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Hamburg Commercial Bank’s browser-based and multi-bank-enabled electronic banking platform solution.
In today’s globalized and fast-moving business world, two things are particularly important for medium-sized companies: firstly, smart management of increasing payment transactions. And secondly, to be able to optimally manage short and medium-term liquidity at all times. Anytime and anywhere – that is the requirement. Payments must be able to be transferred as quickly, automatically, smoothly and on time as possible across all of a company’s bank accounts at various financial institutions. In addition, it is becoming increasingly important to have digital solutions at hand that enable location-independent payment transactions. This is because mobile, decentralized working will become the norm in the post-corona world. Anytime, anywhere – that is the requirement. And with Hamburg Commercial Bank’s new, browser-based and multi-bank-capable electronic banking platform solution, this is now becoming a reality.
What is behind HCOB’s new Electronic Banking platform solution?
With the platform solution, HCOB offers its corporate customers secure, convenient and location-independent processing of EBICS payment transactions. The browser-based electronic banking platform is an efficient tool for electronic payment transactions. Thanks to its multi-bank capability, a complete financial overview of all the company’s accounts at different banks is possible. Security is extremely important: As a security medium and second factor for logging in, payment approval is carried out using a key file.
Electronic access to your accounts is carried out in accordance with the German EBICS standard. EBICS is a multibank-capable communication procedure for corporate customers that has been agreed within the German banking industry and enables them to reach any bank in Germany, retrieve electronic transaction information and issue payment orders.
User guidance and administration in the electronic banking platform are extremely convenient. This saves you and your employees who manage payment transactions a lot of time and resources.
- From now on, you can handle all your payment transactions from your mobile workstation.
- You benefit from the transparent range of functions for your core account management processes.
- This gives you an overview of all integrated accounts at all times – even with different banks.
- You can display current account balances and individual account transactions in an overview.
- You can also receive your electronic account statements in PDF/A format (BKA) on request.
- You benefit from the multilingualism of the tool. In addition to German and English, French, Italian and Spanish can also be set individually.
- You can optionally use a mobile app for payment approvals.
What exact functions does the new electronic banking platform offer?
- Execution of national and international payments in DTAZV and SEPA format
- Use of payment templates and periodic orders
- Configurable, automatic collection of account information and EBICS status messages
- Release of payments using electronic signatures (EBICS); distributed electronic signatures (VEU) possible
- Upload of payment transaction files from your financial accounting (ERP) and download of files (e.g. STA) for further processing in your financial accounting (ERP)
- Display of user-specific activity suggestions on the start page
- Display of new provisioning by credit institutions on the start page
- Automatic comparison of authorized order types and own account numbers between the electronic banking platform and EBICS bank computer (if supported on the respective EBICS bank computer)
- Display of order files that are available for signature in the signature folder
- Order check via individual payments of the order file
- Release/cancellation of order files by signature
- Entry of national and international account-related payment orders
- Template management
- Payment orders can be saved as templates as part of the administration.
- Templates are stored on a customer-specific basis and are available to all users.
- The templates are stored grouped in folders.
- User login and logout with password and key file)
- Upload of local order files (csv format)
- Download of bank-side provisioning
- Automatic collection of account transactions and earmarked items
- Configurable automatic collection of provisions
- Display of posted account transactions (MT940 or CAMT.53)
- Display of earmarked account transactions (MT942 or CAMT.52)
- Turnover search across all authorized accounts of the user
- Retrieval and structured display of the customer log (HAC)
- Collection and textual display of the customer log (PTK)
- Wizard for initial key generation, submission and bank key release
- Support of the national languages German, English, French, Italian and Spanish in the user interface and for error messages
- Support of the EBICS version for Germany
Operating systems
- Windows
- Mac OS
- Linux
Browsers
- Firefox (Mac OS, Windows, Linux)
- Safari (Mac OS)
- Chrome
- Microsoft Edge