Warsaw-headquartered Alior Bank has launched a
virtual bank and branch, Alior Sync, pitching it as a novel
financial services firm for the “digitally savvy” customer
base.
The new digital banking system combines
different types of banking services, Facebook, and online
entertainment platforms into the banking interface. Internet
banking, mobile banking, PFM and payments technology software
vendor IND Group has provided software solutions for Alior
Sync.
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Alior Sync also enables customers to transfer
money directly to friends through Facebook photos without having to
leave the page. The transactions are authorised using one-time
codes. PayPal payments can also be made via e-mail.
The Alior Sync website contains a tab showing
users how many employees are available to talk to customers and
through which medium – video, audio or text chat. After the
customer chooses an option and clicks on it, he or she is put
through to a member of staff and a screen where the transactions
can be carried out.
Android and iOS mobile apps have also been
created for Alior Sync to enable customers to check their finances,
transfer funds and pay invoices using their handsets’ cameras.
A finance management tool, which can import
account histories from other banks, has been designed aiming to
allow customers to keep track of their budget and control
spending.
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By GlobalDataAn additional entertainment area is also
available where Alior Sync customers can watch films, listen to
music, play games, get discount deals and rewards.
President of the management board of Alior
Bank, Wojciech Sobieraj, said:
“IND was definitely the right company to
develop the technology for Alior Sync. IND has the experts and the
innovation experience to drive new banking technology. IND was
prepared to make our ideas come to fruition, and with them, we were
able to build up the most innovative bank in Poland.”
Alior Bank was launched in November 2008. The
launch of Alior Sync – the first virtual-only bank in Poland – was
announced by Alior Bank in December 2011. According to Alior Sync,
it plans to acquire 1m customers and over PLN3bn ($893m) in
deposits within four years after its official launch.
This the first time that a virtual bank has
been launched in Poland but it is not a global first. New-Zealand
based ASB Bank has a virtual branch on Facebook that operates from
10am to 6pm following a physical branch’s timings and allows
customers to carry out banking transactions.
