“Mobileum has a proven track record of delivering innovative mobile solutions on a global basis. In addition, the company has demonstrated a clear understanding of our business requirements. Bank of Ireland is an innovator and core to our competitive differentiation is our ability to quickly and cost-effectively add new and compelling services to our customers.”
- Mr. Ciaran Kilbride, Head of Cards Development, Personal Lending, Bank of Ireland
Bank of Ireland identified the need to deploy a prepaid mobile top-up service which takes advantage of the increased consumer use of SMS as well as using its existing ATM channel. Using Mobileum's technology which enables mobile transactions, Bank of Ireland launched a prepaid mobile phone top up service. The service, called Text Top Up, went live in 2005 and is available to all Bank of Ireland customers in Ireland on Vodafone and O2 networks.
The Mobileum Platform enables Bank of Ireland customers to top-up their own prepaid accounts and others, including friends and family, directly from their mobile phones. To do this, customers simply send a free text message. The transaction is automatically paid for via their Bank of Ireland account.
Registration is extremely easy and instantaneous via any Bank of Ireland ATM. Once registered, a customer can top-up from his mobile phone anytime and anywhere in Ireland or overseas. The top-up call credit is applied automatically within a matter of seconds.
The Mobileum Platform enables the top-ups and associated processes in a fully secure and reliable manner. It also provides connectivity with the mobile operators' SMS delivery and prepaid billing systems as well as the bank's payments systems. The Mobileum Platform includes a suite of web-based applications for call centre and supervisor staff to ensure the smooth and efficient ongoing operation of the service. Mobileum worked directly with Bank of Ireland to deliver the application together with a complete range of consultancy, technical integration and on-going support services.
From launch the system proved to be a very popular service with Bank of Ireland customers and exhibited an increase in frequency of top-up as well as a higher transaction value.
The service has also proven popular with bank customers who travel abroad as they can now top-up their phones as easily as at home.