VBN cloud-based platform engineered to deliver fast and comprehensive financial inclusion services.
VBN Enterprise is a comprehensive financial suite to directly acquire, track, and service customers through the Internet or mobile devices, or cloud. VBN Enterprise provides the required functionality to facilitate and expedite customer management, networks, product offerings, settlements, accounting, reporting, and business governance while providing real-time processing for the financial services requirements. Powered by the VBN banking engine, VBN Enterprise is equipped to support true relationship banking. It provides customers with real-time access to banking services such as deposits, account inquiries, and fund transfers. VBN Enterprise has pre-configured parameters and supports multi-lingual operations and multi-entity rollouts.
VBN Mobile is a set of banking software components covering front-end and back-end account processing with a real-time dedicated module specifically designed for mobile device interactions. VBN Mobile supports the interaction using multiple access channels, including internet-based protocol calls, mobile operators USSD, and SMS (in and out). The VBN Mobile layer guarantees user authorization and access to the back-end processing functions. VBN Mobile supports the SMS gateway interactions, the HTML5 standard for desktop, tablet, or Smartphone interactions, and USSD or SMS for simple GSM based phones. VBN Mobile can operate with multiple mobile platforms and standards.
VBN Inclusion enables banks, telecoms, and MFs to serve the unbanked and the under-banked with a new generation of financial products. VBN Inclusion supports multi-channel delivery with high level of operational efficiency while enabling regulatory compliance across emerging markets. VBN Inclusion is designed to support true relationship banking. VBN Inclusion enables the end customers to access their accounts through a business correspondent network. The bank’s field staff and extended correspondent network is, in turn, enabled to support customer registrations, cash transactions, and both inquiry and request services. VBN Inclusion provides a two-way messaging infrastructure to alert field agents and bank staff through SMS.
VBN Analytics is a powerful real-time analytical framework to update instantaneously statistics and models as soon data are changed or acquired. VBN Analytics enables microfinance, banks, and telecoms to predict behavior and outcomes. VBN Analytics has been structured to handle real-time complex and dynamic business processes. VBN Analytics solves the urgent need to embrace the prediction stage. It provides a new approach to business process management by dynamically analyzing streams of data and events, utilizing data analytics and business rules to make real-time decisions, facilitating automation, and providing exception alerts required to accomplish the objectives of a specific financial program.
The result of significant amount of R&D
VBN Enterprise features straight-through processing and real-time event-driven architecture. VBN Enterprise delivers a broad banking system with a completely customer-centric database. It runs on a variety of fully scalable HW/SW platforms. VBN Enterprise consists of multiple banking subsystems covering the major functions of an international bank. From Loans/Deposits to Foreign Exchange and Reporting, VBN Enterprise supports an incremental, evolutionary implementation approach, reducing the risks in new development or integration projects.
VBN Mobile combines the benefits of Internet banking with the power of mobile devices, and provides quick access to account information. With VBN Mobile, account holders can navigate easily through menu options to transfer funds, view account balances, and access account history. VBN Mobile, with other vital financial services, can provide new opportunities for the unbanked. It can help to reduce poverty, create new jobs, and provide easy access to financial resources, especially during disasters, when access to money via cell phones can be crucial.
VBN Inclusion is a low-cost channel to bank the unbanked that reinvents financial services delivery with agile processing techniques and a new automation paradigm. VBN Inclusion provides great ease of operation. Financial operators can deploy VBN Inclusion to customers using from basic GSM featured mobile phones to smartphones. Sales networks representative can capture base data from prospective customers for the KYC and scoring process via online, real-time or deferred interactions with the centralized system, when connectivity is available.
VBN Analytics extends the state of the art in information technology, by responding in real time to events and business requirements, and by continuously analyzing data in real time, disruptively in contrast to batch analytical solutions. VBN Analytics controls consistency of customer experience across data distribution channels. VBN Analytics understand and address customer needs across diverse segments. It manages the existing users’ history to predict cost effective new micro credit programs for underbanked and unbanked