Juice Lifestyle Banking Qorus Banking Innovation Awards 2015

In 2013, MCB became the first institution in Mauritius to introduce a mobile payment platform and mobile banking application called ‘Juice’. The project submitted for your consideration relates to the launch of ‘Juice Lifestyle Banking’, an evolution of the ‘Juice’ product. This project culminated in enhancing previously launched ‘Juice’ features with new landmark functionalities as well as reinforcing MCB’s tradition of innovation first, hence keeping a significant edge over its competitors i.e. other Banks as well as mobile network operators. The guiding objective of the project was to further simplify and enrich customers’ everyday life, whereby they can conveniently, securely and online real time: (i) effect instant payments at MCB Juice merchants, as well as bill and utility payments; (ii) make cardless withdrawals and money transfers, including person-to-person transfers (even to non-MCB customers); (iii) conduct credit and debit Card activation, repayment or PIN resetting as well as pre-paid card loading; (iv) register to Juice using Debit Card, Credit Card or Internet Banking credentials; (v) manage their cards and accounts; (vi) effect phone air time refills; (vii) add, remove and maintain beneficiaries for transfers and payments; (viii) have access to exclusive offers and rewards; (ix) locate MCB branches, counters and ATMs; (x) contact MCB Call centers and send mails, requests, complaints to MCB services and (xi) redeem WIFI Internet credits earned during Juice transactions in exchange of free Internet Connectivity at selected access points across Mauritius. Moreover, Juice can be easily accessed using a four digits PIN paired to the users’ device and is available free of charge anytime and anywhere as a native mobile application using a mobile phone or using a browser from any device connected to the Internet. The project lasted 4 months and was successfully rolled out on 4th March 2015; it mainly leveraged on in-house competencies and capabilities, seamless system integration, reuse of online channel features, close collaboration efforts between multi-functional teams mainly from the Cards and IT departments, as well as support from overseas IT Vendors. Juice Lifestyle Banking is a successful realization of MCB’s vision to leverage on innovative technology for the benefit of its clients, by boosting customer centricity, migration from physical to digital and self-service channels, as well as achieving excellence in multi-channel banking.