Profile. The successful merger of three banks (Bulbank, HVB Bank Biochim, Hebrosbank) – subsidiaries of UniCredit in Bulgaria, formed UniCredit Bulbank – current local banking champion in terms of assets (approx. EUR 4.5bn) and practically covering full range of banking services well positioned for all customer segments. Before merger dais software was vendor of Bulbank Online – multi-channel service of Bulbank, started in 2001 with all channels – IVR/Fax in a phone-banking system, Web and Mobile/WAP, and upgraded few years later with a new version of Internet banking. The consolidation of banks required analysis of redundant services and selection of the vendor of Online banking for the new unified bank.
Solutions. Bulbank Online provided by dais software was selected as the basis of the new common Online banking after the merger as it offered the largest number of features and technology advancement. dais software re-designed the look-and- feel of the site to meet the new corporate identity and provided services for staged migration of customers from competitive solutions at the other two banks seamlessly keeping customer profiles and credentials. The deployment was synchronized with core banking migration schedule and the adaptation of the integration middleware to the new core – FlexCube by i-flex solutions went trouble-free and transparent to users. Unique feature in Bulbank Online is advanced development of corporate (B2B) banking features – upload of receivables and collection of payments (BulDirect); bill payments on front office with real-time integration to utility provider interfaces (BulCollect), electronic statements in SWIFT or XML format via site, e-mail or SWIFT network.
EUROBANK EFG (POSTBANK)
Profile. Eurobank EFG is a top 5 bank in Bulgaria, with universal banking profile servicing retail, SME and large corporate customers, with one of the largest customer and account bases and branch network, and well over EUR 2bn in assets. dais software won a tender and implemented first version of Internet banking right after the acquisition of Bulgarian Postbank by Eurobank EFG and centralization of the bank’s application infrastructure. In 2007 Eurobank EFG acquired DZI bank and the IT management unanimously decided to keep and develop Postbank’s Internet banking as a common platform for future development of online banking services after the merger.
Solutions. As a long-term partner of Postbank, dais software implemented and proved a number of the features of its online banking product as a pilot functionality in Postbank. Here for the first time on the local market a highly flexible scheme was offered with multiple signatures for authorization of a fund transfer allowing application of a complex corporate scheme for payment rules. For banking operations e-postbank is integrated to the core system by a Bulgarian vendor – Csoft, with real- time payment operations and synchronized reconciliation of account movements, as well as loans, cards, direct debits and other banking information. dais software provided services for transparent support and staged migration of online customers and users of DZI bank during the consolidation procedures. dais software also implemented corporate web sites and CMS for Postbank in Bulgaria and Eurobank EFG in Serbia.
Profile. CaSys International is a regional card processing center - subsidiary of First Investment Bank operating in Macedonia, issuer and acquirer of Visa and Mastercard cards and the first in the region to support EMV cards. After establishing a solid core infrastructure CaSys defined a strategy for Internet card processing services.
Solutions. CaSys International selected dais software after evaluation of company’s experience in online financial services and demonstrated flexibility to adapt its online banking platform for online card payment operations. dais software customized banking framework and enhanced finance object model to support virtual POS, issuer and acquirer attributes for card operations and integrated online transactions to ACI Base24 core card processing system on its proprietary protocol. A rich feature set was defined including online bill presentment and payment, integration of additional channels such as SMS, Voice and ATM application. Currently CaSys Online Payments portal runs a process for a 3D-secure compliance certification.