SAP Mobilizer (Sybase 365)

Sybase 365 Mobiliser Platform

Sybase 365 Mobiliser Platform is the cornerstone of a number of the most advanced ecosystems of a mobile commerce worldwide. This functionally complete platform of an operator class supports all mobile channels, including the SMS, USSD, the mobile browser, the loaded client, STK also works on any mobile devices, in any networks, in any languages and with any currency worldwide.

In December, 2012 the SAP company provided to the Russian SAP Mobilizer market – the full solution for mobile banking including the innovation mobile services of interaction with consumers. Solutions are the cornerstone the innovative developments of specialists of SAP Sybase subsidiary company - the leader in processing of interoperator messages (processes more than 1.8 billion messages a day, providing connection more than 900 operators who provide services of 5.5 billion subscribers worldwide). Now mobile phone number becomes the main user ID that will make possible implementation of financial transactions using the mobile phone.

SAP Mobilizer is the platform intended for implementation of financial transactions using mobile devices - not only modern smartphones, but also normal low-functional cellular telephone sets. Now it is possible "link" the account in SAP Mobilizer to a customer account at the mobile operator, a customer account in bank, or the account in an electronic payment system, including Yandex – money and QIWI and also any credit card and the card of loyalty. At the same time use of any data transmission channels, such as the SMS is possible, Mobile WEB, WAP/XHTML, USSD, IVR, STK and special applications. In addition to broad support of devices, such as iPhone, Blackberry and systems based on Android and others, it is provided the appendix which does not have analogs based on SAP Mobilizer for iPad which will become available at the end of 2012.

"How in the company use business information and as far as it is available to consumers in real time, can become its competitive advantage. Considering that after the western companies more and more Russian companies use technologies for a mobile commerce, we represent to the Russian SAP Mobilizer market - the product, best in the class, which is available even to the small fast-growing companies - Lisogor Dmitry, the deputy CEO of SAP CIS so commented on news. - This solution will allow the companies not only to provide more full range of services of mobile banking to which got used and which is expected by clients, but to increase their flexibility and to increase service quality owing to what it is essential to increase also quality of life of clients".

The solutions mBanking, mPayments, mTopUp and mRemittance are a standard part of the platform.

• The solution mBanking gives an opportunity to use such standard services as card management and PIN, a balance request, payment of accounts, transfers, bank self-service, etc.
• The solutions mPayments, mTopUp allow to pay bills, to perform purchases from any partner connected to the platform; transfer money as to the registered users of the platform, and unregistered; manage the e-wallet using several sources of funding; recharge the mobile phone in cash or using vouchers.
• The solution mRemittance allows to perform money withdrawal from the ATM without card, money transfer to any account or the e-wallet, purchase of the voucher from any agent or a sales point, management of lists of friends and family for more convenient implementation of transactions.

"By estimates of analysts, more than 1 billion people in the world own mobile phones, but have no access to banking services. It is made new target audience. Using the SAP solution Mobilizer (Sybase 365) and using the mobile phone as the main channel of interaction, our clients already began to work with this one billion. In Russia, by different estimates, the number of people who have no access to banking systems hesitates from 30 to 40 million people. What is not less important, using SAP Mobilizer it is possible to build the effective channel of interaction with, so-called, the generation Z which was born with ipad'om in hands and grew on the Internet", - the director of the department of work with financial institutions of SAP CIS Ilya Shulipin noted.