Informe_Anual_Cecabank_2016_ENG

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Activity during the year
In the field of online banking, over the year the mobile banking service Caja
Almendralejo was added and an overhaul of EBN Banco online banking was
initiated. Companies such as Triodos Bank and Banco Ceissas have been
added to the service to generate remittance notebooks which has become
an industry standard. To comply with PSD2 regulations, expected to come
into force in 2018, an api-fication platform has been developed, available to
companies, which will allow connection with the back-end of any company,
obtaining information from the same or allowing payments to be carried out
on behalf of third parties when the customer gives their authorisation.
Cecabank continued to develop its EALIA digital payments platform in 2016.
There are currently 15 companies signed up to the service. The most signifi-
cant milestones of the year have been the following:
Integration of the person to person payment service on the inter-bank
Bizum platform for immediate payments, with entities processed by Ce-
cabank accounting for 40% of the volume.
The development of new payment schemes available to companies to en-
courage customers to use a multipurpose payment app. Some of these new
payment schemes are: paying by HCE card, paying by Masterpass wallet,
paying with a virtual card online, transferring money to ATMs, and others
being developed for the future. All of these advances have the latest securi-
ty measures in place, such as digital fingerprints to access apps and autho-
rise payments. In this way EALIA offers banks a full catalogue of services
they can customise and integrate with different service models.
3. Discounting, Clearing and Payment
Systems
The certifications we have been awarded are testament to our
culture of continuous improvement and service excellence.
Services provided to credit institutions and corporate clients for the integra-
ted management of bank collections and payments, discount operations,
payment confirmations, and technical coverage of connectivity to SWIFT.
The strengths of our service:
Personalised Customer Service
We are flexible and adapt to our customers’ needs
Confidentiality
Activity during the year
In 2016 we adapted to the new versions of SEPA payment “Rulebooks”, in
transfers and direct debits, with both customers and represented companies.
Considerable adjustments were also made in relation to the new information
service for offices, squares, and national holidays, known as SIO+ under the
SNCE framework.
CROSS-BORDER
EXCHANGE OF
CHEQUES / CURRENCY
EXCHANGE
123,960
Cheques processed
SWIFT MESSAGES
EXCHANGED
1,336,977
Transactions processed
with Cecabank BIC
1,070,589
Transactions processed
with other BICs
Cecabank 2016 Annual Report Page 71
05 OUR BUSINESS MODEL
5.1
5.2