Commercial Bank of Ethiopia

Mobile and Internet Banking

2016
07/31/2024 Epayment subproces 1
Topics to be covered in this training session
• Definition
• ARC Mobile Channels
• How to subscribe for CBE MB?
• ARC-Mobile Service
• ARC-Mobile Service
• Registration and Activation
• Channel message
• Security
• Frequently asked questions (FAQ
• Demo
 Internet Mobile
Banking Banking
Service

Card
Banking
Service

E-Payment Process

CBE E -Payment Process 3

What is Mobile Banking?
• Mobile banking refers to the use of a smartphone or other cellular
device to perform online banking tasks while from your home , such
as monitoring account balances, transferring funds between accounts
and other.
 ARC Mobile Channels
• Channels – a means to offer MB services .
ARC Mobile Channels cont’d
I. USSD(Unstructured Supplementary Service Data)
• High speed
• Compatible with all mobile device.
• low cost
• Data sent in plain text ---- no encryption.
• E.g : *889# -- dial
• Need only ethio elecom network
II. Smart Client Application(android iPhone..)
• Need internet
• Downloadable application
• Highly secure --- data encrypted
• User friendly
• low cost
ARC Mobile Channels cont’d
III. XHTML
• Browser based
• Increase security ---- encrypted data
• Need internet
• User friendly
IV. SMS
• Compatible with all mobile device.
• Send plain text
• Old one
• Make TXS with One time password or pin
How to subscribe for CBE MB?
• Have CBE account
• Go to the branch where hi /her account is opened and request the
branch for MB.
ARC-Mobile Service
Real Time Account balance
Transfer or payment type services:-
• Own account transfer
• Pay to Beneficiary( pre-defined Beneficiary)
• P2P (Fund transfer b/n CBE account holders)
• LMTS(Local Money Transfer Service)

Internet & Mobile Banking E-payment Sub-process

....continued ARC Mobile R12 service

Managing favorites or beneficiary type service

• Register new favorite/Beneficiary
• Delete registered Beneficiary
• List Registered Beneficiaries
 ....continued ARC Mobile R12 service

Information type service

• Exchange rates
• Loan repayment schedule
• Future dated payment
• Standing order
• Cheque Book Request
• Cheque Book Status
• Cheque detail

Internet & Mobile Banking E-payment Sub-process

Work flow in new version

CSO-1

CSM CSO-2
Registration and Activation of Mobile Banking Service
in Arc mobile R-12 Version

Registration @ Authorization and Activate the

Branch on T24 Providing channel service @ Branch
Cust-id, A/c number @ Branch on T24 on Arc mobile
Creation of Mobile Mobile Banking user Customer assistant
banking user authorization Service availability
Initiation of channel

Branch User-1 Branch User-2 Branch Use

CSO1(Fmaker) CSO2(auto) CSM (ac code)
Channels messages
For all channel
The PIN for the service you have request is 4540
Smart app
Please download CBE Android, iPhone… application from Market
Place and use the Key AAQ3RUVBCB9AXU to activate
XHTML(java)
(Please click the link to access the xhtml payment channel
https://www.cbemb.com.et:8443/payment/MPBrowser/AAUA2JUV86
2V8Z.html)
Security
• CBE implements different security layer in order to safeguard
customers data.
• Intranet
• Firewall
• Server Side (Arc Mobile)
• Page Certificate Authentication (https)
• Client Tier
• User name and password
• PIN (4 digit number)
• OTP (One Time Password) – expire after a few sec(SMS).
• Session
Mobile banking Frequently asked questions(FAQ)

Common error during authorization

• mo.customer.exist
Remove multi value email address or validate email address, special character
• Customer phone number missing,\
customer’s phone number is subscript alert registered
• customer stop error invoking java call j – code -7
customer is already registered ..find it on ARCMOB
• Unable to find user based on External user ID
customer ID is belongs to different branch or incorrect user ID

07/31/2024 Epayment subproces 16

CONT’D
• How to access more than one account using one phone number?(add
acct or merge)
• I have only two menus, how can I get the rest of services?(call center)
• Smart app channels does not display real balance (updates)
• For how along is a given channel expiration duration?(3years)

07/31/2024 Epayment subproces 17

How to handle branch users from
ARCMOB side; FAQ
• I lost ARCMOB address (http://172.31.6.22:8080/internal.ui)
• How to request ARCMOB access (Letter)
• I lost my ARCMOB password or user id(Letter)
• I can’t see the view channel status detail for the customer (Old
browser)
• The pin is not delivering for the customer (Try again and call
center)
• Need to change customer account number (Form)
• Need to change customer phone number (Form)
• Need to add additional account number under the same
customer id (manual)
 Customers FAQ
• I want to use Mobile banking service(I’m new for MB)
• I forgot my PIN (Resent again )
• My PIN is blocked after 3 times attempt wrongly(Unlock)
• SIM card change (Fill phone number change and send to center)
• I change my mobile apparatus /mobile handset , I delete/remove
the application(smart apps) ,My phone is formatted/reseted b/c of
virus ......(Delete exist channel and resend again)
• I lost web-based channel link/address(Resent again )
• Account not available (network or acct is not added)
• Is mobile banking works out side of Ethiopia (except SMS and
USSD)
07/31/2024 Epayment subproces 19
Demo
Internet banking
Description

• Internet banking :- in an electronic service provided by the Bank to allow

customer to perform transactions, informational services etc over the Internet -
through a bank’s secure website.
• Deployed by Temenos itself.
• CBE has implemented a multi-channel banking system (i.e. T24) which also
incorporate internet banking(R10) that enables customers to transact 24 hrs a
day and 7 days a week with out a need to go to the banks counter.

07/31/2024 Epayment subproces 22

Types of users
• The CBE has implemented “TEMENOS ARC internet banking” to provide a
modern, scalable and fully integrated personal and corporate internet banking
solution.
• The personal and corporate internet banking solution of the bank supports
various functionalities and security features .

07/31/2024 Epayment subproces 23

CONT’D
• Personal IB
• Personal Banking- is an internet banking channel that provides Commercial Bank of
Ethiopia personal clients with online financial services.
• Corporate IB
• Corporate Banking- is an internet banking channel that provides online financial
services targeting to Corporate(company, NGO, organization.....etc). Internet Banking
service in addition to the service mentioned in Personal Internet Banking.

07/31/2024 Epayment subproces 24

Personal IB Service

• Account balance
 View Real-time balance
 View / download(.csv or html format) account statement.
 Search account statement by given date.
• Create/view and cancel standing order
Automatic fund transfer to given beneficiary account on a predefined regular basis
• Create/view and delete beneficiary
define your own beneficiary
 LMTS(Local Money Transfer)
remittance

07/31/2024 Epayment subproces 25

Cont’d
• Fund Transfer
 Own account transfer
transfer between ones own account to other own account(same bank
customer ID).
 To other CBE account holder.
 To predefined beneficiary.
• Order/view cheque status.
• Messages sent to/ from the bank which allows sending and receiving messages
securely.
• Setting:
 Change static password
 Login history
07/31/2024 Epayment subproces 26
Corporate IB Service

• Account balance
 View Real-time balance
 View / download(.csv or html format) account statement.
 Search account statement by given date.
• Create/view and cancel standing order
Automatic fund transfer to given beneficiary account on a predefined regular basis
• Create/view and delete beneficiary
define your own beneficiary
 LMTS(Local Money Transfer)
remittance

07/31/2024 Epayment subproces 27

Cont’d
• Fund Transfer
 Own account transfer
transfer between ones own account to other own account(same bank
customer ID).
 To other CBE account holder.
 To predefined beneficiary.
• Bulk payment
e.g. salary payment
• Letter of Credit(LC)
company can apply a letter of credit to the bank

07/31/2024 Epayment subproces 28

Cont’d
• Order/view cheque status.
• Setup / reverse sweep account
In this menu customer can set up a limit
on account beyond which the balance are
automatically transferred to beneficiary account.

07/31/2024 Epayment subproces 29

CONT’D
• Mange user
Admin users on corporate can assign duties to corporate inputter and
authorizer.
• Messages sent to/ from the bank which allows sending and receiving messages
securely.
• Setting:
 Change static password
 Login history

07/31/2024 Epayment subproces 30

 Risk control / Security

• A range of transaction authorization options

• Transaction limits
• Daily transaction
• Single transaction
• For corporate internet banking the limit
depends on a mandate we put

07/31/2024 Epayment subproces 31

Security

Features typically include:

Secure Sockets Layer (SSL) used
to achieve trusted communication.
When URL begins with https it identifies the site as “secure” (meaning
that it encrypts transmitted information)
• Multi-level firewalls
• Two factor authentication
OTP, static password

07/31/2024 Epayment subproces 32

Cont’d
• User lockout after incorrect login attempts
• Inactivity timeout
• Encrypted authentication credentials
stored on 4tress’s HSM
• Unique personal User ID
given by the bank
• Transaction signing(using One Time Password(OTP) for payment and beneficiary creation)

07/31/2024 Epayment subproces 33

Work flow in new version
Currently work by CSM

CSO-1

CSM CSO-2
Benefit
• Easy to access your account
• Financial management
• Availability (24X7)
• Time and cost saving
• Avoiding branch queuing
• Account and fund management at your hand.
• Easy to get/print bank account statement.
• Possibility to process more financial transactions
• Possibility to extend your market
(even out of country)
07/31/2024 Epayment subproces 35
Requirement
• Being CBE customer
• Apply for the service from where your account is maintained.
To Use the service
• Have User ID, memorable word and Token from the bank
• PC/tablet with an internet connection
• Using your user ID , token serial number, registered phone number or
email and memorable word activate/register your self on soft token
activation portal.

07/31/2024 Epayment subproces 36

 SSP(self service portal)
• CBE soft token have four basic work flows
1. Enrollment with Memorable word
• Enables a new user to create all necessary credentials(Static password,sequrity questions …..
• Existing customer uses first Change or update security questions workflows

2. Change or update password

3. Change or update security questions
4. How to manage tokens

07/31/2024 Epayment subproces 37

soft token
• Software token is a type of two factor authentication security device
used to authorize the use of computer service.
• With CBE soft token you may not necessarily carry a hardware token.
• CBE have two types of software tokens
o Mobile token:- the one which is installed on mobile handset, tablets….
o PC token :- the one which is installed on desktop computer, laptop…

07/31/2024 Epayment subproces 38

Where to get CBE soft tokens

• For mobile token

 Android platform go to play store
search by “CBE Mobile Token”
IOS platform(IPhone) go to pp store
use same search key word “CBE Mobile Token”
• For PC token
Get the link to download from the

CBE’s official site(http://www.combanketh.et)

07/31/2024 Epayment subproces 39

Internet banking Frequently asked
questions(FAQ)
• How can I add more than one account after starting the service?
(manual)
• It says authentication error when am to login into the service? (Type
correctly)
• How to merge two different account that have different customer id?
(manual)
• How to start corporate internet banking?(formal litter from Company
and fill form)

07/31/2024 Epayment subproces 40

Cont’d
• I forget my static password, how can I reset it? (Using SSP)
• My token pin is locked? (Using SSP)
• My token is lost or damaged? (Using SSP)
• How can I change my password? (Using SSP)
• Service temporary unavailable(Add phone number customer info. and call
center)
• Incorrect memorable word(call center)
• Why it displays white page after I login in?(Browser version or internet
connection)
• Is internet banking works out side of Ethiopia? Yes
07/31/2024 Epayment subproces 41
Demo
 Resource location
• FTP server
• ftp://10.1.25.8
• Username- TEMENOS
• Password -123456

or
• Username- LMTS
• Password - lmts

• Tel :011-5-54-44-48
• Fax 011-5-54-44-47
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