Clairmail Solutions Overview

Mobile solutions from core suppliers traditionally take a "systems-out" approach – taking a financial institution's (FI's) online banking solution and moving it onto a smaller screen. This approach is flawed, however, as it limits the reach and impact of the mobile channel given its dependency on online banking.

Clairmail takes a different approach – "Customer-In". Rather than re-facing an FI's existing online banking onto a smaller screen, Clairmail's approach is to think about the customer as the center of an FI's mobile solution and to integrate financial services products with the customer's mobile lifestyle.

With more active users than any other provider and the vendor of choice for leading FIs of all sizes – including over 1/3 of the top 50 FIs in North America – Clairmail delivers a complete mobile solution that is scalable across bank functions and products, including:

Clairmail Enterprise: Today, more than ever, FI customers are feeling the need to stay vitally connected to their accounts. The Clairmail Enterprise solution leverages the anytime, anywhere nature of the mobile channel to proactively deliver high-value, personalized account management content to FI customers.

Clairmail Plus: Mid-market FIs need an exceedingly competitive mobile solution in order to keep pace with larger competitors. Clairmail Plus is designed to give mid-market FIs a mobile banking and payments solution with the world-class functionality and high-end user experience to rival their competitors – at an economical price.

Mobile Remote Deposit Capture: Clairmail's Mobile Remote Deposit Capture solution empowers FI customers to conveniently deposit a check within a mobile banking session, providing a seamless and unified user experience where a customer can easily and securely deposit a check at anytime from anywhere.

Fraud: Fraud poses numerous long-term consequences for FIs, including customer churn and reputational loss. The Clairmail Fraud Solution leverages the mobile channel to effectively identify fraud incidents, resolve compromises and mitigate recurring fraudulent activities, all of which lead to reduced fraud losses for FIs and their customers.

Payments: FIs are facing mounting pressure to both protect their existing revenue streams and to uncover new sources of revenue. One answer is to extend payments – a revenue source that is already very familiar to FIs – to the mobile channel, via the Clairmail Payments Solution.

Person-to-Person (P2P) Payments: Clairmail's P2P Payments solution empowers FI customers to initiate or request person-to-person payments within a single mobile banking session, enabling customers to instantly and securely send money to other individuals whenever they want, wherever they are.