USSD Banking

This service allows the customer to manage their bank account from their cell phone using USSD.

Key features

• Provision of information to customers at their request
• Rapid customer notification and service connection
• Use of USSD as transport
• Support for SMPP 3.4 protocol with flexible configuration of message routing to external client applications
• USSD Push support
• Multilingual support
• Dynamic building of interactive USSD menus
• Provisioning to external systems
• Administrator web interface with the possibility of delimiting the access to system control
• Logging and statistics collection

Benefits & advantages

The majority of banks already offer SMS banking, IVR, or Internet banking services. However, the USSD technology has several advantages:

• Free of charge (the USSD service is free of charge and available around the globe)
• Safe:
  • USSD messages are not saved in the phone’s memory
  • There are fewer intermediate nodes between the bank and the customer where the query text can be stored unencrypted (as compared to SMS)
  • User actions may be additionally secured with a password
  • If a subscriber is not active in the USSD menu for a long time, the USSD session will automatically terminate
• Available:
  • Free of charge, even when roaming
  • USSD is supported by the majority of phone models. At the same time, the number of subscribers using mobile Internet banking is under 20%, because Internet access often requires additional configuration and payment
• Fast:
  • The customer is immediately notified about his query being accepted (especially relevant when roaming)
  • A response to the query may be returned within the same USSD session
• Easy to use:
  • A simple menu with just a few items
  • No need to remember various SMS codes (no need to keep in mind the formats of message commands)
  • No need to download any software
  • Operations frequently performed by the customer may be saved as «Templates» under a separate menu item

Service Deployment

Our company offers the entire range of services for organizing USSD banking:

• Installation/deployment of a USSD center on the MNO’s site (if necessary)
• Installation of dynamic USSD menu formation software (SC.USSD Portal CMS)
• Protocol converter between the API on the bank side and the USSD portal (should the bank have no such API, we are ready to develop/upgrade it in cooperation with the bank’s specialists)
• Adaptation to the bank’s requirements
• Coordination of all issues related to coordination between the bank and the MNO (the bank only needs to provide the API, and we will deal with all other technical issues)
• Round-the-clock technical support
• Improvements according to the Customer’s requests
• Implementation of a demo version of the service within a short period of time