The apps, which are originally used for teller desks in banks, are the fronts developed by a core banking system engineers. This software is not tailored for payments acceptance, as CBS core is not intended for integration with the service providers. That is why the banks are looking for a solution specially designed for accepting payments.
Teller desk is the software developed for bank teller desk to address the following business cases:
- Increase considerably (e.g. 10 times) the range of payments and transfers available for clients via teller desk in a bank;
- Speed up the service activities and a number of transaction performed by bank tellers;
- Reduce bank costs for configuring and supporting the teller desk software.
Teller desk features:
- Supports all cash-related operations: creating reports, shifts schedule, cash collection, regulatory checks, working with a fiscal data recorder;
- Guarantees convenient and quick work of the bank tellers: scanning bar-codes on the utility bills, auto-filling the forms with the stored data, supporting payment carts, etc.;
- Performs transfers and payments with non-restricted details;
- Provides integration with a large number of providers, and state services;
- Supports complicated payment scenarios;
- Offers the customization settings: adding service providers, changing forms, creating reports, configuring receipt templates.
Bank front-office employees use many types of peripheral equipment from printers to dedicated devices such as cash e-teller. That is why the software solution for bank’s front-office should be compatible with any peripheral devices and can easily adapt a new equipment.
Teller desk supports integration with many devices: printers, fiscal printers, POS-terminals and other (the full list is available by request). Any new device can be easily adopted by a request.
An efficient management of bank branches network implies constant monitoring and remote updating of the teller desks software. If the bank has 20-30 branches or more, a system for monitoring and remote management of the network is required.
Monitoring server is the solution for tracking the network and centralizing the following functions:
- Control the software functionality on teller desks;
- Management and remote upgrading of the Teller desk software;
- Control functionality of peripheral equipment.
Bank front-line staff normally is forced to work with a number of diverse, non-integrated apps: bank core system, CRM, payments services, money transfer systems and so on. Log in and authorization is required for each application. Some apps may have the restrictions for connecting with peripheral equipment. Sometime the same data should be entered in two or more applications. Therefore, the banks aim to combine all required software in a single window.
Unified front app arranges all necessary applications in one window. As a result, the staff can work with a unified software, log in once and switch between the apps with no additional authorization. Light integration works are required to start launching any web-applications as part of Teller desk. These are implementing the Teller desk API and SSO mechanism support.
The benefits of Unified front app:
- All web applications running within the integrated window can connect to any peripheral equipment via standard Teller desk API.
- Any input data are need to be entered only once. For example, when performing money transfers there is no need to duplicate the input (i.e. in the teller desk software and money transfer system.) This save the customer’s time.
Teller desk solution supports accepting payments in cash. When Teller desk is integrated with POS-terminal, it is possible to make payments by bankcard. Along with the Payment Front software, which can be started in the browser window more payment scenarios can be implemented. For instance, the bank branch staff makes a payment or transfer on behalf of a client, when the client shows an ID document and requests for such operation.
Features of Payments Front web app:
- Managing operations between the client’s bank products. For example, payment or transaction from any account. The access is provided when the operation is approved by the client with one-time password or other way of confirmation.
- Payments according to pre-created templates.
- Debiting client’s bank products. For example, cash withdrawal from the client’s card account.
- Biometric identification of client
Business-case: client’s identification at front application based on biometric database. After identification a customer card launches automatically for starting service scenario.
eller desk is Window application. It can be easily integrated with devices such as video camera or fingerprint scanner in contrast to web applications. As a result, a scenario of identification launches in Teller desk, operates in Access Manager and received result sends to front-app responsible for saving client data (for example, Siebel). The app searches a customer card and launches a service scenario.
- Biometric identification of client
Business-case: after client’s identification to request and to present personal offer or recommendation. The feature may be implemented as part of Unified front app in Payments Front or any dedicated solution which launches at the service process.
- Omni channel scenario
Business-case: delivering omni channel service for clients. For example, a bank employee executes a cash loan via a front-app and the client immediately withdraws via ATM.