Unlike a smartphone app, where a user has to enter password every time, all you need to do is dial *142# and get access to your accounts almost immediately, even without access to the Internet. The app can be accessed in roaming without extra charges and need for 3G or LTE connection. Functionality includes:
➤ Balance check
➤ Mini bank statements
➤ Top-up mobile phone airtime from bank account
➤ Transactions and payments history
➤ Block debit and credit cards
Security is provided by using USSD technology, as well as additional verification by checking the number of SIM cards. In addition, on some operations users can set additional password. Flexible system management of portal allows Alfa Bank quickly include new functions, change the old ones, and implement on its base services that generate additional income for the bank.
Alfa Bank received a fast and reliable USSD service portal for its subscribers. For example, when during a DDOS-attack all the servers of the bank were not available, the service “Alfa-Dialog” continued to work.
According to observers of the portal Banki.ru, «”Alfa-Dialog” – Russia’s only complete USSD-banking system» (Banki.ru, 08/09/2015).
The service has a monthly fee and brings the bank tens of millions of rubles a month.