PATbank allows Financial Institutions to securely and easily offer their existing online banking services to retail, private banking and wealth management customers via a mobile phone.

The content, control, features and flow are bank specific and can be modified without changing or re-installing the mobile client. This lowers the cost of deployment and allows each bank to customize their competitive offering.

Banks can also deliver personalized services for individual customers, providing direct marketing opportunities and an improved customer experience.

Examples: Mobile Banking

View account balances Account transfers View statements Pay bills View most recent transactions

View investment portfolios Branch and ATM location lookup Customer service support Out of band authentication

End User Experience

The bank-branded PATbank software downloaded to the customer’s mobile phone provides access to banking services and other available PAT products.

Abbreviated Call Flow

Benefits to Financial Institution

• Customer acquisition and retention
• Ability to control and customize the product
• Improve customer banking experience
• Introduce new services or add features without updating the mobile client
• Ability to generate personalized services for individual customers
• Ability to offer direct marketing opportunities
• Reduce operating expenses by encouraging customers to use lower cost self service methods
• Multilingual

Benefits to Bank Customers

• Anytime, anywhere access to banking information
• Convenient
• Fast
• Secure
• Easy to use
• Single sign-on to send money, make purchases or access mobile banking