Features overview

Cyclos can be accessed via different channels (e.g Web and Mobile). The features depend largely on the type of access channel. For example, the SMS channel has a more limited set of features than the on-line (web) access channel. A complete list with all the features can be found at this page.


On-line banking
  • Register on-line (optional registration agreement)images/stories/applications_internet.png
  • Home (dashboard) page with status overview, quick access icons, message board
  • On-line client profile (client information, images)
  • Payments (normal, installments, scheduled, authorization levels)
  • Payment request to mobile user (requires confirmation by SMS)
  • Invoices
  • Loans (view open closed loans, repay loan)
  • Loan groups (micro finance)
  • Account summary / history, print & export payments lists
  • Personal alerts & notifications
  • On-line request forms (e.g. loan request)
  • Personal documents, group documents (managed by administrators or agents)
  • Manage account operators (a user can create operators and give them permissions to do specific tasks)


Mobile banking
images/stories/mobile_banking.png
  • Sign-up via mobile
  • Payment to other users or administration
  • Payment request (two-way payment)
  • Retrieve account information / browse through transaction history)
  • Info texts (texts managed in Cyclos can be retrieved by mobile)
  • Notifications & alerts (personal alerts and general alerts & notifications)
  • Mailings (from administration and agents)
  • Bank and Telecom provider independent
  • Optional OTP (One Time Password) for all commands
  • Custom operations (programming interface that allows adding new operations)

    • Supported mobile channels
  • SMS banking Banking operations via SMS messaging
  • Smart phone app For Android, Iphone, Windows and Blackberry phones
  • IVR (Interactive Voice Response) Operations for mobile phones and landlines
  • USSD module Menu based operations supported by high and low end mobile phones


Cards / POS (Point Of Sale)
images/stories/card.png
  • Debit / credit card support
  • Different security options PIN, security card code
  • On-line card management (activate/cancel/block card, reset/block PIN)
  • POS (Point Of Sale) cash-in cash-out payments
  • Daily transaction overview & print on POS
  • Receipt printer support for WebPOS
  • Print transaction reports for specific POS operators
  • Manage POS devices on-line (activate, deactivate, block)


E-commerce
images/stories/e_commerce.png
  • Market place (offers & wants)
  • On-line (rich text) editor
  • Advertisement matching alerts
  • Member directory
  • Contact list
  • Messaging module
  • Brokering / agents module
  • Business referrals and transaction qualifications


System administration & configuration
  • Dynamic system configuration (support for various economic models)images/stories/system_administration.png
  • Define custom fields for users, advertisements, loans, payments, member records
  • Account & user management
  • Import tools (users, advertisements)
  • Content management (translations, pages, images, styles)
  • System alerts & logging
  • Reports & Statistics
  • System tasks (e.g. set system offline, indexing)
  • Easy maintenance (all data stored in database)
  • Automatic upgrades (version check on initialization process)
  • Strong security (bank level security implementation)
  • API (application programming interface) for communication with third party software.
  • Plugins available for integration with the Joomla CMS