SCB Pakistan Launches Breeze - A Mobile App

Standard Chartered Bank, one of the leading private bank in Pakistan launches Breeze Mobile - A mobile app & Wap for mobile users. By this service SCB existing customers with Internet Banking account can access the account, perform fund transfer, buy mobile top up etc.
If you own an iphone than you can download it from App Store, for all phone users, they can access it by visiting to http://m.sc.com/pk.

By all means this is not a mobile banking, which other banks like Faysal Bank, MCB are offering in Pakistan.  In which your mobile banking account is separate from internet banking & it requires customer to call help line to activate it. But this is different, you just need to download the app & login with your internet banking account credentials.

There is not much information on how secure this mobile app is. I think we should leave it for time to decide. For now if you are SCB Pakistan internet banking user, you should definitely give it a try.

For more info: Breeze Mobile

What is an xRM? and Why is it an xRM?

There used to be a time when the only information organizations ever used to keep was basic data such as names and phone numbers only to be able to contact their clients when required. Rolodex was the rage and then a spreadsheet that kept information in a single place accessed when needed. When someone said Personal Information Manager, it meant something and everybody used to be awestruck.

And then came along contact managers such as Outlook, where more information could be stored about contacts. Even then just the basics, and enough to be able to touch base with a client when necessary. The real power game started when these contact managers started to realign and become a CRM.

CRM is a technology. Most organizations fail to realize this aspect. CRM or Customer Relationship Management software are not simply software but a whole element of technology and process realignment, as well as business redesign. When a pizza place is called for delivery, the customer is greeted by name. Repeat orders are highlighted and the customer can reorder with the representative preempting this option. This is the beauty of a Customer Relationship Management software. Products and services are aligned with the customer, the customer is well known within the organization through the software, and several business processes are impacted.

Then what is xRM? When a CRM platform is so powerful it can integrate seamlessly any part of a business operation and interconnect across departments and processes to create an all knowledgeable software within an organization, it is an xRM. While the CRM is a technology, xRM is a technological phenomenon. It is a powerful way to bring a business on the same technological platform, align all business data together and be able to manage and serve all stakeholders together.

Next up, but why do organizations fail to realize the potential of this technological phenomenon called the xRM?

(Author: NoorJehan Arif is a functional consultant for MS Dynamics CRM and is the founder of the site Disco Dynamics - which is currently a work in progress)