Interactive Communication Manager…

Real-time, relevant platform – driving your customer engagement programs.


Today’s customers – online, connected and empowered by new banking channels are seeking a revamped banking experience that engages them on their own terms.With pennApps Interactive Communications Manager (ICM), banks can delight their customers with a real meaningful experience that promotes loyalty and improves customer engagement.

pennApps ICM delivers highly interactive and feature packed customer statements with graphical charts, transaction sorting, transaction grouping, transaction searching and one click payment options all within the statement. In addition, it helps banks to be more environmental friendly and be part of “Go Green” initiatives.


pennApps ICM is an enterprise application that offers various modules to manage the communication design, composition, publishing, delivery and monitor the overall process. The Template Manager offers the flexibility to define numerous templates by customer attributes or segments. The rule engine automates the selection of the appropriate template and generation of targeted and personalised information. The Processing engine automates the composition, creation and delivery of the customer communication.

The information is delivered to customer’s inbox using secured PDF file and HTML rich text email solution. The PDF statement – can be secured with customer driven password or with combination of name/customer number/mobile numbers/any other custom combination or with randomly generated password to be sent as SMS Text to customer registered mobile. pennApps ICM capability of delivering the interactive statements in most widely accepted PDF format with rich interactive content ensures the immediate acceptance as the only requirement is to have the standard PDF reader to enjoy the interactive features.

Interactive Widgets

  • Searchable Statement data
  • Categorised Summary charts
  • Multi Sort Statement data
  • Interact with external websites


  • Flexible design tools
  • Multiple data formats imports
  • Built in registration modules
  • Export to external applications

Other Features

  • Easy and customisable branding
  • Bank specific customisations
  • Multiple Languages
  • Integration to Internet banking

Product Highlights

Truly future ready solution that brings radical transformation, pennApps interactive statements offers positive customer experience. It allows customers to view their consolidated balances across various products thus enabling them to visualise how they can benefit or receive higher returns by transferring their funds to other special products offered by bank.

pennApps ICM comes with inbuilt capability to embed various interactive tools like Payment Calculators, Savings Calculators, Loan/Finance Calculators, Account/Deposit Opening forms, New Loan requests or top-up requests, Raise Dispute on transactions, Address Change Widgets, Limit change requests, Balance Transfer Requests and Loyalty Points Redemption.

Consolidated Statements

Monthly Statements

Renewal Notices

Transaction Advices

Videos and Interactive Banners

March 3, 2015 in News, Product ICM, Product News

Mawarid Finance Goes Live with pennApps Interactive Communication Manager

Mawarid launches electronic statements powered by pennApps Interactive Communication Manager in the first phase with plan to deliver personalized and engaging communication to all its customers in the coming months…

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May 7, 2013 in News, Product ICM, Product News

Ajman bank goes live with pennApps Interactive Communications Manager (ICM) in shortest possible time..

07 May 2013, Hyderabad: Pennant Technologies announced the smooth and successful soft-launch of pennApps Interactive Communication Manager at Ajman Bank in a record time of less than one month…

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April 11, 2013 in News, Product ICM, Product News

Pennant’s Interactive Communication Manager (ICM) to power Ajman Bank’s customer communication covering Account and Card statements

April 11, 2013 Hyderabad – Pennant Technologies announced today that Ajman Bank, a leading Islamic bank of UAE , has selected Pennant’s Interactive Communication Manager (ICM) product to offer engaged, relevant and personalized communication…

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pennApps Interactive Communication Manager

Delight your customers by delivering engaging and meaningful interaction that enhances customer experience…

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