smartBUSINESS

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Bank smart with the Emirates Islamic smartBUSINESS e-banking solution. This secure online banking web service is particularly designed for the banking needs of corporate clients by enabling them to manage their payments and reporting needs. It allows clients to conduct transactions like local and international transfers and payments with the click of a button.

  • International and local Telegraphic Transfers
  • Payments to vendors, salary payments and payroll solutions
  • Download swift copies of online outward payments
  • Request for Cheque Books, Demand Draft or Managers Cheque
  • View Account Statements and Comprehensive Account Summary
  • View and Download Account information in real time
  • Utility Bill payments
  • UAE GPSSA pension payments
  • Intuitive user interface
  • Dedicated customer support


"smartBUSINESS"enables you to initiate a wide range of banking transactions.

Payments

  • Make payments towards Utility services like DEWA & Salik and Telecom payments to Etisalat & Du.
  • Make payments to Corporate Credit Cards.
  • Initiate Salary to local and international employee accounts with any bank.
  • Initiate salary through Salary WPS.
  • Make payments towards Immigration VISA using e-Wallet Services.
  • Make Beneficiary payments to local and international beneficiaries.

Transfers

  • Initiate online transfers to Own Account & Third Party accounts and vendor accounts with Emirates Islamic.
  • Collect your receivables from other Emirates Islamic account holders through Direct Debit facility.

Remittances

  • Initiate International and Local Telegraphic Transfers and Demand Drafts.
  • Make Third party payments in the UAE through Manager's Cheques.

Requests

  • Order Cheque Books.
  • Request Balance Confirmation on select accounts.

Reports

  • View Account Statements and Comprehensive Account Summary.
  • Download Account information in real time.
  • View historic account information.


smartBUSINESS facilitates Businesses, Corporate & Institutional Clients to perform financial & non-financial transactions, 24 hours a day, 365 days a year at their convenience. Enables Businesses to enhance their productivity & efficiency by electronically initiating and authorizing transactions as well as viewing account statement and reports from their desktop.

Convenience
Business banking is available to clients through the internet. They can access transactions from anywhere in the world, whenever. All they need is a web-enabled PC.

Transaction
smartBUSINESS gives the ability to perform a basket of transactions, thereby increasing productivity and saving time. Clients can make a multitude of transactions in few simple clicks.
  • Enjoy real-time account balance and transaction reporting be it checking account statement, comprehensive Account Summary or MT940 downloads.
  • Bulk file payments so clients can streamline their payment process.
  • Clients get online transaction advice and transaction histories for efficient handling of vendor queries.
  • Discounted transaction fees compared to over the counter transactions.

Reconciliation
For clients with businesses that comprise of a high level or fast rate of transactions, our e-banking portal provides the choice of making online consolidated debits in a transaction with multiple credits, thereby simplifying account reconciliation.

Email notification
Clients can simply continue with their daily routine and the portal will notify them about payments via auto email notification of payment to the vendor or employee. No need to trace transactions.

Customised exchange rates
Customisable exchange rates can be verified online before execution of transactions, making international transactions for clients even simpler.

Authorisation tracker
The smartBUSINESS authorisation tracker makes the authorisation process transparent and traceable to avoid setbacks and hassles.

Payments
  • Clients can keep their business expenses in check and make payments to Corporate Credit Cards from where ever, whenever
  • They can initiate Salary to local and international employee accounts with any bank and through Salary WPS.
  • Clients can also make payments to local and international beneficiaries
  • Make payments towards Utility services like DEWA & Salik and Telecom payments to Etisalat & Du

Transfers
Initiate online transfers using our simple-to-use interface and a suite of online fund transfer options. Make payments to Own Account and Third Party accounts and Vendor accounts with smartBUSINESS.

Remittance
smartBUSINESS provides clients with an online remittance service so they can conveniently make payments, initiate International and Local Telegraphic Transfers and Demand Drafts. Clients can also make Third party payments in the UAE through Manager's Cheques.

Requests
smartBUSINESS allows clients to Order Cheque Books, and request Balance Confirmation on select accounts.

Reports
  • View Account Statements and Comprehensive Account Summary.
  • Download Account information in real time.
  • View historic account information.

Clients can enjoy a shorter payment processing time compared to manual payments as online payments are done with straight through processing (STP).

Flexible user setups with capability to restrict user access by, products (WPS only), accounts, function (transaction initiation, approval or enquiry) and transaction amounts

The ease of conducting financial transactions securely is probably one of the biggest benefits to any business. That's why smartBUSINESS offers comprehensive security and control features that use a state-of-the-art technology making the online access secure yet simple to use.

For Emirate Islamic, security is high priority. We take every measure possible to make sure our clients' accounts and transactions are kept secure and protected with top-of-the-line security measures.

  • smartBUSINESS access security is controlled through Subscriber ID, User ID and User Password.
  • Setup of authorization and access profiles can be single/dual controlled.
  • Authorization and access profiles can be setup such that only nominated users access the system on the basis of products, functions, accounts and amounts.
  • Transaction submission and authorizations are secured through the use of personalized password.
  • Transactions that are released to the bank for processing use SMS PIN / Token authentication that is unique and simple to use.
  • System Security enhanced through firewalls and 2040 bit Data encryption
  • Unique SMS PIN / Token authentication for administration module.

In order for smartBUSINESS to run smoothly clients need to be equipped with certain hardware.

To access smartBUSINESS we recommend these Hardware Requirements:

Processor Speed
500 Mhz or Higher
RAM
64 MB or higher
Communication
Internet Connection through ISDN or ADSL
Operating System
Windows NT/95/98/ME/2000/XP (English Versions)
Browser
Internet Explorer 5.5 or higher / Firefox 3.5.5 or higher / Safari 3.2.3 or higher
Screen Resolution
1024 x 768 resolution

Note: It is recommended that you have all the latest security updates from Microsoft windows site

smartBUSINESS is a paid service for corporate clients and is made available through a signup process with Emirates Islamic.


Please contact your Relationship Manager or visit the Branch to complete the application form.

For further information, please contact your Relationship Manager or Transaction Banking Services.

Phone
: 04-3160065
Fax
: 04-2226783 / 04-2294199
Email

What is smartBUSINESS?
It is a web-based offering that takes e-banking for business to the pinnacle of comfort and flexibility. It enables corporate clients to perform their business transactions conveniently. With access to smartBUSINESS clients will never have to face the issue of time constraints for financial and non-financial transactions. It is at their disposal 24 hours a day, 365 days a year.

How to apply for smartBUSINESS?
In order to apply for smartBUSINESS, you need to be a corporate banking client. Which means you should either a person or have a business that holds an expense account that pays a vendor for services or products rendered.

How to fill the smartBUSINESS form?
Simply click on the link below and it will guide you through the quick process for filling the smartBUSINESS form.

Click here

Why is e-banking important?
Especially for business, e-banking makes the process of financial transactions quick saving a lot of time. Portals like smartBUSINESS are thought of to provide corporate clients with absolute convenience. With e-banking you can conduct national and international transactions with a simple click of a button. It provides ease and flexibility, making processes hassle free.

What are the charges for e-banking service?
smartBUSINESS is an e-banking service which has no subscription or usage fees. However, there are certain transaction and service charges. To know more click on the link below:

Click here

How can I initiate salary to multiple employees?
smartBUSINESS is ideal for all payroll requirements.

It enables clients to enhance business productivity & efficiency by electronically initiating and authorizing transactions as well as viewing account statement and reports from a desktop.

Clients can initiate salary to local and international employee accounts with any bank. You can also initiate salary through Salary WPS .

How to streamline business finance?
Businesses come with many financial needs and the ease of conducting financial transactions securely is probably one of the biggest benefits to any business. smartBUSINESS offers business finance solutions with comprehensive security and control features that use a state-of-the-art technology making the online access secure yet simple to use.

What are the benefits of a business account?
A business account gives access to e-banking services like smartBUSINESS. This makes the transaction process a convenient one.

It provides 24x7 online access, which helps clients, make quick and easy payments to national and international beneficiaries, get historical data real-time, access trade portal and much more.

It is one portal that provides payroll and other business finance solutions and is secured by enhanced firewalls.

How to order an Emirates Islamic bank cheque book?
If you are a corporate banking client of Emirates Islamic you can get access to the smartBUSINESS portal through which you can order your cheque book easily.

How can I pay multiple vendors and bills at the same time?
smartBUSINESS helps organize payments to vendors which makes it more efficient to pay local and international beneficiaries. Clients can access transaction history and are also provided with online transaction advice to effectively handle vendor queries.

Clients can also manage utility payments towards services like DEWA & Salik and Telecom payments to Etisalat & Du, hassle-free.


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