From card processing perspective, the essence of e-business is in being able to provide consistent payment and enquiry customer services through multiple, both traditional and electronic, delivery channels. So in addition to the traditional voice authorisation, POS and ATM transactions, SmartVista Front-End and Back-Office offer open, flexibly configurable interfaces to call centre, Internet banking and mobile banking systems, such as SmartVista e-Contact Center and SmartVista Transaction Gateway or third party solutions. To fully benefit from the multi-channel model, this delivery channel integration function should be performed by an external CRM solution, such as SmartVista e-CRM or a third party product. This will allow offering customer many additional services on top of basic payment and enquiry, with requests accepted and information delivered whichever way it is convenient for the customer: by phone in a human conversation or using IVR, through the computer web browser, a WAP or SMS enabled mobile device, e-mail or fax. This will also provide a single view of all customer related activities to help manage customer risks and increase revenue through effective cross- and upselling.