Published: October 10, 2014
UniCredit offers you a range of electronic banking tools designed to give you control over the management of your money – cross-border as well as cross-bank – in the most flexible way.
UC eBanking global is a portal solution which offers an excellent basis for facing current and future challenges relating to global payments and cash management. This solution lets you take advantage of state-of-the-art technology. You can process your national and worldwide payments quickly, easily and at low cost via a browser based front end.
UC eBanking global makes highly functional components available at every stage of the planning, processing and monitoring of your payment flows. It is also multi-bank capable, i.e., can be used for payments with more than one bank.
UC eBanking global guarantees the following:
1. Full compatibility with SEPA requirements
2. Reliable adherence to the EBICS standard
3. Data encryption using the latest technologies
4. Payments processing in different countries using only one application
This portal solution is also available as an app for mobile devices. The tablet version lets you use similar features as on your laptop or PC. The version for smartphones provides you with a smaller but sufficient number of functions such as payment approvals.
EuropeanGate provides our customers access to almost all UniCredit banks via one single point of entry. This routing and conversion platform enables the processing of both national payment formats as well as unified international formats such as SWIFT Messages
(e.g., MT101, MT103) or XML (SEPA, ISO-XML, CGI).
(Single Access Point for FileAct for the entire UniCredit Group)
UniCredit offers corporate customers full connectivity to the SWIFTNet network for many different messaging services demanded for communication between a corporate and its corresponding financial institutions, including messages for payments, treasury, trade and reporting. UniCredit was one of the first banks to offer FileAct to its corporate customers and is always at the cutting edge with regard to the latest SWIFT offerings to corporates. The basis is a FileAct messaging interface which we ourselves have developed, certified by SWIFT which shows our deep knowledge of SWIFT messaging.
In order to increase efficiency and simplify customers’ use of SWIFTNet FileAct with UniCredit banks, one single access point for the entire group has been created for all SWIFTNet FileAct for Corporates traffic. This enables corporate customers to use SWIFTNet FileAct as an additional communication channel for eBanking.
BusinessNet, UniCredit’s innovative eBanking solution, is a unique transaction and information platform that enables your organisation to optimally use the internet for your financial needs. It is designed to maximise efficiency and to optimise workflow, meeting the requirements of companies across CEE.[[[PAGE]]]
MultiCash is a PC-based software which enables account information to be obtained and payment transactions to be executed across all domestic and foreign accounts. It is used by more than 200 banks worldwide.
Cross Currency Notional Pooling (CCNP) represents a state of the art of multi-currency cash pooling and concentration solution. This solution makes it possible to sweep the liquidity position of your subsidiaries daily, even based in different countries and held in several currencies, and to transfer it to a set of accounts in the respective currency at UniCredit Bank AG. Here, the currencies are virtually converted into euro, and combined to form a unique liquidity position, notionally summing up credit and debit balances.
UC Virtual Accounts provide all users with a complex organisation a greater transparency and efficiency in cash flows and account structures. It enables on the one hand a company-wide overview of their financial status without inflated account structures. On the other hand it admits flexible handling of bank accounts as well as efficient liquidity optimisation without necessitating daily intercompany transfers, as it is the case with cash pooling. This ultimately entails further cost optimisations in payment processing.
MyBank is the innovative e-authorisation solution at European level which enables safe digital payments (based on SEPA instruments) and identity authentication through a consumer’s own online banking portal or mobile application. MyBank offers a one-stop solution for e-payments across Europe and simplifies the reconciliation between invoices and collections. MyBank is a solution for every type and size of online business: easy to implement and cost effective even for small transaction volumes. The UniCredit MyBank offer could be completed with the bank’s Payment Gateway and Back Office portal for online reporting and the online refunds functionality.
When consumers choose to pay with MyBank, they are taken to their online banking account where they must authenticate themselves and confirm transaction details. The payment instruction (a SEPA Credit Transfer irrevocable) is then processed by the customer’s bank and the seller receives real-time confirmation of payment authorisation. The bank’s secure authentication of the customer minimises the risk of fraud, and immediate processing between buyer and seller banks means there are no reversals or charge-backs. With MyBank, trust and confidence in online transactions is increased.
MyBank makes Europe-wide mandates a reality for corporates, public institutions and online businesses. MyBank facilitates the creation of electronic mandates via a smooth, secure and customer-friendly interface. Customers are redirected to their own banking portal, from which they can approve the mandate. MyBank enables online certification of debtor data (IBAN, name, etc.) and enables the digitalisation of eMandate for online businesses. Mandate options cover varying needs: SDD CORE and CORE mandates with waived automatic refund rights, B2B mandates.
UniCredit is one of first banks to offer MyBank Mandate, starting from 2015.[[[PAGE]]]
Pekao Connect is a family of the latest solutions enabling direct integration of the company’s financial-accounting system with the bank as well as automation of sending payment orders to Pekao and receiving feedback information on transactions made on bank accounts. The following access channels are offered depending on the client’s needs: Web Service, Transfer Agent, Mail, Https, Plug in for SAP and Plug in for COMARCH. The main benefits for clients include automation of exchange data processes, security, better operational and financial efficiency, convenience and time-saving.
PeoPay, Bank Pekao’s mobile payments system, is a modern and convenient way to pay without any cash, just using the application on a mobile phone. PeoPay allows quick transfers between the application’s users, non-cash payments in shops and commercial outlets displaying the PeoPay sign, payments for purchases on the internet and withdrawals from Bank Pekao’s ATMs. The application is available on Android, iOS and Windows Phone. The advanced technology, intuitive navigation and user-friendly operation mean that paying by the PeoPay system is very fast and simple.
How Thought Leadership Can Reduce the Cost of Sales by Patrik Havander, Havander & Partners A focused attention on the costs incurred by the global sales and marketing processes is becoming increasingly important for corporate banks and their transaction banking departments. While the client/bank relationship remains vital, research has shown that in fact relationship selling […]
