Retail Internet Banking

Channels
Last updated 13 February 2019

Products
The expectation of rich user experience have led to the development of Channels products where the front end
is designed using the UXP platform.
Channels is part of the Front Office Suite.
The Channels consists of:

l Internet Banking

l Origination (formerly Onboarding)

l Mobile Banking

l User Administration.

Figure: Channels Products.

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Retail Internet Banking

Origination

Origination (formerly Onboarding) is a software component developed to enable Banks to acquire new Cus-
tomers online. It provides a service to prospective Customers which allows them to apply for and be granted a
financial product online pending compliance checks.
Origination consists of a web application plus integration to the Core Banking system. The solution builds on
the Core Banking’s web services (TWS), with the user agent, a web presentation layer, being powered by UXP.
The software is packaged as a separately chargeable module sitting on top of Core Banking and can operate
either in conjunction with Internet Banking or independently.

User Administration

The User Administration solution is used for creating and maintaining Channels users. It was integrated into
Core Banking starting with release 201710. The idea is to have a User Management solution using the UXP plat-
form to provide a good UI for creating and maintaining channel users.
User Administration is an end-to-end solution that supports the management of External Users and Arrange-
ments. User Administration is a user agent which communicates to Core Banking using Product Line Online Ser-
vices and EB.EXTERNAL.USER application to create and manage Internet Banking access. Once created, the
External user provides valid login details to E-Banking Applications such as Internet Banking, or Mobile Banking,
accessed using any Internet-connected devices, for example laptops, mobiles, tablets, smartwatches.

Mobile Banking

Mobile Banking is a standalone mobile banking application providing rich pre-configured retail functionality fully
integrated to Temenos’ leading Core Banking platform. It has been developed using SmartHybrid technology
solution for developing mobile applications that provide a near native experience with fully optimised per-
formance and security.
Mobile Banking combines the very best of native and web technologies and is available for iOS, Android and
Windows phones, providing a rich engaging user experience leveraging device specific features such as camera,
phone book and GPS, being powered by UXP, providing a host of benefits to both to the Bank and its Cus-
tomers.
The actual screens are updated on a server, like web applications, which means that there is no need for the
app to be re-distributed to App store each time changes are made. It also means that the banking Customer
does not need to continually keep updating and downloading their mobile banking app. This makes app dis-
tribution much simpler and increases usage of the app through higher levels of Customer satisfaction.
It’s important to understand that Mobile Banking and Internet Banking are built using the same UXP project
file.

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Internet Banking

Our Internet Banking (IB) solution is developed using UXP. The Internet Banking Model Solutions currently sup-
ports Retail, Corporate, Wealth (CB, TAP/CB, and TAP) application, which supports TAP alongside Core Banking.
Internet Banking provides best in class design incorporating usability, accessibility and security based on mod-
ern web technologies. One of the coolest features is that you may change the entire User Interface (UI) without
interfering with the processes built in UXP, thus various devices can be targeted without redeveloping the logic.
Based on Channels Technology, Internet Banking enables all the Customers of the Bank to manage their fin-
ances conveniently and securely. It can be used on all electronic devices, such as PC, mobile, laptop, tablet and
smart TV, providing maximum choice and convenience to the Customers.

Figure: Internet Banking.

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