Informe_Anual_Cecabank

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03 Our Business Model
Cecabank 2015 Annual Report
Banking Services
Business intelligence and new channels
Cecabank provides services related to remote channels
for financial institutions, fund managers and insurance
firms. In addition, it offers business intelligence services
through operating data processing to obtain scorecards
and reports on different areas of business. The object
of all these services is to obtain economies of scale,
which enable entities to distribute products and services
through remote channels in the most efficient manner
possible, make them frontrunners in technological
development and provide them with tools that facilitate
business management and growth.
Activity during the year
During the year, in the field of e-banking, Banco Caixa
Geral was added to the e-banking service, continuing
the extension of the e-banking service to new banks.
Similarly, agreements were reached with other entities,
such as Triodos and Caja Almendralejo for different
services, thus extending the customer base in this
business area.
In 2015 further progress was made in the development
of the e-invoicing platform and it was reengineered
and updated, apart from connecting it to new public
administration entry points. Also during the year
Caixabank was fully integrated into Cecabank’s
e-invoicing platform.
During the year, Cecabank developed its own platform
for Immediate Payments and value services related to
them, under the tradename EALIA. This evidences its
desire to be a processor and facilitator of solutions for
financial institutions which enable them to compete in
equal conditions with internet companies and thus to
undertake their own digital transformation. There are
currently eleven entities using this service, which is open
to the entire financial system as Cecabank aims to serve
as many entities as possible.
Main figures
In 2015 the multi-channel e-banking platform which
Channels places at its’ clients disposal processed
700,951,484 important financial transactions for
1,966,874 users which operate on a monthly basis,
with availability of 99.96%, weighted according to
real traffic at each moment in time.
Mobile channel
169,904,527
transactions through mobile
handsets, up 34% on 2014
15,050,911
SMS messages
Securities trades
148,267securities trades using
Cecabank’s infrastructure through online banking,
mobile banking and the office’s own terminal
Bravo Project for Immigrant Remittances
24,7427
remittances to their countries of origin
E-commerce
8,392,790
ntransactions through Cecabank’s virtual POS
E-invoicing
4,473,928 invoices issued
Pan-European debit platform
1,397,788euros
processed