MessageMate: SMS Banking Application

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Overview

MessageMate is a low-cost technology-enabled service offered to banks to enable their customers to operate selected banking services over their mobile phones using SMS (Short Message Services).

MessageMate is a user-friendly application that offers customers constant and convenient access to account information and status without being dependent on the availability of a computer and the internet or having to visit the branch.

 

Push Services (Intitiated by Bank):
Alerts ( typically, for reminders of due dates for installments or payments, maturity dates for term deposits, dishonouring of inward instruments, account transactions above a threshold amount, etc.)

  • One Time Passwords ( OTP)
  • Mass messages to customers such as the launch of new banking products or services, caution against fraud, etc.

Pull Services (Intitiated by Customer):

  • Balance Query
  • Mini Statement (last three transactions)
  • Cheque Status
  • Others

As with all DataVision products, MessageMate is built on a robust and open technology platform.

  • Dot Net and Oracle
  • Open interface
  • Seamless Integration with banks’ existing host system
  • The Stateless application enables complete scalability
  • MessageMate helps banks to add value to their services and strengthen customer relationships in many ways:
    • It is Robust, Secure and Highly Scalable
    • MessageMate offers near-instant communications- Be always in touch with the customer.
    • MessageMate empowers customers to choose services according to their need
    • MessageMate incorporates message logs to maintain an audit trail that helps investigations into possible fraud and misuse.

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