The advent of advanced communication platforms have enabled new ways to conduct banking business, resulting in the creation of new institutions such as online banks, online brokers, wealth management organisations, etc.

Requirement: Banks want to enhance their communication process and offer new channels of service to the customers. Banks explore the use of m-commerce solutions to broaden their business by allowing the customers to access information, e.g. bank balances, stock updates, possibility to make transactions via mobile phones, etc.

Solution: Inbound IVR platform- Cellpay

• Customer calls the Merchant IVR number
• Customer selects the option for payment from menu options
• The call is transferred from the Merchant IVR to cellPAY IVR
• Customer is asked to enter the amount and mobile number to be recharged
• Customer enters the credit card number, expiry date and CVV number as prompted
• Customer receives a confirmation SMS regarding the transaction
• Merchant receives confirmation SMS and email regarding transaction as well
• Merchant views the transaction via cellPAY web interface

Benefits of M-Commerce in finance and insurance sector:

• Transparency in Risk Management and Fraudery
• Customer delight enhances loyalty
• Competitive edge to acquire new customers
• Increased revenue
• Easy Scalability

In retail sectors, advanced payment innovations are helping to link up various digital methods of transaction and enhance consumer offerings. Couponing, ticketing, SMS and other such M-Commerce solutions offer a more financially lenient alternative to instant payments for the retail customers as well as enterprises.

Requirement: Retail sector wants to make the purchase of merchandise easier thus, looking for adequate M-Commerce solutions. Retailers want their customers to browse and order products by using simple, cheaper and secure payment methods.

Solution: Short code based IVR, Mobile Payment Gateways integration

• Customer calls the Merchant call center and wishes to make payment
• The agent puts the customer on hold and calls cellPAY IVR number
• Agent enters the merchant id, customer mobile number, amount and Policy Number on IVR as prompted
• Agent connects the customer in conference call with the IVR
• Customer enters the credit card number, expiry date,OTP(Mandatory for card issued in India)and CVV number as prompted on the IVR
• Customer and agent are informed about transaction status by IVR
• Customer receives confirmation SMS regarding transaction
• Merchant receives confirmation SMS and email regarding transaction
• Agent checks the whole transaction via cellPAY web interface

Benefits of M-Commerce in retail sector:

• Convenience of 24x7x365 Online Support
• Highly secured platform
• Instant payment confirmation
• Prompt transaction closure
• Transparent and easy payment gateway

In a sign of the ecommerce sector's resurgence, online enterprises made solid first-quarter earnings, topping its financial performance from a year earlier. Thanks to the strong performance of its payments division, E-Commerce portals serve as a key trading hub and inventory reimbursement house for most online merchants.

Requirement: E-Commerce portals require a complete solution of M commerce for enabling customers to purchase a product on the IVR with an integrated payment process. Clients want a platform where customers can order for products as per their requirement and make payment remotely.

Solutions: Mobile Payment Gateways integration, Text To Speech, Database integration with the client, Short code based IVR.

• SMS with the Keyword and product ID will be sent to the short code number
• On the receipt of the details, we will send a check to the inventory of the Client for the relevant product ID and colour/size to be available
• IVR is broadcasted on to the number confirming the product ID using TTS (Text to speech) functionality
• Once product Id is confirmed, the user is prompted to proceed for the payment options in the live IVR where there is seamless connect with the M commerce platform
• The SMS after the payment is processed is sent confirming the order number
• Another SMS is sent with the login details of the customer so as to access the clients website in the future for order status
  

Benefits of M-Commerce in E-Commerce:

• Fraud check and low cost transactions
• Instant conversion of leads into clients
• Improving brand image
• Remote payments
• Competitive advantage

We do not have the power to change our future, but crave to anticipate it via various astrology sites. In our day to day life, we all surf to find out what’s next in our life! Most of such authentic sites (on Internet or on T.V) are paid and require a certain payment gateway to operate. Now, since many of the payment solutions are complex and takes quite a bit of time, visitors actually get annoyed and switch on to other sites.

Requirement: Astrological sites have several payment options for its customers to avail consultation & advice. Compared to the Demand Draft, the online payment gateways are more convenient as the customer can make payments directly to the website. To persuade customers with more handy ways to make payments online these renowned astrology sites wanted a reliable payment platform.

Solution: After analysing the specific requirements, cellPAY proposed its best in class IVR Platform. The IVR platform allows the sites to receive or transfer payments online. Hence, whenever a customer care executive would sell a membership plan to a customer, they can receive the payment with the help of the IVR platform from the customer.

• Besides, IVR the astrological customer care executives have even induced SMS and a phone line to fix nominations for customers.
• The customer care executive receives the relevant information from the customer on phone and connects the customer in a conference with the cellPAY IVR Platform.
• The IVR reads out the transaction details and prompts the caller to enter his 16-digit credit card number, along with the card expiry date,OTP(Mandatory for card issued in India) &the CVV number.
• On receiving an authorisation from the bank, the IVR reads out the transaction status.
• Once the payment gets confirmed on the call, the astrological site further updates the confirmation of the membership to the customer.

Benefits of M-Commerce in Astrology:

• Enabled two way communication between customer & the company
• Improved cusotmer service and provide greater customer satisfaction
• Cater to a large customer base
• Highly secured and remote payment options
• Instant confirmation & competitive advantage
• Facilitate multiple channels for payment i.e SMS, IVR etc
• Easy accessibility for enterprise, distributors, retailers & customers

What if you are sitting in office and suddenly you remember that today is your boss’s birthday. This is why the retail flower shops are so high in demand- just on call requirement, easy online payment and fast delivery!

Requirement: The retail flower shops providing one stop solutions to everybody’s floral needs often feel the need of a simple money transfer solution to get their payments. Besides an easy payment option and such flower shops want instant confirmation of payment so as to make timely deliveries of the flowers, bouquets, etc.

Solutions: After an extensive study, cellPAY proposed its secured and timely ‘Payment via SMS’ service to meet the specific commercial requirements of the flower retail shops.

• After implementing the payment via SMS service, the floral shops are able to take orders and receive payments via mobile, thereby increasing sales and number of transactions.
• The outlets of that particular floral brand are configured into the system by segregating them based on mobile numbers which denotes different company owned outlets also.
• When customer initiates payments the floral shop executives send mobile number of the outlet apart from other details to make payment to the specific outlet.
• On successful payment a confirmation SMS is send by the system to the particular outlet’s mobile number as well as to the customer from where the transaction was initiated.

Benefits of M-Commerce in Florist Sector:

• Enabled two way communication between customer & the company
• Improved cusotmer service and provide greater customer satisfaction
• Cater to a large customer base
• Highly secured and remote payment options
• Instant confirmation & competitive advantage
• Facilitate multiple channels for payment i.e SMS, IVR etc
• Easy accessibility for enterprise, distributors, retailers & customers

• 24*7 customer support
• Testing and monitoring
• Quality of service
• Skilled resources and manpower