Feature 1: Authentication – The system will allow the user to input user id and password relevant to a login with device registration or/and user activation referred to Feature 14. Once users have user ID and password, users are ready to sign in also user can retrieve user id and change the user password.
Feature 2: Digital wallet – The system shall have a Digital wallet based on user needs. The “wallet” of the PI Banking, presenting a simple and clear interface that introduces the customer to what the application is all about. User can easily access to another page/from this page/form by clicking on the options.
Feature 3: My Account – My account refer to the details a/c information with a/c balance. The account balance is the amount of money currently owed on a particular account. By default it is showing all of account lists associated with the user.
Feature 4: A/C Statement – A bank statement or account statement is a summary of financial transactions which have occurred over a given period on a bank account held by a person or business with a financial institution.
Feature 5: Fund Transfer – Fund Transfer allows user to transfer funds between accounts by using OTP referred to Feature: 15. Fund transfer allow to transfer to Pubali bank and/or Others Bank (BEFTN, NPSB, RTGS) a/c
Feature 6: Bills Pay - To Pay Bills in PI Banking System (PIBS) user can enroll various bill payment like Credit Card Bill, Bangladesh Agriculture University, WASA etc. by using OTP verification referred to Feature 15.
Feature 7: Stop Payment – A stop payment is a request made to Pubali Bank Limited to cancel a Cheque that has not yet been processed by using OTP verification referred to Feature 15.
Feature 8: Positive Pay – Positive Pay is a system which allows user to upload a Cheque and automatically compare it to the Cheque presented at the bank for payment by using OTP verification referred to Feature 15.
Feature 9: Location – Users can view branches, ATMs and agent location in a list or/and on a map. We use the built-in location services to determine user location.
Feature 10: Mobile Recharge – A prepay or post pay mobile is a credit is purchased in advance/after of service use by using OTP verification referred to Feature 15.
Feature 11: Merchant Payment – Users can make a payment to merchant using scanning QR Code by using OTP verification referred to Feature 15.
Feature 12: Feedback – Users'll have the ability to feedback and access information regarding previous calls.
Feature 13: Invitation – Invitation is the simple process to invite for using PIBS.
Feature 14: User Activation and/or Device Registration – Activation occurs when users first achieve the value PIBS promised and register the device to be known entities to the PIBS by using OTP verification referred to Feature 15.
Feature 15: OTP Send and Verification – OTP send and OTP Verification module verifies user action and device of users by sending verification code (OTP) during user activation, device registration, fund transfer or others user action according to user configuration as OTP enable or disable of this user action. It removes the possibility of a fake user action.