Banks are increasingly looking for ways to maximize their reach, customer retention, share of wallet, profitability, and satisfaction while reducing the overall costs associated with managing the firm’s total relationship with a customer.

Online banking became a necessity for today’s demanding customers who used to pay and close deals over the web. eMasraf has several economic benefits:

• Higher revenue to banks & thus higher interest rates to customers, as banks do not have to build a new branch to serve customers, and serve large number of concurrent users online.
• Transaction History and Reports which helps user to remember and view past transactions with details.
• Easy payment online even if customer does not have credit card!
• Enhancing the sales and promoting the offers by periodically sending e-mails offering increased interest rates for limited period of time, new services, and important announcements for better communication with customers and allowing interaction with customers via messages to bankers.

eMasraf system provides advanced technologies with integrated functionalities to serve corporate and consumers. It also provides a quick reliable access to users’ accounts with enhanced e-services which save their time and effort and increase the revenue of the banks.

The Merchant Portal offers unique functions customized for special type of corporate having merchant accounts at the bank. The merchant portal provides a multi-store, multi-terminal (POS) monitoring in addition to the comprehensive corporate functions; multi-user, access permission, fixable administration management… etc.

The Merchant Portal system includes many useful and innovative features. The Following is a brief synopsis of the major features.

• Enriched Customer Contents: New Dashboard for Merchants to Visualize their daily POS transactions volume
• Empower the Customer Decision Making: Provide merchant executive with a comparative statistical report among different stores performance over time where he can act and make decisions

eMasraf system based on latest Technology in the market and always up-to-date.

• Pure Web-Based Application – NO client side installations.
• Web 2.0 Reach user experience.
• Supports different browsers.
• Hardware independent specifications.
• Platform Independent.
• Highly parameterized.
• Flexible workflow driven by BPM.
• Support high volume of transactions and activities.
• Different integration capabilities.
• Bilingual (English & Arabic).
• Flexible Authentication Configuration.