Cost optimization
Halcom understands the diversity of legal entities that the bank faces. The unique platform enables the creation of dedicated online banking offers for different types of legal entities, with the aim of reducing the total cost of doing business (TCO) and providing the best possible experience to everyone, from local to multinational companies.
Increase in income
Popular with corporates, Halcom’s e-banking solution offers banks the opportunity to increase profits, as companies increasingly send orders through e-banking service providers.
Customer loyalty
Halcom’s e-banking solutions have always stood out in the markets where they are present – many banks consider them a decisive factor for acquiring and retaining clients.
Regulatory compliance
Halcom’s products comply with the regulatory requirements of the financial industry, the EU personal data protection regulation GDPR (General data Protection Regulation) and eIDAS.
Hal E-Bank/Personal
Optimal for companies that have one workplace to work with the electronic bank. The user can have several authorized persons to work with Hal E-Bank/Personal, but they all work with the local database on one PC. When opening the program, each authorized employee logs into the system using their personalized certificate. Based on the authorizations granted by the company for a specific account, the owner of the certificate receives permission to work only with those functions for which he is authorized.
Hal E-Bank/Corporate
It is intended for larger companies that want to have more workplaces equipped with an electronic bank. Hal E-bank/Corporate has the same functions as Hal E-bank/Personal. The difference between the programs is that Hal E-bank/Personal works on the local database of the same computer where the program itself is located, while Corporate works with the central relational database DB2. All workplaces have access to that database, so that everyone has access to the same data, but to a different level determined by the authorizations on the certificate.
Hal E-Bank/B2B
It is intended for large enterprises (for B2B or STP-Straight Trough Processing). It enables the connection of the information system of large legal entities (SAP, Navision, BAAN…) with the bank’s information system for payment transactions in the country and abroad. Hal E-Bank/B2B enables the automatic exchange of payment order data from the company’s information system and changes to the company’s account from the bank’s central data processing. With this solution, the client gets the most up-to-date and transparency of funds and the possibility of making faster and better financial decisions.
Flexible enterprise workflow
• Multibank solution – with the same certificate and one solution access to all accounts in all banks
• Basic review (review, preparation, approval) based on the approvals the certificate holder has
• Multi-level approval (multiple signatories), limits on individual and group signatory approvals
Payments
• Single and batch
• Payment transactions in the homeland and abroad
• Overview, balances, transactions and statements
• Overview of sent, revoked, rejected and pending orders/packages
• Manual and automatic import/export to and from ERP
• SWIFT and XML compliance
• Samples, address book
Security
• Digital certificate on a smart card or USB key (PKI)
• The solution digitally signs all data exchanged between the client and the Bank, which enables:
• Data authentication: Secrecy of sent data; Data integrity; Non-repudiation of data
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