The task
What problem does this idea solve?
Banks and financial service providers need to offer retail and corporate customers secure mobile access to accounts, international payments and approvals without duplicating their core banking processes.
Reference H7-092
Complete business payments and approvals on mobile
A role-based banking app connects multiple accounts, currencies, payment approvals and digital signatures to the existing core banking system. An AI assistant explains transactions and prioritises unusual activity. In practical terms, it handles these core tasks: Manage multiple accounts and currencies in one app; Make domestic and cross-border payments; Map roles and approval limits for businesses. The result is a faster, more transparent, and more reliable process.
The solution concept
What will be built?
A role-based banking app connects multiple accounts, currencies, payment approvals and digital signatures to the existing core banking system. An AI assistant explains transactions and prioritises unusual activity.
Feature set
What the solution can do
Manage multiple accounts and currencies in one app
Make domestic and cross-border payments
Map roles and approval limits for businesses
Confirm transactions with a mobile signature
Intelligently prioritize suspicious activity
Summarize account information clearly
Target users
Who works with it
- Banks and payment service providers
- Corporate customers with multi-level approvals
- Retail customers with international accounts
Outcome
What it delivers
- Securely confirmed payments and approvals
- Up-to-date account and liquidity overviews
- Prioritized risk and action information
Capabilities
What this AI tool can do
- 1
Securely identify customers and roles
- 2
Load accounts and permissions from the core system
- 3
Prepare payments or approvals on mobile
- 4
Review risk and digitally sign the transaction
- 5
Update status and display relevant follow-up actions
Inputs and data
What the solution processes
- Accounts, balances, transactions and payees
- User roles, limits and approval rules
- Risk alerts and data from the core banking system
Integrations
Which systems are connected
- Core banking system and payment APIs
- Identity verification and digital signature
- Push notifications and fraud prevention
How to get this tool
Your options
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