Creova offers an innovative mobile payment platform, designed for financial institutions, mobile operators and e-commerce and catalog retailers. The platform is the CMP: Creova Mobile Payment. Our platform has been successfully deployed banks and mobile operators.
The platform "Creova Mobile Payment" (CMP) allows the offering of universal payment services with reliability and security. It integrates a system capable of processing millions of transactions and offer highly secure solutions. It manages the critical aspects:
- Protection of the financial transactions and people's data
- Transaction performance in terms of speed and reliability,
- Scalability and service availability
The CMP is compatible with all mobile devices and ensures an access to the services through the most common and secure channels.
The uniqueness of CMP's technological innovation comes from the solid experience acquired by Creova in the financial and telecom sectors. Its unique character is expressed through the following points:
- It is simple to use and offers an optimised user experience
- It is totally modular and allows access to solutions that meet present and future needs
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It ensure interoperability between different partners, which can include multi-banks, multi-operators setups
The CMP is particularly simple to use and allows you to optimize the user experience: The CMP offers particularly intuitive solutions. The information presented on the interface allows simple guidance through the required information and provides the user the ability to conclude transaction. It represents a key asset that allows the customer increased traffic as well as customer satisfaction. It also proposes intuitive,, ergonomic and multi-lingual interfaces to ensure rapid adoption by customers.
The platform also allows customized interfaces with the different partners' and information systems.
A value-added platform that adapts easily to specific needs: The CMP allows a rich mobile financial applications ensemble, like the national and international remittances, mobile top up for oneself or others, person-to-person payment, bill payment, ticketing (sports, travel, etc), money deposit and withdrawal as well as a group of account management options like checking account balance, viewing a detail history of payments. The provider can provide a number of services under the white brand version of CMP.
The rich and totally modular design of the platform was set up to allow rapid market deployment and to then the ability to continuously add new applications based on user needs.
Below are some examples of innovative applications, proving the uniqueness and modular conception of Creova's platform.
The platform ensures total interoperability:
The CMP is a unique platform designed to host a heterogeneous environment, where a partnership model could be put in place between different players, like banks, mobile operators, ecommerce companies, merchants and even utility companies (water, electricity,...). These players would share a common platform to cover the whole market and offer interoperability.
Creova can develop for each partner an "external account" with which they can interact with the platform. The integration of these accounts is fast and simple. It is made possible through an API (Application-Protocol-Interface) set up, valid for all types of services.
