More and more consumers use their smart phones for mobile banking, in particular for functions such as account balance inquiries, funds transfers, or a search for the nearest ATM. In addition to the use of browser-based offers, smart phone users are increasingly downloading mobile phone applications or "apps" that are offered, for example, by banks or through Apple's App Store. Market trends in both the USA and Europe show that client-based solutions with special apps are establishing themselves in particular for smart phones such as the iPhone or android-based phones.

Banks around the world are beginning to realize that apps are in demand and are integrating them into their marketing communications. This practice emphasizes their innovative power and allows them to address the growing customer group of smart phone users in a targeted manner. The use of apps is now possible in combination with Wincor Nixdorf's modular software portfolio PC/E Suite, which focuses on the sales and service processes of retail banks.

As early as last year, Wincor Nixdorf initiated its business with browser-based solutions for mobile banking with the introduction of PC/E Mobile Banking. At the time, the offer focused on taking existing content from a bank's Internet banking offer and transforming it for use via a mobile phone browser.

Wincor Nixdorf has now expanded its PC/E Mobile Banking solution to support both variants of mobile banking. The solution's components are already in use in more than 400 browser-based mobile portals and as the basis for numerous smart phone clients.

"PC/E Mobile Banking generates content for both browser- and client-based banking, and brings them together on a single platform," explains Norbert Knievel, Product Manager Mobile Solutions at Wincor Nixdorf. "The use of this solution helps banks achieve cost efficiency and uniform reporting for both variants of mobile banking."