COBIS Everywhere

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The COBIS Everywhere solution focuses on providing the customer with integrated virtual channels to solve their different needs. This provides users a great user experience and a homogeneous range of services through all channels.


The COBIS Everywhere Solution includes:


      • Transaction: COBIS Transerver
      • COBIS Web Container
      • COBIS ATM Connectors
      • COBIS Notifier
      • COBIS Designer
      • COBIS Service Generator

Application Groups


        • COBIS ATM Card Manager
        • COBIS Chatbot
        • COBIS Internet
        • COBIS Mobile
        • COBIS Omnichannel Management

Key Features


oHighly secure transactions that use level 2 and 3 secure mechanisms such as:

§Two-factor authentication

§Biometric security

§Challenge questions

§One Time Password, etc.

oAllows the financial institution to offer its services in virtually any channel

oAccess to products seven days a week, 24 hours a day (offline Support).

oSame user experience for different devices

oMulti-currency, multi-language management

oWide range of financial transaction types

§Internal and external transfers

§Mobile check deposit

§Bill payments

§Credit solicitation


oSolutions geared towards both businesses and consumers

Key Benefits

Business Benefits

COBIS Everywhere focuses on providing an integrated experience to users of the COBIS digital platform through its different channels.

COBIS users will be able to carry out transactions and processes on the different channels offered (ATMs, Internet Banking, Mobile Banking, Chatbots, etc.) in a transparent, safe, integrated and real-time manner:

·The different transactions can be executed identically from any channel

·A process initiated in one channel can be advanced naturally from any of the other COBIS channels.

Finally, the solution offers an omnichannel administrator, which will centrally configure the behavior of the system for the different channels. Some of the available configurations include:

·Amount limits per channel

·Transaction costs per channel

· Permissions to execute transactions per channel