Solutions - SmartVista Retail Solutions

Solutions

BPC SmartVista Suite offers a full range of facilities to extend its card processing capabilities to a fully integrated retail banking environment where cardholders can manage their card accounts using multiple channels of their choice.

Our customers can take full advantage of new innovative ways of doing business due to the unique combination of SmartVista OLTP capabilities, delivery channels integration through a single transaction engine and support for sophisticated retail products.

SmartVista can be used to support the following range of retail products and services:

Universal banking card: all client’s accounts are linked to one card which is a unique customer ID in all delivery channels providing access to a wide range of retail services.

Instant Issue and Prepaid Cards: the card is issued during the client’s first visit to the bank: Visa Instant Issue, MasterCard Electron, prepaid travel cards, gift cards.

Credit cards:

A wide range of card based credit products: consumer loans, revolving credits, overdraft credits, instant credits, charge-cards.
Accounting for credit based transactions: interest accruals, repayments, accounting of past-due aging, penalty interest rates, security and collateral accounting.

Flexible payment plans: minimum amount/revolving schemes, full amount/charge schemes, fixed amount/installment schemes, Deferred Payment Plan – annuity pay-by-installment payment plan.

Funds transfers:

Transfers to third-party accounts: template based transfers from card linked accounts to preset bank accounts (utility payments, subscription, mobile account top-ups, etc.).
Transfers between card linked accounts, payments from card accounts to foreign accounts, inter-bank transfers, P2P payments using Visa/MasterCard technology.

Account replenishment: both delayed and on-line ATM deposits: envelope deposits, cash-in; time deposits, standing orders.