Delta State tackles land ownership with SA tech

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Published by IT-Online on 29 June 2016

 

Nigeria’s oil and agricultural producing state Delta State makes a major breakthrough in land title acquisition using new digital signature technology.

New, locally-developed, digital signature technology sits behind a major breakthrough for Nigeria’s Delta State government, which kicks off its “Fast Track 90” scheme – a new digital system for the acquisition of legal titles for landed property.

Historically an onerous process fraught with bottlenecks, bureaucracy and prone to fraud, the issuance of Certificate-of-Occupancy (C-of-O) to property owners in Delta State will, going forward, be fast tracked to 90 days and fraud-proofed – thanks to a system written by pbDigital, a division of South African customer communications firm PBSA.

Delta State governor, Senator Ifeanyi Okowa, unveiled the Fast Track 90 scheme at the end of March, saying one of the biggest hindrances to investors was the high cost and delays associated with acquiring the legal titles to landed property in Delta State, Nigeria’s oil and agricultural producing state.

“Fast Track 90, an innovative policy of this administration designed to enhance ease of business in the state, has been initiated to overcome the bottlenecks that have become a recurring decimal in obtaining C-of-Os, it will take a maximum of ninety days for land owners to obtain their C-of-Os from the Ministry of Lands and Surveys and the new system is fast, transparent and in line with global best practices,” says Okowa.

The solution was positioned as having significant benefits for Delta State, including much faster turnaround times, considerably reduced C-of-O fees, security surety and, ultimately, increased investment in the state

Fast Track 90 relies on a software platform – recently developed specifically for the project – which connects to PBSA’s High Security Module Cloud Server infrastructure in South Africa. The solution is a hybrid, digital certificate issuing and verification solution for certificates that also need to be printed on paper.

Leon van der Merwe, head of pbDigital, explains: “Smatforms, a channel partner of PBSA in Nigeria, approached PBSA for a solution to digitise the paper-based issuing process for Delta State C-of-O documents. The solution-platform is built on pbDigital’s cloud technology that uses state-of-the-art cryptography to embed digital signatures in PDF documents.  The system is an end-to-end solution for issuing these documents.”

The software system features four main fully integrated platforms:

* Certificate Creator – a platform to import the variable data of the citizen that appears on the certificate.

* PDF and QR Code Creator – a platform that produces the digital certificates, each with its own unique QR code for printing.

* Digital Signature Workflow – a platform that allows the certificates to go through a digital approval and sign-off process.

* Certificate Manager – a platform that gives management full visibility throughout the certificate creation, sign-off and post certificate management processes.

Certificate verification

The printed certificate that is issued to the citizen contains an embedded QR code, explains Van der Merwe. “When the QR code is scanned with any generic, free QR code scanner using an online smart device, the original electronic document is opened from a secure cloud location. The electronic version of the document and the printed paper copy presented by the citizen can be compared and must have exactly the same content.

“The authenticity of the electronic document can also be verified by using a free version of Adobe PDF Reader to verify the signatures.

“The digital signatures on the document that were applied by the official authorities when the document was produced, carry X.509 personal cryptographic properties. During the verification process, these signature properties will have the verified personal information and Adobe AATL (Adobe Approved Trust List) certificate information embedded in each digital signature.”

Although developed for Delta State’s new C-of-O scheme, pbDigital’s digital certificate software can be used in any process involving the issuance of printed documents in need of future verification. “The software speeds up business processes, digitises workflow – creating a full audit trail – and completely eradicates fraud,” Van der Merwe adds.

SA tech underpins Delta State’s ‘Fast Track 90’ system

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Published by ITWeb Africa on 29 June 2016

 

Nigeria’s Delta State has launched the ‘Fast Track 90’ digital system designed for the acquisition of legal titles for landed property.

Historically an onerous process fraught with bottlenecks, bureaucracy and prone to fraud, the issuance of Certificate-of-Occupancy (C-of-O) to property owners in Delta State will, going forward, be fast tracked to 90 days and fraud-proofed, claims pbDigital, a division of South African customer communications firm PBSA, and the company that developed the technology behind the digital system.

Delta State Governor, Senator Ifeanyi Okowa, unveiled the Fast Track 90 scheme at the end of March, saying one of the biggest hindrances to investors was the high cost and delays associated with acquiring the legal titles to landed property.

“Fast Track 90, an innovative policy of this administration designed to enhance ease of business in the state, has been initiated to overcome the bottlenecks that have become a recurring decimal in obtaining C-of-Os, it will take a maximum of ninety days for land owners to obtain their C-of-Os from the Ministry of Lands and Surveys and the new system is fast, transparent and in line with global best practices,” said Okowa.

Fast Track 90 relies on a software platform – recently developed specifically for the project – which connects to PBSA’s High Security Module Cloud Server infrastructure in South Africa. The solution is a hybrid, digital certificate issuing and verification solution for certificates that also need to be printed on paper.

Leon van der Merwe, head of pbDigital, explains: “Smatforms, a channel partner of PBSA in Nigeria, approached PBSA for a solution to digitise the paper-based issuing process for Delta State C-of-O documents. The solution-platform is built on pbDigital’s cloud technology that uses state-of-the-art cryptography to embed digital signatures in PDF documents. The system is an end-to-end solution for issuing these documents.”

Certificate verification

The printed certificate that is issued to the citizen contains an embedded QR code, explains Van der Merwe. “When the QR code is scanned with any generic, free QR code scanner using an online smart device, the original electronic document is opened from a secure cloud location. The electronic version of the document and the printed paper copy presented by the citizen can be compared and must have exactly the same content.

“The authenticity of the electronic document can also be verified by using a free version of Adobe PDF Reader to verify the signatures.

“The digital signatures on the document that were applied by the official authorities when the document was produced, carry X.509 personal cryptographic properties. During the verification process, these signature properties will have the verified personal information and Adobe AATL (Adobe Approved Trust List) certificate information embedded in each digital signature.”

Nigeria: Delta State tackles land ownership bane with SA tech

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ITNewsAfrica_logo

Published by IT News Africa on 28 June 2016

 

New, South African developed digital signature technology sits behind a major breakthrough for Nigeria’s Delta State government, which kicks off its “Fast Track 90” scheme – a new digital system for the acquisition of legal titles for landed property.

Historically an onerous process fraught with bottlenecks, bureaucracy and prone to fraud, the issuance of Certificate-of-Occupancy (C-of-O) to property owners in Delta State will, going forward, be fast tracked to 90 days and fraud-proofed – thanks to a system written by pbDigital, a division of South African customer communications firm PBSA.

Delta State Governor, Senator Ifeanyi Okowa, unveiled the Fast Track 90 scheme at the end of March, saying one of the biggest hindrances to investors was the high cost and delays associated with acquiring the legal titles to landed property in Delta State, Nigeria’s oil and agricultural producing state.

“Fast Track 90, an innovative policy of this administration designed to enhance ease of business in the state, has been initiated to overcome the bottlenecks that have become a recurring decimal in obtaining C-of-Os, it will take a maximum of ninety days for land owners to obtain their C-of-Os from the Ministry of Lands and Surveys and the new system is fast, transparent and in line with global best practices,” said Okowa.

The solution was positioned as having significant benefits for Delta State, including much faster turnaround times, considerably reduced C-of-O fees, security surety and, ultimately, increased investment in the state.

The tech behind Fast Track 90
Fast Track 90 relies on a software platform – recently developed specifically for the project – which connects to PBSA’s High Security Module Cloud Server infrastructure in South Africa. The solution is a hybrid, digital certificate issuing and verification solution for certificates that also need to be printed on paper.

Leon van der Merwe, head of pbDigital, explains: “Smatforms, a channel partner of PBSA in Nigeria, approached PBSA for a solution to digitise the paper-based issuing process for Delta State C-of-O documents. The solution-platform is built on pbDigital’s cloud technology that uses state-of-the-art cryptography to embed digital signatures in PDF documents.  The system is an end-to-end solution for issuing these documents.”

The software system features four main fully integrated platforms:

  1. Certificate Creator – a platform to import the variable data of the citizen that appears on the certificate.
  2. PDF and QR Code Creator – a platform that produces the digital certificates, each with its own unique QR code for printing.
  3. Digital Signature Workflow – a platform that allows the certificates to go through a digital approval and sign-off process.
  4. Certificate Manager – a platform that gives management full visibility throughout the certificate creation, sign-off and post certificate management processes.

Certificate verification
The printed certificate that is issued to the citizen contains an embedded QR code, explains Van der Merwe. “When the QR code is scanned with any generic, free QR code scanner using an online smart device, the original electronic document is opened from a secure cloud location. The electronic version of the document and the printed paper copy presented by the citizen can be compared and must have exactly the same content.

“The authenticity of the electronic document can also be verified by using a free version of Adobe PDF Reader to verify the signatures.

“The digital signatures on the document that were applied by the official authorities when the document was produced, carry X.509 personal cryptographic properties. During the verification process, these signature properties will have the verified personal information and Adobe AATL (Adobe Approved Trust List) certificate information embedded in each digital signature.”

Although developed for Delta State’s new C-of-O scheme, pbDigital’s digital certificate software can be used in any process involving the issuance of printed documents in need of future verification. “The software speeds up business processes, digitises workflow – creating a full audit trail – and completely eradicates fraud,” concludes Van der Merwe.

Digital signature technology breakthrough for face-to-face signing

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face to faceThe SignFlow team has made a technological breakthrough that gives users the ability to carry out face-to-face document signing and turn a simple electronic signature into a certifiable digital signature with a full audit trail, on the fly.

Ideal for face-to-face contractual signing, the new SignFlow feature allows users to have documents signed in a face-to-face environment, with a graphical signature that is linked to the signer’s identity, cellphone number and email address. This provides the SignFlow user the opportunity to witness the signature, which – backed by a digital certificate – is 100% legal.

While the use of electronic signatures obtained via mechanisms such as handheld signature pads is commonplace, SignFlow has taken the practice to the next level and is the only solution on the market that takes an e-signature and turns it into a digital signature, with the signer’s information embedded into a digital certificate.

SignFlow Face-to-Face is not just the scribble of a signature with a mouse – it is a fully-fledged, legally certifiable digital signature with all the security and non-repudiation benefits that come with it.

On top of this, the Face-to-Face signature from SignFlow has all the auditing advantages of a digital signature – another area in which it trumps electronic signatures. This means that, after the document has been signed and the PDF downloaded, the audit trail of the person that signed can be seen in the PDF document – allowing the user to validate the person’s signature using Adobe Acrobat.

A digital signature differs fundamentally from an electronic signature. An electronic signature has no active verification capability built into it – nor does it come with a traceable audit trail – leaving it wide open to fraud and repudiation.

A digital signature, on the other hand, is created using a cryptographic operation that creates a hash-code unique to both the signer and the content, so that it cannot be copied, forged or tampered with. In this case there is strong proof of the signer’s identity, and the data integrity of the document is totally protected.

Franked mail: adding your company’s stamp of professionalism

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FRANKING RANGE NEW

 

 

Want to add a touch of professionalism and save time and money with each piece of mail you send out? Franking is the answer.

 

 

Fact: franking mail saves you money. Add to this cost-saving benefit things like a heightened image of professionalism, considerable time savings and greatly improved productivity, and you have yourself at least four good reasons to go the franking route when it comes to your business’s outbound mail.

Whether you are a large corporation, small business, government or education institution – or even a sole trader – you can benefit greatly from investing in a franking machine.

Economical, fast and business efficient, franking machines have been around for over 90 years, facilitating outbound mail for businesses of all sizes. The franking machines of today have come a long way, but one aspect has remained unchanged: ease of use.

Franking machines are essentially postage meters that are reset by telephone and are operated in a few simple steps:

  1. An envelope or label is placed into the machine’s printer slot, after which it is franked with your postage, the date, a unique code and your chosen message/company logo (a stamp of professionalism on each piece of mail you send out).
  2. The logo (optional) you want printed on your mail is selected on the machine’s touchscreen (giving you the opportunity to promote your brand).
  3. The parcel or letter is ready to go (that’s it).

Host of benefits

For most businesses trying to harvest profits – or just keep head above water – in today’s volatile economic environment, cost saving is top of mind when it comes to investing in new equipment.

Not only do franking machines offer indisputable financial advantages – i.e. a 4% discount, based solely on the fact that you’re using a franking machine – they come with a range of other attractive perks too.

Bear in mind, all other postal discounts either have a condition attached (like having to buy a certain amount of stamps to qualify) or they have a negotiating element to them (for instance with permit mail, where you have to negotiate the applicable discount). The discount for franking machines, on the other hand, is a given and can also be used on top of other discounts, like bulk post discounts.

Moving on to other benefits, franking machines offer:

  • Faster post: Franked mail goes through the postal system faster. This is for two reasons: firstly, post offices have machines that check the stamps, which takes manual checking out of the equation, and secondly, franked mail is date sensitive, so it has to be processed the same day.
  • Security: Because postage money is loaded via transfer, the requirement to have someone buy stamps and store them somewhere – which is basically tantamount to having money lying around – is a thing of the past.
  • Accounting: With franking machines you can create accounts and allocate passwords, not to mention draw reports. Automating reports removes the human error element and allows for easier book keeping. Remember, too, we are talking tax-deductible expenses.
  • Marketing: As mentioned above, franking machines give you the option of adding messages to the slogan block area of your mail. This can be your company logo and return address, a strong marketing message, urgency note – or even something more jovial like seasonal greetings.

pbOffice, a division of PBSA, recently introduced a brand new range of sophisticated franking machines that caters to every type of business’s specific needs. Economical, fast and able to process even huge volumes of mail, our machines will not only meet all your outbound mail needs – they will go beyond.

Visit our franking machine web page now to see how we can help you cut costs, improve productivity and elevate your corporate image.

PBSA unveils new franking machine range

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FRAMAPBSA (formerly Pitney Bowes South Africa) has launched a brand new range of franking machines that will enable clients to present a first-class, professional image with every piece of mail sent out.

The new machines replace PBSA’s discontinued range and includes three models, namely the EcoMail, Mailmax Comfort and Mailmax Speed.

If it is quality, efficiency and ease of use you are after when it comes to your business’ mail franking needs, PBSA has the right solution for you. The new range covers all the bases and will fulfil your specific needs, whether automatic for high-volume mail, or manual for smaller volumes.

Easy on the pocket and on the environment

The EcoMail – a hand-fed franking machine – is the ideal solution for businesses that want to process small postal volumes economically and ecologically.

This machine embodies system intelligence with its exclusive touchscreen that immediately displays every function you need, guiding you through the franking process – step by menu-guided step.

The ink-ribbon cassette makes the EcoMail user friendly and keeps the office clean.

Some of the key EcoMail’s key features include:

  • 2 000 frankings per hour
  • Letter thicknesses up to 6mm
  • Nine programmable fixed values
  • Resettable and non-resettable value and item counters
  • Up to eight advertising clichés in memory
  • Automatic data change
  • High-value blocking

Fully automatic and intelligent

PBSA’s automatic Mailmax machines come with the option of two bases – the Mailmax Comfort and the faster Mailmax Speed.

Mailmax represents the very latest in intelligent franking, with technology that puts all of the machines’ advanced menu-driven functions at your fingertips. The machines are easily expandable at any time and incorporate all the benefits to ensure your postal operations will be optimally efficient and comfortable.

Mailmax franking machines ensure safe, dependable and easy processing, with menu-guided operation through every step of the franking process.

High-quality inkjet technology transfers postal data and advertising messages to paper precisely, sharp and smudge-free, while variable two-dimensional data matrix barcodes also benefit from high print quality.

Mailmax machines allow you to capture statistical data quickly and easily by cost-centre, and to print it directly from Mailmax onto record cards.

Some of the Mailmax Comfort’s features include:

  • 5 000 frankings per hour
  • Letter thicknesses up to 8mm
  • Up to eight advertising clichés in memory
  • Up to 250 password-protected cost-centres with resettable value- and item-counters
  • Easy to use
  • Streamlined processing

Some of the Mailmax Speed’s features include:

  • 10 000 frankings per hour
  • Nine programmable fixed values
  • Letter thicknesses up to 8mm
  • Up to eight advertising clichés in memory
  • Automatic date-change
  • High-value blocking
  • Easy to use
  • Streamlined Processing
  • Strengthen your brand

Let your customers and potential customers know your business has high standards, even before they open the envelope, with PBSA’s new range of franking machines.

For more information and pricing details, please send PBSA sales staff an email at sales@pbsa.co.za or call 011 516 9439.

SignFlow partners with SharePoint for 2016 conference

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SignFlow Share ConferenceSignFlow is a proud partner at this year’s SharePoint conference that aims to equip businesses from across the globe with the tools and knowledge they need to fully harness Microsoft’s collaboration and document management platform, SharePoint.

Next month, scores of business minds will converge in Rosebank, Johannesburg, for Share Conference 2016. This business-centric conference is convened for users wanting to leverage SharePoint and Office 365 to reach new heights of productivity in their organisations.

A team from SignFlow, a world-class digital signing and workflow solution, will be on hand to answer all your questions about SignFlow for SharePoint and discuss how you can use this integration to unlock boundless power when it comes to document management – in the cloud or on premise.

The SignFlow for SharePoint app enables businesses using SharePoint – in any form – to prepare, send, track and sign important documents, contracts and forms from any SharePoint document library, between users inside their network or external signers (anywhere in the world) to the document.

Visit our conference stand from 20 to 22 June at Hyatt Regency to discuss all your business process needs. As one of the only signature workflow applications worldwide that integrates with SharePoint both on premise and in cloud deployments, we fully understand your needs when it comes to the application and its potential to let you achieve optimal productivity and elevate your business.

SignFlow is distributed throughout Africa by pbDigital, a division of leading customer communictions company PBSA.

Digital onboarding: Inject true intelligence into your business processes

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Digital_onboardingA shift towards paperless business processes is starting to be seen in the business world, and there has never been a better time to take advantage of the host of benefits the move to digital brings, than now.

If your business processes still require customers to fill out paper forms, and you want to do away with this onerous, admin-intensive method, PBSA’s pbVerify digital onboarding systems have a comprehensive and effective – yet painless – solution for you.

Our pbVerify digital onboarding systems enable your business to change paper-based credit applications into efficient online web-based forms that verify the identity of the applicant – in real time – while automatically drawing consumer and commercial credit reports in your back-office system.

This enables you to not only eradicate fraudulent applications, but also to approve quality applications in minutes – rather than days or weeks. The system gives you all the information you need to vet a new customer automatically, while they are busy applying.

With pbVerify, no paper, no print and no manual credit bureau, ITC or CIPC checks are necessary – everything is automated according to your procedures.

pbVerify injects true intelligence into web-based application forms. The system provides real-time quality data via API (Application Programming Interface) on South African citizens, consumers and registered businesses, which can seamlessly plug into any web-enabled application.

The solution is fully integrated with SignFlow (www.signflow.co.za), which enables the applicant/s to sign the application or agreement with a digital signature immediately while online. This not only eliminates time wasted from sending the document to and fro via email for signature, it also increases the success rate on finalised applications.

From burdensome to streamlined

Whether you realise it or not, sending clients applications in the form of Word or PDF documents (even dynamic ones) annoys prospective customers right off the bat – at a stage when you should be impressing them.

The pbVerify digital onboarding solution changes expensive, inefficient, labour intensive and time-consuming processes into a professional, streamlined process that will impress your customers. No printing, no hand-written documents, no scanning no capturing and no time wasted.

Despite a gradual shift to paperless processes, many businesses still use paper and print somewhere in the customer onboarding cycle…Yours doesn’t have to.

For more information on PBSA’s pbVerify digital onboarding systems call 011 516 9400 or email Leon van der Merwe on leon@pbsa.co.za

Harness the power of SignFlow for SharePoint

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EG 1

A recent addition to the SignFlow application has unlocked a world of power when it comes to document management – in the cloud or on premise.

PBSA’s digital signing and electronic workflow solution, SignFlow, is now fully integrated with Microsoft SharePoint and SharePoint Online (Office365) – making it one of the only signature workflow applications worldwide that integrates with the Microsoft document management application both on premise and in cloud deployments.

SignFlow seamlessly integrates with SharePoint using web parts, API’s and an efficient event handler, instantly transforming your SharePoint or Office365 online platform into a powerful, world-class document distribution, contracts management and forms approval (eSubmission) system.

The SignFlow for SharePoint app (SFSApp) essentially enables businesses using SharePoint – in any form – to prepare, send, track and sign important documents, contracts and forms from any SharePoint document library, between users inside their network or external signers (anywhere in the world) to the document.

Apart from giving users a secure, fast and reliable means of sending and tracking documents for digital signatures, SignFlow’s recent integration with SharePoint means SharePoint users now have access to the following benefits too:

  • The ability to produce eforms on the fly – and make these available to all SharePoint users across the enterprise, for things like leave applications, expense claim forms, travel requisitions, CAPEX approvals, change management controls, and more.
  • SharePoint becomes a powerful contracts management tool, giving users a clear view into the status of all documents in workflow.
  • Workflow functionality, including document escalation and the ability to set due date and levels of urgency.
  • Negative workflows, collaboration and rejection of documents in workflow.
  • Microsoft Plugin: Install the Microsoft Office plugin on the local computer to activate SignFlow workflow from the ribbon within any office application (like Word, Excel or PowerPoint).
  • SignFlow provides an Event Handler server, which is the channel between the sharp server and the SignFlow server.

The SignFlow Event handler is a “built to order” customisable solution for Microsoft SharePoint deployments. This is not a click install and run application. The Event handler needs to be built and deployed according to client specifications and then hosted on premise by the client. The event Handler requires an external IP that communicates with the SignFlow application over a Secure Socket Layer.

Integration options

Option 1 – SharePoint email exchange

No integration, document exchange from SignFlow via email to SharePoint document libraries.

Option 2 – SignFlow for SharePoint Event Handler.

Documents and metadata are exchanged via the event handler server between SignFlow and SharePoint.

Option 3 – SignFlow for SharePoint App

Documents and metadata are exchanged via the SignFlow for SharePoint App.

Option 4 – SignFlow for SharePoint Integration

Full SharePoint integration with documents and metadata exchanged via the SignFlow for SharePoint App and the event handler server.

Option 5 – SignFlow for SharePoint Hybrid Integration

Full SharePoint integration with an event handler server, SignFlow for SharePoint App and on premise SharePoint integration with a SignFlow hybrid (on-site) server.

Contact: Email Leon van der Merwe on leon@pbsa.co.za or call 011 516 9400.

 Please visit www.signflow.co.za for more information.

Making sense of a digital web of data

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eepublishersPosted by EE Publishers on 23 February 2016

There is a myriad of digital data being generated on a daily basis, with bring your own device (BYOD), social media and the internet of things (IoT) becoming increasingly prolific as internet users progress in what is referred to by local research firm World Wide Worx as the “digital participation curve”.

For companies, making sense of it can be a headache, not to mention a major drain on resources. What follows are some of the challenges – and possible solutions – around security issues that should be top of mind in today’s business environment.

It has been a constant battle for the past two decades to ensure a secure internet and, although massive advancements have been made, the internet is still not 100% secure. As we start connecting hardware devices that control things like domestic and business security systems, smart devices, personal fitness devices, tracking devices and electrical appliances – to name a few – the situation will only become more complex.

The hardware appliance is the weakest link – no matter what it is – so the hardware device needs to be built to accommodate security features like encryption, multi-factor authentication and password strength validation.

BYOD boom

While BYOD indisputably brings with it a number of benefits for companies, it also comes with its fair share of security concerns. Organisations that permit BYOD can benefit from a reduced investment in hardware and enable employees to be more mobile and have 24/7 access to network resources.

On the flip side, the possibility of jeopardising company data is a reality that cannot be overlooked. This can be caused by lost or stolen devices, insecure applications, unauthorised access by non-employees and the fact that devices can connect to company networks over insecure wireless networks.

Interlinked with BYOD is IoT – a relatively new phenomenon bringing with it similar challenges. Although IoT is not a mainstream reality in South Africa as yet, it is said to be rapidly heading that way. IoT will become a reality in South Africa without doubt. Every time our devices become smarter and faster, we move forward towards a fully connected IoT.

While growth offers a lot of opportunities, IoT, in essence, is still not mature, or secure. Adding millions of new devices, billions of lines of code, along with more network infrastructure to cope with the load, will create a new set of challenges, probably far exceeding those of the past two decades.

Despite this, it is believed that local businesses do not take security seriously enough. Even though larger, more security-conscious organisations like banks take security very seriously, they do not necessarily align their security strategies to accommodate for future demands or what the impact of their security strategy has on customer experience. So-called midstream businesses in South Africa generally have very poorly managed security policies, if any.

IAM solution

In both instances of BYOD and IoT, security is key, but this does not mean that businesses need to have specialised security needs.

One of the products in PBSA’s software division, pbDigital, advocates is identity and access management (IAM). IAM outsources all required security requirements to run on the latest international identity and access management on one centralised solution.

IAM is a customer-centric identity and access management solution that empowers users to manage their own identities, enabling the organisation to reduce customer care costs by automating the identity processes.

IAM improves customer convenience with verified social identities and provides strong, multi-factor authentication for business-critical transactions. In other words, IAM takes care of centrally managing the identities of online users, eliminating the need for organisations to spend time and recourses on manually managing user access to their networks.

This is one of the means that companies can use to address the security challenges they face amid the burgeoning of data-intensive phenomena like BYOD and IoT. IAM is designed to centrally manage hundreds of thousands – even millions – of identities, devices and their associated access to multiple networks, which is simply not doable with physical customer service or manually managed security.

IAM involves linking the correct person (device owner) to the device. The second application is managing the access rights the device has to one or more networks, and the third is encrypting the channels of communication between the device and the various networks. All of these instances are centrally managed by IAM.

IAM is one of a range of solutions companies can employ to protect their digital empire, says Van der Merwe, and security can not be ignored by companies operating in today’s digital world.

Weak security when it comes to BYOD and IoT in the workplace will affect the confidence of consumers and organisations. This, in turn, will slow the process down until strong security is adapted and users and organisations can enjoy the benefits of IoT confidently and securely.

Contact Leon van der Merwe, PBSA: leon@pbsa.co.za / Tel: 011 516 9459

Electronic signatures vs digital signatures

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SignFlow LogoWhile many consider electronic signatures and digital signatures as interchangeable terms and, indeed, use them as such, this is not the case. In fact, the two phrases have vastly different meanings – and the respective technologies very different bearings.

Leon van der Merwe, co-founder of workflow and digital signing solution SignFlow, explains: “Depending on where you are in the world, ‘electronic’ -and ‘digital’ -signatures are often mixed in conversation and in law. Although described in unison, they are different technologies, have different meanings and in most countries carry a vastly different legal weight.”

So, what exactly is the difference?

Let’s start with the most commonly used of the two, electronic signatures. An electronic signature (also referred to as an ordinary electronic signature) can be as basic as a scanned image of a wet (hand-written) signature that is copied onto a signed document. These types of signatures are difficult to maintain and proof of identity, security, authentication and integrity is low.

Electronic signatures are often created by hardware signing devices, such as signature pads, which create an image of the signature as a person draws it on the pad.

This image is then transferred onto the document. Verifying the authenticity of the signature at a later stage is difficult and much the same as trying to verify a handwritten signature.

These signatures do not have the ability to lock documents for editing after the signing process. There is no active verification capability built into the applied signature area, leaving it open to fraud and repudiation.

On the other hand, a digital signature (also known as an advanced, standard or secure electronic signature) is based on Public Key Infrastructure (PKI) technology using accredited personal X.509 digital certificates to provide the highest levels of security and universal acceptance.

Digital signatures are created using a cryptographic operation that creates a hash-code unique to both the signer and the content, so that it cannot be copied, forged or tampered with.

This process provides strong proof of the signer’s identity, protects the data integrity of the document and provides non-repudiation of signed documents.

Digital signatures can be verified without the need for any special proprietary software. Depending on the format of your document, the latest versions of free Adobe Reader or Microsoft Office application can verify the signature. Simply click directly on the digital signature to view the properties, signer’s identity, time and reason for signing – all of which are embedded in the document.

SignFlow only uses Digital signature technology. Every signature on a document signed with SignFlow is a Digital signature that carries the unique cryptographic credentials of the signer.

PBSA unveils new digital signature technology

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itologoPosted by IT Online on 17 February 2016

Up to 80% paper resources reduction, an 80% decrease in power consumption, up to 90% time savings and a largely reduced usage of petroleum and diesel are all reasons PBSA (formerly Pitney Bowes SA) has launched digital signing and electronic workflow solution SignFlow.

This is according to PBSA business development manager and SignFlow co-founder Leon van der Merwe, who notes the software product – “a first in South Africa” – has now officially launched, following its BETA release in October.

This comes three years after PBSA introduced digital signatures into South Africa with its CoSign digital signature solutions. Van der Merwe says the advantage of the solution was immediately evident. “We saw the potential to drastically cut down on costs associated with printing.” He adds that about 80% of businesses’ printing is as a direct result of the need to archive and wet-ink sign documents.

But while the CoSign solution solved the problem of businesses having to print, sign, scan and email documents for signing, it did not solve the problem of documents having to be signed by multiple parties, notes Van der Merwe.

He says this is where SignFlow plugs the gap. “SignFlow was designed, using the latest X.509 cryptographic digital signature technology, to workflow documents to multiple parties that all need to sign or action a document.

“[This means] the document originator/owner can, by using SignFlow, automatically and sequentially distribute any document to multiple parties to legally sign a document through an intelligent workflow system or from any popular document management platform like Microsoft SharePoint Online or Office 365.

“By signing documents electronically with SignFlow, the electronic version of the document becomes the original,” explains Van der Merwe. “This has a huge impact on archiving of documents as it is not required at any stage to print these documents for long term archiving.

Extensive application

“The amount of money and time that businesses spend on getting documents approved and signed is staggering. Signflow bridges this gap by offering a secure digital signature workflow solution so powerful, it eliminates all the inefficient, costly processes relying on print, scan, fax, email and courier completely.”

PBSA’s SignFlow product is designed to benefit any business that signs documents or has others sign documents, contracts, mandates, agreements, etc, with the main verticals to have benefitted thus far being the financial, auditing, engineering, legal and government sectors.

While the solution has seen interest and “extremely positive” feedback primarily from the corporate world, consumers stand to benefit just as much, says Van der Merwe. “Every consumer in South Africa that has ever been asked to sign a document will benefit,” he says, citing the end of brick and mortar banks and the need to print, scan and email or fax documents as obvious advantages. He adds that there is no cost to the consumer to sign documents using SignFlow.

Ultimately, he says, PBSA would like to see every individual consumer, as well as business and government department in South Africa having access to this technology.

All-round impact

Should this goal be realised, Van der Merwe says, the implications would be immense.

According to The Paperless Project – a grassroots coalition of companies focused on transforming the way organisations work with paper and electronic content – the world produces over 300 million tons of paper each year.

“This will eradicate the need for anyone to print documents for signing ever again. [As far as the environment is concerned], this would mean paper usage in a business being cut down by up to 80%, while power consumption [will be reduced] by 80% on the devices (printers, copiers, scanning machines, etc.) that are being used to produce paper documents.”

On a macro scale, he adds, documents would be able to be electronically distributed anywhere in the world, so there would be no need for courier services – which in turn would mean reduced usage of petroleum and diesel.

On the IT infrastructure side, universal adoption of the technology would mean a significant reduction of file replication. “At present, a document in need of four signatures is typically printed and scanned four times, but it is also emailed eight times, which means there are eight different versions of the document. With SignFlow there is always just one instance of the document.

“In addition, not having to print, scan and courier documents would result in an estimated time reduction of up to 90%, noticeably increased business efficiency and an easy means of tracking progress.”

According to a survey by UK-based research company YouGov, the UK’s SMEs waste over £42,2-million per day in revenues just looking for documents.

Local tech

SignFlow comprises two core technologies, both of local origin. The cryptographic public key infrastructure was launched by PBSA in South Africa in 2014 and forms the core X.509 cryptographic infrastructure that allows users to sign digitally in SignFlow.

Secondly, the SignFlow platform itself was 100% developed in South Africa by South African developers in partnership with Jena Solutions using the latest Microsoft .Net technologies.

Speaking about the challenges of launching a new technology, Van der Merwe says – as with any new technology – the market takes time to get to understand the technology. “The technology has an impact on legal, infrastructure, security and business departments within a corporate environment, so all these departments need to be involved in the decision to implement the solution, which is something that takes time.

“We are a pinnacle point in South Africa, where the realisation of the benefits have become the new driving force, rather than just seeking latest tech.”

Turn waste into valuable material with pbOffice’s baling solutions

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Baling press picTurn waste into valuable material that large companies will purchase with pbOffice’s HSM baling presses.

Perhaps one of the most underestimated cost centres for manufacturers and retailers in particular, is that of waste management. While packaging is essential for transporting products safely, it can very quickly become a problem as materials start to pile up and block valuable space – not to mention involve high personnel costs.

pbOffice, a division of PBSA (formerly Pitney Bowes SA), has an affordable and effective solution to this quandary – HSM Vertical Baling Presses.

Considered as part of the recycling chain, used packaging becomes a valuable secondary raw material. What pbOffice offers, are solutions for handling and compacting this raw material, using innovative technology.

HSM’s baling presses compress cardboard or packaging material into compact bales weighing up to 550 kg. This high degree of compression not only saves storage space, it also makes transport and handling much easier.

Conveniently sized, cost-efficient and high-capacity, HSM baling presses are perfectly suited for industry, manufacturers and retailers alike. Impressively, the volume of on-site packaging can be reduced by up to 95% with these machines.

Added advantages

The HSM V-Press series, currently available from pbOffice, combines the outstanding quality standards of HSM environmental technology with a high level of profitability. Due to both their performance and durability, they are the economic waste management solution par excellence.

In this series, you are sure to find the right baling press to suit your exact needs. For instance, you can choose the machine according to the volume and pressing power required for your operations.

The bales have the ideal size for perfect HGV (heavy goods vehicle) load utilisation. This saves on transport costs and increases the marketing efficiency of the bales, which – being valuable material – large disposal companies will purchase.

HSM baling presses could not be easier to use. The entire pressing cycle, beginning with closing the door, is fully automatic. A text display informs you in detail about the respective status of the process and, when the pressing procedure comes to an end, the sliding door opens automatically. Extracting the bale is simple and easy, and it can be comfortably transported on a pallet.

Another benefit of the presses is that of high operational flexibility. With the HSM V-Press you can decide whether you prefer to press cardboard or plastic film – all at the touch of a button.

Finally, you can rest assured HSM baling presses will deliver optimal process reliability. Thanks to the newly developed HSM TCS (TorsionControlSystem), the angle of the press ram is monitored continuously in every direction. This avoids one-sided overcharge, optimises the pressing procedure and assures longer service life.

For more information on the various HSM configurations, models and specs download the HSM Vertical Baling Presses brochure.

pbOffice adds new air washer to IDEAL portfolio

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AW60In the continued quest to bring healthy, pure air to your indoor spaces, pbOffice – a division of PBSA (formerly Pitney Bowes SA) – has just introduced a new IDEAL air purifying combination unit, the AW60.

Suitable for rooms of up to 60m², the IDEAL AW60 builds on its popular predecessor, the AW40, and features an additional HEPA combination filter and automatic function. The latest addition to the air washer family combines air purification with optimal humidification, for ideally purified and humidified air.

The device has a HEPA combination filter with integrated carbon anti-odour filter. Water, as a natural filter, works together with the HEPA filter to efficiently bind dust, allergens and particle-bound odours in the air. At the same time, the AW60 provides optimal air humidity through specifically structured humidifying disks and by applying cold evaporation.

To create a healthy indoor climate, air humidity is kept within the optimal range of 40% to 60% by a fully automated function on the AW60.

Additionally, the automatically selectable PlasmaWave system actively removes bacteria, viruses and mould spores from the indoor air, while antibacterial CleanCel technology on the water tank and humidifying disks inhibits the growth of bacteria, fungi and acarids.

The device features high-quality touch control and modes for automatic, manual and sleep. In automatic mode the AW60 monitors the air humidity by means of the hygrostat, and automatically adjusts the power – although this can also be controlled manually.

Night mode allows for ultra-silent operation – an ideal mode for bedrooms. There is also a timer function for optimal pre-selection of the desired runtime, including two, four or eight hours.

Easy to clean and maintain, the AW60 is also very energy-efficient.

PBSA unveils digital signature tech

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itweb_logo_smlPosted by ITWeb on 16 February 2016

PBSA, a provider of customer communication solutions, has introduced a digital signing and electronic workflow solution, in an effort to boost paperless offices.

SignFlow is cloud-based software that reduces the need to print documents to obtain signatures, says PBSA (formerly Pitney Bowes SA). It utilises cryptographic technology to apply verifiable, personal digital signatures to documents, it says.

This comes three years after PBSA introduced digital signatures into South Africa with its CoSign digital signature solution.

But while the CoSign solution solved the problem of businesses having to print, scan and e-mail documents for signing, it did not solve the problem of documents having to be signed by multiple parties, says Leon van der Merwe, PBSA business development manager and SignFlow co- founder.

He says this is where SignFlow plugs the gap. It was designed for workflow documents that need multiple parties to sign or action a document.

According to Van der Merwe, the software product has now officially launched, following its beta release in October.

He says the solution is focused towards a paperless SA and solves one last important and complicated part of digitisation of documents – the signature.

He says the drive to go paperless in most businesses is hampered by the need to obtain a signature on the document.

“This, up to now, had far-reaching consequences as it is not so much just the cost of the paper, but rather the far-reaching costs and environmental impact of processing the paper.”

Van der Merwe points out the amount of money and time businesses spend on getting documents approved and signed is staggering.

“Signflow bridges this gap by offering a secure digital signature workflow solution. It eliminates all the inefficient, costly processes relying on print, scan, fax, e-mail and courier completely.”

According to The Paperless Project – a grassroots coalition of companies focused on transforming the way organisations work with paper and electronic content – the world produces over 300 million tons of paper each year.

BMI-TechKnowledge says printing on paper is costing the taxpayer around R2.3 billion per annum, says Van der Merwe.

This is largely due to paper-based processes or digital processes that still break out into paper at some point, he adds.

He believes SignFlow, together with a good culture to drive paperless initiatives in organisations, can reduce this cost with as much as 80%.

SA definitely seems to be taking longer to adapt to a truly paperless environment, says Van der Merwe. “Our culture to want to touch what we read is definitely still very much a part of doing everyday business – this needs to change.”

Van der Merwe points out turning a paper-based process into a digital one requires commitment and buy-in from all stakeholders.

“It’s truly only a change in culture that is the hardest challenge. We are so used to handling paper, it has become ingrained in our ways and we don’t think about the consequences of using it.”

PBSA serves medical sector with new IDEAL air purifiers

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Removing impurities from the indoor air we breathe is perhaps nowhere more important than in the medical industry, where optimal health is the ultimate aim.

Air pollution (both indoor and outdoor) has been tagged by the World Health Organisation as the world’s largest single environmental health risk. Hospital environments in particular are very complex environments, which require special attention to indoor air quality, for the sake of patients and healthcare workers alike.

Recognising this, PBSA (formerly Pitney Bowes SA) has introduced two new IDEAL air purifiers designed specifically for the medical sector – the AP40 and AP100.

Both devices are professional air cleaners with individually replaceable high-quality filter elements, which filter a range of pollutants – including fine dust, pollen, allergens, pathogens such as viruses, bacteria and mould spores, cigarette smoke, exhaust fumes, chemical vapours and even odours – from the air.

With invaluable features like low energy consumption and quiet operation, the AP40 and AP100 are the ideal indoor solution. Both feature a PlasmaWave system, making them the superior choice for spaces where there is a high risk of airborne infections and occupational diseases.

PlasmaWave produces positive and negative ions in an optimal ratio that form hydroxyls, together with hydrogen from the humid air. These hydroxyls neutralise and destroy viruses like influenza, and eliminate bacteria, chemical compounds, poisons and odours at molecular level. Basically, PlasmaWave cleans indoor air in the same way nature cleans outdoor air.

AP40IDEAL AP40

The IDEAL AP40 is made for rooms up to 40m² and features a HEPA filter system with an antibacterial coating and anti-odour filter.

The antimicrobial CleanCel equipment of the device and the antimicrobial coating “MedShield” of the HEPA filter inhibit the growth of microbes and remove pathogens.

It features a high-quality touch display for intuitive control and provides auto, manual, sleep and turbo function modes. In Auto mode, the device continually monitors the air quality with intelligent sensor technology and automatically controls the power. In addition to the automatic adjustment, the fan speed can be manually adjusted at five levels – sleep, low, middle, high and turbo.

A timer can optionally be pre-set to a runtime of either one, four or eight hours and the device features a child-proof key. Convenient function indicators indicate the operational state at any given time, while the filter change display informs users as to when a filter change is pending. Filters need to be changed on average every 12 months.


AP100IDEAL AP100

The AP40’s “big brother”, the IDEAL AP100, is made for rooms up to 100m². In addition to a high-performance filter system and LCD touch screen, this device also features a WLAN (wireless local area network) connection and the corresponding app.

The AP100 has a 7-level cleaning system, featuring the following:

  • Level 1 – Fine pre-filter that filters particles such as dust, hairs, pollen and lint.
  • Level 2 – CleanCel equipment inhibits the growth of microbes.
  • Level 3 – PM2.5 filter filters ultra-fine air pollutants of a size of 2.5 μm.
  • Level 4 – Antimicrobial coating “MedShield” – removes 99.9% of pathogen viruses, bacteria, and mould spores from the air.
  • Level 5 – A high-performance activatedcarbon filter removes various odours and harmful gases.
  • Level 6 – The optionally selectable PlasmaWave system actively supports the removal of bacteria, viruses, mould spores and ultrafine particles from the indoor air.
  • Level 7 – The true HEPA Filter filters 99.97% of the ultra-fine particles of 0.3μm such as fine dust, dental dusts, and sooty particles.

For hygienically pure air and peace of mind, PBSA’s IDEAL AP Med Edition devices are the way to go.

PBSA named Welltec Dealer of the Year

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Welltec trophy2PBSA (formerly Pitney Bowes) has been named Gold Dealer of the Year 2015 by international pressure sealer company, Welltec System.

The recent accolade, awarded to the distributor who sells the most products internationally within a given time frame, becomes the sixth that Welltec – one of the biggest manufacturers of pressure sealers in the world – has awarded PBSA over the past seven years.

Wikus Conradie, sales and business development manager at pbOffice, a division of PBSA, says the latest award serves as a reminder of how well the company has done with Welltec’s product. “These accolades are awarded annually to the top international distributors of the Welltec pressure seal range. Winning these awards represents a decade of trust between PBSA and Welltec.”

Welltec System is the world’s number one desktop pressure sealer company, holding over 75% of the European and Asian market since its inception in 1999. The firm exports products to over 30 countries across the globe.

Welltec president Jong-Koo Lee notes that lifestyles are rapidly changing, thanks to the progression of IT. “Technology and the application of existing automation equipment need to be changed and there are more business opportunities being created accordingly.”

While the mailing market is gradually decreasing, says Lee, Welltec has focused on the mailing automation market for over 15 years and has invested heavily in mail requisition. The firm has, over the past few years, also expanded business to the parcel automation sector, which has undergone significant transformation recently, thanks to the vast growth of e-commerce.

Up your SEO with SSL certificates from PBSA

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sslPBSA’s (formerly Pitney Bowes) SSL certificates could mean your website gets greater exposure. Here is how:

Although it has been in practice for over a year already, many organisations do not realise that Google rewards Secure Sockets Layer (SSL) certified users with better search engine optimisation (SEO) rankings.

The search giant made the announcement in August 2014, saying, “Security is a top priority for Google.” It went on to say it had been running tests taking into account whether sites use secure, encrypted connections as a signal in its search ranking algorithms. “We’ve seen positive results, so we’re starting to use HTTPS as a ranking signal.”

But what exactly is SSL and HTTPS? GlobalSign defines an SSL certificate as a data file that digitally binds a cryptographic key to an organisation’s details. “When installed on a web server, it activates the padlock and the HTTPS protocol (over port 443) and allows secure connections from a web server to a browser.”

When a site has an SSL certificate it displays as HTTPS – as opposed to HTTP – in users’ web browsers. The main advantage of being SSL certified is that customers and visitors to your site have peace of mind that their browsing session is safe, and that any payment details and personal information they divulge on the site is sure to be kept encrypted and secure.

HTTPS is so important to Google, that the company has called for “HTTPS everywhere” on the web. For more insight into HTTPS, see this presentation on why HTTPS matters by Google web experts Pierre Far and Ilya Grigorik.

Automatic trust

PBSA offers SSL certificates through GlobalSign – a WebTrust-certified certificate authority and provider of identity services.

GlobalSign’s SSL certificates offer the strongest encryption and value-add features to ensure your website is protected and meets the demands of today’s modern sites.

GlobalSign SSL is trusted worldwide by every popular browser, application and device. Visitors, no matter what device they use, will automatically trust your SSL security.

More than 2.5million websites use GlobalSign’s WebTrust accredited SSL certificates across the globe.

Let PBSA assist you in obtaining your GlobalSign website SSL certification in South Africa. Our strong partnership with GlobalSign ensures our customers receive the best localised pricing and service. Whether for one domain, multiple domains or sub-domain SSL certification, we add the human touch in SSL management.

FileBound Named to Gartner Magic Quadrant for Enterprise Content Management

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filebound-logo1Upland Software, a leader in cloud-based Enterprise Work Management applications, has been positioned on the Gartner Magic Quadrant for Enterprise Content Management (ECM) 2015* for its FileBound document and workflow automation application – a product that is available from PBSA’s (formerly Pitney Bowes) ECM division, pbDigital.

Upland’s FileBound is also included in Gartner’s complementary report, “Midmarket Contextualisation of the 2015 Magic Quadrant for Enterprise Content Management.”

Upland made its first appearance on the ECM Magic Quadrant in 2014. Relative to last year, FileBound has been positioned higher for its “ability to execute,” which Gartner defines as “how well a vendor sells and supports its ECM products and services on a global basis. In addition to rating product capabilities, we evaluate each vendor’s viability, installed base, pricing, customer support and satisfaction, and product migrations from one major release to another.”

“Upland’s focus on customer-driven innovation results in software that quickly delivers practical results for our growing global customer base,” said Sean Nathaniel, CTO at Upland and general manager of FileBound. “Automating the flow of work within the enterprise is just the beginning. FileBound gives organisations the agility to extend FileBound functionality to their customers, partners and other stakeholders through its cloud-based, device-agnostic architecture. We consider our inclusion in the Magic Quadrant as confirmation that customers see the value in that approach.”

Since the release of the 2014 ECM Magic Quadrant, FileBound has complemented its robust workflow and analytics capability with records management functionality, a public access portal, integration with e-signature functionality such as DocuSign and other features. As FileBound continues to break down the barriers of the enterprise, its unlimited user licensing resonates with customers of all sizes by making it easy and affordable to accommodate every user. Upland also continues to increase its international presence through internal expansion, such as a European data center and dedicated offices, as well as through global partnerships.

To be included in the Magic Quadrant for ECM 2015, Upland had to meet Gartner’s criteria for revenue, geographic presence, functional capabilities and “referenceability.”  To download a complimentary copy of the Gartner Magic Quadrant ECM, please go to the report here.

*Gartner “Magic Quadrant for Enterprise Content Management” by Hanns Koehler-Kruener, Kenneth Chin, Karen A. Hobert. October 21, 2015.

 

PBSA chips in for huskies

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blog picPBSA (formerly Pitney Bowes) did its part to help some of SA’s furry friends this weekend, by taking part in Husky Rescue South Africa’s (HRSA) first sleepathon, at the non-profit organisation’s (NPO) care facility in Lanseria, Husky Haven.

The facility, which has 25 runs that house up to 50 dogs at a time, managed to raise over R55 000 from the event – an amount HRSA founder Joanne van Niekerk says exceeded expectations.

PBSA “rented” one of the runs, home to two of the haven’s homeless hounds, Salsa and Tango, and also kitted it out with food bowls, blankets and toys – while one of the PBSA team members spent Saturday night, 28 November, with the husky duo.

Salsa (a female husky-cross-chow) and Tango (a male husky-cross-beagle) were kennelled for a year before their owner gave them up. They have called Husky Haven home for about two years now.

According to Dominique Strydom, Husky Rescue volunteer and sleepathon organiser, 15 kennel runs in all were sponsored on Saturday. Apart from PBSA, First National Bank, Silver Star Casino, Mutt Mix, International Training Academy, Minuteman Press, GI Consulting and Dowry Security also participated.

“Great fun was had by all, especially the shelter dogs who thoroughly enjoyed the human interaction and companionship.”

HRSA has been rescuing and rehabilitating Nordic breeds of dogs for over 20 years now. The NPO held the charity event to raise awareness within the community, in the hope of finding forever or foster homes for some of the rescued huskies – a breed the organisation says is often misunderstood.

Ensure compliance and peace of mind with PBSA’s hard drive shredder

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hard drive shredDon’t let sensitive information fall into the wrong hands – destroy your hard drives the right way, for once and for all.

The amount of digital data generated in today’s world is unprecedented and growing at a phenomenal rate – doubling every two years – and much of this data is personal information.

It is hardly surprising, in light of this, that the Protection of Personal Information (POPI) Act has stolen so much of the media limelight this year, with its final commencement date expected any day now.

The POPI Act basically regulates how companies store and secure personal information. Failure to adequately handle this data will lead to considerable penalties.

Yet, scores of local businesses still adopt a lax attitude when it comes to the destruction of old hard drives that contain retrievable personal information. And the risk they run, should sensitive information fall into the wrong hands, is a huge one – that of irreparable reputation damage. Not to mention that of loss of intellectual property and legal penalties.

It is not good enough to simply carry out a superficial wipe of an obsolete hard drive and it is certainly not sufficient to toss it out, regardless of how unlikely it may be that it’s discovered.

pbOffice, a division of PBSA (formerly Pitney Bowes SA) offers a failsafe solution in the HSM Powerline HDS230 Hard Drive Shredder, a specialised machine that shreds and permanently destroys hard drives – and the sensitive information they hold – for absolute peace of mind.

Safe and easy to use, the HDS230 shreds hard drives into small particles, ensuring any information that may have been even remotely at risk of being accessed is destroyed for good.

Designed with longevity in mind, the hard drive shredder features a sturdy, solid steel-cutting unit and a powerful, robust drive.

Meanwhile, for the environmentally-minded, the unit’s high throughput capacity and energy-saving continuous operation makes it an intelligent choice for reducing the carbon footprint.

If it’s absolute peace of mind and POPI compliance you are after as a business, this specialised shredder is for you.

PBSA counters indoor air pollution

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Green Message2With the air we breathe in the confined spaces of the workplace – and our homes – each day growing increasingly poorer, intervention is needed to ensure our health does not suffer.

This is where PBSA – a company committed to helping businesses achieve optimal commercial potential through technology – comes in. Introduced earlier this year, the company’s Ideal Air Purifier products have proven to be effective and efficient reducers of indoor air pollutants.

It is indoor air pollutants that are responsible for sick building syndrome – a growing condition causing headaches, dry cough, itchy skin, nausea and dizziness, lapses in concentration and fatigue in the workplace.

Last year the World Health Organisation said air pollution – both outdoor and indoor – was the world’s largest single environmental health risk. In fact, an estimated seven million people died as a result of exposure to air pollution in 2012 alone – with at least 3.3 million of these linked specifically to indoor air pollution.

“Reducing air pollution could save millions of lives,” says the WHO.

Ideal air

PBSA’s Ideal Air Purifier products do just that – reduce air pollution where you need it most. The devices quietly clean and ionise indoor air, getting rid of 99.97% of the airborne fine dust and ultra-small particles that enter employees’ lungs every day.

Using AEON Blue® technology, Ideal purifiers filter the smallest particles and pathogenic germs from polluted ambient air before they reach a person’s airways in a multiple-stage filtering process. The system also creates a large quantity of negatively charged ions, which help destroy harmful substances in the air, like bacteria and mould spores.

Ideal Air Purifiers make use of HEPA (High-Efficiency Particulate Arrestance) filters, meaning they are able to filter almost 100% of all airborne fine dust and ultra-small particles up to a minimum of 0.3 microns. In addition, the technology features an activated carbon filter which effectively absorbs odours, including tobacco smoke and chemicals.

The air purifying system also boasts a high CADR (Clean Air Delivery Rate) which has been verified by an independent rating authority. Verification tests were based on the elimination rates of bacteria and mould, pollen, Formaldehyde, and smoke and odour.

IT ONLINE – Pitney Bowes provides ‘lucky last mile’

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itologoPosted by IT Online on 14 October 2015

In preparation for the running of the national lottery, Ithuba sought to digitise its on-boarding system for retailers and introduce a more efficient, paperless process. The company approached specialists in customer communications and digital signature technology Pitney Bowes South Africa, and is now positioned as South Africa’s first truly digital lottery operator.

The system will enable Ithuba agents to take on thousands of new retailers in a short period of time using a tablet-based system in which all critical information is captured on site, auto-populated and verified.  This is a ‘first’ in the National Lottery’s history in this country and a ‘feather in the cap’ for Pitney Bowes, which developed and customised the system for Ithuba’s specific requirements through the company’s e-business division, pbVerify.

“The system means Ithuba can now enrol new retailers using a tablet-driven API (Application Programming Interface) system, enabling the company’s field agents across South Africa to auto-populate electronic application forms with verified identity credentials, business information and the exact GPS location of potential retailers,” explains Leon van der Merwe, business development manager for Pitney Bowes South Africa.

“Once the information is captured, the retailers can sign the digital application form with an electronic signature. The back-office system at Ithuba then performs automated CIPC (Companies and Intellectual Property) checks, commercial credit checks and anti-fraud checks – digitising the entire vetting process.”

pbVerify specialises in customised solutions that focus on digitising specific, paper-intensive business processes and in doing so, completely eliminating the need for paper. Benefits include faster turnaround times when taking on new clients, error-free digital data capturing, a minimised IT footprint and optimisation of business processes.

“This was a perfect match-fit for Ithuba, which need to take on thousands of new retailers in a short space of time,” says van der Merwe.

This system is cutting-edge in the world of digital on-boarding because it offers a complete, end-to-end digital solution, notes Michael Springer, MD of Pitney Bowes South Africa.

“We solve what we refer to as the ‘last mile’. Even businesses which have adopted some kind of digital on-boarding system still do not have the capacity to integrate real-time verified information. Existing systems eventually need to resort to manual, paper-based processes which require human intervention, printing, signing and scanning of documents,” he says. “pbVerify technology provides the solution through a powerful workflow engine which automates the entire verification and credit assessment end-to-end.”

The pbVerify system has relevance for any business regularly on-boarding new clients or customers, a process which normally involves a substantial amount of documents which are required to be completed and signed by the customer. The system utilises personal and business information drawn from various data sources, such as the Department of Home Affairs, credit bureaus, the Companies and Intellectual Property Commission (CIPC) and other reputable data providers, to instantly populate digital form fields.

“This saves time, ensures that the captured data is error-free and ultimately enhances the customer experience,” notes van der Merwe. “In the case of Ithuba, this will ensure a highly time-efficient process whereby thousands of new retailers will be able to come on board through the use of tablets. Automated credit checks are generated by the system and accurate geo-locations and installation data captured in the field ensures meticulous management of the lottery system.”

For Ithuba, pvVerify perfectly matched their requirements for a more efficient on-boarding process as part of its preparations to run a world class national lottery network.

“As the official Operator of the National Lottery, Ithuba is excited about the partnership with Pitney Bowes South Africa as it gives us an opportunity to modernise the lottery and to further grow our retailer footprint through technology and efficient service to our retailers,” says Charmaine Mabuza, CEO of Ithuba.

“Thanks to Pitney Bowes South Africa, we have been able to introduce a ground-breaking paperless system which will vastly enhance our processes and interactions with our retail partners,” concludes Mabuza.

“We are pleased that Ithuba entrusted such a critical and innovative process to us,” says Springer.  “The end-product far exceeded what anyone could have imagined just a few months ago. Not only were the boundaries of “going paperless” pushed further, but we also managed to incorporate the latest in electronic signatures and digital verifications which will see Ithuba soar ahead as South Africa’s first truly digital National Lottery operator,” he says.

FINANCIAL MAIL – Paperless lottery system

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Posted by Financial Mail on 8 October 2015

paperless_Financial_Mail

TECHNOLOGY firm Pitney Bowes has designed a software program that will enable national lottery operator Ithuba to add more retailers within a shorter period.

The paperless system will also result in faster turnaround times. The new system replaces the manual, paper-based processes which require printing, signing and scanning of documents.

Leon van der Merwe, business development manager for Pitney Bowes SA, says the system means Ithuba can now enrol new retailers using a tablet-driven application programming interface system, enabling the company’s field agents across the country to auto-populate electronic application forms with verified identity credentials, business information and the exact GPS location of potential retailers.

“Once the information is captured, the retailers can sign the digital application form with an electronic signature. The back-office system at Ithuba then performs automated CIPC (companies & intellectual property) checks, commercial credit checks and anti-fraud checks — digitising the entire vetting process,” says Van der Merwe.

Ithuba, which started operating the lottery this year, is also using Vodacom’s network and related services to connect its systems.

Vodacom is providing Ithuba with the communication infrastructure necessary to connect the central gaming system, the regional office and the retailer’s lottery terminals.

PBSA debuts new IDEAL devices

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Purify and humidify the air you breathe with IDEAL’s new combo units

You breathe approximately 10 000 litres of air – not to mention all the undesirable elements in it – through your lungs on a daily basis, which is why clean breathing air is so important when it comes to your health.

With nearly 100% of unwanted substances – including exhaust fumes, viruses and bacteria, tobacco smoke, dust, mould, building chemistry, fine dust, aerosols, animal hair and pollen – posing a risk to  your health and wellbeing, you want to make sure these elements are removed from the air you breathe.

This is where IDEAL comes in. The Germany-based maker of machines that turn the indoor air you breathe into something only nature can produce – fresh, clean, natural air – has launched two new air purifier and humidifier products, the air washer IDEAL AW40 and  IDEAL ACC55 combination device.

While the AW40 washes indoor air, the two-in-one ACC55 device both washes and filters it.

Ideal AW40Indoor air washer

The AW40 – an “air washer” for clean and humidified indoor air – is suitable for spaces of up to 40 m² and has automatic function.

Recommended for allergy sufferers, the AW40 cleans and humidifies air without the use of any consumables. It also features the anti-bacterial Ionic Silver Stick®, is low on energy consumption and operates silently.

The air washer produces clean air and combines this with ideal humidification. Water – a natural filter – binds contaminates such as dust, allergens and particle-bound odour, all without any additional consumables or replacement filters.

Thanks to the integrated humidity switch, the air humidity can be controlled at the push of a button to achieve an ideal room climate. A digital humidity display shows the relative humidity in the room at the push of a button even if the device is turned off.

The AW40’s cleaning mode automatically indicates when to clean the device, to refill the water tank or to replace the Ionic Silver Stick®. All components can be removed from the case with a single movement.

An intelligent light sensor automatically switches the air washer to night operation, which includes automatic dimming and display at night time. This makes the device ideal for use in bedrooms or children‘s rooms. The air washer also features an automatic switch-off function, which kicks in when the water tank is empty.

Two-in-one cleaner

The IDEAL ACC55 – another combo unit that cleans and humidifies indoor air – guarantees a healthy room climate throughout the year.Ideal ACC55

The ACC55 not only ensures clean air by filtering the smallest particles from the air, but also provides ideal air humidity via an evaporator system at the same time.

Suitable for rooms up to 55 m² and also highly recommended for allergy sufferers, the device features a permanent pre-filter that stops hair, house dust and other major particles of dirt before they get to your airwaves. A downstream HEPA fine particle air filter filters almost all particles, pollen, bacteria and viruses, while an activated carbon filter absorbs bad odours.

The evaporation pad, which sees to air humidification, features an evaporator cassette. This is covered with an anti-microbial layer for self-regulating hygienic cold vaporisation that prevents microbial growth.

Featuring a blue LED operation display, the ACC55 is energy efficient and has an extremely smooth-running motor for super-silent operation.

 

ITWEB – SA Lottery paperlessly on-boards retailers

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itweb_logo_sml

Posted by ITWeb on 7 October 2015

In becoming the official operator of the South African National Lottery on 1 June 2015, Ithuba has employed a paperless system for inducting retailers who sell lottery tickets across SA through Ithuba lottery terminals.

The process, which involves on-boarding and credit-vetting thousands of retailers all over the country, would ordinarily require substantial paperwork per retailer, including manually filling out extensive formsand the signing, scanning and printing of numerous documents, explains Michael Springer, MD at Pitney Bowes SA, the customer communication technology provider responsible for Ithuba’s new paperless system.

The paperless system, built and implemented by Pitney Bowes’ e-business division, pbVerify, which specialises in digitising specific, paper-intensive business processes, aims to make Ithuba’s retailer induction process faster and less labour-intensive.

PbVerify’s solution uses a tablet-based system to auto-fill digital form fields using personal and business information drawn from data sources such as credit bureaus, the Department of Home Affairs, and the Companies and Intellectual Property Commission.

It also employs geolocation technology to capture the exact location of the retail site, even in remote areas, explains Leon van der Merwe, business development manager for Pitney Bowes SA.

“Once the information is captured, the retailers can sign the digital application form with an electronic signature. The back-office system at Ithuba then performs automated Companies and Intellectual Property checks, commercial credit checks and anti-fraud checks, digitising the entire vetting process,” Van der Merwe concludes.

The forgotten cyber threat

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Your hallway photocopier could be a cyber criminal’s goldmine.

Photocopy threatMost businesses that place any level of emphasis on guarding internal information will have some sort of system or software in place when it comes to company devices like notebooks, desktops, tablets and smartphones – but seldom does the office photocopier get the attention it deserves.

Recently, investigative journalism TV programme Carte Blanche featured an insert about photocopiers and the potential cyber security risk these seemingly safe office staples pose to companies. Although many don’t realise it, the programme argued, “one of the most serious cyber security threats an organisation faces could come from the innocuous photocopier in the hallway”.

And the threat is indeed a real one. Your organisation’s photocopier – the very same machine that makes scores of imprints on its hard drive with the press of a button (from the playful handprint of an employee’s child to the top brass’ financial documents) could be a goldmine for would-be snoops and cyber thieves.

The reality is, every single document or item that is reproduced and delivered to you on an easily destroyed hard copy, is also saved in the memory of the photocopier’s hard drive.

While some manufacturers offer security solutions like hard drive reset, and while there are certain things companies can do to minimise the threat of data theft (let’s be real – who has the time?) these do not provide the level of peace of mind that comes with total annihilation.

This is where PBSA’s line of specialised shredders comes in.

Total annihilation, total peace of mind

JBF Universal Shredder

Universal shredderThe JBF Universal Shredder offers total peace of mind – leaving not so much as a trace of your photocopied information behind.

Designed for the shredding of hard discs, CDs/DVDs, video tapes, typewriter ribbon and retaining tape – among others – the JBF Universal Shredder features a letter box slot at the hopper cover that allows secure and continuous feeding of the goods being cut, while a large cutting zone (380 mm x 500 mm) allows high output rates.

This specialised shredding machine also comes with the optional application of a granulate screen (6, 8, 10 mm etc) made of high-strength, wear-resistant steel.

The enormous torque of a powerful 4,0 kW drive with gear motor enables superior cutting performance and a low shaft speed of 11 rpm means no sparks inside the cutting unit, low noise levels and minimal dust.

 

 

 

HSM Powerline HDS230 Hard Drive Shredder

Powerline shredder

Another specialised solution to the cyber threat that is your office copier is the HSM Powerline HDS 230 Hard Drive Shredder.

Safe, data protection-compliant and efficient, the HSM Powerline HDS 230 shreds digital data media into tiny pieces, making data recovery from your photocopier impossible.

This data security solution features special hardened solid steel cutting rollers that are hardwearing, impervious and highly durable.

Energy-efficient IE 2 motors with a chain drive offer reliable operation with maximum throughput, even with continuous operation.

Shredded material is carried out by a discharge conveyor belt and can be collected in any standard container.

Cyber criminals today are more sophisticated, determined and ruthless than ever before and your data security systems should be too – and that includes those to safeguard the forgotten cyber threat: your hallway photocopier.

SHOP SA – Ithuba goes paperless with Pitney Bowes

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Posted by Shop SA on 29 September, 2015

shopsaweblogo
In preparation for the running of the national lottery, Ithuba sought to digitise its on-boarding system for retailers and introduce a more efficient, paperless process. The company approached specialists in customer communications and digital signature technology, Pitney Bowes South Africa, and are now positioned as South Africa’s first truly digital lottery operator.

The system will enable Ithuba agents to take on thousands of new retailers in a short period of time using a tablet-based system in which all critical information is captured on site, auto-populated and verified.  This is a “first” in the National Lottery’s history in this country and a feather in the cap for Pitney Bowes, which developed and customised the system through the company’s e-business division, pbVerify.

“The system means Ithuba can now enrol new retailers using a tablet-driven API, enabling the company’s field agents across South Africa to auto-populate electronic application forms with verified identity credentials, business information and the exact GPS location of potential retailers,” explains Leon van der Merwe, business development manager for Pitney Bowes South Africa.

“Once the information is captured, the retailers can sign the digital application form with an electronic signature. The back-office system at Ithuba then performs automated CIPC (Companies and Intellectual Property) checks, commercial credit checks and anti-fraud checks – digitising the entire vetting process.”

pbVerify specialises in customised solutions that focus on digitising specific, paper-intensive business processes and in doing so, completely eliminating the need for paper. Benefits include faster turnaround times when taking on new clients, error-free digital data capturing, a minimised IT footprint and optimisation of business processes.

“This was a perfect match-fit for Ithuba, which need to take on thousands of new retailers in a short space of time,” says Van der Merwe.

This system is cutting-edge in the world of digital on-boarding because it offers a complete, end-to-end digital solution, notes Michael Springer, MD of Pitney Bowes South Africa.

“We solve what we refer to as the ‘last mile’. Even businesses which have adopted some kind of digital on-boarding system still do not have the capacity to integrate real-time verified information. Existing systems eventually need to resort to manual, paper-based processes which require human intervention, printing, signing and scanning of documents,” he says. “pbVerify technology provides the solution through a powerful workflow engine which automates the entire verification and credit assessment end-to-end.”

The pbVerify system has relevance for any business regularly on-boarding new clients or customers, a process which normally involves a substantial amount of documents which are required to be completed and signed by the customer. The system utilises personal and business information drawn from various data sources, such as the Department of Home Affairs, credit bureaus, the Companies and Intellectual Property Commission (CIPC) and other reputable data providers, to instantly populate digital form fields.

“This saves time, ensures that the captured data is error-free and ultimately enhances the customer experience,” notes Van der Merwe. “In the case of Ithuba, this will ensure a highly time-efficient process whereby thousands of new retailers will be able to come on board through the use of tablets. Automated credit checks are generated by the system and accurate geo-locations and installation data captured in the field ensures meticulous management of the lottery system.”

For Ithuba, pvVerify perfectly matched their requirements for a more efficient on-boarding process as part of its preparations to run a world class national lottery network.

“As the official Operator of the National Lottery, Ithuba is excited about the partnership with Pitney Bowes South Africa as it gives us an opportunity to modernise the lottery and to further grow our retailer footprint through technology and efficient service to our retailers,” says Charmaine Mabuza, CEO of Ithuba.

“Thanks to Pitney Bowes South Africa, we have been able to introduce a ground-breaking paperless system which will vastly enhance our processes and interactions with our retail partners,” concludes Mabuza.

“We are pleased that Ithuba entrusted such a critical and innovative process to us,” says Springer.  “The end-product far exceeded what anyone could have imagined just a few months ago. Not only were the boundaries of ‘going paperless’ pushed further, but we also managed to incorporate the latest in electronic signatures and digital verifications which will see Ithuba soar ahead as South Africa’s first truly digital National Lottery operator,” he concludes.

AFRICA PRINT – Pitney Bowes South Africa Provides National Lottery Operator With Digitised System

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Posted by Africa Print on 29 September, 2015

IthubaPitney Bowes South Africa is providing technology for a fully digitised, paperless system for National Lottery operator Ithuba.

The lottery operator approached Pitney Bowes South Africa after it sought to digitise its on-boarding system for retailers and introduce a more efficient, paperless process. It is now positioned as South Africa’s first truly digital lottery operator.

The system will enable Ithuba agents to take on thousands of new retailers in a short period of time using a tablet-based system in which all critical information is captured on site, auto-populated and verified.  This is a ‘first’ in the National Lottery’s history in this country and a ‘feather in the cap’ for Pitney Bowes, which developed and customised the system for Ithuba’s specific requirements through the company’s e-business division, pbVerify.

‘The system means Ithuba can now enrol new retailers using a tablet-driven Application Programming Interface (API) system, enabling the company’s field agents across South Africa to auto-populate electronic application forms with verified identity credentials, business information and the exact GPS location of potential retailers,’ explained Leon van der Merwe, Business Development Manager for Pitney Bowes South Africa.

‘Once the information is captured, the retailers can sign the digital application form with an electronic signature. The back-office system at Ithuba then performs automated Companies and Intellectual Property (CIPC) checks, commercial credit checks and anti-fraud checks, digitising the entire vetting process,’ he continued.

pbVerify specialises in customised solutions that focus on digitising specific, paper-intensive business processes and in doing so, completely eliminating the need for paper. Benefits include faster turnaround times when taking on new clients, error-free digital data capturing, a minimised IT footprint and optimisation of business processes.

‘This was a perfect match-fit for Ithuba, which needs to take on thousands of new retailers in a short space of time,’ said van der Merwe.

This system is cutting-edge in the world of digital on-boarding because it offers a complete, end-to-end digital solution, noted Michael Springer, Managing Director of Pitney Bowes South Africa.

‘We solve what we refer to as the ‘last mile’. Even businesses that have adopted some kind of digital on-boarding system still do not have the capacity to integrate real-time verified information. Existing systems eventually need to resort to manual, paper-based processes which require human intervention, printing, signing and scanning of documents,’ he said. ‘pbVerify technology provides the solution through a powerful workflow engine which automates the entire verification and credit assessment end-to-end.’

The pbVerify system has relevance for any business regularly on-boarding new clients or customers, a process that normally involves a substantial amount of documents that are required to be completed and signed by the customer. The system uses personal and business information drawn from various data sources, such as the Department of Home Affairs, credit bureaus, the Companies and Intellectual Property Commission (CIPC) and other reputable data providers, to instantly populate digital form fields.

‘This saves time, ensures that the captured data is error-free and ultimately enhances the customer experience,’ noted van der Merwe. ‘In the case of Ithuba, this will ensure a highly time-efficient process whereby thousands of new retailers will be able to come on board through the use of tablets. Automated credit checks are generated by the system and accurate geo-locations and installation data captured in the field ensures meticulous management of the lottery system.’

For Ithuba, pvVerify perfectly matched their requirements for a more efficient on-boarding process as part of its preparations to run a world class national lottery network.

‘As the official Operator of the National Lottery, Ithuba is excited about the partnership with Pitney Bowes South Africa as it gives us an opportunity to modernise the lottery and to further grow our retailer footprint through technology and efficient service to our retailers,’ said Charmaine Mabuza, CEO of Ithuba.

‘Thanks to Pitney Bowes South Africa, we have been able to introduce a ground-breaking paperless system which will vastly enhance our processes and interactions with our retail partners,’ concluded Mabuza.

‘We are pleased that Ithuba entrusted such a critical and innovative process to us,’ said Springer.  ‘The end-product far exceeded what anyone could have imagined just a few months ago. Not only were the boundaries of ‘going paperless’ pushed further, but we also managed to incorporate the latest in electronic signatures and digital verifications which will see Ithuba soar ahead as South Africa’s first truly digital National Lottery operator,’ he concluded.

IT-ONLINE – Simplifying loans applications with digital signature workflow

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Posted by IT-Online on Sep 30, 2015

loan applicationFor financial institutions, loans are an essential part of their business, writes Avi Rose, regional sales manager for Africa at DocuSign and Leon van der Merwe, business development manager at Pitney Bowes.

From home loans to vehicle finance, personal loans to credit applications and everything in between, many applications for these services must be processed on a daily basis. The challenge is that at some point in any loan or credit application, one or more physical signatures are required. This has typically meant moving out of electronic channels into manual, paper-based processes. It not only breaks the digital workflow, it is also exceptionally time consuming and paper-intensive, not to mention costly.

In addition, the manual signatory process often negatively impacts the customer experience by requiring the signing parties to be physically present at the financial institution’s branch,  a major inconvenience for customers. However, this issue is one that can be dealt with very easily by adding a digital signature solution to the process. These solutions are fully compliant with all relevant legislation, such as the ECT Act, and eliminate the need to print documents and collect ink-based signatures. This improves the customer experience, reduces the time taken to process loans and cuts costs amongst other benefits.

Traditional ‘wet ink’ signatures introduce inefficiencies into automated and digital workflows, wasting time and money and increasing a company’s carbon footprint. Ensuring that the entire workflow can be completed electronically solves these challenges and improves the firm’s competitive edge, as the ability to more easily and quickly complete applications is not only of significant benefit to customers but also to the financial institution itself.

Up until recently there has been no solution to the challenge of digitising legacy wet-ink signature processes. However, the Electronic Communications and Transmissions (ECT) Act makes allowances for the legal digital signing of documents. Specifically, advanced electronic signatures are now legally valid on documents such as credit agreements, which require a high level of assurance of user authentication. Advanced electronic signature solutions offer certificate-based digital signatures that are legally enforceable because they protect the integrity of the document and the authenticity of the signer.

This in turn ensures that the entire applications workflow can be digitised, which offers numerous advantages. The most obvious saving that can be realised here comes through reductions in the use of paper and ink, as well as in printer and courier costs. In addition, employee effort can be significantly reduced – there is no longer any need to print documents, get them signed, and then scan them back in to put them back into the various digital workflow channels.

The most significant benefit, however, is the significant time saving advantage. With current manual signature processes, it takes days, sometimes weeks, to add all the information and signatures to the required documentation, not to mention the need to send documents back and forth via fax or post. With an advanced electronic signature solution, this time frame can be reduced to a matter of minutes, as these solutions can be integrated into an automated digital platform that efficiently manages document workflow.

For example, a portal can be created where all relevant parties access a single entry point and digitally sign the document with a compliant electronic signature. After authenticating themselves, the required signatories can access this portal from wherever they are in the world, without having to be physically present in a bank or branch office, removing bottlenecks and delays, and improving the efficiency of the entire process. This also ensures that issues with having multiple document versions are eliminated, optimising storage and archiving while also providing a complete audit trail and improving process transparency.

For customers this is a game-changing solution, as one of the biggest hassles and frustrations with financial applications is the time-consuming and inconvenient nature of the process. Using digital signature workflows, financial institutions can gain a significant edge over the competition. The benefits are significant and the business case for electronic signatures is strong, as can be seen by the rapid uptake of such solutions across Europe and the US.

In South Africa, legislation supports the use of advanced and ordinary electronic signatures, and we are currently at a turning point where adoption is imminent. Financial institutions of all sizes, from major banks to micro lenders, stand to benefit from architecturally sound, secure and scalable digital signature workflow solutions that can provide a competitive edge and significantly enhance customer service.

Digital onboarding: The Benefits

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On-boarding new clients doesn’t have to be an administratively intensive task.

Digital signatures make your workplace more efficientWhile most companies make use of print outs, signed documents, scanning and passing on information manually, there is an easier way, thanks to the revolutionary, digital Intelli-forms from pbVerify. These are only a few of the benefits of pbVerify Intelli-forms:

Digitise the process

What happens to new clients if the client service agent is sick, his or her laptop gets stolen or the paperwork disappears? Manage these risks by digitising the onboarding process with pbVerify Intelli-forms.

Eradicate errors

When a number of people work together in order to make a manual, paper-based workflow run smoothly, there’s a lot of room for error. pbVerify Intelli-forms  will help you eradicate errors and increase process efficiencies by automatically populating forms from limited information entered.

Fully customisable

Every business is unique and only you will know exactly what information you need in order to kick-start the on-boarding process. pbVerify Intelli-forms are fully customisable and everything from database entries to specific Terms and Conditions can be determined by you.

Verify information automatically

When a new client gives you an ID number or business information, this information needs to be checked by your staff. With pbVerify Intelli-forms, all the client has to do is enter their relevant information and pbVerify Intelli-forms will take care of the rest. Information such as the last known address and telephone numbers are obtained and populated automatically and business information is verified with CIPC and auto-populated in the form.

Sound too good to be true? It isn’t. Find out more here

Electronic Signatures

CoSign is the most widely used digital signature solution in the world. Whether you’re in a security-minded industry or you’re simply looking for a way to increase efficiencies, digital signatures can work for you.

What makes CoSign so effective is the fact that it adapts to your existing processes, governance policies and SOPs, instead of forcing you to adopt rigid workflows. The digital signatures are integrated into the document/content management or workflow automation system of your choice, including SharePoint, OpenText, Oracle, Alfresco, Nintex, K2 and many more.

When you transition to digital signatures, you can rest assured that your documents are always kept within your company’s domain without you ever having to save it on a third party server. Minimising business risk and improving efficiencies starts with implementing technology that can truly change the way you do business. Find out more about digital signatures now.

IT ONLINE – New digital signature tech from Pitney Bowes

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Electronic signatures in South Africa

Posted by IT-Online on Aug 6, 2014 in Document Management, Technology Areas

itologoPitney Bowes South Africa, a leading provider of customer communication solutions, in partnership with ARX Cosign, the market leader in digital signature technology, has launched a powerful, integrated solution which streamlines and digitises document signing processes.

This new, ground-breaking technology – called ‘CoSign Click’ – is set to revolutionise how companies ‘on-board’ new customers. This is achieved through the elimination of the cumbersome and time-consuming manual process of printing out forms, signing in pen, scanning and uploading or emailing the document.

Leon van der Merwe, business development manager at Pitney Bowes South Africa, explains: “Co-Sign Click is a digital signature solution which enables a company’s customers to sign on-line documents and forms electronically without them requiring a digital signature or any hardware signing device.

“Until now, signing electronically with a digital signature was only available to licensed subscribers of digital signature applications. This new technology is great news for companies requiring customers to provide a once-off signature on a document or form.”

Pitney Bowes is the first company to introduce CoSign Click to South Africa, and is excited to introduce the numerous benefits of digital signature technology to local businesses.

“In South African law there are certain statutes that require a signature before a document can be considered valid. If this signature is to be applied electronically, the Electronic Communications and Transaction (ECT) Act of 2002 refers to an ‘Advanced’ Electronic Signature (AeS) and is the only type of electronic signature that is recognised as legally acceptable.

The partnership with ARX offers our customers a legally compliant solution for digitally signing documents which can then be seamlessly integrated with their Electronic Document Management system,” says Van der Merwe.

He explains how it works: “There are three areas in which the technology ensures compliance, which we refer to as the three ‘I’s’: intent (to sign), identity (of the signer) and integrity (of the document). After a person electronically signs a document the content of the document is protected. If changes are made to the signed document, the signature will no longer be valid.”

“Digital signatures have become increasingly necessary in today’s international and local business world, as companies strive to automate and streamline their systems.

These include local government and financial services businesses, one of which has been able to reduce their customer on-boarding process from a time-consuming paper-based system taking 5 to 7 days down to 40 minutes.
CoSign Click therefore provides a slick alternative to what has historically been a paper-intense and inefficient process. This requires no printing or scanning, does not waste time, and essentially provides an end-to-end solution which completely digitises the customer on-boarding process.
“Form-filling can be a very cumbersome process, for both companies and their customers. In the light of this, our collaboration with ARX offers South African businesses very real and tangible benefits. We offer companies a quick, safe and efficient system that we believe will transform the way in which many organisations interact with their customers – which in South Africa has historically been a very paper-based business culture.

“Pitney Bowes SA has helped companies for many years to enhance their customer communications capabilities. Part of Pitney Bowes Incorporated – the global business solutions provider – Pitney Bowes SA is at the leading edge of digital signature technology in this country,” Van der Merwe concludes.

ENGINEERING NEWS – ‘Signed and Sealed’ at the ‘click’ of a button: Pitney Bowes introduces ground-breaking digital signature technology

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Electronic Signatures in South Africa
Article by: ENGINEERING NEWS
Edited by: Creamer Media Reporter

ENlogoPitney Bowes South Africa, a leading provider of customer communication solutions, in partnership with ARX Cosign, the market leader in digital signature technology, has launched a powerful, integrated solution which streamlines and digitises document signing processes. This new, ground-breaking technology – called ‘CoSign Click’ – is set to revolutionise how companies ‘on-board’ new customers. This is achieved through the elimination of the cumbersome and time-consuming manual process of printing out forms, signing in pen, scanning and uploading or emailing the document.

Leon van der Merwe, Business Development Manager at Pitney Bowes South Africa, explains: “Co-Sign Click is a digital signature solution which enables a company’s customers to sign on-line documents and forms electronically without them requiring a digital signature or any hardware signing device. “Until now, signing electronically with a digital signature was only available to licensed subscribers of digital signature applications. This new technology is great news for companies requiring customers to provide a once-off signature on a document or form.” Pitney Bowes is the first company to introduce CoSign Click to South Africa, and is excited to introduce the numerous benefits of digital signature technology to local businesses. “In South African law there are certain statutes that require a signature before a document can be considered valid. If this signature is to be applied electronically, the Electronic Communications and Transaction Act of 2002 refers to an ‘Advanced’ Electronic Signature and is the only type of electronic signature that is recognised as legally acceptable.

The partnership with ARX offers our customers a legally compliant solution for digitally signing documents which can then be seamlessly integrated with their Electronic Document Management system,” says van der Merwe. He explains how it works: “There are three areas in which the technology ensures compliance, which we refer to as the three ‘I’s’: intent (to sign), identity (of the signer) and integrity (of the document).  After a person electronically signs a document the content of the document is protected. If changes are made to the signed document, the signature will no longer be valid.” “Digital signatures have become increasingly necessary in today’s international and local business world, as companies strive to automate and streamline their systems.
Customer on-boarding process: from 7 days to 40 minutes
These include local government and financial services businesses, one of which has been able to reduce their customer on-boarding process from a time-consuming paper-based system taking 5 to 7 days down to 40 minutes. CoSign Click therefore provides a slick alternative to what has historically been a paper-intense and inefficient process.  This requires no printing or scanning, does not waste time, and essentially provides an end-to-end solution which completely digitises the customer on-boarding process. “Form-filling can be a very cumbersome process, for both companies and their customers. In the light of this, our collaboration with ARX offers South African businesses very real and tangible benefits. We offer companies a quick, safe and efficient system that we believe will transform the way in which many organisations interact with their customers – which in South Africa has historically been a very paper-based business culture.

Pitney Bowes SA has helped companies for many years to enhance their customer communications capabilities. Part of Pitney Bowes Incorporated – the global business solutions provider – Pitney Bowes SA is at the leading edge of digital signature technology in this country,” van der Merwe concludes.

ee publishers – Digital signatures with one click

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August 6th, 2014, Published in Articles: EngineerIT

by Hans van de Groenendaal, features editor, EngineerIT

New, ground-breaking technology – called “CoSign Click” – is set to revolutionise how companies “on-board’” new customers. No cumbersome and time-consuming manual process of printing out forms, signing in pen, scanning and uploading or emailing the document.

Leon van der Merwe – Business Development Manager

Co-Sign Click is a digital signature solution which enables a company’s customers to sign on-line documents and forms electronically without them requiring a digital signature or any hardware signing device “Until now, signing electronically with a digital signature was only available to licensed subscribers of digital signature applications,” said Leon van der Merwe, business development manager of Pitney Bowes, the first company to introduce CoSign Click to South Africa.  “This new technology will be a boon for companies requiring customers to provide a once-off signature on a document or form.”

In South African law there are certain statutes that require a signature before a document can be considered valid. If this signature is to be applied electronically, the Electronic Communications and Transaction (ECT) Act of 2002 refers to an “advanced” electronic signature (AeS) and is the only type of electronic signature that is recognised as legally acceptable.

“We have partnered with ARX, a leading provider of digital signatures, to offer a legally compliant solution for digitally signing documents which can then be seamlessly integrated with an electronic document management system.”

There are three areas in which the technology ensures compliance: three “I”s: intent (to sign), identity (of the signer) and integrity (of the document).  After a person electronically signs a document the content of the document is protected. If changes are made to the signed document, the signature will no longer be valid. Digital signatures have become increasingly necessary in today’s international and local business world, as companies strive to automate and streamline their systems. CoSign Click provides a slick alternative to what has historically been a paper-intensive and inefficient process. “No printing or scanning, just a digital process”, said van der Merwe .

CoSign is said to be the most widely used digital signature solution. In 2013 it was recognised as “the strongest digital signature solution” in the Forrester Wave: E-Signatures report. Millions of people at large enterprises, SMBs, governments and cloud services around the world use CoSign every day on their computers and mobile devices to easily add secure digital signatures to documents in Word, Excel, PDF, SharePoint, OpenText, Oracle, Alfresco, Nintex, K2, and many other applications and file formats.

CoSign Click is an add-on component to collect digital signatures from partners, customers and other external parties. Documents that need to be signed are exported directly from existing workflows and securely sent to any external party from the CoSign Click interface. A web-based mobile-ready application is used to sign the document and back directly into the sender’s document management system.

View original article – ee publishers:

http://www.ee.co.za/article/digital-signatures-with-one-click.html

EngineerIT

A ground breaking digital signature technology that enables your customers to sign electronically.

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CoSignCollabPBA digital signature solution that enables your customers to sign your online documents and forms electronically without them already having a digital signature or any hardware signing device.

 What’s all the excitement about?

Up until now, signing electronically with a digital signature was predominantly only available to licensed subscribers of digital signature applications and not to external customers whom are required to sign digital forms and documents, once-off. This is largely due to the cost associated with digital signatures and “on the fly” digital signatures not being available to a person that is not identified and linked to an established digital signature account.

With the new Cosign Collab service, you enable the customer to once-off sign the form or document electronically with a digital signature using the organisation’s license. The system establishes essential confidence and compliance in the signature with three key areas (the three I’s) when issuing the digital signature.

1. Intent to sign

Intent to sign is established through communication that requires action. Once the signer has opted by action to continue with the process, intent is established and the signing process is activated.

2. Identity of the signer

The Identity of the customer is established through various electronic communication methodologies. Existing account holders’ data can also be used in our identification methodologies. A combination of Email and mobile OTP (One time password) technologies are used to grant access to the document and digital signature.

3. Integrity of the document

After a user electronically signs the document with their issued digital signature, the content of the document is protected. If any changes are made to the signed document, the signature will no longer be valid. The validity of the digital signature and the integrity of the document can be verified by anyone using free Adobe PDF reader, no need for any additional software or licenses.

What does this mean for business?

Lets assume that you are a financial institution that requires a customer to fill out a form to apply for credit. There are generally three major processes that follows. The applicant fills out the form, prints a copy, signs it and scans it back before uploading or Emailing it. The organisation then processes the application and if successful a final agreement is drawn up that the applicant must sign. This is generally Emailed and the process of printing, signing, scanning and Emailing is repeated. In some instances the applicant is even expected to make his way into a branch to sign on paper.

With pbVerify’s CoSign Collab, this entire process is digitised. No paper, printing, signing and scanning of the document and no need for the document to be emailed or uploaded at any stage.

CoSignCollabPB

pbVerify CoSign Collab

Learn more about the CoSign digital signature solution

Please contact Leon van der Merwe on 011 516 9400 for more information or to book a product demo.

Author: Google

A Smarter Way to Onboard Customers – Digital onboarding

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Does your business processes still require customers to fill out paper forms? If your answer is yes, we have good news for you.

It is estimated that more than 95% of businesses still use paper and print somewhere in the customer onboarding cycle.

digital onboarding

digital onboarding

Let us energise the process and impress your new prospective customers.

What’s happening in practice:

By emailing your client a Word or PDF application type document (even dynamic ones), you are unknowingly annoying your new prospective customers at a stage where you should be impressing them. In most cases after your customer receives the document, the following happens;

  1. Email received – attachment opened
  2. Document is printed on paper
  3. Document is filled in by hand
  4. Document is signed
  5. Document is scanned
  6. Scan is attached to email and email is sent.

 

Back at home:

Once this document is received back, the information now needs to be captured and verified and often printed, signed, scanned and emailed again.

 

Jump start efficiency

The pbVerify digital Onboarding solution changes this expensive, inefficient, labour intensive and time consuming process into a slick, streamlined process that will impress your customers;

  1. The customer is directed to an online onboarding form.
  2. The customer electronically completes the form, attaches any accompanying documentation.
  3. Submit

 

Back at home:

All information is electronically written to your ERP/ ECM/ CRM or other system for automated processing.

 

No printing, no hand written documents, no scanning no capturing and  no time wasted.

 

Intelliforms:

We also build in automated intelligence that enables the form to;

  1. Verify the Identity against Home Affairs and auto-populate only the verified data to the form
  2. Auto-populate client address and telephone number
  3. Run automated credit check
  4. Digital and electronic signing solutions
  5. Automated data flow

 

Please contact us on 011 516 9400 for more information or to book a product demo.

Advanced electronic Signature (AeS) solutions in SA – a new partnership offers more benefits to the local market

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consumer_creditPitney Bowes  recently partnered with digital signature leader, ARX, in order to offer a powerful, integrated solution to assist South African organisations in improving efficiencies, lowering their operational risk and become POPI (Protection Of Personal Information Act) compliant.

The new partnership now gives SA companies the ability to modernise most of their legal signing processes.

Cumbersome, legal signing processes that are time consuming and face many geographical challenges are now as easy as 1-2-3. Legal signing processes like client on-boarding processes, minutes of board meetings, electronic contracting and many more can now be done with a legally accredited, high assurance Advanced Electronic Signature.

“Gone are the days of having to put pen to paper when signing legal documents” says Leon van der Merwe, Business development manager at Pitney Bowes SA

Not only have Advanced electronic Signatures (AeS) become increasingly popular in recent years as many organisations choose to digitise and automate their business systems, but in South Africa it has become a compliance necessity.

In the South African law there are certain statutes that require a signature before a document can be considered valid. If this signature is to be applied electronically, the Electronic Communications and Transaction (ECT) Act of 2002 refers to an ‘Advanced’ Electronic Signature (AeS) and is the only type of electronic signature that is recognised as legally acceptable.

“The partnership with ARX offers our customers a legally compliant solution for digitally signing documents which can then be seamlessly integrated with their Electronic Document Management system,” says van der Merwe.

“ARX are thrilled to be working with Pitney Bowes. As ECM experts who can advise on both strategy and implementation, they fully complete the services we currently offer our clients. By combining ECM solutions with workflow systems and digital signatures, organisations can dramatically improve the efficiency and effectiveness of their core business processes,” says Raanan Dahari, VP of Sales EMEA at ARX.

About CoSign by ARX

CoSign by ARX is the most widely used digital signature solution with millions of signers at security-minded businesses, governments and cloud services around the world. CoSign was recognised by Forrester Research as “the strongest digital signature solution” in the Forrester wave: E-Signatures, Q2 2013 report.
CoSign, which is available both on-premises and in the cloud, ca be used on any device to easily and securely sign documents in Word, Excel, PDF and many other file types. Its scalable engine can be seamlessly integrated into any document-related workflow, application or service, so that customers retain complete control over their IT/business environemtns.
Our customers use the flexible CoSign solution to quickly create highly efficient signature-dependent processes that considerably lower their paper-related costs. They also use it to ensure full compliance with strict industry regulations, country-specific legislation and exacting technical standards.

Learn more about the CoSign digital signature solution

Please contact Leon van der Merwe on 011 516 9400 for more information or to book a product demo.

Author: Google

What Does the New Credit Amnesty Law Mean for You?

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Credit Amnesty

Credit Amnesty

One 1 April 2014 the hotly debated New Credit Amnesty Law will become enforced in South Africa – this is according to the Consumer Goods Council of South Africa. The financial industry has offered fierce opposition for the law since it says that it will increase lender’s risk while at the same time increasing the cost of credit. The reasons for this range from being unable to source reliable credit information from consumers to being unable to trust inaccurate credit bureau reports. However, a watered down version is about to come into effect.

It will have implications for millions of South Africans and will change the way the financial industry will be able to vet potential credit applicants.

An overview of the bill includes directing credit providers to conduct more comprehensive affordability assessments on prospective consumers applying for credit. It will also require credit providers to use discretionary income guidelines when considering extending credit. Creditors will also need to prove that consumers have the discretionary income that they claim. This aims to help to protect borrowers against aggressive lending from financial institutions.

Why a New Credit Amnesty?

The South African government wants as many credit active consumers to have access to credit. Currently, 9.5 million South Africans have an adverse credit status. This is just shy of half of credit active South Africans. The government provided the following motivations for bringing into effect the new Credit Amnesty Law:

• Availability of credit is a key enabling mechanism for development and investment;
• A failure to make available widespread access to credit will often result in loss of opportunity to entrepreneurs as well as the wider economy;
• Inaccessible and expensive credit hinders growth; and
• Credit spurs on consumer spending, which is a key driver of economic growth, among other reasons.

Benefits to the Consumer

Through the new Credit Amnesty Law, the government wants to:

• Reduce credit impairment by addressing its causes;
• Remove the barriers to credit and assist those consumers who are able to afford credit to access it;
• Achieve the goals of the National Credit Act;
• Reduce over pricing of credit; and
• Remove barriers to employment, among others.

In the past blacklisted consumers needed to approach the courts to have their names cleared from adverse listings on credit bureaus. This legal process which involves the courts was time consuming and expensive for consumers. The law seeks to redress these difficulties and make it easier for consumers to have their adverse listings removed from credit bureaus without expensive court proceedings.

Your credit information is continuously gathered by credit bureaus from various sources that have extended you credit. These include lenders, banks, retailers, landlords and employers, among many others. At pbVerify we realise that as an active credit consumer you need to know your credit status and have a complete picture of your credit score and credit history.

The MYpbVerify premium credit report will consider all possible influences that exist on your credit rating and combine it into a single and easy to read credit check report. You will be able to form a complete picture of your credit status and history in the market and see what prospective lenders see when they consider your credit application. Contact pbVerify to learn more about many value-adding services.

*Sources:

The Consumer Goods Council of South Africa
Author: Google

Before you extend a line of credit, check the consumer’s credit report with pbVerify

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pic2Due to recent reports that millions of people in South Africa are in debt, it’s critical that lenders check each applicants’ credit score in order to mitigate risk and avoid making a bad business decision. With pbVerify you’ll get access to consumer credit reports, be able to access applicants’ credit health and have all the information available to assist you in making smart business decisions.

What type of businesses can benefit from using pbVerify?

  • Credit grantors – Any Business selling on account. Check the credit worthiness  of each applicant and use it as as risk management tool, whether you’re lending to an individual or to another business.
  • Trace agents – In order to locate consumers who have defaulted, pbVerify gives you access to more than 30 million consumer records and our services are widely used by thousands of trace agents.
  • System integrators – In order to verify the identity of consumers in the retail and HR industries, use our ID API services and get full and complete Home Affairs information.
  • Estate agents and letting companies – Our credit check and deeds search services are widely used to assess prospective renters and to obtain information on property owners in South Africa.

»» More – How it works

Managing risk and properly assessing credit applicants is a vital part of any business that lends money to individuals or to other businesses. When you register with pbVerify you’ll be able to make smarter business decisions, protect your company and get the full and complete information on specific consumers before deciding on a plan of action.

For more information on obtaining a credit report from pbVerify please contact us today. We look forward to hearing from you!

How your business can benefit from consumer credit checks from pbVerify

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pic6All businesses need to be able to manage risk when it comes to lending credit to consumers and consumer credit checks from pbVerify can help your company make smart business decisions. This is especially important for small businesses that can’t afford to take large risks and that can’t afford to become victims of fraud; it’s important to always ensure that you know who you are dealing with.

What types of businesses can benefit from consumer credit checks?

  • Lending companies that extend lines of credit to consumers for big purchases such as cars, homes, education and more.
  • Banks, whether large or small, can benefit from ensuring they have the most accurate and up-to-date information about each consumer.
  • Letting agents and property rental companies. Before agreeing to let a property to someone or if you need to know if potential tenants have a history of defaulting on credit payments.

Consumer credit checks can provide you with a range of information including a complete consumer profile, judgments and defaults, fraud listings and indicators, marital status and spouse details, employment details and more. Before your business enters into any type of credit arrangement with an individual or another business, ensure you’ve obtained every bit of information that may affect your decision.

At pbVerify our goal is to help businesses manage risk and avoid potentially harmful business decisions. Risk and Debtor Management are critical facets of your business’s operation and without them, you may be opening up yourself to taking on risky creditors. For more information on obtaining consumer credit reports from pbVerify please contact us today. We look forward to hearing from you!

Author: Google

Online deeds search for estate agents with pbVerify

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estatepbVerify is the perfect tool for online deeds searches for estate agents. Keeping up to date with the most current and accurate information regarding land registration is an important component of an estate agent’s job, and pbVerify was designed to make that job quick and efficient. Our search system is user-friendly and registration is free – once registered, you only pay per search instead of paying a monthly fee.

Three reasons pbVerify is ideal for online deeds searches for estate agents:

  1. It’s easy to use. pbVerify has an incredibly user-friendly web interface, and we make it simpler than ever before to find information about the individual or company you are looking for.
  2. Our database not only provides you with deeds information, you’ll also have access to a credit search and Trace and CPIC company information.
  3. Get accurate results instantly. One of the best things about using pbVerify is you don’t have to wait to get the information you need about land registration or deeds. With a few quick clicks of the mouse, you’ll have the accurate results you need right on your screen.

If you own a real estate business, sign up with pbVerify and take advantage of our incredible services today. Our online deeds search covers registration offices in Pretoria, Johannesburg, Bloemfontein, Cape Town, Kimberley, King Williams Town, Pietermaritzburg, Umtata and Vryburg and the information originates from the South African Deeds Registration database.

As an estate agent, you’re undoubtedly busy and don’t have time to be making phone calls, filing paperwork and requesting deed information via post or fax. You need a simple, quick and efficient online deeds search tool that gives you the information you need, when you need it, which is why pbVerify is the perfect tool for online deeds searches for estate agents.

To learn more about pbVerify and how it can benefit you, please visit our website or contact us today.

Back to online deeds search for estate agents

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Are cash-strapped consumers affecting your business’s credit risk?

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Know your customer by investing in an online credit check, consumer trace and ID verification tool

Know your customer by investing in an online credit check, consumer trace and ID verification tool

Whether you earn a salary, run a business or are in charge of risk management services for your company – you probably know that people are increasingly strapped for cash. Even though the dreaded January has passed (where people are usually a bit more broke than usual thanks to over-spending during the holiday season), it seems like many South Africans are still struggling to keep their heads above water. Why?

According to the latest TransUnion Consumer Credit Index (CCI), consumer credit health deteriorated at a slower pace in the fouth quarter of 2013 than in the previous four quarters, but it is still under pressure. This, coupled with rising food and petrol prices (as well as the hike in interest rates that was announced towards the end of January), means it’s not surprising that people are struggling to pay their bills.

“Unsecured loan approval rates have moderated, indicating that credit grantors are generally applying a more conservative approach to mitigate their risk and have, for now at least, been able to stabilise their loan defaults. Much will depend on whether overall economic growth and pressures in the job market stabilise in 2014, and this is far from certain at this point,” commented Transunion CEO, Geoff Miller.

In order to minimize your business’ financial risk, you need to know exactly who you’re dealing with before you process a transaction or extend a line of credit, explains Leon van der Merwe, Business Development Manager at local credit check company pbVerify.

Know your customer by investing in an online credit check, consumer trace and ID verification tool

“Fin24 recently reported that in aggregate, consumers haven’t been able to reduce their credit card utilisation since 2010. If your company relies on payments from South African consumers – which most do – it would be wise to invest in a fool-proof ID verification and online credit check tool so that your employees can make sure they are dealing with clients that would be able to honour their commitment of repaying any outstanding debt, fees or bills to your company,” explained van der Merwe.

pbVerify’s online credit check system allows you to know your customer by giving you 24.7 access to current Consumer and Business credit information. Whether you need to verify the identities of consumers, do background credit checks on consumers and/or businesses, verify company and director registration detail, verify VAT registrations, verify Deeds information on properties or need to do pre-employment and academic background verifications, pbVerify does it all. The best part is that pbVerify is one of the most cost-effective solutions in South Africa, giving you the option to only pay for what you use (as well as the ability to process bulk consumer traces).

You can also, follow us on Twitter and Like us on Facebook to stay updated with all the news and new solutions here at pbVerify.

Author: Google

pbVerify™ launches brand new website

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pbVerify Website

New pbVerify Credit Bureau System Website

Are you ready to get instant access to all the online tools your business needs for effective credit risk management? To know your customer is to know your future. With pbVerify, you now have 24/7 access to current Consumer and Business credit information.

Whether you need to verify the identities of consumers, do background credit checks on consumers and/or businesses, verify company and director registration detail, verify VAT registrations, verify Deeds information on properties or need to do pre-employment and academic background verifications, pbVerify does it all.

Renowned information systems company, Pitney Bowes SA, is proud to launch pbVerify – an all-new website platform that gives you instant, 100% free access to the popular pbVerify business risk management system.

A simple, easy –to-use, yet effective web-based system for any size company.

pbVerify for Business

Through pbVerify business, you have instant access to data from:

  1. TransUnion Credit Bureau
  2. Experian Credit Bureau
  3. Compuscan Credit Bureau
  4. XDS Credit Bureau
  5. Companies and Intellectual Property Commission (CIPC)
  6. Deeds Registrar
  7. Department of Home Affairs ID verification
  8. South African Revenue Services (SARS) VAT verification
  9. REFCheck Advanced pre-employment academic verification services

MypbVerify for you personally

Our online personal credit report system, MypbVerify gives you access to your latest personal credit report and CompuScore which can be customised to include different information, depending on the info you’re looking for.

These reports include detailed information about your credit history, account payments, loans, credit bureau adverse listings, judgements and fraud indicators. The premium report also includes all your directorships at CIPC and detailed deeds information on properties you own.

Office efficiency solutions for your businesses:

Not only does pbVerify offer all the online credit risk management tools you will ever need, we now also offer specialised office software solutions to effectively manage the workflow and documents in your business.

Our Electronic document management systems, digital signature solutions and electronic forms solutions will change the way you do business by removing inefficiencies and introducing effective workflow that will immediately be visible in your bottom line profits and service delivery.

Visit our brand new website that is packed with all the information you need

We know this is a lot of information to process, so its best that you browse through our new website located at www.pbverify.co.za to find out how we can help you.

You can also, follow us on Twitter and Like us on Facebook to stay updated with all the news and new solutions here at pbVerify.

Author: Google

 

pbVerify launches new high value, low cost online B2B commercial Company credit check report

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Company credit check report for under R100.00

SME Credit Business Credit Check

SME Credit Business Credit Check

All business owners have come to realise the importance of knowing the credit status of the businesses and principles of the businesses they do business with. Before the launch of pbVerify’s new credit bureaux business-to-business (B2B) commercial credit check reports, these facilities were costly and not within the reach of smaller businesses, especially those who grant lower monthly credit amounts to other businesses. pbVerify have developed the perfect online business credit check tool that not only suits the budget of smaller businesses, it also gives accurate, up to date credit bureaux and Companies and Intellectual Property Commission (CIPC) data on businesses and the principles of businesses to all users of the pbVerify online system.

The new pbVerify Company credit report includes the following information;

  • Comprehensive CIPC Company registration information
  • Comprehensive CIPC Directors information
  • Director’s consumer credit check summary – A snap-shot overview of all the Directors personal credit statuses (Defaults, Judgements, Adverse Accounts etc.) with the facility to click and drill deeper into a full consumer credit check on any Director
  • List Company Auditor information
  • List Properties owned by Company – Comprehensive Deeds Office Registration information
  • List of Company Bonds
  • Company Judgements

To add more value to the proposition, pbVerify also launched another business-to-consumer (B2C) consumer credit check report to the existing suite of consumer credit bureaux products. This report takes an in-depth look at the credit status of the individual person and also features CIPC, Deeds office (property) and fraud alerts to the regular credit bureaux data for a mere R30.00 per report.

The launch of these new products coincide the inclusion of South Africa’s third largest credit bureaux, Compuscan into the existing range of credit bureaux products. pbVerify customers now have direct, instant access to the following credit bureaus and other business data providers through one online system;

  • TransUnion (ITC) credit bureaux
  • Experian credit bureaux
  • Compuscan credit bureaux
  • XDS credit bureaux
  • National Deeds Office
  • Companies and Intellectual Property Commission (CIPC / CIPRO)
  • Department of Home Affairs
  • South African Revenue Services (SARS)
  • RefCheck Academic verification service.

Know your customer
Credit risk management and Know your customer (KYC), lingo previously only used by risk managers of large enterprises has become critical elements of successfully running any business, any size. pbVerify provides all the information necessary for financial managers and business owners to make informed and intelligent credit risk decisions.

For more info, please visit pbVerify or contact us on 011.516.9400 or send an Email to support@pbverify.co.za

CIPC business search tool

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CIRP searchPeople looking for a CIPC (CIPRO) business search tool are usually looking for one of three things: information about a company, information about a director (or directors) of a company, or SARS VAT information.

In order to verify business registration information, the accuracy of VAT numbers as well as statutory and non-statutory Directors’ information, you need a reliable CIPC (previously known as CIPRO) business search tool.

What is CIPC?

The newly formed Companies and Intellectual Property Commission (CIPC) was established through the amalgamation of the Office of Companies and Intellectual Property Enforcement (OCIPE) and the Companies and Intellectual Property Registration Office (CIPRO). The main functions of CIPC include registration Co-operatives and Intellectual Property Rights (trademarks, patents, designs and copyright); Licensing of business rescue practitioners; Monitoring compliance with and contraventions of financial reporting standards, and so forth.

As you can tell, CIPC holds all the information to companies, their directors and official VAT information. The challenge, however, is finding the right information within a short amount of time. This is where pbVerify comes in.

When you sign up and use pbVerify’s CIPC business search tool, you can easily search by company name (or part thereof), company registration number, a director’s name or ID number in order to obtain all the relevant information you need. Find everything from the business’ registration number and SIC Code to auditor’s information and contact details and the physical address of the director of a company you’re researching.

Finding the accurate business information you need has never been easier thanks to pbVerify. Find out more about our CIPC business search tool now.

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Contact us on 011.516.9400 or send an Email to support@pbverify.co.za

How pbVerify Business Credit Check can help your business with risk assessment and risk management

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riskBusiness Credit Check from pbVerify is a must-have tool for any business owner who wants to make smart, informed decisions that best benefit their company or organisation. Risk assessment and managing your credit risks are two important components of being a business owner – it’s critical that you have the ability to make good decisions when assessing new debtors.

If you want to take an active role in protecting your business against bad debt, Business Credit Check is here to help. We do all the research and provide you with all the information you need to move forward.

pbVerify Business Credit Check explained in 3 simple steps: 

  1. We do the digging. It’s necessary to dig deep and uncover everything there is to know about who you are potentially going into business with. pbVerify will provide you with data from the Credit Bureau, CIPRO and SARS so you can see all the facts and figures on paper. Having all of this information is critical to risk assessment because it allows you to see if any potential business partners have questionable pasts and shady financial histories.
  2. We help you translate the information we uncover with Business Credit Check. There is no point in handing over multiple reports if you don’t understand what’s on the page. Our website has resources that will assist you in understanding exactly what it is you’re looking at and what it could possibly mean for your business.
  3. Now, it’s up to you to make an informed decision. Once you have all of the necessary information at your disposal, you can better manage and evaluate the risk involved when assessing new debtors. Making a business decision without having complete information is unwise, especially in the ultra-competitive business environment we live in today.

To learn more about Business Credit Check from pbVerify and to understand how it can help your business manage and assess risk, visit our website today!

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Contact us on 011.516.9400 or Email support@pbverify.co.za and we will contact you.

How the deteriorating credit health affects South Africa’s retail sector

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TransUnion’s Consumer Credit Index has declined to 43.6% in the second quarter of 2013 from 43.8% in the first quarter of the year. TransUnion, which is an international leader in credit and information management, says that this drop in the Consumer Credit Index (CCI) reflects a deteriorating consumer credit health. According to TransUnion, “Credit Health” refers to the ability of consumers to service existing credit obligations within the constraints of monthly household budgets.

retail“The fall in the CCI reflects escalating consumer loan impairments and sustained growth in distressed borrowing, both indicators of rising household financial stress,” explained TransUnion in a statement to the press.

What is the Consumer Credit Index?

The CCI is a unique indicator of consumer credit health based on a 100-point scale. Deterioration in credit health is represented by an index below 50.0 and an index above 50.0 indicates improving credit health.

“Consumer credit health has now been deteriorating for four straight quarters and the risk of deterioration in the credit cycle has risen materially,” commented TransUnion Africa President, Geoff Muller.

“Credit-sensitive retail sectors need to become increasingly vigilant to the risks this trend poses to their business,” said Muller.

How pbVerify can help

pbVerify, an innovative web service, is already helping many companies in the credit-sensitive retail sector. Our consumer tracing, credit check, ID verification and business credit check tools make it quick, affordable and easy to do the thorough research that is needed before taking on new clients.

“In a tough global economy, it becomes even more important for retailers to mitigate risks. A deteriorating consumer credit health – while not permanent – shows that companies need to be more vigilant with regards to issuing credit and making sure they’re on top of all consumer repayments,” says Leon van der Merwe, Business Development Manager and Anti-Fraud specialist at pbVerify.

If you want to find out how pbVerify can help your business mitigate risks, contact us today. We’ll give you a demonstration on how our system is helping hundreds of other South African businesses.

 

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How pbVerify aids SME companies in South Africa with Risk assessment and Risk management

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risk2As a business owner you know that smart risk assessment is a huge part of what makes you successful. Knowing who to do business with and who to avoid is critical and in order to make an informed decision it’s essential that you have access to the complete information. When you enlist the services of pbVerify you’ll get quick and complete information you need that allows you to decide whether it’s worth the risk or not.

Simply visit pbVerify, register and you’ll be on your way to reports that assist you with managing the risk of doing business. Nowhere else to be found, registration is 100% free, you pay no monthly fees (you pay per search) and no software installation is required, only an Internet connection is  needed.

pbVerify is an ideal choice for:

  • Credit grantors. If you’re a business that grants credit accounts to other businesses or consumers, get a full report on a potential client’s credit history before making the decision to grant them additional credit. You always want to know who you’re doing business with.
  • Home loan companies. Want to ensure you aren’t granting a home loan to someone with a sordid financial past who will just disappear, leaving the burden of the debt on you? pbVerify will allow you to view a potential grantee’s financial information and make an informed decision.
  • Micro-lenders. Even companies that solely grant small loans need to be certain that their borrowers are responsible, reliable and plan to pay back the loan. Before you sign that paperwork, run a potential borrower’s name through pbVerify and get an idea of who it is you’re dealing with.

Our goal is to give SME businesses tools to protect themselves and to make informed business decisions involving risk assessment. Unfortunately, many business owners fall prey to scam artists, fraudsters and flat out dishonest individuals and businesses.

pbVerify arms you with the information you need to protect your business.

Back to risk assessment with pbVerify data bureau for Business or speak to a consultant telepathically on 011 516 9400 today.

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MYpbVerify personal credit check website launches!

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Your trusted name in credit bureau data systems, pbVerify is proud to launch the new online personal credit check website, MYpbVerify™ for private consumer credit reports. If you live in South Africa and want a secure, discreet and fast way to get your credit report, this is it!

MYpbVerify Girl

pbVerify and MypbVerify – Personal and Business Credit check

As the local leader in customer communication technologies, Pitney Bowes is excited to be able to launch this newly developed tool to the market.

Here’s what you need to know:

Your credit information is gathered by credit bureaus on a regular basis from various sources that have extended you credit. Retailers, banks, lenders, employers, landlords, and other credit providers have access to your credit records to assist them with credit risk management in deciding whether to grant you further credit, a loan, a credit card, new employment, housing, or to offer you new products and services.

As a consumer it is critical for you to know your credit status and always have a complete picture of your credit history and credit score.

The MYpbVerify™ premium credit report considers all possible influences that may exist on your credit rating and combines it into one, easy to read credit check report that gives you a full picture of your credit history and credit status in the market.

Basic, Standard and Premium Reports:

MYpbVerify™ not only gives you instant online access to your personal CREDIT REPORT, it allows you to customise your credit report with variable information and pricing options to choose from.

Depending on your status and credit history, you have the option to choose from a Basic credit report to more advanced options in the Standard and Premium reports that will include Directorship information, Deeds (properties owned) data, your personal Compuscore rating and more…

The most versatile personal credit check on the Net!

Contact our support line on 011 516 9400 or visit MYpbVerify today!