CalBank app powers digital banking transformation in Ghana

255

The latest CalBank App features out a lot digital transformation in Ghana as they have alliance with the Ghana Interbank Payment Settlement Systems (GhiPSS) via riding on the Mobile Money Interoperability service which is seamless, and transactions done within real time.

As we move into the latest decade, it was anticipated that the banking industry was going to transition to reflect a more digital ecosystem. Today, digital revolution has become much more than replacing physical delivery.

It now focuses upon client experience. It demands financial service brands to seamlessly digitize the client experience that had once been primarily delivered face-to-face in the branches.

Despite the complexity associated with digitizing delivery channels and the fact that customers have set the bar high owing to them being accustomed to the one-click convenience of leading online retailers, CalBank adopted new technology, advanced analytics, innovation and a digital transformation strategy whilst evolving our talent mix to develop new product offerings.

The all latest CalBank App facilitates clients and non-clients to do so much more than just their banking.  With the CalBank App clients can send funds to their near and dear loved ones either in other banks or onto their mobile wallets instantly or can opt to use the regular ACH.

Clients at just a click can also move funds between their accounts or push funds onto their own wallets or to other wallets. As a Bank we believe in partnerships that will inure to the benefits of our clients.

The app interface is great, exciting, easily manoeuvrable, as well as client friendly. This service is all regarding establishing convenience for the clients and making the Bank easily accessible to them as well.

Non-clients are not left out. All they must do is to link their Visa or MasterCard or their mobile wallets to the CalBank App in order to transact on the app. The payment world is also transitioning and have become everyday life for the clients.

Calbank app payments platform was mainly designed not just for educational institutions, but firms like embassies, airlines, hotels, and a host of other government agencies can utilize it to collect all their payments.

Once an institution allows to utilize our payment platform to obtain payments such as school fees, the online version is incorporated seamlessly into the school’s system so they can easily undertake all their reconciliations in real time from the platform which is robust and secured.

Clients can also utilize the app to pay service providers and other merchants.

According to research in BAI Banking Outlook: Trends in 2020, only slightly more than half (53 percent) of financial institutions allow first accounts to be opened online, impacting the initial customer digital banking experience.

It gets thrilling to know that hitherto one would have had to visit a branch to open an account, but with the all new CalBank App, clients can now open a Snap Account online and have their account numbers generated for them.

With their account numbers, they can access all the bank’s product and service offerings in-branch or online or at any of our CalBank Agent Outlets. It’s all about convenience with the CalBank App.

On the CalBank App and on the web are a host of virtual shops where customers can place orders to merchants, shop and pay for goods and services and have them delivered to them. Users of the app are also able to split a bill amongst themselves when making a payment to a merchant using the Split Pay menu.

One can either simply use the CalPay Wallet – an e-wallet on the app from which they can do all their shopping or shop from either their existing wallets, CalBank Accounts or from their cards. This e-wallet can easily be topped up from any Visa, MasterCard, MTN Mobile Money or CalBank account to facilitate all payments.

To enhance our customers’ digital experience, is a team that provide timely support for all offline based transactions with our CalPay Wallet, the e-wallet available on the CalBank App.

Another exciting feature of the CalBank App is the ability to scan and pay for goods and services using our dynamic QR Codes on the app. Making payment via QR codes is extremely quick as compared to other modes of payment. All you have to do is simply open the QR code scanner on the app, scan the QR code, and confirm to process the payment. Within a few seconds, the payments are made.

Customers are spoilt for choice when it comes to making payments using a QR Code on the CalBank App. Available on the app is a proprietary CalBank QR Code scanner, a Visa on Mobile -mVisa scanner and a GhQR scanner developed by GhIPSS., QR Codes allow customers to make purchases both in-store and or online.

The token service available on the app presents to app users a Cardless withdrawal service where customers can generate tokens from the app and send to other customers and non-customers for redemption on a CalBank ATM without using a payment card. App users can also redeem these tokens onto a mobile wallet or from any CalBank branch.

We know our customers appreciate convenience. With the CalBank App, customers can pay all their utilities such as Ghana Water Bills, electricity company bills, GOTV, DSTV bills or DSTV Box Office payments. They are also able to purchase airtime top-up from a host of Telco Networks such as MTN, AirtelTigo, Vodafone, Glo.

With the App, you don’t require to run out of airtime accounts or data as you can easily purchase mobile data from Surfline, Busy4G or Vodafone BroadBand service.

Clients can also utilize the app to perform several functions without having to visit the branch. Such services include subscribing for our notification service or electronic statements, blocking and unblocking a CalBank payment card, requesting for cheque book, or even stopping a cheque which has been issued from being paid or downloading financial statement and so much more.

Via the CalBank App, one can locate our branches and subsidiaries, ATMs, Agent Outlets, or merchants where they can locate our POS devices using their GPRS function on their mobile devices.

Other functions that one can perform through the CalBank App are ease of directly accessing our Customer Care Team, access to Frequently Asked Questions (FAQs) amongst others.

These developments have been implemented with our customers in mind. To be able to support their changing lifestyle, we are supported infrastructurally by a robust IT platform which underpins our banking operations.

In this age of Technology, after sale and deployment support for electronic solutions is a necessity and the very foundation on which customer utilization thrives as it builds customer confidence in the electronic solution.

LEAVE A REPLY

Please enter your comment!
Please enter your name here