Online Banking Solution

Advanced Electronic Banking Software with Web API

Online Banking Solution

Our E-Banking System for successful onboarding, retail and corporate online banking

Today, banking transactions are increasingly conducted digitally. As reported by the Federal Statistical Office in 2017, every second bank clients in Germany carried out his or her financial transactions online. In the 25-34 years age group, 74% of bank clients made their transfers via an online account. The quality of online banking today offers a high potential for differentiation and has long since ceased to be an option for banks. Instead, it has developed into an important unique selling proposition. The key to the digital transformation of banking is the customer experience. Our innovative online banking solution is geared towards an optimal user experience, from new clients acquisition and onboarding to self-services in online banking, and makes a significant contribution to the automation and digitization of banking transactions.

The PASS E-Banking System combines user-friendly operation with high functionality and modern design. Online banking products can be completed easily and securely and bank clients can execute their financial transactions conveniently at any time and from any location. All customer correspondence (account statements, messages, etc.) can be reproduced via the digital post box and an optional long-term archive and is an important component of any digitization strategy. Numerous management functions increase ease of use and enhance the clients' security perception. Even complex rules of disposition and approval are mapped simply and comprehensibly thanks to a well thought-out user guidance. The powerful Web API according to ISO 20022 standard enables the connection of different core banking systems as well as other third-party systems. Larger customer payment orders can be transferred via XML files. Batch/mass processing is also possible.

Online Banking App with pushTAN

Receive your TAN easily and securely via app

To be able to use the pushTAN procedure, you need an activated online banking account and the pushTAN app.

Setup

  • Authentification via app password
  • Connect the online banking via registration letter/code as TAN procedure

TAN

  • Receiving TAN requests
  • Access to the TAN order data
  • Approval or cancellation of the TAN order

User settings

  • Change app password
  • Reset of the app data
  • Disconnecting of the device

Features of the PASS E-Banking System

For bank clients

  • Optimal onboarding process for new and existing customers – online product closing with digital legitimation procedures (new clients)

  • Innovative display of financial status, account information (graphical and tabular), account balances and any length of transaction history

  • Intuitive creation and authorization of payment orders (SEPA credit transfers, internal transfers, SWIFT payments, Swiss market transfer forms) via SMS TAN or pushTAN-App

  • Online product closing with just a few clicks directly in the online banking system

  • Digital mailbox with optional long-term archiving

  • Comprehensive notification system (clients-specific notification rules for events, such as limits reached, balances, incoming and outgoing payments, new documents, etc.)

For bank advisors

  • Highly automated onboarding process for new and existing customers

  • Integrated generation of PIN and access data letters possible

  • Administration, blocking and resetting of customer account

  • Information system for creating system and marketing messages

  • Defining individual rules for password conventions in online banking

Highlights of the Online Banking Solution

Fast and intuitive operation

Fast and intuitive operation

The PASS E-Banking System is a modern web interface, which can be used on various terminals due to its responsive design. At the same time, various security mechanisms are integrated into the online banking solution.

 

Extensive configuration functions

Extensive configuration functions

The internet banking solution integrates comprehensive configuration functions such as authentication, authorization systems and support for IBAN Plus and ABA routing numbers.

 

Interface according to ISO20022 standard

Interface according to ISO20022 standard

The interface enables more efficient transaction processing thanks to the uniform, bank-independent ISO 20022 international standard, while at the same time guaranteeing a high degree of future safety and easy integration of third-party providers.

 

Support of the intermediary business

Support of the intermediary business

The online banking solution supports complex joint decrees and powers of attorney with user and group concepts. This also meets the requirements of financial intermediaries such as financial advisors and trustees.

 

Variable usage model

Variable usage model

The internet banking solution can be made available as a license or in the ASP model (operation in PASS's own data centers).

 

Benefits

Bank clients

Bank clients

  • Simple and secure processing of banking transactions at any time, from any location and with almost any terminal device thanks to responsive design
  • Graphical presentation of the financial overview
  • Support for bulk payments
  • Safety features such as country restrictions and limits for transfers
Banks

Banks

  • Simple connection to various core banking systems and simple customizing to the look & feel of the respective financial institution
  • Powerful Web API (ISO 20022 standard)
  • Flexible usage models
  • Multilingual (German, English)
  • Support of several markets (Germany, Switzerland, Liechtenstein) and more
IT / Department

IT / Department

  • Can be used as web application OnDemand without local software installation
  • Can be used as a module within the core banking system or independently
  • Very easy to integrate into a web-based infrastructure
  • Various security mechanisms, e.g. 2-factor authentication
  • Easy integration of third-party applications through Web API
  • Paperless communications with customers
Management

Management

  • Optimal onboarding sets the course for the customer relationship, enables an increase in new clients acquisition and is an essential component of a digitization strategy
  • Comprehensive self services increase the customer experience and thus customer loyalty and efficiency
  • Client interactions are fully automated
  • Uniform processes and secure data storage guarantee complete transparency

Screenshots of our Online Banking Solution

Our Services

The special feature of the PASS e-banking system is that it can be used both as a component of the PASS Core Banking System and as an independent module.
We offer comprehensive services for both cases:

  • Consulting
  • Licensing
  • Customizing
  • Integration
  • Extension (incl. requirements analysis, conception and implementation project)
  • Hosting in our data centers in Germany

Use models of the Online Banking Solution

  On-Premise (operation at the customer's site) Software as a Service (SaaS)
Type of use Licensing SaaS
Licenses One-off purchase price The license is included in the monthly service fee.
Is maintenance necessary? No, but recommended Yes, the client benefits from the ongoing development of the product. New versions of the online banking software will be made available at certain intervals.
Maintenance costs 20 % of the license price (per year) Are included in the service charge
Is an installation necessary? Yes, this can be done via download or FTP transfer Yes, this is done by the service provider/PASS
Optimally suited for Banks wishing to operate the e-banking system in their own data center Banks that wish to receive the entire service largely from a single source
Advantages a) Lower cash flow burden in subsequent years
b) Flexibility to provide complementary services yourself or to purchase from other companies
a) Everything from a single source
b) Uniform service package
c) Hosting in Germany

Frequently asked questions by our customers