DIGITAL BANK

YOUSPE

New Brand in Retail Banking

FUTURE SERVICES

  1. A global financial ecosystem for retail clients in 11 countries:
    • services just like in the home region;
    • three types of customer centers: «Flagship», «Digital Branch», «Digital Express»;
    • no commission for cross-border transfers;
    • purchases in the focus countries without loss on the difference in exchange rates;
    • YOUSPE ATM Network set out to establish an international network of 100,000 ATMs
  2. Increased level of financial inclusion at reduced costs for banking services:
    • opening accounts through a mobile application based on biometric authentication and identification;
    • a choice of three service packages: “Real-time Banking”, “Digital Banking”, “Private Banking”;
    • receiving the full scope of services through digital channels without visiting a bank branch;
    • availability of credit products regardless of the current country of stay;
    • a transition from payment for each operation or service to package services at a fixed monthly price;
    • receiving cash transfers through ATM without opening an account.
  3. A boost in purchasing power of each client as their needs and interests are taken into account:
    • clients receive personalized credit limits on each product without filling applications or visiting a bank branch;
    • funds are credited within the established limit without additional approval procedures;
    • revolving credit line on in-game content and OTT video services content with a 0% grace period;
    • advance salary loans with a 0% grace period;
    • flexible study loans with paid internship opportunities package;
    • special loan programs on the latest Apple and Samsung smartphones, Samsung TV sets, Razer gaming laptops and accessories.
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FUTURE SERVICES

  1. A new standard of services and security for digital banking:
    • affordable premium real-time 24/7 services;
    • mobile application and a video call centre support in the client’s mother tongue;
    • departure from the use of passwords and push notifications in favor of a transition to the unique real time biometric e-ID and Selfie-Check technology for confirmation of all user operations;
    • secure debit payment cards with Motion Code technology, based on a dynamic CVV that changes every hour, and secure credit cards with F.CODE technology, based on user biometric data to prevent unauthorized debit;
    • cardless and contactless access to ATMs based on a unique biometric e-ID and NFC technology for full management of assets, communication with the video call centre and access to partner services.
  2. Expanding service horizons through a secure digital channel access to the partner ecosystem:
    • integration of mobile and online banking into popular games on various platforms for user convenience;
    • integration of a public messenger into mobile banking to provide an alternative way to transfer financial assets and establish an unlimited communication channel for the clients of the ecosystem;
    • access to services for operations with digital assets without transaction limits on purchasing or crediting of funds derived from a sale of digital assets.
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TECHNOLOGY PARTNERS

Next Generation Platform for the New Brand in Retail Banking

WEB CALL CENTER KIOSK TELLER MOBILE ATM BRANCH IoT CUSTOMER EXPERIENCE Other Banks Systems PFM REGTECH LENDING PAYMENTS BANKING AI WEALTH SECURITY FINTECH ECOSYSTEM API’s NextGen Core

Complete end-to-end solution encompassing hardware and software solutions

Identify Create Derived Identify Authenticate

MOTION CODE cards

  • Dynamic CVV security code technology, replacing traditional static CVV
  • Prevention of illegal use of stolen data thanks to the automatic change of dynamic CVV code at regular intervals
  • Connection between Motion Code server and payment system processing center occurs in real time
  • Increased security and convenience

Biometric cards with F.CODE

  • Fingerprint sensor on an ISO standard payment card instead of PIN verification
  • Smooth proof of life; contactless payment technology
  • Cardholder’s biometric data is securely stored in the microchip of the card
  • Biometric data may be inputted by means of the designated mobile application
  • Innovative freestanding multi-function ATM with customer-centered design and 19” multi-touch LCD Infinity display
  • Remote Client OnBoarding with ATM
  • Convenient access through customer’s biometrics instead of a payment card; premium assisted self-service experience and connection to the video call centre
  • Payment for purchases in large retail chains without payment cards based on customer biometric data via Smart terminals
  • Omni-channel experience by delivering reliable and secure access to banking services and services provided by partner-companies
  • Integrated contactless card reader (via payment card, smartphone or smartwatch)
  • Integrated “flush” Skimming Protection Solution (SPS)
  • NCR Interactive Teller, remote assisted-service integrated
  • NCR Interactive Banker, in person-assist compatible