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Application Development
Project Outsourcing
Outsourcing
Product Development
Quality Assurance
UX/UI
Platform as a Service
Code Audit
Enterprise Mobile Development
Legacy Application Modernization
Enterprise Application Support
Front End
Back End
Outsourcing
Product Development
Quality Assurance
UX/UI
Platform as a Service
Code Audit
Enterprise Mobile Development
Legacy Application Modernization
Enterprise Application Support
Front End
Back End
Internet of Things
Innovation Through Technology
Internet of Things
Machine Learning
Additional Services
Business Analytics & Big Data
Application Security
Database Development
Internet of Things
Machine Learning
Additional Services
Business Analytics & Big Data
Application Security
Database Development
Explore WISEWELL Platform Solution
Overview
Features
How it works?
Integration
Examples
IoT for Digital Banking Transformation
Banking is an essential part of IoT conception, if nowadays it might be slightly noticeable but in the close future it will be hard to imagine effective Bank management without IoT technologies.
Digital Transformation, at the moment, is something that is on most companies' roadmap, and directly depends on IoT technologies and Big Data conception, including related dynamically developing analytical mechanisms based on such technologies as Machine Learning and Data Mining.
Early Client Identification
Totally New Opportunities
Bank Customer- how you greet?
Bank Customer – how to attract?
Bank Customer and Retail
Today's situation
When and how Bank gets to know that Bank customer is about to perform any *operation*? - Only when Customer initiates the action, i.e. approaches the bank operationist, inserts card into an ATM, calls the call center, logs into mobile banking and etc. Therefore, this is the moment it becomes obvious who the client is and what he is going to do.
New Opportunities
What are the advantages, if Bank anticipates that specifically this Customer is going to apply to the Bank?
*operation* – any action carried out between Bank and Customer (opening a bank account, credit payment, bank/account reference and etc.)
When and how Bank gets to know that Bank customer is about to perform any *operation*? - Only when Customer initiates the action, i.e. approaches the bank operationist, inserts card into an ATM, calls the call center, logs into mobile banking and etc. Therefore, this is the moment it becomes obvious who the client is and what he is going to do.
New Opportunities
What are the advantages, if Bank anticipates that specifically this Customer is going to apply to the Bank?
*operation* – any action carried out between Bank and Customer (opening a bank account, credit payment, bank/account reference and etc.)
Today's Situation
Customer database and CRM provide Bank with easy way of collecting and storing Customer information, which is frequently used by credit departments and collector services but rarely used and less effective for sales and marketing departments to attract new customers and/or bank products promoting.
New opportunities
Imagine that Bank is getting information every time when client enters any of bank's branches or passes next to it, bank's ATMs or booths. At the same moment Bank could attract the Customer by showing an advertising message on the screen (could be with sound effect) – Do you remember fantastic movie "Minority Report"?
Customer database and CRM provide Bank with easy way of collecting and storing Customer information, which is frequently used by credit departments and collector services but rarely used and less effective for sales and marketing departments to attract new customers and/or bank products promoting.
New opportunities
Imagine that Bank is getting information every time when client enters any of bank's branches or passes next to it, bank's ATMs or booths. At the same moment Bank could attract the Customer by showing an advertising message on the screen (could be with sound effect) – Do you remember fantastic movie "Minority Report"?
Today's Situation
Some banks have partner relationships with retail chains. Occasionally, that kind of partnership leads to the appearance of Loyalty Cards, and as a result improves customer attraction and retaining situation by financial motivation, but in today's concurrency world this might be not enough!
New opportunities
Integration of CRM for Banking and Commercial Network accompanied by IoT will give a great opportunity for immediate marketing promotions, focusing on specific Customers while they are in Shopping Centers or just passing next to them.
Some banks have partner relationships with retail chains. Occasionally, that kind of partnership leads to the appearance of Loyalty Cards, and as a result improves customer attraction and retaining situation by financial motivation, but in today's concurrency world this might be not enough!
New opportunities
Integration of CRM for Banking and Commercial Network accompanied by IoT will give a great opportunity for immediate marketing promotions, focusing on specific Customers while they are in Shopping Centers or just passing next to them.
Banking with WISEWELL Platform
Customer Device Identification
Portable Devices
Practically every person in the world has Smartphone and is able to use different kinds of internet services.
Many people also use Smartwatches, Smart bracelets, Bluetooth headset and etc.
RFID cards with expanded distance range
Moreover, many cars owners are using remote control keys.
Practically every person in the world has Smartphone and is able to use different kinds of internet services.
Many people also use Smartwatches, Smart bracelets, Bluetooth headset and etc.
RFID cards with expanded distance range
Moreover, many cars owners are using remote control keys.
Unique Identificators
All listed devices are the source of radio signal and have unique mark which can help to identify the owner of the device.
The primary radio protocols are Wi-Fi and Bluetooth.
Additionally you can use other specific radio protocols (in process)
All listed devices are the source of radio signal and have unique mark which can help to identify the owner of the device.
The primary radio protocols are Wi-Fi and Bluetooth.
Additionally you can use other specific radio protocols (in process)
How it works?
Technology
Device - WISEWELL® Probe WB1
Probe WB1 – Wi-Fi Scanning
Probe WB1 – Additional features
Probe WB1/LRF – Distant RFID Scan
- WISEWELL® platform, developed by Fominov Consulting company, consists of Linux OS core based micro-controller accompanied by specialized radio-interfaced controllers - Wi-Fi 2.4GHz/5GHz, Bluetooth, BLE, 3G/4G/LTE (RF4xx/8xx, ULR RFID, LoRaWAN - in process)
- Described developed software - WISEWELL® - covers all range of device detection and identification functions.
- Up to now WISEWELL® has already been Integrated with IBM Bluemix , there are some more possible integrations with Azure, AWS or directly with Bank's MQTT interface.
- WB1 – this device is implemented where you need to identify Customers via Wi-Fi and BT/BLE
- Application of powerful Wi-Fi radio controller with 5dBm antenna amplifier provides wide coverage (>70 m)
- WB1 has 1GbE Ethernet and can use PoE as power source
- 12GB or 28GB Flash memory for accumulating offline data buffer
- Optionally, there is a feature for using 3G/4G/LTE modem as alternative connection channel.
- Form factor of device can be reduced and redesigned according to specific order (minimum amount – 200 units)
- Special chipset and Wi-Fi adapter with micro cord allow to scan devices even with disabled Wi-Fi connection
- MAC devices (unique ID)
- Scanning helps to determine access point with enabled connection
- Signal strength, i.e. approximate distance
- Device type and manufacturer
- WB1/TA model – this is an expansion module to integrate variety of external sensors and devices (Telemetry & Aux)
- Additional sensors can be used to measure indoor conditions (CО/CO2 concentration, О2 level, air temperature and humidity, noise level, illumination and etc.
- External Aux Telemetry sensors can also be integrated, for example, with physical and fire safety system, presence sensors, vibration and/or opening sensors of safe or ATM cases and etc.
- WB1/LRF model – this is an expansion module for scanning identification
data from RFID chip in 15-20 meters - Application of ULR (Ultra Long Range) RFID technologies allows to scan identification data from every chip embedded in plastic card – this can be credit card, loyalty card, access card and etc.
- If customer keeps that kind of card with chip in his pocket (wallet) then you can easily (without direct contact) scan it distantly in order to get information (only identification data)
- Application of several WB1/LRF in the same area (<300 m2) allows to determine objects location with 1-meter accuracy
Integration with Bank Systems
About Integration– Scenarios
Data collection
Mobile apps and Wi-Fi
Mobile apps and Bluetooth
Identifying customer by portable plastic card
Scenarios for branch of future
- This scenario can be applied absolutely to all objects without special application (for example, mobile banking) on device, and includes massive information collecting of available mobile devices according to Wi-fi signals and forwarding the received data to the analytical system for further processing.
- Take in account that Wi-Fi connection must be enabled on device, although it is known, on some phones Wi-Fi continues sending signal packages despite disabled Wi-Fi module, therefore these packages might be caught and processed by WISEWELL Probe WB1.
.
This scenario includes opportunity to get feedback from customers who has mobile application. Mobile application must include special functional ability of central system which connects MAC-address of mobile device with customer's identity in order to change any updated information about customer's mobile device (because customer can change mobile device). In spite of this, the process of collecting information about customer's presence continues like in the Scenario 1.
The primary dispatch system (requires development) in this scenario will be able to suggest customer services according to CRM settings in the particular location (for example, when he approaches the bank)
The primary dispatch system (requires development) in this scenario will be able to suggest customer services according to CRM settings in the particular location (for example, when he approaches the bank)
This scenario is quite similar to Scenario 2, with one difference – it is based on Bluetooth client identification.
- Scenario 1 and 2 can function at the same time, but the effective range of Bluetooth is quite less – maximum 20 meters (if cell phone is in pocket or bag then only 10-15 meters)
- Since Probe WB1 has amplified radio module, it is easy to provide high detection range outside the bank's branches area, i.e. close to bank territory, for example, on the way to the entrance
This scenario presents quite new approach in early customer identification and doesn't depend on whether customer has special software on mobile device or even if he doesn't have any mobile device.
- During nameless plastic cards production (payment card, loyalty card and etc.) additional ULR RFID chip with own internal antenna contour can be "inserted" in the card. This chip will contain unchangeable unique number.
- During card personalization and following compliance registry unique number of ULR RFID chip will be matched with card number, owner's identity and etc.
- The moment customer with this card enters WB1/LRF coverage area he could be easily identified and in case if he has mobile application even get a feedback.
- Digital Banking development tendency is aimed to simplify Customer-Bank relationship, i.e. reduction of intermediary stages. Progress is moving towards omni-channel banking.
- In the closest future there will be branches without personnel, where besides using ATM you'll be able to contact bank operator by audiovisual technologies, print full-sized documents verified with electronic signature, additional features of biometric authorization and much more.
- Internet of Things and WISEWELL platform raise Customer Journey, Customer Experience, KYC to the next totally different level, where proactive work communication with customer will prevail present less effective reactive work.
Integration – Examples
About Integration– Examples
CRM/BI
Queue/CRM
Digital Signage
Retail CRM+BI
Analytics and New Knowledge
Safety and minimizing risks
Customer with mobile application is n the Bank, system automatically defines him and according to the BI / Front Office information identifies that this customer often gets short term loans. Following the predetermined scenario this customer could be offered new product. The offer will be send immediately to his mobile application.
After positive customer reaction he is suggested to approach the operator who has already prepared everything for process of credit application.
After positive customer reaction he is suggested to approach the operator who has already prepared everything for process of credit application.
Customer with mobile application passes next to Bank. According to the internal system information in order not to get penalty from the Bank Customer has to pay loan in 5 days.
After customer gets in the line he can use application to see number indicating his place in the queue and time left for his turn (this time could be used for having coffee in the nearby cafe)
That kind of registration allows Bank to receive information about the customer in advance and makes it possible to direct him to appropriate bank operator
After customer gets in the line he can use application to see number indicating his place in the queue and time left for his turn (this time could be used for having coffee in the nearby cafe)
That kind of registration allows Bank to receive information about the customer in advance and makes it possible to direct him to appropriate bank operator
There is an information screen placed at the entrance of the Bank and there is a Customer with mobile application passing next to it. Standard Bank advertising scenarios are playing on the screen, but it is possible to stream any content in the certain moment of time.
Depending on chosen scenario settings targeted advertising will appear on the screen, possibly with sound effects.
For example, there are not many people in the Bank at the moment, but there are bank customers near the screen, therefore by using the screen they can be attracted to the Bank.
Depending on chosen scenario settings targeted advertising will appear on the screen, possibly with sound effects.
For example, there are not many people in the Bank at the moment, but there are bank customers near the screen, therefore by using the screen they can be attracted to the Bank.
Deployment of Probe WB1 in shopping malls will help to collect attendance statistics and form customer behavior model. For example, you can determine customer to one of the following client types: spends much time in Emporium – high level of income then, spends much time in Zara – average income, and LC Waikiki – beginner level.
If client from average group spends time in Massimo Dutti depending on collected information, for example, low balance on the credit line, an instant offer can be made….
If client from average group spends time in Massimo Dutti depending on collected information, for example, low balance on the credit line, an instant offer can be made….
WISEWELL Probe WB1/TA opens new opportunities!
- What other factors influence customer satisfaction level? – There are many of them, including unconscious ones, precisely environment which Customer might enjoy or vice versa tries to escape as soon as possible. The same environment influences customer's mood and thereafter made decisions.
- Complete environment statistics (noise, light, climate and etc.) can be compared to other data, for example, attendance frequency, what and how Customers did, how effective were bank operators and etc. .
- Acquired new knowledge constantly helps to improve efficiency by changing step-by-step and analyzing results in order to plan future actions.
- Running RFID makes it possible to follow, for example, whose cards customer is using.
WISEWELL Probe WB1/TA – as an additional safety controller!
- Running Probe WB1/TA in ATMs and booths provides additional expanded safety control
- Information about vibration can be useful for early ATM robbery or dislocation attempts
- Special sensors on ATM's case provide additional level of control and new security measures to synchronize cash cycle management activity or support service
- Comparison of information from sensors and data about identified devices in the range of activity – can be quite advantageous
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Company address:
Suite 260, 2323 - 32 Avenue N.E., Calgary,
T2E 6Z3 Alberta, Canada
Suite 260, 2323 - 32 Avenue N.E., Calgary,
T2E 6Z3 Alberta, Canada
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