Step Up to Omnichannel Banking with Retail Banking Software in Canada

Portfolio+ retail banking software accelerates adoption of digital tools for omnichannel banking. Our digital solutions deliver a seamless experience across the customer journey – from exploring products / services, executing transactions, and planning investments to managing wealth. Omnichannel banking engages the millennial generation with online services while introducing branch-banking customers to mobile and Internet banking.

Our cloud-agnostic platform simplifies onboarding of new customers, including family accounts. It captures and stores documents for onboarding in digital formats, and facilitates cross- and upselling of financial products. In addition, it enables account holders to pay bills, apply for loans, deposit / withdraw cash, and transfer funds.

Types of Retail Banking Accounts

• Chequing with tiered interest rates and overdraft
• Savings and business (current) account
• Lines of credit with flexible interest rates
• Flat and flexible fee based on account balance and type of transaction / account

Banking Security

• Transaction limits
• User / password control and password expiry
• Record access and menu option selection control
• Screen lock
• Supervisor override

Delivery Options

• Online banking
• POS banking
• Virtual banking
• ATM / bank teller
• Telephone / IVR banking

Technology Interfaces

• Secure socket layer
• Java message service
• Enterprise service bus
• Transport Control Protocol / Internet Protocol

Supports Diverse Banking Models

• Teller / branch
• Virtual and hybrid bank
• Agent / financial brokers

Improves Operational Efficiency Through

• Checklists for tracking due dates and deliverables
• User-defined task and notification management
• Real-time transaction processing via tellers and online / phone banking
• Automated batch processing for preauthorized credit and debit to cover an overdraft account, transfer balance, or pay bills; cheque clearing; payroll, interest and fees processing; and cheque reconciliation

Safeguards Business Integrity With

• Traceable and auditable transactions
• In-built error codes and alerts
• Risk management tools
• Data protection techniques

Enhances Teller Functionality by Enabling

• Generation of e-Statements and printing of passbook / statements
• Stand-alone cash dispensing without drawer interface
• Creation of drawer interface for treasury, ATM and bank teller
• Addition / update of cash denominations in multi-currency teller blotter
• Stop and hold payment instructions for issued / deposited cheques
• Addition of drawer to blotters and blotter update on transaction completion

Grows Revenue by Facilitating

• Customer analytics
• Personalized marketing messages in receipts and statements
• Product / service diversification
• Linking types of transaction and interest rate slabs to account categories

Ensures Compliance Via

• Limits on transaction amounts
• Audit trails for each transaction (system, user, date, time, and description)
• Customer account search functionality (social insurance / security number, last name, first name, date of birth, business number, telephone number, or client number)
• Robust internal reporting (trial balance reports such as cash drawer holding report, open and close account report, dormant accounts, authorized overdraft, line of credit delinquency, and line of credit review) Timely statutory reporting (tax processing, daily balance, and insurance reports)