The Des Moines, Iowa-based credit union and community bank payment solutions provider TMG launched a mobile app, Smart-AIM, which allows its clients' cardholders to make payments, view statements and manage accounts from anywhere.
In addition, cardholders can use the app, available soon for download from Apple and Android app stores, to make changes to their accounts, notify TMG of travel plans or suspend their accounts if a card is misplaced or stolen.
Through the app, piloted with a small group of financial institutions, cardholders can also access SmartControls, which gives cardholders the ability to determine where, when and how their cards can be used, monitor their account activity, request account information and set up alerts.
In addition, cardholders with Apple and Android devices equipped with touch identification technology can log into Smart-AIM with their fingerprints.
"We've had a great deal of success with our consumer web applications," Brian Day, TMG's director of digital strategy, said. "A mobile app is a strategic extension of our digital expertise designed to cater to today's mobile-first consumer."
According to Day, the mobile app, built on TMG's application programming interface platform UniFI, allows TMG the flexibility to develop and deploy new features and/or connect with new technologies.
In its first phase, Smart-AIM emulates the functionality of MyCardInfo, the online account management interface used by credit cardholders of TMG's clients.
As the app progresses through its evolutionary phases, Day said he expects it could allow TMG's clients to use the API Smart-AIM information in their own mobile banking apps to create one, seamless digital banking experience for cardholders.
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Roy Urrico
Roy W. Urrico specializes in articles about financial technology and services for Credit Union Times, as well as ghostwriting, copywriting, and case studies. Also: writer/editor of a semi-annual newsletter for Association for Financial Technology since 1997 and history projects funded by the U.S Interior Department, National Park Service and Warren County (N.Y.).
