Retail banking is becoming increasingly sales-oriented. Bank customers are looking for faster and more convenient services. Banks are expanding their product portfolio by adding new online services. What they need is a central system with a uniform interface to the core bank system, and as many standard interfaces as are necessary to serve the customer, whatever his location.

TRAVIC Retail is the multi-client-capable, uniform communication solution for all online sales channels in retail banking and in banking services for small to medium-sized companies. TRAVIC Retail covers any business transactions for the ZKA standards HBCI, FinTS 3.0 and FinTS 4.0. Even the operators themselves can define and add new types of transactions.

TRAVIC Retail is an all-purpose product, e.g. serving as:

• a bank server for secure Internet banking solutions
• a bank server for mobile or computer-based home banking with HBCI, FinTS 3.0 or FinTS 4.0
• a multi-channel system with centrally controlled user authentication, order authorisation and uniform interface to the core bank system
• a communication server for transactions between customers, staff and associated partners
• a transaction server for integration of network solutions, e.g. for call centres and partner portals