Ocean Software Technologies

More and more the internet offers a basis for handling all personal financial transaction processes. In the future customers will require tools to get an overview of the range of digital transactions via all channels and all devices. They want to manage their own finances. And they want to do so any time – any place – with any available device. That is what customers want in the digital age.

Online banking is still a central starting point for this. Personal finance management systems provide much more than classical online banking. In this way graphical analyses, categorisations and personal dashboards support the customer with an overview of their finances. Customers who use PFM use more bank products on average than other customers. Use the Customer Engagement Platform from OCEAN and offer your customers a transparent view of all of their finances.

We know what influences banks and how the banking customer would like to conduct their banking in the future. With our features and topics we accompany banks on the way to digital change. We support you in any additional individual topic and features so you can be successful in the marketplace in the future.

PFM is the new online banking. Customers want to manage their own finances. And they want to do so at any time, anywhere and with any available device. With PFM you offer your customers a transparent view of their finances. And there is something better. You get to know your customers. A 360° view of your customers is a perfect starting point for personal customer support – digitally, on site or in the branch.

A basis for good data analysis is an intelligent, anonymised summary of all relevant customer and transaction data from all channels (online banking, branches, cash machines, investment funds, etc.). With current and historical customer or transaction data we can analyse customer behaviour, needs and intentions and use these for further action (marketing campaigns).

Digital communication will be even more important in the future, as the branch will be visited less and less often. For that reason secure and digital communication with your customers is the foundation of a good customer bond. From central PO boxes for bank documents and the exchange of personal messages, electronic safes and text and video chat through to co-browsing features, simple customer feedback and push notifications in banking apps. The customer must be able to get in Contact with you simply from every end-device and via all channels.