omnichannel

banking
solutions
AT CR2,
WE CREATE
Omnichannel banking software with your
customers unicity in mind covering ATM,
internet banking, mobile banking, app,
POS, switch and card.
A BRIEF
HISTORY
OF THE
FUTURE
CR2 was born when internet connectivity
started becoming embedded into each and
every aspect of our lives. We began our journey
focusing on internet and mobile banking with
the objective to enable banks to interact with
clients on an individual level and provide unique
tailored products and services on their self-
service channels.
CR2 software is specifically designed for fast
Naturally, we soon realised that in order to service growing banks with a vision. Banks with a vision
our customers exceptionally, we had to be truly to reach out to their customers through the
omnichannel. As such, we acquired Interlink, self-service channels, a vision to empower their
a provider of ATM solutions which had over 15 network with advanced products and services, a
years experience servicing leading banks across vision to let customers simply bank their way.
the globe. With ATM now added to our product
mix, all channels ATM-Internet-Mobile were linked Today, CR2 continues to heavily invest in
together cohesively. For us, the challenge was to research and development. We are proud to
empower the self-service channels in recognising have been the first to launch many new ways
not only a card or a password, but a unique of banking such as P2P mobile payment,
person with unique requirements. Constantly card deactivation from a mobile phone,
driven to create a unified self-service platform, personalisation at every touch point and a
CR2 became a pioneer in providing this to retail domestic remittance system using the entire
banks. Even today, CR2 is one of the very few self-service network. We believe in the value of
providers in the market offering a modern truly delivering cutting-edge services to our clients to
omnichannel approach. constantly keep you ahead of the competition.

From our origins to today, none of this would

have been possible without the support of our
founders, investors, partners, developers and
our entire passionate and talented team. We
are obsessed with how technology provides
convenience to our clients, and their clients,
while still maintaining the personal touch.
DESIGNED FOR FAST
GROWING BANKS
WITH A VISION
WHAT WE
CAN DO
FOR YOU
We believe in creating results
together. By focusing on bringing
together your banks physical and
digital self-service banking channels,
we help you to achieve your business
objectives and stay relevant to your
customers regardless of how they
choose to bank.

In todays modern cash driven markets with their

diverse customers and competitive marketplaces,
we empower you to truly make your digital channels
profitable, servicing your customers in a way which is
cost effective and efficient. We have developed our
self-service banking software, BankWorld, specifically
with banks in fast growing markets in mind, covering
all customer segments from the underbanked to
premium users.

With market conditions in global banking markets

ever changing, the importance of dealing with rapid
growth in a new customer base, efficiently expanding
networks, and dealing with disruption from fintech
companies has never been more important. But
just how to deal with these issues is not always as
clear. We work alongside your bank to meet these
challenges head on, offering the agility, consistency,
security and stability to manage your entire self-service
channel network from a single point. Our omnichannel
integrated platform, manages and personalises all self-
service channels: ATM, Kiosk, Internet Banking, Mobile
Banking, POS, and Cards. With BankWorld, you can
manage, transact, design, personalise, sell and even
measure your activities all from our unique platform.
Optimal channel usage
Facing todays challenges of optimising the use of all
banking channels is something we can help you with.
We have created a powerful omnichannel solution to
manage the complexity of multiple channels and to
ensure your bank has the power to enhance customer
satisfaction, improve retention and importantly, enable
expansion and growth. Our goal is to help your bank
in tying together the physical and digital channels,
creating a consistent user experience and delivering
the right product, to the right customer, at the right
place in a cost effective way. BankWorld omnichannel
solution will not only give your bank cross-channel
consistency, but will also give you the agility to rapidly
deploy products, services and branding across all
channels simply.
The power of data
We give your bank the power to truly harness the
power of data by allowing you to verify and monitor
customer preferences as well as usage and behaviour
across your entire self-service network. By bringing
the information from all channels together to one
single point, your bank can analyse this information
and action it quickly and effectively. This is precisely
where our omnichannel approach will give you the
edge when compared to banks that are using siloed
solutions which must gather information from channels
which operate separately.
Take control of your channels
Above all, we create the possibility for your bank to
work independently and in-house to change the look,
feel and offerings which are presented across your
entire self-service network. We provide you with a
framework with pre-defined software and the tools to
design your self-service network to suit your needs
and the needs of your customers. We give you the
option to purchase BankWorld fully developed, or to
customise the solution. This gives you free reign to
take complete ownership and control of your self-
service network, all while working within the safety of
our secure, compliant framework. At CR2, we work to
empower you to revolutionise self-service banking.
OUR
MISSION
We understand that banking software is essential to your bank
in order to stay relevant and grow your business. As such, our
mission is to work alongside banks like yours in fast growing
markets where we can make a significant contribution in
achieving this. We are dedicated to creating results together
with your bank by making you the central figure in everything
we do. By working closely together and sharing experiences
and knowledge, our vision is to have you, our customer, directly
involved in the future of our products and creating a thriving and
rewarding omnichannel strategy together.
HOW CAN
WE MAKE
YOUR BANK
UNIQUE?
We are dedicated to working with you
to give your bank the edge against your
competition, regardless of whether
they are large tier 1 banking institutions,
or fast moving fintech newcomers.
BankWorld Omnichannel Solution will
give your bank the agility, consistency,
stability and security needed to address
the challenges of fast growing markets.
We will help your bank to differentiate
itself in how you communicate with your
customers and deliver services across the
self-service channels in a profitable way.
By definitively linking your physical and
digital channels and empowering your
bank to make changes to your channels
in-house, we work alongside your bank to
cultivate a real and lasting differentiator.
SOLUTIONS
PORTFOLIO
When your customer uses your
self-service channels they want to
see a functionality rich, personalised
experience which lets them back
their way. Our product portfolio,
which has been developed
specifically with the needs of banks
in fast growing markets in mind, not
only creates a more human banking
experience for your customer, but
also services your customers in a
cost effective and profitable way.

Integrated ATM and Kiosk Banking

self-service platform At CR2, we understand that the ATM is a trusted device to
Our BankWorld integrated self-service platform gives a your customers. With BankWorld ATM, we focus on how
true omnichannel experience in every sense of the word. your diverse customer base uses this channel use this
Through our omnichannel vision, your bank's self-service information to create a unique experience for each user.
channels are not merely linked together, they are developed With personalised screens, instantly actionable offers and
in unison. For you, this means less complexity, an unrivalled powerful market leading services, BankWorld ATM goes
360 degree customer relationship view and the freedom above and beyond your customers expectations.
to add new channels, devices or products at the touch of
For your bank, your technical team can use BankWorld to
a button. For your customers, this means exceeding their
monitor, support, and ensure your ATM
expectations and providing personalised experiences
and kiosk networks realise maximus up-
which are as unique as the individual. Each of your customer
time, while your business team can focus
segments from student to high net worth, can be offered
on designing and personalising the ATM
tailored and actionable services and offers, suited to their
and kiosk offerings to individual customer
specific market segment across all channels. Accepting fast
segments.
loans, purchasing money vouchers or buying cinema tickets
has never been easier regardless of when, where, or on what
channel your customer wants to bank. A vendor agnostic
solution, BankWorld simply works with what you already have,
removing complexity and risk for your bank while providing a
consistent experience across channels with powerful security
functionality. With BankWorld, the customer remains at the
very heart of the process.
Internet Banking
In todays fast paced banking marketplace
technology is constantly changing. One thing
that will never change is the importance of
personal communication with your customer
and we at CR2 pride ourselves on providing
you with this link between technology
and one-on-one communication with your
customer. We have specifically developed
BankWorld Internet to make online banking
personal and have designed our offering with
your customers in mind.
CardWorld
CardWorld is our complete end-to-end card
payment, management and processing
suite. It stretches from card application,
approval issuance and online authorisation to
statements, payment collections and interest
application. It also supports the issuing and
acquiring of local and branded debits cards
as well the acquiring of credit cards including
Maestro, Visa, MasterCard and Union Pay.

With internet usage in fast growing markets

ever increasing, BankWorld internet makes
simple for you to customise your internet
offering and design your own campaigns, your
way. At CR2, we give you
Fraud Management
ownership of your internet
CardWorld FraudTrap, is CR2s rule based
banking solution, allowing you
real time fraud detection solution. It is fully
to launch campaigns quickly
integrated with our Card Management system
and simply without relying on
and can automatically decline suspicious
external vendors.
transactions, protecting your bank from
common industry threats such as card
skimming attacks and card-not-present fraud.

Mobile Banking
With growth in global smartphone penetration
an ever present news trend, we at CR2 have POS
developed BankWorld Mobile with your world
in mind. We work alongside you to deliver a BankWorld POS is an original point of sale
mobile banking experience which can cater acquiring and payment system. It enables
to your diverse customer base regardless you to acquire transactions from merchant
of what device they are using through SMS, POS terminals, perform settlements and
Apps, USSD, and mobile web. Our mobile reconciliations and route them to the
banking solution can be appropriate network such as Visa, MasterCard
adapted to suit your banks or UnionPay.
needs and the needs of your
customer and we will continue
work alongside you to create
results together.
WHAT WE DO
TO HELP OUR
CUSTOMERS
We have helped our clients to achieve
their goals by designing a range of
omnichannel banking products which are
true differentiators. View and pay bills in
one place, transfer money from any device,
switch on/off your card and much more.

Our extensive range of robust, agile

solutions give you the potential to exceed
customers expectations and deliver the
right product, at the right place, at the
right time.
SUCCESS
STORIES
We proudly serve over 100 banks in 60 countries, providing value and making
banking simple. Here are just a few examples of how we have helped our clients
successfully drive their self-service channels.

Bank of Sharjah Zemen Bank

We have worked with Bank of Sharjah in adopting a true
omnichannel strategy in order to increase the availability
of products and services through the electronic channels
and develop successful relationships with their clients.
With the help of our ominchannel banking suite, Bank
of Sharjah have been able to meet their goal of taking
control of their entire self-service banking network.
They can now design and deploy new products and
services internally to all channels, deliver enhanced
customer experiences and maintain their core values of
performance, quality and initiative, all from our vendor
agnostic solution which was seamlessly integrated with
their existing hardware and core banking system.
Diamond Bank
CR2 work with Zemen Bank not only on their ATM and
internet channels, but also with our pre-paid cards
solution. Zemen Bank were looking for a way to disperse
salaries quickly in a country where people commonly
bank with different banks, or sometimes dont hold a bank
account at all as well as finding a way to allow their high
net worth clients give family members quick access to
cash when needed. Through our solution, Zemen Bank
became the first bank in Ethiopia to roll out a pre-paid
cards solution and were able to expand their customer
base by auto-acquiring people as they withdrew salaries
from the banks ATM network. We have helped the
bank to improve banking convenience and customer
satisfaction in addition to increasing revenue through the
associated fees and administration charges.

When we first spoke to Diamond Bank, they were

facing the challenges they were facing surrounding the
complexity of managing different software solutions for
each channel and migrating transaction from the branch
to lower cost channels such as the ATM. By working with
Diamond Bank to deliver our omnichannel solution, we
were able to not only meet their demands of increased
efficiency and being able to design and deploy product
and services in-house, but also to facilitate their rapid
expansion and increase their footprint by 10% and
customer by 33%.
OUR
INNOVATIVE
PRODUCTS
AND SERVICES
WORK FOR YOU

Pre-Paid Cards Fast Loans

Pre-Paid Cards allows you to offer prepaid card services
to corporate, retail and government customers. They
are a convenient and secure alternative to cash or credit
cards for corporate as well as retail consumers. It gives
corporate customers the flexibility to disburse salary or
provide staff with travel cards, as well as offering online or
family cards to individual consumers, all while keeping the
accounts safe.
Fast Loans provide your bank with the capability to
pre-approve a group of customers for a loan, define the
terms, fees and conditions, and push this offer across all
channels. In certain markets, CR2 banks have increased
their loan revenue by 30% at the ATM using BankWorld,
without reducing their loan sales in branch.

Card on/off Smart Sales Campaigning

Card On/Off provides the capability for clients to switch Smart Sales Campaigning is a powerful segmentation
on or off their card at their convenience to ensure peace solution which enables you to not only analyse
of mind. The card can be instantly switched on or off your customer data, but most importantly, to send
directly from the mobile or internet channels. personalised product and service offers to specific
customer groups based on their lifestyle. Using
Money Voucher BankWorld, you can efficiently and cost effectively
create, design and roll out segment specific marketing
Money Voucher enables you to securely provide campaigns on any or all of your self-service channels.
electronic cheque services to customers as well as
non-customers straight from the ATM, online and mobile
banking channels. These e-cheques can then be used to
remit funds to anyone across the domestic market. The
recipient can simply redeem cash at the ATM channel or
alternatively through a network of merchants or agents.
CR2 SOLUTIONS
AT A GLANCE
Our extensive range of robust, cutting
edge solutions give you the potential
to exceed customers expectations and
deliver the right product, at the right
place, at the right time.

ATM / Kiosk Banking Omnichannel Banking Internet Banking

BankWorld ATM/Kiosk Manager BankWorld Integrated BankWorld Internet for Retail

BankWorld ATM/Kiosk
BankWorld ATM/Kiosk Distributor
Client
BankWorld ATM/Kiosk Support Tool
BankWorld ATM/Kiosk Studio
BankWorld ATM Custodian
Card Management
CardWorld Acquirer
CardWorld Issuer
CardWorld Producer
CardWorld FraudTrap
BankWorld Pre-Paid Cards
Card On/Off
Self-Service Platform BankWorld Internet for SMEs
BankWorld Smart Sales Campaigning BankWorld Internet Responsive
BankWorld Segmentation Design for Mobile and smartphone
devices
BankWorld Product Factory
BankWorld Instant Cash Transfer
BankWorld Card to Card Transfer
BankWorld P2P
BankWorld Fast Loan
Mobile Banking
BankWorld Mobile SMS
BankWorld Mobile App for
Smartphones and Tablets
BankWorld Mobile USSD
POS Solution
BankWorld POS
WHY USE OUR
SOLUTIONS?
We offer these solutions to help your
bank in achieving its goals.
ATM Internet
& Kiosk Banking
Reaching customers
through self-service
With over 80% of transactions now happening on self-
service channels, banks require a powerful platform to
migrate transactions out of the branch while continuing to
cross-sell and up-sell to customers. At CR2, we have spent
years designing and supplying solutions to retail banks of
all sizes across the globe. With BankWorld, our integrated
omnichannel platform which handles an extensive range of
transactions from the selfservice channels, we can empower
you to effectively promote products and services to your
customers while consistently improving their interaction.
Mobile Card
Banking Management
Responsive sales
campaigning channels
BankWorld Smart Sales Campaigning enables the design
and delivery of personalised offers to your individual
customer segments at every level, allowing you to create
rules which will display a promotion or set of transactions for
each group of clients. Offers can be accepted by your client
directly at the ATM, online or on mobile and the product
can be delivered right away depending on its nature whilst
generating new revenue. Not only are the campaigns timely
and relevant to your customer, the text, menu and display
also adapt to the customers device thanks to our single
integrated platform.
All channels and customer
relationships managed in one place
BankWorld allows you to manage your entire customer
relationship at every touch point from a single platform,
be it ATM, kiosk, online banking, mobile banking and POS
devices. It helps you increase your sales through self-
service, achieve a real omnichannel strategy and enhance
your customer experience, regardless of the chosen
banking method. Payment switching, price settings, product
launch, sales and marketing, channel parameters and
customer information are all enhanced with BankWorld.
Easy
management
BankWorld includes a full suite of channel management
tools to design, support and control all self-service channels.
Your business and technical departments will have their
own set of solutions focusing only on their core activity,
helping bring your bank to the forefront of the industry. As
an example, your marketing team can design and launch
campaigns on your electronic channels without outside
technical assistance. As banking security is a primary
concern for clients, BankWorld is built with state of the art
security features and operates in compliance with the latest
industry standards: EMV, PA-DSS, 3DES, Windows 7, one
time passcode, multichannel authentication and more.
Segmentation and
personalisation capabilities
BankWorld allows you to define individual customer
segments and create bespoke user interfaces including
look and feel, a tailored set of transactions and personalised
offers. By reaching the right customer at the right time and
on the right channel, BankWorld also helps you to increase
your customer product ratio. In addition, BankWorld has the
power to on-board new customers with a set of services
available to all users such as bill payment and remittance
services at every touch point.
Customer
control channels
The new technology era has dramatically changed customer
behaviour including the way we bank and purchase items
on the move. BankWorld provides extensive and innovative
features which give your customers the power to manage
their own money. It not only drives action to purchase new
products at every touch point, but enhances the customer
experience with a seamless, consistent and interactive
offering across all channels. Now, even new customers can
on-board themselves using your e-channels.
CLIENT
EXPERIENCES
We aim to offer the best customer experience in Nigerian banking and our collaboration with CR2
has helped us in achieving this goal. Ensuring that we can reach customers who cannot easily
access the branch is an important part of that with BankWorld we have been able to provide
members of the unbanked population with not just basic banking services but also high-level
functionalities at the ATM, internet and mobile channels.
Head of the Transaction and Electronic Banking Division, Diamond Bank

CR2 has the right international footprint to assist us in all countries, big and small. We work together
as a partner to find the right solutions that meet both our international and local requirements. At
Standard Bank, we have a team in charge of rating our suppliers every quarter, CR2 has been sitting
in the top 10 of this list since 2003.
Director of Information Technology and Business Maintenance, Baltic International Bank

We have substantially improved customer service levels using CR2s BankWorld online and mobile
banking platforms. BankWorld enables our relationship managers to act as private bankers who
provide very efficient and confidential services to customers who only care for the best. Each
personal banker gets a unique view of their customers entire portfolio of accounts making it easier
for them to quickly answer customers requests and provide best in class customer care 24/7 online
or via mobile.

IT Director Africa, Standard Bank

There has been a significant uptake of our internet banking channel since its launch. BankWorld
delivers a unique personalised banking experience to each customer (retail or corporate) accessing
our online banking channel. We are very pleased with the high level of support provided by CR2s
professional services team and look forward to further developing our self-service strategy with CR2
in the future.
Deputy General Manager, Bank of Sharjah
OUR
SERVICES
We understand that in order for your bank to achieve real business benefits
through the self-service channels, results dont come from software alone.
For us, continuously working together with our clients to customise our
offering to their needs is what remains truly effective. We work with over
100 banks, in 60 countries and across 4 continents on projects which ensure
they are equipped to deal with the challenges and maximise the potential of
todays fast growing markets.

Implementation Project management

CR2 uses our extensive experience of retail and SME
banking to guarantee the best delivery and implementation
for all of our solutions. Whether you are implementing
CR2 solutions for the first time or upgrading to a new CR2
solution, we will ensure a smooth and seamless transition.
When working with CR2, your bank is engaged in a proven
process to make sure that all strategic objectives are met
and an efficient migration is accomplished. CR2s solutions
can be integrated seamlessly with a single or multiple
backoffice systems and since BankWorlds creation, we
have implemented solutions to over 65 different back-office
systems including leading and proprietary systems. We
serve banks in over 60 countries in developed, developing
and emerging markets. By selecting CR2, you are selecting
an established international partner with local knowledge.
CR2 understands the complexities of an implementation
and the required support of channel management software.
Our Professional Services division has developed a
proven project methodology which is based on extensive
experience managing CR2 projects and installing CR2
products worldwide. During your migration to CR2 solutions,
an entire team is focused on the smooth transition for both
your bank and customers.
Customer support
CR2 has several customer service centres located on
different continents and in different time zones to guarantee
our customers get the best possible coverage to service
their needs.

Training
CR2s objective is to ensure your staff are equipped to
operate our solutions. CR2s training program ensures that
your own staff are empowered to take complete control
of the management of your electronic channels and can
deploy products, services and new branding without relying
on any external vendors.
Compliance
Meeting industry standards such as PA-DSS, EMV and
3DES is essential to maintain safe and seamless banking for
customers. CR2 makes sure that our banking solutions meet
the industrys compliance standards, enabling your bank to
provide impeccable service across the globe.
CR2 AROUND
THE WORLD
CR2 offices are strategically located across 4 continents and in
different time zones to ensure the best coverage to service customers
needs. CR2 successfully serve over 100 banks in developed, developing
and emerging markets across 60 countries and 4 continents.

CR2 Headquarters in Ireland CR2 in Australia CR2 in Singapore

9 Beckett Way Level 2, 369 Newcastle Street Level 40, Ocean Financial Centre
Park West Business Park Northbridge 6003 10 Collyer Quay
Nangor Road Perth 049315 Singapore
Dublin 12 Australia Tel +65 6232-2908
Ireland Tel +61 (0) 8 9328 28 28 Fax +65 6232-2888
Tel +353 1 443 9110 Fax +61 (0) 8 9328 757
Fax +353 1 443 9101
CR2 in the UAE
CR2 in Jordan
CR2 in India Sheikh Zayed Road
Queen Rania Street Millennium Plaza Tower
Chetana Towers, No 19/1, 3rd Floor
Abu Al Haj Complex 10th Floor
Infantry Road Cross
2nd Floor, Office 207/208 PO Box 62187 Dubai
next to Medinova Diagnostic
PO Box 930752 United Arab Emirates
Bangalore 560001
Amman 11193 Jordan Tel + 971 4 331 5414 / +971 4 387 5200
India
Tel +962 6 516 3122 / 3124 Fax + 971 4 331 5480
Tel +91 80 4241 9800
Fax +962 6 516 3123
Fax +91 80 4241 9888

CR2 in Egypt CR2 in South Africa

Smart Village Oxford Gate
Km 28 Cairo Alexandria Desert Hyde Park Lane
Road Cnr William Nicol and Jan Smuts
Building B2401, SMARTZONE Johannesburg, South Africa
Office 80176 October 12577, Egypt Tel +27 (11) 280 6614
Tel +202 35358017 Fax +27 (11) 280 6610
Fax +202 35350549