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Today’s solution for tomorrow’s self-sevice bank

SPARROW ON ATM AND POS

CR2’S SPARROW ON ATM AND POSThe retail banking industry has been undergoing significant change in recent years. Customers are turning more and more to self-service channels to manage their finances, and as a result they are demanding more advanced functionalities on the ATM. The banks that manage to transform their ATMs from simple cash dispensing machines into powerful omnichannel integrated devices with advanced functionality are the ones that will thrive in the future.

Sparrow is CR2’s leading UNIX-based ATM and POS switching and transaction management system with integration capabilities to host, national and international card schemes. With Sparrow, your bank can offer customers the advanced services they desire on card-based channels. Sparrow’s reliability, ease of use, rapid time-to-market and wide range of features has made it the solution of choice for a host of banks worldwide.

With Sparrow, your bank can offer

customers the advanced services they desire

on card-based channels.

Card-less transaction support

Multiple currency support

Money voucher support

Dynamic currency conversion

Automation

Comprehensive bill payment module

ATM PIN generation capability

Comprehensive fee modules

Remote key loading

Support for web services interfaces

Targeted marketing & customer segmentation

Real-time transaction & system monitoring

Sparrow provides your customers with 24/7 access to their finances on the ATM and POS channels. It has been developed to ensure your infrastructure is being used to its full potential and that the needs of your customers are being met. It has been evolved over many years in close consultation with CR2 clients to provide a rich set of features and functions. Features of Sparrow are included but not limited to:

ENRICHED CUSTOMER FEATURES

INCREASED REVENUE GENERATION OPPORTUNITIESUsers of Sparrow have been able to transform their electronic channels from simple transaction processing into lucrative profit centres. Supporting both on-us and not-on-us transaction fees, Sparrow provides banks with a toolkit for revenue generation via:

Dynamic currency conversion

Acquirer & issuer fee modules

Enhanced bill payment capabilities (available via cardless access)

Money vouchers (P2P payments)

Biller aggregation services

Scheme interchange (acquiring/issuing with all major card networks - VISA, MasterCard and UPI)

Sparrow can further enhance revenue generation across channels by creating segment-specific cross-selling opportunities through targeted on-screen ATM advertisements. Customers remain informed of the latest offers from your bank or partners that are relevant to them.

Reduce operational costs CR2’s clients have realised major cost-savings by migrating their customers to the self-service channels. With Sparrow your bank will see a reduction in the amount of customers that need to physically visit the branch to manage their finances, thus reducing the load on branch staff and allowing tellers to take on a more sales-focused role. Sparrow enables your bank staff to take control of the self-service channels which greatly increases their productivity while eliminating the need for intervention by third party vendors. Together with the Sparrow HUB module, Sparrow allows Banks to centralise their scheme interchanges on the one server, achieving significant operational efficiencies and cost savings.

Optimum security & industry complianceAs banks continue to satisfy the increasing demand for enhanced self-service channels, they must also continue to ensure the security and authenticity of every transaction. In addition to EMV acquiring and issuing compliance, Sparrow is PCI – PA DSS certified. Sparrow supports the latest PGP and SSL/TLS industry standards to secure any third party interchange. Utilisation of CR2’s CardWorld FraudTrap module further ensures the provision of optimum security for your customers with detection of any fraudulent card activity in real-time.

Reduced time to market One of the unique features of Sparrow is its ability to be easily and quickly installed and configured. Sparrow has connections to all of the major back-office host vendors including Misys BankMaster, Temenos T24, Infosys Finacle or Oracle Flexcube to name a few. This significantly reduces the project risk level and time to market for your bank can be greatly reduced as bespoke development projects can be avoided.

Ease of use Sparrow’s UNIX-based menu driven user interface has been complimented with additional modules to provide enhanced visual and automated monitoring. Sparrow works with CR2’s vendor-independent ATM terminal application - BankWorld ATM Client, to provide customers with a state of the art, visually appealing ATM interface with a rich set of ATM services such as mobile top-up, bill payment and cash acceptance.

Fully integrated off-the-shelf solution Sparrow offers a complete off-the-shelf ATM and POS solution that can be easily integrated with your bank’s existing IT infrastructure. With Sparrow your bank can issue debit cards, stand-in processing and transaction routing to national and international networks such as VISA, MasterCard and UPI. Sparrow continues to be a result of a consolidation of the key features and the major enhancements and customisations requested by a client-driven road map over the over many years. As a result, long-term cost savings. Long-term cost-savings for your bank can typically be realised as the quantity of specific enhancements for  future upgrades and versions should be greatly minimised.

SPARROW’S FEATURES

Additional Features Processing Control Platform SupportMonitoring

Card-less transactions

BNA support for cash acceptance

Money Vouchers

Dynamic Currency Conversion

Comprehensive bill payments

Acquirer and issuer fee modules

Multi-currency

EMV support for VISA/ MasterCard MCHIP /UPI

Multiple host support

ATM PIN generation

IBM AIX

HP-UX Itanium

HP-UX PA-RISC

Linux-Red Hat Enterprise

Sun Solaris SPARC

Sun Solaris Intel

Web service interface into systems

Real-time transaction support & monitoring

Sparrow SMS express mobile alerts module

Cardworld FraudTRAP

XML-based remote Sparrow interface module (RSI)

VISA issuer chargeback module

SSL & PGP encryption support

Transparent database encryption (TDE)

Automation

Remote key loading

Significantly re-engineered for scalability and performance

24/7 operation, 150 TPS sustained, over 2000 ATMs, multiple LMK support, PCI-ready

SPARROW PRODUCT SUITE INCLUDES

Sparrow (ATM monitoring, control, switch and transaction processing)

BankWorld ATM Client (multi-functional ATM application)

BankWorld ATM Distributor (remote ATM software administrator)

BankWorld ATM Monitor (remote ATM diagnostics)

BankWorld segmentation capabilities

CardWorld Producer (card personalisation)

CardWorld FraudTRAP – customised limits and rules to monitor for fraud

Sparrow POS

Sparrow HUB

SPARROW Sparrow is a well-known and respected industry ATM switch. Sparrow offers a complete out of the box solution for financial institutions that wish to issue debit cards and run networks of ATM and POS terminals. Sparrow is a robust, reliable and self-contained solution. It allows for rapid deployment, is easy to operate and is supported by experienced technical engineers with hundreds of years of collective experience.

CR2 SOLUTIONS AT A GLANCE

Omnichannel Banking

BankWorld Integrated Self-Service Platform

BankWorld Smart Sales Campaigning

BankWorld Segmentation

BankWorld Product Factory

BankWorld Instant Cash Transfer

BankWorld Card to Card Transfer

BankWorld P2P

BankWorld Fast Loan

Internet Banking

BankWorld Internet for Retail

BankWorld Internet for SMEs

BankWorld Internet Responsive Design for Mobile and smartphone devices

Mobile Banking

BankWorld Mobile SMS

BankWorld Mobile App for Smartphones and Tablets

BankWorld Mobile USSD

ATM / Kiosk Banking

BankWorld ATM/Kiosk Manager

BankWorld ATM/Kiosk

BankWorld ATM/Kiosk Distributor Client

BankWorld ATM/Kiosk Support Tool

BankWorld ATM/Kiosk Studio

BankWorld ATM Custodian

Card Management

CardWorld Acquirer

CardWorld Issuer

CardWorld Producer

CardWorld FraudTrap

BankWorld Pre-Paid Cards

Card On/Off

POS Solution

BankWorld POS

Our extensive range of robust, cutting edge solutions give you the potential to exceed customers’ expectations and deliver the right product, at the right place, at the right time.

CR2 Headquarters in Ireland9 Beckett WayPark West Business ParkNangor RoadDublin 12IrelandTel +353 1 443 9110Fax +353 1 443 9101

CR2 in IndiaChetana Towers, No 19/1, 3rd Floor Infantry Road Cross next to Medinova Diagnostic Bangalore 560001 India Tel +91 80 4241 9800 Fax +91 80 4241 9888

CR2 in AustraliaLevel 2, 369 Newcastle Street Northbridge 6003 Perth Australia Tel +61 (0) 8 9328 28 28 Fax +61 (0) 8 9328 757

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CR2 in the UAESheikh Zayed Road Millennium Plaza Tower 10th Floor PO Box 62187 Dubai United Arab Emirates Tel + 971 4 331 5414 / +971 4 387 5200 Fax + 971 4 331 5480

CR2 in EgyptSmart Village Km 28 Cairo Alexandria Desert Road Building B2401, SMARTZONE Office 80176 October 12577, Egypt Tel +202 35358017 Fax +202 35350549

CR2 in SingaporeLevel 40, Ocean Financial Centre 10 Collyer Quay 049315 Singapore Tel +65 6232-2908 Fax +65 6232-2888

CR2 offices are strategically located across 4 continents and in different time zones to ensure the best coverage to service customer’s needs. CR2 successfully serves over 100 banks in developed, developing and emerging markets across 60 countries and 4 continents.

CR2 AROUND THE WORLD