BANKWORLD | BANK ON THE FUTURE WITH TODAY’S TECHNOLOGY CR2.COM

Today’s solution for tomorrow’s self-service bank

BANKWORLD POS

The adoption rate of POS terminals worldwide is on the rise as mobile payments and contactless are gaining favour over cash transactions. As the POS channel becomes more popular, banks must ensure that they have the right solution to deliver the advanced technology that their customers demand.

CR2’s BankWorld POS platform provides your bank with a merchant and teller solution that is fully EMV and PCI PA-DSS compliant. With BankWorld, your bank can acquire transactions from merchant POS terminals and route these transactions to the appropriate card network.

As the popularity of mobile payments and contactless continues to grow around the world, banks must ensure that they have a powerful, functionally-rich POS channel that will enable them to increase revenue growth, reduce operational costs and improve customer satisfaction, whilst also achieving compliance with the high security requirements of the payments industry.

CONVENIENT, SIMPLE POS SOLUTIONS

BANKWORLD POS PROVIDES FUNCTIONALITIES SUCH AS:

✓ EMV and magnetic stripe acquiring

✓ Contactless acquiring

✓ Card not present transactions

✓ Sale

✓ Refund

✓ Void

✓ Balance enquiry

✓ Adjustment

✓ Sale with cashback

✓ Payment to a third party

✓ Cash advance

✓ Cash deposit

✓ Cheque cashing

✓ Cardless deposit

✓ Cheque deposit

✓ Money transfer

✓ Offline advice

✓ Mastercard internet gateway clearing (DCF)

✓ Reversals

✓ Pre-authorisations management

✓ PIN change

✓ Tips/gratuity

✓ Multi-currency transactions

✓ Surcharging

✓ Fund settlement (Visa CTF, MasterCard IPM processing)

✓ Reconciliation

✓ Transfer between own account

✓ Mobile top-up

✓ Beneficiary payments

BANKWORLD POS Security/EMV and PCI PA-DSS complianceBankWorld is fully EMV compliant, giving your bank the peace of mind that the liability in transaction disputes shifts to the non-EMV compliant. Our PCI PA-DSS compliance means that your bank is in line with industry wide mandate and best standard practice.

Increased profit through multi-currency acquiringOne of the many value-added features of BankWorld is the ability for customers to carry out card transactions in the currency they are most comfortable with. Enabling your customers to pay in their own currency positively impacts their satisfaction levels as they will appreciate a service that is personalised and tailored to their needs.

Teller solutionBankWorld POS provides a teller solution in response to an increasing demand for teller type transactions being carried out. Now, POS terminals can be located in branches or post offices to offer banking services in regions where banking infrastructure may be lacking, opening a new channel for unbanked or under-banked customers to manage their finances. Cards can be instantly issued over the counter where the customer will be able to assign their own PIN on the POS terminal without the need to send a PIN by mail. Furthermore, in countries vulnerable to power outages, BankWorld allows your bank to continue to provide banking services on a battery powered GPRS POS terminal, meaning that branches remain open even during power cuts,

Ease of use and fast processingBankWorld is a convenient, easy-to-use POS solution for merchants, tellers and cardholders. Depending on the terminal, it speeds up processing time by giving merchants and tellers more freedom to move around the shop or branch with the terminal allowing them to increase their productivity when serving customers. Customers today appreciate convenience and are showing an increasing reluctance to spend time waiting in long queues. We have empowered the teller to go to the customer, resulting in a noted reduction in line abandonment and loss of sales.

Advanced functionalitiesCustomers’ expectations of their bank are higher today than ever before as they demand advanced functionalities on every self-service channel. With BankWorld POS, your bank will be empowered to increase customer retention while at the same time acquiring new customers through a wide range of innovative and value-added functionalities such as cash and cheque deposit on the POS terminal by inserting the card into the chip reader. With our solution, a customer can also deposit cash without the requirement of their card being present through account number entry and verification of the beneficiary.

BankWorld POS transaction process

ETHERNET GPRS GSM

BANKWORLD POS SERVER

Broad terminal choiceBankWorld is a multi-vendor solution that can integrate with any POS terminal manufacturer including portable POS devices. CR2 has certified terminal applications from numerous POS terminal vendors including Ingenico, Hypercom, Spire, and VeriFone.

✓ Increased profit: fees, multi-currency acquiring, volume, etc.

✓ Optimum security: EMV, PCI PA-DSS

✓ Rapid time-to-market

✓ Ease of use

✓ Broad terminal choice

✓ Integrated to BankWorld multichannel platform

✓ Increased revenue

✓ Increased customer satisfaction

✓ Reduced cash management costs

✓ Customer acquisition

✓ Convenience of paying by card

✓ Increased security: EMV, PCI PA-DSS

✓ Value-added functionalities

✓ Reduced costs by paying in local currency

BANKWORLD POS BENEFITS

Benefits to the Bank Card Holder BenefitsMerchant Benefits

Integrated to BankWorld omnichannel platformBankWorld POS is a point of sale acquiring and payment system which drives a complete suite of electronic channels, simply waiting to be turned on when you need them. BankWorld POS is a component of BankWorld Channel Manager, our integrated platform which provides banks with flexible, secure and responsive channels including ATM, Internet, Mobile, Kiosk and POS. It helps banks visualise their customer’s activity across all channels from a single point, thus offering ultimate flexibility to respond to customers’ behaviours across all channels, quickly and efficiently.

GO BEYOND ACCEPTING PAYMENTS

CR2’S BANKWORLDA personalised self-service experience

BankWorld Product Suite includes:

BankWorld Channel Manager: an integrated self-service platform driving a complete suite of electronic channels

BankWorld on ATM: a powerful suite of solutions including an ATM switch, ATM management, screen design, monitoring and support tools

BankWorld on Internet: best of breed internet banking solution for retail and corporate clients

BankWorld on Mobile: mobile banking platform compatible with all technologies: SMS, GPRS, Web and smartphone applications for iOS and Android

BankWorld on POS: a point of sale acquiring and payment system

CardWorld: a complete end-to-end card payment, management and processing service

Why Choose BankWorld?

BankWorld is the world’s only integrated self-service platform that enables you to drive all channels regardless of your existing IT system:

With BankWorld, you can:

Service your customers anytime, anywhere, while at the same time reducing the cost to serve

Offer personalised services to your customers. Tailor product offerings across all or selected channels

Speed up product’s time to launch

Cross-sell to your existing customers

Convert leads into immediate sales

Avail of greater opportunities to generate new fee income

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

Card Management

CardWorld Acquirer

CardWorld Issuer

CardWorld Producer

CardWorld FraudTrap

BankWorld Pre-Paid Cards

Card On/Off

POS Solution

BankWorld POS

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 IS THE MARKET LEADER IN INNOVATIVE SELF-SERVICE BANKING SOLUTIONS INCLUDING ATM, INTERNET AND MOBILE CR2 is the leading global provider of innovative self-service banking solutions providing banking institutions worldwide with robust and flexible ATM, Internet, Mobile and POS channels.

CR2 helps retail banks solve their complex business challenges by reducing operational costs, generating new revenue at the self-service channels and improving customer satisfaction through best-in-class technology and services.

CR2’s BankWorld is the only integrated self-service platform available that lets banks actively manage all electronic channels including ATM, Internet, Mobile, POS and Kiosks from a single platform. BankWorld enables banks to design new products, services and screens, provide a personalised offering to customers, cross-sell and upsell products to the right customer at the right time and right channel.

Over 100 banks in 60 countries have adopted CR2’s solutions, driving tens of thousands of ATMs and servicing

millions of internet and mobile banking users globally.

Headquartered in Dublin, Ireland, CR2 has a network of well-established offices strategically located in 8 countries

(Ireland, Australia, South Africa, India, Singapore, UAE, Egypt and Jordan) and regional representatives to better service

our clients in those regions (Europe, CIS & Baltic, Middle East & Africa, Asia & Pacific).

More information on CR2 is available on www.CR2.com

CR2 HAS LOCATIONS INIreland | India | Australia Jordan | South Africa Singapore | UAE | Egypt