| 01Mobile Account Access & Dashboard |
Gives customers a consolidated mobile view of account balances, transactions, deposits, loans, cards, and other banking relationships. |
Customer Signs In→
Retrieve Account Data→
Display Balances & Activity→
Access Banking Services
|
Real-time or near-real-time balances and transactions
Support for checking, savings, cards, loans, and deposits
Customizable dashboard and multi-account visibility
|
| 02Secure Login & Mobile Authentication |
Protects mobile banking access using passwords, biometrics, multifactor authentication, device recognition, and risk-based security controls. |
Enter Credentials / Biometric→
Assess Device & Risk→
Apply Additional Verification→
Grant Secure Access
|
Fingerprint, facial recognition, MFA, and passcode support
Device binding and suspicious-login detection
Configurable step-up authentication for higher-risk actions
|
| 03Funds Transfer & P2P Payments |
Lets customers move money between their own accounts, external accounts, or other recipients through supported transfer and person-to-person payment networks. |
Select Source & Recipient→
Enter Transfer Amount→
Authenticate Transaction→
Process & Confirm Transfer
|
Internal, external, scheduled, recurring, and P2P transfers
Transfer limits, fees, verification, and fraud controls
Real-time payment, ACH, wire, or supported payment-network connectivity
|
| 04Mobile Bill Pay & Scheduled Payments |
Allows customers to add billers, make one-time or recurring payments, manage due dates, and review payment history from a mobile device. |
Select / Add Biller→
Choose Account & Amount→
Schedule Payment→
Track Payment Status
|
One-time, recurring, and future-dated payments
Biller directory, payment status, and payment-history visibility
Due-date reminders, cancellation rules, and cutoff times
|
| 05Mobile Check Deposit |
Lets customers deposit eligible checks remotely by capturing check images and submitting deposit information through the mobile banking application. |
Enter Deposit Amount→
Capture Check Images→
Validate Check & Account→
Submit Deposit for Processing
|
Image quality, duplicate-check, and endorsement validation
Deposit limits, holds, exceptions, and eligibility rules
Clear deposit status and funds-availability information
|
| 06Card Controls & Digital Wallet Management |
Lets customers manage payment cards, control transaction permissions, report issues, and connect eligible cards with supported digital wallets. |
Select Payment Card→
Choose Card Action→
Apply Control / Wallet Request→
Update Card Status
|
Card lock, unlock, activation, and replacement controls
Transaction, merchant, location, and spending-limit settings
Apple Pay, Google Wallet, or other required wallet provisioning
|
| 07Digital Onboarding & Account Opening |
Lets prospective customers apply for eligible banking products through mobile workflows that collect identity information, documents, disclosures, and funding details. |
Select Banking Product→
Capture Identity & Application Data→
Verify / Review Application→
Open & Fund Account
|
ID document capture, identity verification, and e-signature support
Application save-and-resume and abandonment tracking
Integration with KYC, AML, credit, funding, and core banking systems
|
| 08Alerts, Notifications & Secure Messaging |
Notifies customers about account activity, balances, payments, card events, security issues, and service updates while providing secure communication with the institution. |
Detect Account Event→
Apply Notification Preference→
Send Alert / Message→
Customer Reviews / Responds
|
Push, SMS, email, and in-app notification options
Customer-configurable balance, transaction, and security alerts
Secure two-way messaging and communication history
|
| 09Fraud Monitoring & Transaction Security |
Evaluates mobile sessions and financial transactions for unusual behavior, compromised devices, account takeover attempts, and other fraud indicators. |
Monitor Session / Transaction→
Evaluate Risk Signals→
Approve / Challenge / Block→
Record Fraud Decision
|
Device, behavioral, transaction, and location-based risk signals
Real-time transaction scoring and step-up verification
Integration with fraud, AML, case-management, and authentication platforms
|
| 10Mobile Banking Analytics & Core Integrations |
Tracks digital adoption, transaction activity, feature usage, engagement, and service performance while connecting the mobile channel with banking infrastructure. |
Aggregate Mobile Banking Activity→
Analyze Usage & Service KPIs→
Connect Banking Systems→
Improve Digital Banking Experience
|
Login, adoption, transaction, feature-use, and conversion reporting
Core banking, payments, cards, CRM, KYC, fraud, and lending integrations
APIs, SDKs, audit logs, exports, and operational monitoring
|
AP
BA
CA
CE
CH
EB
GO
NE
QO
QU
