With the implementation of IBLE, the workflow is simplified not only for the client but also for the bank employee. There is no longer a need to spend a lot of time processing payments. The bank employee only needs to double-check the online payment itself and, if correctly completed, execute the "confirm" operation. If additional documents are required to verify a payment, the bank employee can contact the client by creating a corresponding online letter in the CBS and sending it to the client's personal account. IBLE is simple, convenient, instantaneous, and high-quality.
The launch of the Internet Bank for Business from Colvir is encouraging Halkbank to rethink its strategies in e-commerce. The use of internet banking leads to cost reduction and increased profitability. Halkbank views IBLE as a way to retain existing clients and attract new ones. The bank will also be able to provide online banking services with operating costs much lower than traditional brick-and-mortar banking offices. IBLE enables a kind of dialogue with the client—on one hand, allowing the bank to assess the effectiveness of its activities, and on the other hand, enabling it to give due attention to the client at minimal expense.