| To
make banking more convenient for its customers, BBVA Compass wanted
to add another service delivery channel. Already allowing customers
to execute banking transactions through traditional means via its
branch locations, a customer-service phone center and the Internet,
the bank wanted to offer customers another option whereby they can
bank anytime, anywhere using their mobile phones.
BBVA
Compass decided the best option for delivering banking services
to mobile phones is to have customers conduct banking transactions
via SMS, the most ubiquitous mobile messaging method.
As
BBVA Compass began researching mobile banking solutions, the bank
quickly realized it would need a partner that offered a complete
mBanking platform for a true multi-channel mobile banking approach.
This included SMS two-way banking and alerts, mobile browser capabilities
and downloadable mobile client applications, allowing customers
multiple ways to access to banking information via mobile phones.
Sybase
offered BBVA Compass the ability to provide software and expertise
across all of the technologies required by the mobile banking solution
- SMS, mobile browser and the ability to create a downloadable mobile
client.
To
meet all of the bank's needs and its customers' needs, Sybase recommended
its Sybase mBanking 365 solution, the only mobile banking product
that offers a single connection to a complete, multi-channel mobile
banking solution on a single platform, including SMS, a mobile browser,
and a downloadable mobile client on a single platform. As part of
the Sybase mBanking 365 solution, Sybase works with 11 national
and regional mobile operators to ensure BBVA Compass customers could
access the service regardless of their carrier.
With
the Sybase mBanking 365 platform and the expertise provided by Sybase,
BBVA Compass launched its mobile solution, called Compass MobileSM,
The service allows customers to bank via their mobile phones with
simple, intuitive SMS messaging without the need to remember complex
keywords or using multi-level, menu-driven applications. The service
enables bank customers to check balances, view posted and pending
transactions, and transfer funds between accounts.
With
the help of Sybase, BBVA Compass now offers customers a fast, easy
and convenient way to conduct bank transactions on all accounts,
including checking, savings, credit card, CDs, IRAs, mortgage loans,
installment loans, and home equity loans. BBVA Compass also offers
a variety of help screens. Most competitors offer access to limited
account types and provide one help screen.
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