Overview  | Payment Solutions | Terminals | Loyalty & CMS System | Cards

Consumers, bankers & retailer as always looking for new payment channels, electronic money is becoming a high demanding commodity, every person is hoping to facilitate his purchasing process fast & secure, web on-line payment is becoming more reliable and accessible for the internet surfers. Same for bankers & retailers they want also to optimize & enhance the way consumer is paying, withdrawing & transferring money.

Payments are processed via debit/credit bank cards with chip, and payment terminals with compact sized, modern communication & colored LCD screen start to take stake at the retail outlets and increasingly competing with cash payments. More to add, mobile payment/wallet are the new trend that would seriously compete with cards & web payment.

Retailers are keen to keep & attract their customers and tie them with customer loyalty system, they wants the consumer to use their cards to track and register their favorites good purchasing & know their buying behavior.

Our innovative payments, cards & loyalty have plenty of options & feature that would simplify the payment world for everyone. Consumer, banks & retailers.

Overview| Payment Solutions | Terminals | Loyalty & CMS System | Cards

KTC introduce a successful payment solutions that helped financial institutions & retails to maximum the ROI & reduce the TCO, we have always worked with internationally award-winning products & solutions in the payment world.

Our offered solutions are:

• ATM Driving Switch
• Mobile Banking
• Mobile Wallet

ATM Driving Switch

Consumers expect to be able to use ATMs wherever and whenever they want. While providing and managing an ATM network can be challenging, our customers are reducing their costs, increasing revenues, tightening security, expanding product offerings, and improving service levels with our solutions. We are helping transition the ATM from a cash dispensing device into a vital customer relationship tool.

Features:

• ATM driving and monitoring
• Transaction routing and switching
• Remote key deployment
• Value-added services at the ATM
• Management information and reporting

Mobile banking

The strategic reasons for additive mobile banking are extremely compelling. With the increasing requirement for convenience from consumers in developed economies and the essential need to provide access to financial services to consumers with limited access to other electronic channels mobile banking provides the solution.

By offering Mobile Banking as an additional electronic channel Banks have a significant opportunity to reduce cost by maximizing existing infrastructure and reducing further investment in expensive infrastructures such as branches and ATM networks, whilst also opening up other potential revenue streams. Mobile banking provides excellent opportunities to existing programs, such as branchless banking and self service banking, in the financial services industry.

Fundamo Mobile Banking: This enables "additive banking" by providing mobile channels to enable services to existing banking clients. For banks, the Fundamo Mobile Banking technology delivers improved service provision, and a cost benefit in terms of increased "self service" banking through an additional "electronic" channel - i.e. the mobile device. The Fundamo Mobile Banking product can deployed separately or as part of the Fundamo Enterprise Mobile Financial Services Platform with Mobile Wallets, so that both products can be accommodated off the same enterprise platform.

The Fundamo Enterprise Edition provides well defined connections and the option to run a number of alternate business models, including the extension of existing consumer and merchant services to a broad serviceable market.

Mobile Wallet

The instant ubiquity of mobile phones in developed and evolving markets, coupled with growing demand for financial services wherever in the world you may be, is driving a rapid growth in mobile financial services. The market sector has seen its evolutionary cycle and has reached a state of maturity that lends itself to the mainstream uptake of these services.

The Mobile Wallet provides Mobile Network Operators (MNO) and Financial Organisations with the opportunity to bring transformational mobile financial services to individuals in economies where access to financial services is extremely limited.

Deployment of a Mobile Wallet by an MNO supports their drive for value added services, brings their pre-paid clients closer to the network by providing more insight into the individual and will also enable the MNO to benefit from business improvements in ARPU, reduced churn and access to new revenue stream such as money remittance services.

For the Financial Organizations the Mobile Wallet provides them with the opportunity to extend their services to currently un-banked consumers, providing a more cost effective service to a fundamentally different market and therefore enabling them to grow their market share.

Fundamo´s significant experience in the Mobile Financial Services industry and market leading technology solution provides clients with the opportunity to capitalize on key market trends by leveraging the experience and insight to define which mobile applications are most likely to appeal to the marketplace and how these can be packaged to provide a compelling and differentiated business model.

Overview| Payment Solutions | Terminals | Loyalty & CMS System | Cards

KTC Loyalty System provides an empowering solution for a card issuer to launch a successful Loyalty card campaign. A loyalty bureau services, stand alone loyalty program, co-branded or add-on service for a credit card program, KTC Loyalty provides comprehensive features and tools for the card issuer to maintain the most dynamic loyalty campaign demanded.

Our system can be integrated with multiple external systems, such as CRM or data mining application for intelligence information-refining; SAP or other accounting and financial system for cost consolidation / planning / P&L. All this is made possible with the libraries of Standard and Custom APIs.

Interaction with an existing loyalty program of another organization has been made simple with our Loyalty Exchange system. With this module, there is no need to perform major migration or complex integration between 2 loyalty parties.

Overview| Payment Solutions | Terminals | Loyalty & CMS System | Cards

Electronic Data Capture Terminals or Point of Sales Terminal had many evolutions on technology & applications, in the past retailer used it only for payment transaction processing, today a new era of PCI PED EMV level 1 & 2 payment, loyalty, gaming and much other applications start to lying on terminal.

Using different method of communication from dial-up, GSM/GPRS, WiFi, Bluetooth to IP Connectivity the terminal can now communicate with host application at the acquirer or processor or even application provider faster, more securely & efficiently. Terminals are available on Desktop counter, Portable & Multilane with PIN Pad for Magstrip/Smart Card reading.

We can provide terminals & solution to the following verticals:

• Banking
• Retail
• Gaming

Overview| Payment Solutions | Terminals | Loyalty & CMS System | Cards

KTC cater the market with multi-purpose cards for different use & applications, the cards are the new trend of introducing or getting a service, we help many organization to procure their needs of cards & card solutions by each by its industry:

• National ID & Driving license
• e-Passport
• Debit/Credit Bank card
• Prepaid card
• Stored-Value & Gift cards
• Fleet Card
• Loyalty Card

Our offering includes developing & customizing a total end-to-end production, personalization & managing of cards that includes:

• Card Printing Solutions
• Card Management System