ARBES OBS Mobile Banking

ARBES OBS comes with a wide range of mobile banking technologies using a broad set of GSM technologies allowing clients to communicate with the bank anytime from anywhere in their preferred manner. All information exposed via ARBES OBS Mobile Banking comes directly from the core database; the active operations are sent directly to the core banking system for immediate processing.

ARBES OBS Mobile Banking implements the functionality in technologies brought about by several mobile generations:

All technologies provide secure and immediate access to sensitive client banking data and also allow active operations:

Account balances in all open currencies
Transaction orders
Account transaction history
Details and history of term deposits, loans and other financial assets
Access to consolidated statements

All methods of mobile banking (except for Plain SMS Banking) communicate in an encrypted manner and provide highest level of security:

Various levels of customer authentication
- weak login with a static username and a static password
- strong login with
  - a one-time password received via SMS on a pre-registered client GSM phone
  - or a security token generated by a Digipass device
  - or a security token generated by an ActivIdentity device
Encrypted communication by symmetric cryptography or 128-bit HTTPS
Technology Security Standard - Demilitarized zone, Firewalls, Security audit, etc.

Standalone GSM Banking

ARBES OBS Mobile Banking can be implemented as a standalone module that co-operates with the client bank system. This solution offers the following key features: