Banca Cloud Cabel

BANCA CLOUD is a multi-channel and multi-product platform that enables to achieve efficient process automation and data treatment while delivering an optimal user experience at all times. Numerous transactions, including the opening of current accounts, the placement of financial products and deployment of funds, or the simple management of registry changes, can be carried out with no need for the client to be physically present in the bank branch. This translates into time optimization and a reduction in costs for customers and banks alike.

The platform enables to perform various operations regarded as strategic by the bank, starting from the acquisition of a new client base, which can be achieved directly through the bank’s website with a remote identification system and the signing of the documents required for carrying out the client census process.

Banca Cloud changes the paradigms that regulate the bank-client relationship, since it enables to shift a large number of typical bank features to the digital environment.

Advantages:

• Placement showcase: customer engagement carried out through the bank’s website, online sales processes conducted via the home banking system.
• Client acquisition: opening of an account with remote identification and registration of the new customer in the bank archives.
• Sale of cards: customers can apply for a debt card (Bancomat or Interational Circuit) or an account card with automatic management of the PIN forwarding process.
• Time deposit: customers can manage the opening of a time deposit (TD) account based on the configurations of the product catalogue, with the preparation of all the relevant contracts that can be digitally signed.
• MIFID Questionnaire: during the placement process - available through the platform - customers are required to fill out the MIFID questionnaire to define their risk profile.
• Placement of fund shares: customers can subscribe for fund shares and select and combine their choice with respect to the management lines offered, etc., and also digitally sign the relative forms.
• Personal loans and credit cards: private entities, who are already customers of the bank, can take out loans directly online in the form of a personal loan/credit card.
• Subscription of share capital: The management of the subscription of share capital is included. The interaction with promotional campaigns of the bank and automation of all the front and back-end processes.
• Finance: placement of funds with opening of securities dossiers