Within the framework of its retail business development program, Oschadbank has been consistently implementing innovative services in Internet and mobile banking systems. The WAY4 platform used by the bank to manage these channels makes it possible to create a single payment ecosystem that includes four main components: a single client profile, the same scenarios for working with services on all service channels, a wide selection of services with an open interface for their configuration by the bank and branding that is the same across all channels.
Currently, the WAY4 platform at Oschadbank provides ATM management and client service through the Internet. Self-service functionality is regularly expanded with new capabilities. Not only can Oschadbank clients make a standard set of operations from their personal office, they can make payments to arbitrary requisites, manage restrictions on card use and the so-called "transaction window" providing control over access to card accounts. In the near future, in addition to card services, it will be possible to work with credits and deposits.
The next step in expansion of multi-channel service in the WAY4 system is the launch of mobile banking and self-service terminals that will become a part of the ecosystem. Users of Oschadbank's mobile application will be able to manage payment templates, make payments and transfers, get new offers and interact with the bank. A wide range of new services is planned: from security management and issuing virtual cards to remote opening of accounts.
"More and more clients today consider remote banking to be an essential condition for working with banks. Using this service, clients get maximum convenience with a minimum of time and effort spent. Of course Oschadbank intends to fully develop this effective channel, adding new functions that will be in demand by our clients", comments Anton Tyutyun, Oschadbank's deputy chair of the board.
"The solution implemented at Oschadbank responds to the newest trends in remote service – from support of mobile payments to electronic wallets and contactless technologies. For cardholders this means full-fledged remote service anywhere in the world where there's Internet access or a mobile connection, through a convenient and familiar user interface with a wide selection of services and the possibility for interaction with the bank" say Mikhail Alexeev, the director of business development, OpenWay Eastern Europe and Central Asia.
Oschadbank
The Public Joint-Stock Company “State Savings Bank of Ukraine” is one of the largest financial institutions in Ukraine, having the most extensive branch network in the country. Oschadbank is the only Ukrainian bank that enjoys the unique state guarantee on all retail deposits. JSC “Oschadbank” is the most reliable bank according to the “Korrespondent” magazine and the investment company “Dragon Capital” and also holds its leadership in deposit reliability rating according to the Internet-magazine “Real economy”.
