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We all know that technology is changing every day and it seems like only yesterday there were no tablets or smartphones. Today s consumers are better informed and more demanding than ever before. With instant access to product information and a global online shopping network at their fingertips, they enjoy a level of choice and convenience that was unimaginable just a few years ago. Payment technologies are evolving fast. For a business to stay successful, it needs to keep up with technological advancements as well as offer its customers an enriching experience, every time they visit. What s more, businesses need to deliver the speed, flexibility and convenience that consumers have come to expect. And that means finding new ways of doing business. Innovations that harness technology to create elegantly simple business processes and an exceptional customer experience. Innovations like the Pi solution. 2
Exclusive to CommBank. The Pi solution is a unique and powerful open platform for business, enhancing face-to-face customer interaction at point of sale, while offering secure payments. To access the open Pi platform, we ve developed Albert, an interactive multifunctional device. At its core, Albert is a secure merchant terminal, but with the Pi platform the possibilities are endless. Albert will be easily tailored with different apps from the Pi platform, each designed to enrich a business s customer experience and help them become more productive. Together, Albert and the Pi platform will offer a portable touch-interface with an unprecedented level of functionality and customisation. It can be anything from an inventory management system to the way you manage your loyalty or rewards program. 3
When we began thinking about the Pi solution, we started by listening to a number of Australian business owners. They told us they wanted a solution that: Integrates all of their business technologies at point of sale Entices customers and builds customer loyalty with rewards like coupons and in-store offers Why Pi? Is sophisticated in design and can be easily moved around the premises Enhances and simplifies the way their business operates both individually and in conjunction with their partners To deliver this, we needed to create an open and secure platform that was designed for both a business and their customers, had the functionality to support the business s ever-evolving needs, and could readily adapt to market changes. There simply wasn t anything like this available. So we developed it ourselves. 4
Offer your customers a more enriching experience. Advanced The Pi solution has been designed specifically for business to enrich your customer experience and make your business more productive. It runs on a custom-built multifunctional device, Albert, whose sleek interface and sophisticated design will be extremely easy to use. Albert has a: Touch screen High resolution screen that orientates into horizontal or vertical views, for enhanced customer convenience Merchant terminal Allows all types of transactions including swipe, EMV chip insert, contactless and PIN Built-in camera Enables coupons, vouchers or QR codes to be scanned Print and email functionality Issues customised receipts 5
Customisable Much like a smartphone or tablet, you will be able to customise Albert to the unique needs of your business. The open architecture of the Pi platform makes the possibilities endless. You ll have the flexibility to download apps, create and upload your own, and add apps as your business changes. Connected Albert will let you connect to your business systems, to your customers, and to the Bank, with: Easy integration into your operating systems and registers, helping you streamline your business processes and saving you time reconciling. It ll also let you easily offer and implement loyalty or rewards programs. Total portability, with wireless 3G and Wi-Fi connections so your staff can use it as a sales tool to interact with customers on the floor. Secure As with all CommBank merchant solutions, you and your customers can have the peace of mind of knowing the Pi solution will be secure. Both Albert and the Pi platform are being developed to meet the strictest security standards, domestically and globally, to ensure you and your customers are protected. Grow your business The Pi solution will help you provide a differentiated and enriching business-to-customer experience that can increase your customer satisfaction levels and ultimately grow your bottom line. 6
Develop unique business apps. Revolutionary The Pi android platform will have an open architecture, giving you the opportunity to develop new and innovative apps for businesses, across a range of industries. Customisable Much like a smartphone or tablet, Albert can be customised to the unique needs of every business. You can either develop an app for the open Pi platform to be used by many businesses, or create one just for a specific business. Albert has a: Powerful processor Powerful dual core ARM processor 1GB RAM and 16 GB of flash memory Built-in camera 8 MP auto focus camera with scanning capability Multi-touch screen 7 high resolution screen (1280 x 800px) Operating system Android V 4.0 7
Start developing now. The possibilities for developing an app are endless. The Pi platform allows you to create apps for businesses. For example, you can develop a stock keeping app that helps a restaurant keep track of how many bottles of wine they ve sold to help them manage their orders. Apps developed for the Pi platform should meet the needs of a specific business or many either helping to improve business efficiency, productivity, customer service or experience in some way. Every app will be vetted to ensure it meets the required standards, serves a legitimate purpose, and doesn t diminish the security of payments. We re developing a range of apps for the Pi platform, designed to optimise business payment processes. For example, our Split the bill app will let merchants accept multiple payments, and make it so much easier for diners too. Some other apps we are developing include Tipping, Community Giver, Loyalty and Business Insights. A Software Developer Kit (SDK) will be available in late 2012. 8
The Pi solution is just one of our latest innovations. We have also delivered a range of innovative payment solutions that have revolutionised the way Australian businesses interact with their customers. Here are just a few CommBiz CommBiz is our premium online business banking service that allows businesses, whose finances are managed by multiple staff, to do their banking anywhere, anytime all protected by world class online security. evolve MOBILE evolve MOBILE lets you process card payments quickly and easily on any mobile internet device including iphone, ipad and Android phone. Real-time banking We re the first major Australian bank to introduce real-time banking providing faster, easier and more flexible banking with the ability to open, close, transact, and maintain (service) accounts immediately online, 24/7/365. Everyday Settlement today s card sales as today s cash in hand, 24/7/365 Don t wait up to three days for your money from card sales. Everyday Settlement provides same day settlement* on the credit and EFTPOS sales your business makes, every single day of the year. CommBank Kaching next-level mobile payments CommBank Kaching allows friends, contacts and businesses to receive on the spot payments from anyone who has the app simply by providing a mobile number, email address or linked Facebook page. QkR Developed by MasterCard and tailored by the Bank and Hoyts, QkR (pronounced quicker ) is a new queue-busting mobile payment application that allows movie-goers at selected La Premiere Hoyts cinemas to order food and drinks using their smartphone, and have them delivered directly to their seat! CommBank Electronic signatures Electronic signatures is a paperless online service that allows our clients to execute their Asset Finance paperwork anywhere, anytime on any internet-enabled device. 9
Register your interest at commbank.com.au/pi Important information: * Available on transactions made before 10pm AEST for customers with a CommBank business transaction account and a linked CommBank merchant facility. Third party products not included. Consider if product is right for you. Conditions at commbank.com.au. As this information has been prepared without considering your objectives, financial situation or needs, you should, before acting on this advice, consider its appropriateness to your circumstances. Apple, iphone and ipad are trademarks of Apple Inc. Android is a trademark of Google Inc. Commonwealth Bank of Australia ABN 48 123 123 124