Solutions

Overview

In today’s world, delivering a great customer experience is essential in differentiating your business and building loyalty with your customers. In order to deliver an exceptional service, you require a system which is able to address these needs and this is where CRM solutions come in.

Our choice of CRM is MS Dynamics CRM; it assists the organization address 3 main areas in business which are; Opportunity management, Customer care or service as well as marketing automation.

Accessibility

MS Dynamics CRM is accessible through various devices. You can access the solution through the various devices available to you such as through a smart phone, through a tablet, through Outlook and also through a browser. Making it adaptable to the various scenarios one may be in thus increasing productivity.

Why MS Dynamics CRM?

  1. Personalized – CRM gives the user a familiar experience and making it easier for adaptability
  2. Proactive – CRM enables the business and the staff to be more proactive as they are able to view what is happening the business on a real time basis. Enabling the staff to be proactive in sorting out issues. Management also has visibility through the real-time dashboards available within the system.
  3. Predictive – with all the information captured within CRM, with time the business will be able to learn the trends and predict issues and even deduce when new product lines or improvements are required through analysis of the information in the system.

Modern day Banking Customers want access to more than one channel to transact. Without a comprehensive solution in today’s competitive financial market, customers are bound to select an alternate financial service provider. With Eclectics Internet Banking Solution, we will provide a Comprehensive Internet Banking Solution. The solution will be integrated seamlessly with the Core Banking System, ATM Switch and any other 3rd party systems e.g. Utilities and Telco’s.

The Eclectics Internet Banking Value Add

  • Cost-effective security components
  • Supports 24/7 operations and up time
  • Access to balances, Bill payments, account history, foreign exchange, payment of invoices, P2P payments, transaction status, Air-time etc.
  • Fast implementation and integration to any CBS
  • Scalable support model
  • Improved customer service
  • Differentiation in the market by offering a comprehensive  banking experience
  • Reduced cost to serve and low integration costs
  • Drive new revenue streams and opportunities
  • Fully upgradeable service with  access to Eclectics support
  • Anytime/anywhere banking
  • New customers can open  accounts remotely (Self Registration)
  • Improved service delivery

The Agency Banking solution delivers financial inclusion for unbanked and under banked customers who live in remote locations without access to brick and mortar branches. By increasing the number of touch points providing financial access, whilst reducing transaction costs. The Agency Banking Model is a key part of the financial inclusion strategy for Africa.
Isolation and a lack of infrastructure compound the issues facing those living in remote rural areas when it comes to accessing financial services. Agency Banking opens the door to greater financial freedom by extending business hours to customers and offering greater convenience to the rural population facing challenges due to poor infrastructure.

Robust , Sustainable, Agile

The Eclectics Agency Banking solution allows bank’s customers to access basic banking transactions at a location convenient to them. The banking agent could be located in a convenience store outlet, or they can travel to the customer. Equipped with a point-of-sale (POS) card reader and USSD enabled devices, which are SIM enabled, they can remotely and securely connect to the bank’s server. Customers transact using a bank card, mobile phone or Mobile Wallet. Increasing the reach of financial services through agents enables the population to access financial services without creating additional risk and cost to the bank.

  • Access to a full range of basic banking transactions, including cash withdrawals and deposits, balance enquiries, account opening, bank statements, fund transfers, bill payments, mobile top-ups, invoice payments etc.
  • Uses latest affordable technologies (e.g. POS, mobile)
  • Opens up new revenue and income streams for banks
  • Better customer service
  • Low cost integration and reduced time to market

Eclectics Back office Solutions automate and simplify several activities in the financial institution.While providing unprecedented visibility and data about the personnel, processes and work performed in the back office.

This insight helps balance workloads, optimize resources hence increased efficiency, meet service delivery goals and improve quality of service within the institutions compliance.

Some of our Back-office Solutions include:

  • Comprehensive HR and Payroll System
  • STP – SWIFT/RTGS – eWorkflow System
  • Check Book & Cards Ordering System
  • Cheque Truncation and Imaging Systems
  • Loan Origination & Credit Scoring System
  • Comprehensive Reconciliation System
  • Non-performing Loans/debt recovery system
  • Electronic Document and Record Management System
  • Offline-Online Branch management solution
  • Real-time Bank Performance Executive Dashboards
  • Corporate Bulk Salaries/Payments Processing

ICT Consultancy Services

Eclectics International take pride in not being just an Audit firm formed by consultants in the IT Consultancy and Audit arena, but as a company that has dealt with operational issues surrounding financial systems, banking and fiscal management for over 10 years. The expertise is borne through years of operational experience, gains, successes and use of international best practices
that we apply to deliver results.
We offer various consultancy services which include:
  • Project Management
  • System Audit
  • Post Implementation Audits

Some of the benefits of Eclectics ICT Consultancy Services include:

  • More profitable use of valuable in-house ICT talent
  • Improved ICT performance and reliability
  • A technology edge over competitors
  • Access to different skills, technology and use of industry best practices
  • Fast deployment and implementation of solutions
  • Seamless and affordable technology migration
  • Business contingency and continuity

Our Digital Channels are geared at delivering banking services anywhere/anytime self- service Mobile and Internet Banking solutions to the end user.

Mobile Wallet – USSD

Banking customers want more convenient services that fit their lifestyle and the limitations of their geographical location. Traditional person-to-person interactions in branches impose too many restrictions; now they are demanding greater flexibility from their banks through anytime/anywhere digital channels.

Mobile self-service banking through USSD Mobile Banking, banks can offer convenient and secure mobile self-service banking to all customers who own feature phones. As the use of mobile devices becomes more sophisticated, banks struggle to differentiate themselves in an increasingly commoditised market.  Eclectics USSD Mobile Banking will enable a bank to stand out and also offer a wide range of marketing and sales generation capabilities.

Banking on the Move (Anywhere/ Anytime)

This provides customers with a convenient way to access their money and settle their bills on the move on their feature phone. At the same time, banks are able to offer other services such as stop cheques, request, bill payments, Funds Transfers, etc., which will improve customer service. The service will increase revenue and cut down on operational costs as turn-around time on service delivery is improved and branch visits minimized.

The Eclectics USSD Mobile Wallet Value Add

  • Differentiation in the market by offering a comprehensive  banking experience
  • Reduced cost to serve and low integration costs
  • Higher customer retention rates
  • Drive new revenue streams and opportunities
  • Fully upgradeable service with  access to Eclectics support
  • Anytime/anywhere banking
  • Access to balances, payments, account history, foreign exchange, payment of invoices, P2P transfers, Bill payments, transaction status, Air-time etc.
  • New customers can open  accounts remotely (Self Registration)
  • Improved service delivery

Mobile Wallet – APP

Smartphone usage continues to rise by the day. The global potential for their transformation into mobile banking platforms means customer expectations for mobile banking are high. The Eclectics Mobile Banking solution enables banks to offer their customers innovative smart device banking services that are easy and simple to use.

Cross Device (iOS, Android and Windows)

Eclectics Mobile Banking Solution exploits Smartphone capabilities and can be integrated into any existing digital banking platform. Offering a wide range of services from account enquiries, self registration, bill payments, funds transfers and applications and instructions, it turns the Smartphone into the perfect tool with which customers can control and manage their finances.

Using Eclectics Mobile Banking Solution, Banks can deploy a Mobile Banking application that enables them to differentiate themselves by offering their customers a unique and flexible banking application with the added reduced time to market benefit. The platform also includes cost effective security components and can deliver 24/7 operations.

The Eclectics Mobile Wallet Application Value Add

  • Cost-effective security components
  • Supports 24/7 operations and up time
  • Access to balances, Bill payments, account history, foreign exchange, payment of invoices, P2P payments, transaction status, Air-time etc.
  • Fast implementation and integration to any CBS
  • Scalable support model
  • Improved customer service
  • Low cost integration for banks
  • Reduced fraud potential
  • Greater customer retention
When we say we understand equipment finance, we mean it! We have produced the most highly customizable, user-friendly lease, loan accounting and asset management software solution in the industry. Our in-house team caters to your every need, providing assistance and advice as your business grows and changes.

What is Leasing

A lease transaction is a commercial arrangement whereby an equipment owner or Manufacturer conveys to the equipment user the right to use the equipment in return for a rental.

In other words, lease is a contract between the owner of an asset (the lessor) and its user (the lessee) for the right to use the asset during a specified period in return for a mutually agreed periodic payment (the lease rentals).

Our System
  • Simplifies the accounting process.
  • Conforms to your preferred processes and workflow.
  • Reduces costs and increase staff productivity.
  • Integrates seamlessly with other business software.
  • Provides timely, accurate information to senior management.
  • Adds value for both you AND your customers.
Technology and Architecture
  • Web Based System
  • Cloud based
  • Intuitive graphical interface
Key Features
  • Lease/Loan Management
  • Fixed deposits
  • Asset management
  • Clients can access their data through a web portal
  • Alerts (SMS and emails)
  • Billing and Invoicing
  • Integrates with Mobile money services for Lease/loan repayments
  • Multicurrency system
  • Work-flow oriented processing
  • Comprehensive financial reporting
  • Mobile Application

The Integration Game Changer

Banks across the globe have swiftly embraced electronic banking across multiple channels. As banks have adopted technology for multi-channel banking, the limitation of technology to integrate with existing systems of the bank to provide reliable information has been a challenge.

Eclectics International has developed the eConnect ESB gateway for system integration between the many disparate systems running at the bank. The eConnect ESB gateway enables the interface of data between 2 or more systems in a Service Oriented Architecture.

The eConnect ESB comes with the following modules:-
  • eConnect ESB Core
  • eConnect ESB Fraud guard Module
  • eConnect ESB Dashboard Module

The eConnect ESB will offer the following to enable end to end transaction processing from Systems to the core banking system and vice versa.

The transactions to be processed include;
  • Account validations
  • Receive Message
  • Queue manages
  • Format Message
  • Validate message
  • Process message
  • Forward Message
  • Approval limits
  • Charges & fees
  • Currency setup
  • Terminals setup
  • Online interface
  • Offline uploads
  • HSM security authentication
  • Data transmission Encryption
  • Web services Management
  • Alerts and notifications
  • MIS reporting

MIS Reports: eConnect ESB Gateway comes with comprehensive management and administration reports showing transaction processing, transactions declined, periodical reports, transaction logs, error logs, nodes split reports, interbank 3 rd party transaction reports etc.

The reports can be retrieved in any format including XML, excel, PDF, etc.