ClairMail’s Mobile Banking Solution

Problem: Bank customer interaction channels function poorly on mobile phones
While bank customers have become increasingly mobile, customer interaction has not. Why? Because existing delivery channels – call center agents, IVR and online banking – do not work well on mobile phones. Additionally, with over 12,000 different handset configurations already in use worldwide, creating, deploying and supporting new software on mobile phones is an operational nightmare.

Clearly, leveraging the pervasiveness of mobile phones is a growing customer need to which banks and credit unions must respond.

Solution: Optimize any mobile phone for 2-way mobile banking and payments
ClairMail solves the problem by enabling a new 2-way channel between mobile phones and banks. The ClairMail System is the only solution that supports any mobile phone’s existing software and standard capabilities – including messaging, mobile Web and client applications. ClairMail System infrastructure resides on-premise or in a managed service environment and seamlessly and securely integrates with its back-end systems without requiring any new software on mobile phones – enabling customers to directly access their accounts and giving banks direct access to their customers.

ClairMail System Features

The ClairMail System enables banks to provide their customers with a comprehensive suite of mobile banking services, including:

  • Account Management: Access balances, transaction history and other account information. Conduct transactions such as fund transfers.
  • Actionable Alerts: Receive and respond to 2-way alerts for low balances, check overdrafts and questionable account activities.
  • Security: Customers actively participate in fraud mitigation by verifying the legitimacy of mobile transactions and securing online transactions with out-of-band, multi-factor authentication.
  • Mobile Payments: Bill payments and person-to-person payments.
  • No-Hold Customer Service: Conveniently reach a customer service representative without waiting on hold.

See use cases for:

  • Banking
  • Brokerages
  • Card Services
  • Merchants

Benefits for Banks

With ClairMail’s mobile banking solution, banks can:

  • Extend Customer Service: Enhance customer experiences by offering convenient, secure and frictionless on-demand mobile banking services.
  • Reduce Operating Expenses: Displace costs from more expensive IVR, call centers and online services.
  • Generate Revenue: Deliver context-specific, 2-way marketing offers.
  • Gain Competitive Edge: Differentiate themselves from the competition.

Additional Materials

Mobile Banking

Corporate Overview

IDC White Paper: Reducing Friction & Cost of Customer Interactions

Security White Paper: Combining Ubiquity with Security

ClairMail Video

Javelin-ClairMail Webinar

BAI Innovation Moment: ClairMail
Let us demonstrate how the ClairMail System can help your financial institution.