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	<title>Apple Business Chat Archives - #1 in Conversational Banking — Chatbots.Studio</title>
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	<description>Digital transformation for banking products in conversational channel. Chatbots for banks development. Digital Bank in Apple Business Chat, Google Business Messages, WhatsApp, Messenger, Viber, Telegram, Line, WeChat and other messengers</description>
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	<title>Apple Business Chat Archives - #1 in Conversational Banking — Chatbots.Studio</title>
	<link>https://bank.chatbots.studio/tag/business-chat/</link>
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		<title>Apple Business Chat (iMessage) for Banks: An Upward Trend in Mobile Banking</title>
		<link>https://bank.chatbots.studio/blog/apple-business-chat-imessage-for-banks-an-upward-trend-in-mobile-banking/?lang=en</link>
		
		<dc:creator><![CDATA[Igor Luzhanskiy]]></dc:creator>
		<pubDate>Thu, 02 Jul 2020 07:05:20 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Apple Business Chat]]></category>
		<category><![CDATA[Retail banking]]></category>
		<guid isPermaLink="false">https://bank.chatbots.studio/?p=1509</guid>

					<description><![CDATA[<p>Apple Business Chat for banking is a mobile banking trend that will continue to grow in 2020. Business Chat is...</p>
<p>The post <a href="https://bank.chatbots.studio/blog/apple-business-chat-imessage-for-banks-an-upward-trend-in-mobile-banking/?lang=en">Apple Business Chat (iMessage) for Banks: An Upward Trend in Mobile Banking</a> appeared first on <a href="https://bank.chatbots.studio">#1 in Conversational Banking — Chatbots.Studio</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p>Apple Business Chat for banking is a mobile banking trend that will continue to grow in 2020. Business Chat is a new communication platform that allows businesses to communicate with customers through iMessage, and customers can quickly chat with the bank using native Apple applications. In the article, we will consider how Business Chat works, what bank operations could be delegated to iMessage and implementation cases in major banks in the US, Russia, Ukraine, Belarus and Africa.</p>



<h2 class="has-text-align-center wp-block-heading">Russian banking applications popularity on iOS and Android</h2>



<p>Application quality and banking mobile apps popularity on the App Store and Google play platforms is always different, as indicated by the number of reviews on the platforms and user ratings. Chatbots.Studio analyzed the top 10 free banking applications on the App Store in Russia and compared them with similar applications on Google play based on <a href="https://www.appannie.com/apps/ios/top-chart/?country=RU&amp;category=6015&amp;device=iphone&amp;date=2020-06-29&amp;feed=Free&amp;rank_sorting_type=rank&amp;page_number=0&amp;page_size=100&amp;table_selections=">data</a> from AppAnnie on 06.27.2020.</p>



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<p>On the table, we see that the user ratings on iOS are on average lower than on Android, and on some applications, iOS user rating is between 3.1-3.3. In addition, we see that the number of reviews of banking applications on the App Store is 17% more than on Google play. It is worth noting that among the top 10 bank apps on Google play there are apps like Telecard 2.0 from Gazprombank, MTS Bank Online from MTS Bank, Mobile Bank from Russian Agricultural Bank Russian Agricultural Bank. In general, we see several things &#8211; the uneven customer reviews distribution, which indicates the banks’ emphasis on a particular platform and the subsidence of the quality of banking apps for IOS. Below we will see how to deploy a service for iOS users without creating a mobile app.</p>



<h2 class="has-text-align-center wp-block-heading">What is Apple Business Chat</h2>



<p><a href="https://thefinancialbrand.com/42083/apple-pay-mobile-payments-banking-impact/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">Creating </a>a bank network that supports Apple Pay in 2014, Apple entered into <a href="https://thefinancialbrand.com/42083/apple-pay-mobile-payments-banking-impact/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">agreements </a>with the 6 largest banks of America &#8211; American Express, Bank of America, Capital One Bank, Chase, Citi, and Wells Fargo. Thus, Apple, with the help of the US banking market giants, laid the foundation for adapting banking processes to Apple products.</p>



<p>The company <a href="https://www.forbes.com/sites/quora/2017/06/16/what-is-apple-business-chat-and-why-is-it-important/#7e93fd3d19c0" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">announced </a>the creation of Apple Business Chat in 2017. Business Chat is built as a communication platform for IOS owners (iPhone, iPad, Apple Watch and iPod), where they can be redirected to the iMessage (native instant messenger, built-in all Apple devices) in several ways and interact with other native Apple apps like Calendar or Apple Pay.</p>



<p>Ways to send user to iMessage:</p>



<ul class="wp-block-list">
<li>From Apple Maps, </li>
<li>with voice assistant Siri </li>
<li>With Apple Spotlight</li>
<li>With CTA button on a website</li>
</ul>



<p>Using Apple Business Chat is relevant for both small and medium-sized businesses, and for enterprises, without reference to the company industry specialization.</p>



<figure class="wp-block-image"><img decoding="async" src="https://lh3.googleusercontent.com/B-SwQfDphXSYd27QFhLSW0mLwkRSmX37vlFd1ySSB3akaU40kgOwnHmlcYAD09nUdF6cVnwVrnS1ADuY_r8MccLp1s1_ABYOQYeBO8jVAPfk6rx2DKRNpGNSoBZVj4Aal6wB6POj" alt="" /></figure>



<h2 class="has-text-align-center wp-block-heading">Apple Business Chat Opportunities for Banks</h2>



<p>For banks, Business Chat is interested in a security system adapted for conducting payment transactions with Apple Pay and the ability to adapt chatbot processes to the international PCI DSS (Payment Card Industry Data Security Standard).</p>



<p>Apple Business Chat <strong>benefits </strong>for banking:</p>



<ul class="wp-block-list">
<li>no need to install additional applications</li>
<li>receive instant, automatic support responses</li>
<li>planning meetings and visits</li>
<li>customer ability to always return to chat</li>
<li>fast Apple Business Chat chatbot development speed </li>
<li>the technology is available for all countries (via Apple Pay vs local banks <a href="https://support.apple.com/en-us/HT204916" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">partnership</a>)</li>
<li>payment security through Apple Pay</li>
</ul>



<p>Apple Business Chat <strong>features </strong>for banking:</p>



<ul class="wp-block-list">
<li>Customer can connect with the live agent or callback order</li>
<li>Customer can set up appointments directly to Apple Calendar</li>
<li>Customer can define somethings location using Apple Maps</li>
<li>Customer can use Apple Pay</li>
<li>Business can use Rich media content: pictures and video</li>
</ul>



<h2 class="has-text-align-center wp-block-heading">What is Apple Business Chat</h2>



<p><a href="https://thefinancialbrand.com/42083/apple-pay-mobile-payments-banking-impact/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">Creating </a>a bank network that supports Apple Pay in 2014, Apple entered into <a href="https://thefinancialbrand.com/42083/apple-pay-mobile-payments-banking-impact/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">agreements </a>with the 6 largest banks of America &#8211; American Express, Bank of America, Capital One Bank, Chase, Citi and Wells Fargo. Thus, Apple, with the help of the US banking market giants, laid the foundation for adapting banking processes to Apple products.</p>



<p>The company <a href="https://www.forbes.com/sites/quora/2017/06/16/what-is-apple-business-chat-and-why-is-it-important/#7e93fd3d19c0" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">announced </a>the creation of Apple Business Chat in 2017. Business Chat is built as a communication platform for IOS owners (iPhone, iPad, Apple Watch and iPod), where they can be redirected to the iMessage (native instant messenger, built-in all Apple devices) in several ways and interact with other native Apple apps like Calendar or Apple Pay.</p>



<p>Ways to send a user to iMessage:</p>



<ul class="wp-block-list">
<li>From Apple Maps, </li>
<li>with voice assistant Siri </li>
<li>With Apple Spotlight</li>
<li>With CTA button on a website</li>
</ul>



<p>Using Apple Business Chat is relevant for both small and medium-sized businesses, and for enterprises, without reference to the company industry specialization.</p>



<figure class="wp-block-image"><img decoding="async" src="https://lh3.googleusercontent.com/B-SwQfDphXSYd27QFhLSW0mLwkRSmX37vlFd1ySSB3akaU40kgOwnHmlcYAD09nUdF6cVnwVrnS1ADuY_r8MccLp1s1_ABYOQYeBO8jVAPfk6rx2DKRNpGNSoBZVj4Aal6wB6POj" alt="" /></figure>



<h2 class="has-text-align-center wp-block-heading">Apple Business Chat Opportunities for Banks</h2>



<p>For banks, Business Chat is interested in a security system adapted for conducting payment transactions with Apple Pay and the ability to adapt chatbot processes to the international PCI DSS (Payment Card Industry Data Security Standard).</p>



<p><strong>Apple Business Chat benefits</strong> for banking:</p>



<ul class="wp-block-list">
<li>no need to install additional applications</li>
<li>receive instant, automatic support responses</li>
<li>planning meetings and visits</li>
<li>customer ability to always return to chat</li>
<li>fast Apple Business Chat chatbot development speed </li>
<li>the technology is available for all countries (via Apple Pay vs local banks <a href="https://support.apple.com/en-us/HT204916" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">partnership</a>)</li>
<li>payment security through Apple Pay</li>
</ul>



<p><strong>Apple Business Chat features</strong> for banking:</p>



<ul class="wp-block-list">
<li>Customer can connect with the live agent or callback order</li>
<li>Customer can set up appointments directly to Apple Calendar</li>
<li>Customer can define somethings location using Apple Maps</li>
<li>Customer can use Apple Pay</li>
<li>Business can use Rich media content: pictures and video</li>
</ul>



<p>&nbsp;</p>



<h2 class="has-text-align-center wp-block-heading">Apple Business Chat Examples for Banks</h2>



<h3 class="has-text-align-center wp-block-heading">HSBC Bank USA &#8211; Customer support through iMessage</h3>



<p>HSBC Bank USA is a branch bank of <a href="https://en.wikipedia.org/wiki/HSBC_Holdings_plc" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">HSBC Holdings plc</a>, which is in<a href="https://www.statista.com/statistics/727546/market-share-of-leading-banks-usa-domestic-deposits/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)"> the top-20</a> banks of America due to domestic deposits.</p>



<p>According to <a href="https://www.linkedin.com/in/marcus-malcolm/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">Marcus Malcolm</a>, Head of staff digital solutions at HSBC Bank USA &#8211; about 70% of the bank&#8217;s customers are iOS users. Therefore, on April 22, 2020, the bank <a href="https://www.hsbc.co.uk/help/security-centre/apple-business-chat/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">provided </a>customers with customer support in the messenger.</p>



<p>Clients can use a chatbot in <a href="https://www.americanbanker.com/news/hsbc-lets-apple-using-customers-imessage-customer-service" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">several ways</a>:</p>



<ul class="wp-block-list">
<li>Go to the phone number from the search page and select the iMessage option (Apple Chat Suggest technology)</li>
<li>Via Siri</li>
<li>Via Apple Maps (when pop-up locations of HSBC bank appear)</li>
<li>Via Apple Spotlight</li>
</ul>



<p>Apple Business Chat menu consists of sections:</p>



<ul class="wp-block-list">
<li>COVID-19 Account Concerns</li>
<li>Existing Checking</li>
<li>Savings</li>
<li>CD </li>
<li>Online Banking</li>
<li>Mobile App Help</li>
</ul>



<figure class="wp-block-image size-large"><img decoding="async" class="wp-image-1506" src="https://bank.chatbots.studio/wp-content/uploads/2020/07/dbo-dlya-smb-1-1024x555.png" alt="" /></figure>



<p>On June 23, 2020, <a href="https://www.hsbc.co.uk/help/security-centre/apple-business-chat/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">HSBC UK</a>, focused on retail banking, also <a href="https://appleosophy.com/2020/06/23/hsbc-uk-now-supports-apple-business-chat/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">announced </a>access to Apple&#8217;s business chat.</p>



<figure class="wp-block-image"><img decoding="async" src="https://lh3.googleusercontent.com/9eGTDP_B7b80S9ZKivs4pgWnwooGw5Gjoes40riKl986vsAdKCOmWpEjMefAf7sBmnMjHwYQb-gVrHAYpPh8BW-NgNOSxEO_pmSAX6NwdlN3iwnAb_mbZu2H-dFZFPOquzw_-PQz" alt="" /></figure>



<h3 class="has-text-align-center wp-block-heading">Monobank &#8211; quick technical support via iMessage</h3>



<p><a href="https://www.monobank.ua/?lang=en" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">Monobank </a>is a Ukrainian bank, without any branches, serving 2.3 million customers. The main competitive advantage of the bank is <a href="https://monobanking.com.ua/contacts/#:~:text=%D0%A2%D0%B5%D0%BB%D0%B5%D1%84%D0%BE%D0%BD%D1%8B%20%D0%B8%20%D1%87%D0%B0%D1%82%20%D1%81%D0%BB%D1%83%D0%B6%D0%B1%D1%8B%20%D0%BF%D0%BE%D0%B4%D0%B4%D0%B5%D1%80%D0%B6%D0%BA%D0%B8,%D0%BA%D0%BE%D0%BD%D0%BA%D1%83%D1%80%D0%B5%D0%BD%D1%82%D0%B0%D0%BC%D0%B8%20%D1%8F%D0%B2%D0%BB%D1%8F%D0%B5%D1%82%D1%81%D1%8F%20%D0%B6%D0%B8%D0%B2%D0%B0%D1%8F%20%D1%81%D0%BB%D1%83%D0%B6%D0%B1%D0%B0%20%D0%BF%D0%BE%D0%B4%D0%B4%D0%B5%D1%80%D0%B6%D0%BA%D0%B8.&amp;text=%D0%9F%D0%BE%20%D1%82%D0%B5%D0%BB%D0%B5%D1%84%D0%BE%D0%BD%D1%83%200%2D800%2D205,60%20%D0%B4%D0%BB%D1%8F%20%D0%BF%D0%BE%D0%B4%D0%B4%D0%B5%D1%80%D0%B6%D0%BA%D0%B8%20%D0%B7%D0%B0%20%D0%B3%D1%80%D0%B0%D0%BD%D0%B8%D1%86%D0%B5%D0%B9" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">customer support</a>, which is maintained through the bank&#8217;s hotline and application, as well as through chatbots in instant messengers &#8211; Facebook</p>



<p>Messenger, Viber and Telegram. In October 2019, the bank <a href="https://itc.ua/news/v-ukraine-zarabotal-apple-business-chat-pozvolyayushhij-biznesu-obshhatsya-s-klientami-cherez-imessage-pervym-k-nemu-podklyuchilsya-monobank/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">became </a>the first bank to connect to Apple Business Chat in Ukraine.</p>



<figure class="wp-block-image"><img decoding="async" src="https://lh6.googleusercontent.com/DW6uKYnov75NzUYn7y4pE6rCxmmhwCxsoIWKSanMMqUkt69SfjWkdsvX2eK8R7FoWEMNUEtxzBi_zYTQ7wD3DIt_A9jl49KDTiXkRJ1Z142TxO6R_usoFbZhGQJc2fUzx5NLbUOw" alt="" /></figure>



<h3 class="has-text-align-center wp-block-heading">United Bank for Africa: Financial Assistant at Apple Business Chat</h3>



<p>United Bank for Africa (UBA) Plc is the largest African financial group, serving 20 African countries and having branches in Paris, London and New York. United Bank for Africa is a pioneer in introducing chat banking in Nigeria. A chatbot of a bank named Leo received positive <a href="https://businessday.ng/technology/article/why-apple-business-chat-is-uba-leos-new-playground/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">feedback </a>from Mark Zuckerberg at a conference in San Francisco. <a href="https://www.ubagroup.com/leo/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">Bot Leo</a> serves customers at FB Messenger, WhatsApp and Apple Business Chat.</p>



<p>Banking features available in bot through Apple Business Chat:</p>



<ul class="wp-block-list">
<li>Open a bank account</li>
<li>Check balance</li>
<li>Money transfers to an account or card</li>
<li>Payment of bills</li>
</ul>



<figure class="wp-block-image size-large"><img decoding="async" class="wp-image-1500" src="https://bank.chatbots.studio/wp-content/uploads/2020/07/mon-2.png" alt="" /></figure>



<h3 class="has-text-align-center wp-block-heading">Alfa-Bank (Belarus): Technical Support at iMessage</h3>



<p>“More than 85% of technical support requests via digital channels come from mobile devices. We expect it to quickly become the preferred method for our customers. ” &#8211; <a href="https://www.alfabank.by/articles/apple-business-chat-dlya-klientov-alfa-banka/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">said </a>Vyacheslav Skorbezh, communications director at Alfa Bank.</p>



<p>&nbsp;</p>



<p>Alfa-Bank Belarus Apple Business Chat chatbot <a href="https://www.alfabank.by/applebusinesschat/" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">features</a>:</p>



<ul class="wp-block-list">
<li>Ask a Question,</li>
<li>order a new card</li>
<li>change solution package</li>
<li>perform other operations with banking products</li>
<li>send stickers directly in the Messages application</li>
<li>the bank cannot see the personal information in a correspondence unless the client provides it himself</li>
<li>Chat with a live support agent</li>
</ul>



<figure class="wp-block-image"><img decoding="async" src="https://lh3.googleusercontent.com/129ogm_ocIDfuovgK-olGzII-WDIDoFZIi4ZOz4W5YJ5Da_vz_HPW1DlMlLjdUu_sYTcHZXYV-0jUvQiTMwkXQmHF5F6cpPOHLRrD8Rgpaytt7po8k1hN_95gM0Blgh3A_RE4Sx6" alt="" /></figure>



<h3 class="has-text-align-center wp-block-heading">Tinkoff &#8211; Apple Business Chat for Customer Support service</h3>



<p><a href="https://www.tinkoff.ru/about/news/07052020-tinkoff-launched-apple-business-chat-clients-support/#:~:text=%D0%A2%D0%B8%D0%BD%D1%8C%D0%BA%D0%BE%D1%84%D1%84%20%D0%B2%D0%BD%D0%B5%D0%B4%D1%80%D0%B8%D0%BB%20%D1%81%D0%B5%D1%80%D0%B2%D0%B8%D1%81%20Apple%20Business%20Chat%20%D0%B2%20%D1%81%D0%BB%D1%83%D0%B6%D0%B1%D1%83%20%D0%BA%D0%BB%D0%B8%D0%B5%D0%BD%D1%82%D1%81%D0%BA%D0%BE%D0%B9%20%D0%BF%D0%BE%D0%B4%D0%B4%D0%B5%D1%80%D0%B6%D0%BA%D0%B8.&amp;text=%D0%A7%D1%82%D0%BE%D0%B1%D1%8B%20%D1%81%D0%B2%D1%8F%D0%B7%D0%B0%D1%82%D1%8C%D1%81%D1%8F%20%D1%81%20%D0%BF%D0%BE%D0%B4%D0%B4%D0%B5%D1%80%D0%B6%D0%BA%D0%BE%D0%B9%20%D0%A2%D0%B8%D0%BD%D1%8C%D0%BA%D0%BE%D1%84%D1%84,%D0%BC%D0%B8%D0%BD%D1%83%D1%82%D1%8B%20%D1%81%20%D0%BD%D0%B8%D0%BC%20%D1%81%D0%B2%D1%8F%D0%B6%D0%B5%D1%82%D1%81%D1%8F%20%D0%BE%D0%BF%D0%B5%D1%80%D0%B0%D1%82%D0%BE%D1%80" target="_blank" rel="noreferrer noopener" aria-label=" (opens in a new tab)">Key features</a> of Tinkoff Bank Apple Business Chat:</p>



<ul class="wp-block-list">
<li>answer all customer questions about all and services of the Tinkoff ecosystem</li>
<li>apply for products, for example, for issuing bank cards</li>
<li>have messages stored on user devices</li>
<li>use the opportunity at any time to continue the dialogue with support</li>
<li>perform funds transfer operations</li>
<li>to perform other actions with cards and accounts that require a high level of security, it will also be possible to carry out through Apple Business Chat after verifying the identity of the client.</li>
</ul>



<figure class="wp-block-image"><img decoding="async" src="https://lh6.googleusercontent.com/01frvn8c7delHLBuoC7GXJjbZh7hwNmZUrHv953EPjXuXz4nNEUDgsKZRMZYc66HWRpBehhmlccAcjTnkM8k8s_tjdQpK9A8RBfvXAAQySTkD1nu0BJOeW5M32pe63pjZlHLx0DR" alt="" /></figure>



<p>Summarizing the above, we examined the Apple Business Chat use cases for banking in the USA, Russia, Ukraine, Belarus and Africa. The development of such a solution is relevant for banks whose customers are actively using products on IOS devices. The main goal of creating a bot is often customer support. But we can already see the appearance in Apple Business Chat of opportunities for use in banking products. Creating a bot can be both a competitive advantage of the bank and a tool to increase customer loyalty.</p>



<h2 class="has-text-align-center wp-block-heading">Apple Business Chat development services</h2>



<p>Chatbots.Studio team develop bot platforms for banks in instant messengers &#8211; Apple Business Chat, WhatsApp, Telegram, FB Messenger and Viber. It<strong> takes 2-3 months to develop and implement a chatbot </strong>for banks in instant messengers because we implement solutions through a ready-made bot platform for banks.</p>



<p>Among the clients for whom we have already implemented chatbots in instant messengers are PrivatBank, VTB Azerbaijan, CenterCredit, Sberbank Kazakhstan and Concord Bank.<img decoding="async" src="https://lh6.googleusercontent.com/ehX3CcBjR7ULr5Uqo8i00uEKTRHajBpHmpiXoJ6XDDp6cy3x29cfvH_LidtcWpKwik-FWcnYGOZx_Im1sSgZW1nneibVyEkwgrdIFhea_erQdJ2KpYIAshB03RNZIT98xv3ZKfa8" alt="" /></p>







<p>&nbsp;</p>



<p>If you have any questions about Apple Business Chat in banking or about WhatsApp, Telegram, FB Messenger or Viber chatbot development, you can <strong>fill out the contact form</strong> or write us a message at<strong> bank@chatbots.studio.</strong></p>
<p>The post <a href="https://bank.chatbots.studio/blog/apple-business-chat-imessage-for-banks-an-upward-trend-in-mobile-banking/?lang=en">Apple Business Chat (iMessage) for Banks: An Upward Trend in Mobile Banking</a> appeared first on <a href="https://bank.chatbots.studio">#1 in Conversational Banking — Chatbots.Studio</a>.</p>
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