Multichannel Banking : Anytime, Anywhere and Anyplace
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Multichannel banking is coming of age in India. Most banks now have a Mobile web site/App which can be used for doing banking transactions.
Popular Mobile banks are
HDFC bank provides a Web Application which can be accessed from a browser on the device for mobile banking. The use of native and web application
has pros and cons. Adoption of Mobile Web Apps would increase for the following reasons
One of the prime concerns for a banking mobile application is Security. Security on Mobile devices is provided by OS and Browser. Popular browsers like Opera,
Chrome, Safari and Internet Explorer support 128/256 bit encryption for SSL. In addition Mobile transactions have additional security like OTP - One time password
2 factor authentication - Use of Card and password.
How can you do Mobile Banking with IBM products ?
- Websphere Application Server
- Websphere Portal Server - Mobile Portal Accelerator ( 10,000 + devices ), Web Experience Factory ( Build Smartphone Mobile Portlets )
- IBM Worklight ( Built and Run Smartphone Web, Native and Hybrid Apps )
IBM stack of product support development and hosting of native and web applications for banking.
Option 1 - Websphere Application Server + Worklight
Option 2 - Websphere Application Server + Websphere Portal Server + Worklight
Option 3 - Websphere Application Server + Websphere Portal Server + Mobile Portal Accelerator + Worklight
Based on the number of devices supported the enterprise can pick the stack. The IBM stack provides the gamut of technology services needed to build and host
a mobile banking application. The services would support Security, Scalability and Perf