InterBank Mobile Retail

InterBank Mobile Retail is a RBS system for mobile banking of individuals based on the InterBank RS omnichannel platform.

The app is compatible with smartphones and tablets on iOS, Android and Windows Phone platforms. It is supplied with a system for organizing Internet banking service - InterBank Retail.

2023: PWA version of mobile bank

On February 1, 2023, R-Style Softlab announced the expansion of the line of RBS systems to include a mobile bank implemented in PWA (Progressive Web Apps) technology. This technology transforms a regular website, in the format of which a mobile bank is made, into a full-fledged application for a smartphone and makes it easy to download it from a link from the bank's website.

Clients of a credit institution will not notice any differences when using mobile applications - they have a similar interface and a set of tools identical to the Internet client for managing user products and settings, as well as functionality for creating applications, payments, transfers, etc. Confirmation of entry into the application, registration, restoration of access and payment transactions is carried out by SMS. The only condition for successful use of the application is that a standard browser must be installed on client devices.

For banks, the use of PWA technology is also very convenient. PWA solutions are simpler than native applications in development and support. They do not need to be posted in the AppStore and Google Play for download - this can be done from the site. And due to the fact that the PWA application is installed on the server side of the system, all its users work on the same version, which makes it easier to diagnose errors and administer.

2016: Integration with social networks

On February 12, 2016, R-Style Softlab announced the modernization of the InterBank Retail: RBS of Individuals solution, ^[1].

The company has expanded integration with social networks (VKontakte, Facebook, Odnoklassniki, My мир@mail.ru), additional functionality for analyzing and planning personal finances (PFP), configuring the Personal Account interface using widgets, support for technologies and solutions from financial information protection providers - SafeTech and Gemalto.

Customers of banks using the R-Style Softlab RBS system will be able to make payments in a more convenient way by clicking on the profile of their contacts on social networks directly from the "Personal Account" of the Internet bank. Authentication has become available to them through their own social media account.

As part of the PFP service, users will receive a vision of an aggregated balance sheet for all the bank products involved with an assessment in different currencies at the bank's exchange rate, detailed information on the structure of expenses, the ability to indicate and calculate the planned amount of expenses, including by category and much more.

The appearance of the "Personal Account" of the Internet bank will be formed using widgets that are displayed on the computer screen. If desired, bank customers can transfer or remove parts of blocks with bank services and products without affecting functionality.

Special attention in the system is paid to ensuring security, in particular, support for software and hardware generators of one-time passwords from manufacturers of means for protecting remote banking systems - companies SafeTech (application) PayControl Gemalto and (Ezio Pico tokens). The solutions serve as a replacement for SMS passwords, the developers said, they provide a higher level of security when logging in and making financial transactions. Unlike SMS, passwords generated by software and hardware are not subject to interception when sent through open channels, theft as a result of duplication of a SIM card, are protected from complex attacks (phishing, infected browser), have additional protection mechanisms like their own (for PIN code Ezio Pico) and confirmation of transaction parameters using a QR code (c). PayControl

author = Vyacheslav Alekseev, Deputy Director of the Department of Electronic Banking Systems R-Style Softlab We focused on expanding the capabilities of our solution beyond the usual banking service, ensuring a higher level of security and improving the ergonomic characteristics of the system. - This will allow credit institutions that have established InterBank Retail to increase the attractiveness of remote services for current and new customers.

2015: InterBank Mobile Retail

On December 17, 2015, R-Style Softlab introduced InterBank Mobile Retail -^[2], a mobile banking solution for individuals^[2].

Diagram of interaction with bank systems

The application supports the concept of omnichannel for building remote services on a single client base, preserving the logic of business processes. Take advantage of mobile platforms.

With the help of the solution, the bank can offer the client a package of options, in accordance with modern requirements:

• opening deposits,
• opening accounts,
• ordering cards,
• planning and monitoring of expenses,
• transfers between accounts and from card to card,
• SMS Notification Management
• much more.

The application uses the capabilities of mobile devices:

• camera,
• calendar,
• gallery,
• address book,
• proximity sensor,
• location data (geolocation)
• others.

The developers have implemented in InterBank Mobile Retail a number of information services that help the bank in interactive interaction with the user, receiving feedback from him.

Training screens, a help center and a personal chat with a bank employee are available. There is a "bank of ideas" in which user suggestions about improving the functionality of the application accumulate.

The client can call from the application to the bank's support service via GSM communication or via an Internet connection (3G, 4G).

author = Pavel Zhurikhin, Director of the Department of Electronic Banking Systems R-Style Softlab The solution has a high level of transaction protection thanks to the support of modern cryptographic protection tools and methods of authentication and confirmation of operations. The main way to ensure the security of transactions in the new mobile application is SMS confirmation. As an additional measure, an event notification system is implemented, for example, changing the code date or short code.

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