ATM/Kiosk Support Tool

BankWorld ATM/Kiosk Studio

BankWorld ATM Custodian

POS Solution

BankWorld POS

Card Management

CardWorld Acquirer

CardWorld Issuer

CardWorld Producer

CardWorld FraudTrap

BankWorld Pre-Paid Cards

Card On/Off

BENEFITS OF USING CR2 SOLUTIONSOur proven expertise allows us to offer these solutions:

ATM & Kiosk

Internet Banking

Mobile Banking

Card Management

Reaching customers through self-serviceWith over 80% of transactions now happening on selfservice channels, banks require a powerful platform to migrate transactions out of the branch while continuing to cross-sell and up-sell to customers. At CR2, we have spent years designing and supplying solutions to retail banks of all sizes across the globe. With BankWorld, our integrated omnichannel platform which handles an extensive range of transactions from the selfservice channels, we can empower you to effectively promote products and services to your customers while consistently improving their interaction.

Responsive sales campaigning channelsBankWorld Smart Sales Campaigning enables the design and delivery of personalised offers to your individual customer segments at every level, allowing you to create rules which will display a promotion or set of transactions for each group of clients. Offers can be accepted by your client directly at the ATM, online or on mobile and the product can be delivered right away depending on its nature whilst generating new revenue. Not only are the campaigns timely and relevant to your customer, the text, menu and display also adapt to the customer’s device thanks to our single integrated platform.

All channels and customer relationships managed in one placeBankWorld allows you to manage your entire customer relationship at every touch point from a single platform, be it ATM, kiosk, online banking, mobile banking and POS devices. It helps you increase your sales through self-service, achieve a real omnichannel strategy and enhance your customer experience, regardless of the chosen banking method. Payment switching, price settings, product launch, sales and marketing, channel parameters and customer information are all enhanced with BankWorld.

Segmentation and personalisation capabilitiesBankWorld allows you to define individual customer segments and create bespoke user interfaces including look and feel, a tailored set of transactions and personalised offers. By reaching the right customer at the right time and on the right channel, BankWorld also helps you to increase your customer product ratio. In addition, BankWorld has the power to on-board new customers with a set of services available to all users such as bill payment and remittance services at every touch point.

Easy managementBankWorld includes a full suite of channel management tools to design, support and control all self-service channels. Your business and technical departments will have their own set of solutions focusing only on their core activity, helping bring your bank to the forefront of the industry. As an example, your marketing team can design and launch campaigns on your electronic channels without outside technical assistance. As banking security is a primary concern for clients, BankWorld is built with state of the art security features and operates in compliance with the latest industry standards: EMV, PA-DSS, 3DES, Windows 7, one time passcode, multichannel authentication and more.

Customer control channelsThe new technology era has dramatically changed customer behaviour including the way we bank and purchase items on the move. BankWorld provides extensive and innovative features which give your customers the power to manage their own money. It not only drives action to purchase new products at every touch point, but enhances the customer experience with a seamless, consistent and interactive offering across all channels. Now, even new customers can on-board themselves using your e-channels.

CR2 solutions are designed with the objective of helping you to reach your goals of:

Costs reduction through the adoption of a single omnichannel platform

Revenues generation through innovative products and services as well as targeted campaigns

Customer satisfaction with a personalised approach and the delivery of convenient and easy banking

CLIENT TESTIMONIALS“We aim to offer the best customer experience in Nigerian banking and our collaboration with CR2 has helped us in achieving this goal. Ensuring that we can reach customers who cannot easily access the branch is an important part of that – with BankWorld we have been able to provide members of the unbanked population with not just basic banking services but also high-level functionalities at the ATM, internet and mobile channels.”

Head of the Transaction and Electronic Banking Division, Diamond Bank

“CR2 has the right international footprint to assist us in all countries, big and small. We work together as a partner to find the right solutions that meet both our international and local requirements. At Standard Bank, we have a team in charge of rating our suppliers every quarter, CR2 has been sitting in the top 10 of this list since 2003.”

Director of Information Technology and Business Maintenance, Baltic International Bank

“We have substantially improved customer service levels using CR2’s BankWorld online and mobile banking platforms. BankWorld enables our relationship managers to act as private bankers who provide very efficient and confidential services to customers who only care for the best. Each personal banker gets a unique view of their customer’s entire portfolio of accounts making it easier for them to quickly answer customers’ requests and provide best in class customer care 24/7 online or via mobile.”

IT Director Africa, Standard Bank

“There has been a significant uptake of our internet banking channel since its launch. BankWorld delivers a unique personalised banking experience to each customer (retail or corporate) accessing our online banking channel. We are very pleased with the high level of support provided by CR2’s professional services team and look forward to further developing our self-service strategy with CR2 in the future.”

Deputy General Manager, Bank of Sharjah

CR2 SERVICESBy selecting CR2, you can rely on unparalleled expertise in retail banking and a team of professionals completely devoted to your success.

ImplementationCR2 uses our extensive experience of retail and SME banking to guarantee the best delivery and implementation for all of our solutions. Whether you are implementing CR2 solutions for the first time or upgrading to a new CR2 solution, we will ensure a smooth and seamless transition. When working with CR2, your bank is engaged in a proven process to make sure that all strategic objectives are met and an efficient migration is accomplished. CR2’s solutions can be integrated seamlessly with a single or multiple backoffice systems and since BankWorld’s creation, we have implemented solutions to over 65 different back-office systems including leading and proprietary systems. We serve banks in over 60 countries in developed, developing and emerging markets. By selecting CR2, you are selecting an established international partner with local knowledge.

TrainingCR2’s objective is to ensure your staff are equipped to operate our solutions. CR2’s training program ensures that your own staff are empowered to take complete control of the management of your electronic channels and can deploy products, services and new branding without relying on any external vendors.

Project managementCR2 understands the complexities of an implementation and the required support of channel management software. Our Professional Services division has developed a proven project methodology which is based on extensive experience managing CR2 projects and installing CR2 products worldwide. During your migration to CR2 solutions, an entire team is focused on the smooth transition for both your bank and customers.

Customer supportCR2 has several customer service centres located on different continents and in different time zones to guarantee our customers get the best possible coverage to service their needs.

ComplianceMeeting industry standards such as PA-DSS, EMV and 3DES is essential to maintain safe and seamless banking for customers. CR2 makes sure that our banking solutions meet the industry’s compliance standards, enabling your bank to provide impeccable service across the globe.

CR2 Headquarters in Ireland9 Beckett WayPark West Business ParkNangor RoadDublin 12IrelandTel +353 1 443 9110Fax +353 1 443 9101

CR2 in IndiaChetana Towers, No 19/1, 3rd Floor Infantry Road Cross next to Medinova Diagnostic Bangalore 560001 India Tel +91 80 4241 9800 Fax +91 80 4241 9888

CR2 in RomaniaOffice C2VB, 2nd Floor Building C2, United Business Center 3 7D Palas Street Laşi County, Romania

CR2 in AustraliaLevel 2, 369 Newcastle Street Northbridge 6003 Perth Australia Tel +61 (0) 8 9328 28 28 Fax +61 (0) 8 9328 757

CR2 in JordanQueen Rania Street Abu Al Haj Complex 2nd Floor, Office 207/208 PO Box 930752 Amman 11193 Jordan Tel +962 6 516 3122 / 3124 Fax +962 6 516 3123

CR2 in South AfricaOxford Gate Hyde Park Lane Cnr William Nicol and Jan Smuts Johannesburg, South Africa Tel +27 (11) 280 6614 Fax +27 (11) 280 6610

CR2 in the UAESheikh Zayed Road Millennium Plaza Tower 10th Floor PO Box 62187 Dubai United Arab Emirates Tel + 971 4 331 5414 / +971 4 387 5200 Fax + 971 4 331 5480

CR2 in EgyptSmart Village Km 28 Cairo Alexandria Desert Road Building B2401, SMARTZONE Office 80176 October 12577, Egypt Tel +202 35358017 Fax +202 35350549

CR2 in SingaporeLevel 40, Ocean Financial Centre 10 Collyer Quay 049315 Singapore Tel +65 6232-2908 Fax +65 6232-2888

CR2 offices are strategically located across 4 continents and in different time zones to ensure the best coverage to service customer’s needs. CR2 successfully serve over 100 banks in developed, developing and emerging markets across 60 countries and 4 continents.

CR2 AROUND THE WORLD