The Future of

Self-Service
Banking Software

Within a market environment so heavily impacted by COVID-19, banks are further accelerating their branch transformation strategies by facilitating the needs of customers in an expanding range of digital channels.

This environment encompasses not only mobile and internet channels, but also self-service channels enabling new services on traditional ATM’s.

Banks today are demanding more from their ATM, including:

More stand-alone ATMs with additional self service capabilities required for existing branches
Investment in low and no-touch banking experiences at the ATM, for example, QR code access
Integration to Digital Wallets at the ATM
Addressing the needs of SME’s in a self-service environment
Explore ways in which APIs can help build a broader self-service ecosystem

Do more at the ATM

We can assist with the migration of more advanced transactions from the teller to self-service terminals and offer a rich set of capabilities such as:

Contactless access ATM over NFC, QR Code access and use of E-receipts
Account opening and onboarding
Cash lodgement
Bill payment
Card Issuing
Foreign exchange
Cheque scan deposit
Digital wallet load and unload
Remittances/payments
Loan origination/Instant loan
Card self-service features such as change/set PIN, and activation
Registration for mobile banking
Social security disbursement
New product application

Similarly, we are seeing demand from banks wishing to provide a more effective and efficient management
of their ATM fleet during COVID-19, through use of tools and technologies such as:

Remote Key Loading (RKL)
Remote web administration
More effective cash management with a dashboard view of ATM cash levels

Find Out How COVID-19 is shaping Self-Service Banking trends in Africa

Learn More

Cardless Access

CR2’s BankWorld ATM client intersects the physical channel with the bank’s own mobile banking app to provide a cardless, safe access to cash. The solution is available on all BankWorld ATM Clients, and seamlessly integrates with the existing card management system and mobile app deployed within the bank.

The cardless solution allows customers to leave their cards in their wallets and withdraw cash using their mobile phones, by simply scanning a QR Code on the ATM using their mobile phone. It’s safe, secure, quick and convenient. No card is required and there is no need to worry about touching public surfaces.

A world class ATM Software Solution

BankWorld ATM is the most advanced end-to-end Self-Service banking software solution which accelerates branch transformation strategies. It means a bank can drive more fees from an unrivalled suite of ATM and Kiosk services and more revenues from targeted campaigns, all underpinned by a platform delivering increased uptime and reduced operational cost.

Built to increase the channel’s profitability, BankWorld ATM is the only end-to-end ATM software solution available that incorporates a versatile switch, a rich dynamic client, and a powerful card management system with real-time operational and business tools.

By enabling mobile-like functionality at the ATM, your bank can offer an enriched user experience that is quick, simple and convenient to use, while also significantly reducing the cost to serve customers by moving in branch services to a self-service channel.

Why BankWorld ATM?

Complete End-to-End Solution

Single solution that incorporates ATM Client, Switch and Card Management System
Real-time ATM and Fleet Management tools that manage both simple and complex ATM networks and reduces the overall cost of ownership
Full stack vertical solution, incorporating all required elements from software client to the scheme gateways

Broadest set of ATM services

Engaging user interface delivering an enhanced customer experience
30+ off-the-shelf services including cardless, bill payment, funds transfer, campaigns and promotions
ATM Design Studio gives independence and control to design and launch personalised offers
Retain control of screen flows and transaction mix

Merging Digital and ATM

Enable digital transactions in a self-service environment
Solution offers rich card control functionality merging mobile and ATM channels

Integration

Strongest integration capabilities proven in market with multi back-office integrations completed
Experience with a wide range of global and local payment schemes such as Visa, Mastercard, UPI and a wide range of local and national switches

Multi-Vendor, Multi-Device Support

Including biometric scanners, cash recyclers, NFC card readers, statement printers. Hardware vendors supported include NCR, Wincor, Diebold, Hyosung and GRG.

ATM Driving

BankWorld ATM offers a complete software solution that harnesses the power of ATM driving, providing users with access to the banks entire business functionality from the ATM. It includes the driving of innovative services and transactions at the client level, effective management and monitoring of the entire ATM fleet from a central point, the ability to quickly and remotely launch new marketing campaigns, screenflows, language etc., all underpinned by a platform that delivers compliance, security, high availability and scalability.

A powerful set of Management and Operational Tools:

ATM Manager
ATM Distributor
ATM Support Tool
ATM Studio
ATM Custodian
ATM E-journal Viewer

ATM and POS Acquiring

The BankWorld platform offers banks a complete solution for ATM and POS acquiring with capabilities that accept cards associated with all major global and local international schemes, ‘on-us’ and ‘not on-us’ acquired ATM and POS transactions.

The solution identifies the card scheme that it is related to and routes and logs transactions through the switch hub accordingly. At the ATM, a customized set of services and look & feel is available when acquiring other cards. BankWorld POS offers areas of expertise at retail level, teller level and processing of MasterCard MIGs settlement for e-commerce.

Multiple Currency – acquire transactions in any currency
Extended Card Schemes – international card schemes supported
Merchant Settlement – easy settlement with the merchants and produce settlement files and reports
Minimise Interchange Fees – the system automatically requests the cheapest interchange rate available
Reporting – a suite of reports available
Easy to Administer with simple GUIs for effective management of the system
Fee Calculation
Target competitor bank’s card holders with attractive campaigns based on the card bin of the particular bank

Bank World KIOSK

BankWorld Kiosk is a powerful and integrated channel which can be easily deployed and used to provide innovative services to customers and non-customers. It is an intelligent hybrid system which has built-in support for devices as well as providing card authentication and statement printing.

Your customers can avail of personalised payments, card control functionality, instant account opening, Money Vouchers, P2P payments and domestic and international remittances, all from this versatile and convenient channel. Non-customers can also access a range of banking services including bill payments, domestic remittances, Money Vouchers and more.

BankWorld Kiosk seamlessly integrates with your other self-service channels enabling you to give your customers a consistent user experience at every touch point.

The CR2 approach to ATM Solution Replacement

Learning

Upon contract, CR2 will host an ATM strategy workshop with your team and perform an assessment of your existing infrastructure.

Speed

Deployment time frames vary by institution size and complexity but we generally expect deployment within months of the workshop.

Partnership

CR2 deploy implementation experts to work with the bank to define the operating model, to implement and test the replacement software and to manage interactions with other vendors.

Self-Service Banking Software