Credit Cards and Marketing
| Credit Cards Transactions | | | Similar to general banking services, extending mobile alerts to customers is a value add to customers and help the credit card issuers to manage risks for high value transactions. In system design, alerts can be differentiated by Batch Alerts and Instantaneous Alerts.
Business Values: - SMS Reminder alerts deliver payment reminders to clients faster than snail mails
- Instantaneous Alerts act as a proactive fraud management mechanism
- Improvement in communication channels with customers
Our solutions can cater for 2 types of alerts using different solutions.
For Batch Alerts, it can be fulfilled by EasiSmartCast while Instantenous Alerts is fulfilled by EasiDB Alert. The SMS empowering process is streamlined to rules configuration, giving our financial clients faster service delivery to their customers and flexibility to adapt to changes easily.
| | | | Batch Alerts / Reminders | Instantaneous Alerts | | Usually for transactions that have certain cut-off time or are non critical and system can perform a recurring task to check the database for all the affected transactions for the period to send out alerts to clients. | Usually for time sensitive transactions like high value and high risks transactions. Upon a change in the database, a notification alert should be triggered to the customer to provide instant alert of the change. | - Notification of Card sent
- Credit card payment reminder
| - High value credit card purchase - provide alert on possible fraud
- Warning of reaching credit card limit due to last purchase transaction
- Notification of 1st time card usage
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| | | Rewards & Value Added Services | | | Credit card issuers are introducing attractive reward program to retain customer loyalty and provide values to their customers. For points checking and rewards redemption, credit card issuers can make use of EasiCommand Builder to provide interactive search on SMS for their customers. Card holders can send perform the following mobile requests: - Reward points enquiry (optional implementation with sponsored advertisers)
- Merchant search (partners providing discounts using the credit cards)
- Reward redemption via SMS
| | | Marketing Campaigns | | | Promotional Offers | | | Banks can send promotional information to customers via SMS using EasiSmartCast or the Campaign Management Solution.
Using EasiSmartCast, the process is secured and automated through dynamic selection of customer profile from client database and messages can be customised to each customer. Messages can be scheduled at designated delivery time.
Broadcast content is as critical as any corporate news delivered via the Public Relations team. The Campaign Management Solution provides dual control for content to be vetted by authorised role (not the content creator) before the content gets sent out, giving the marketing and security team a better assurance that any broadcast event is securely and effectively managed.
| | | Interactive Contests & Lucky Draws | | | Banks get more creative these days leveraging on different medium to attract and reach customers. Interactive contests can be created easily with EasiCommand Builder or the Campaign Management Solution.
Some possible events include: - Submission of lucky draw entries
- Redemption of mobile coupons (simple redemption or redemption with unique codes and validation)
- Responses to broadcast message
- Responses to know more about product
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