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Friday, February 10, 2012

SMS Banking

What is a SMS Banking?
DCB offers SMS Banking for its customers as a way of expanding its products range in a more diverse and competitive market environment.
Basically the product provides financial services using mobile telephones of all sorts where by customers request and receive banking information from the bank on their mobile phone via short message services (sms). Individuals or corporate bodies can manage their bank accounts, check their account balances, perform check requests and perform other banking transactions using their mobile phones.
Pre requisite
Customer must be DCB Bank account holder
The product uses mobile phone of all sorts
Customer must apply for subscription of the services
  • Services offered
  • Account balance enquiries
  • Account min statement (last 3/5 transactions)
  • Stop payment
  • Cheque book request
  • Change of PIN number
Security of DCB SMS banking: Use of PIN Number and Registered mobile number
Benefits of DCB SMS Banking
To Customer
  • Convenient way of tracking financial records
  • Reliable
  • Time saving
  • Minimize costs, service is at your finger tips
  • 24*7 hrs service: this service is available day and night, weekends and public holidays.
 To the Bank
  • Decongest banking halls ( reduce queue in banking hall)
  • Stay Competitive, by retaining and attracting new customers
  • Customer satisfaction (will appreciate services and remain with the bank)
  • Generate revenue from Commission accrued from this service.
  • Reduce liability from frauds (by providing text alerts as an early warning system)
  • Reduction of paper works
  • Increase bank efficiency in servicing its customers
  • Enhance the bank image
  • Build the future of Banking (in less than a decade people of all age will use mobile phone to bank and transact free).
How to join the service
    • Customer shall visit DCB Bank branches for filling in application forms
    • Upon approval, branches sends the authorized forms to head office
    • Head office creates and activate
    • Head office sends two messages to customers; PIN and activation code and the link to download the application
    • Down load application forms from Website.


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