Mobile banking

After introduction of Internet banking banks started to offer banking services via SMS messages where clients could see account balances and transactions. As mobile phone (cell phone) industry is one of fastest growing, banks quickly recognized mobile phone as even wider spread user channel than computers. Today, by implementing solutions like our MobileBank module (for Android and iOS operating systems), banks facilitate personal, modern, simple and safe way for their marketing and launching new products and services to ensure highest level of satisfaction, efficiency and loyalty for their clients. Mobile phone became a tool for paying bills, checking transactions and balances or searching for closest ATM no mater where you are.
Competition on the banking market is pushing banks every day to innovation and mobile phone (cell phone) is successfully taking a part of banking business previously done in branches, via Internet or with cards and cash. 

Card management

With current consumer shopping culture cards significantly replaced cash and it is a must for a bank to offer debit, credit or other cards issuing to their clients. With lot of compliance and security rules in card processing business it is very important to fulfill those customer needs with optimal cost and quality. Our CardBank module ensures that bank with minimal investment provides full spectrum of cards (debit, credit, revolving, business...) for its clients ensuring shopping convenience, relationship growth and their loyalty.

• Support for debit, revolving and credit cards, retail and corporate
• Issuance of Maestro, MasterCard or Visa card
• ATMs and EFTPOS devices network support, acceptance of own and others' cards
• Easy and quick implementation, integrations to other systems, experience
• Full control, integration with core system
• A large set of already existing possibilities of parameterization in all elements of the product (fees, card limits, accounting, statements...)

Internet banking

As a foundation of non-stop availability for your clients you can use advantages of our InternetBank module. With optimal investment ensure your clients forget the stress of banking working hours and queuing in bank branches and post offices. Facilitate more transactions by offering your clients atmosphere and comfort of their office or home. They will have more free time to spend with their friends and family or do something else instead of waiting in a queue.
InternetBank solution will not only enable your bank to be always available (on-line) to your clients but it will enable you to offer wide range of secure transactions from their offices or homes. This solution also contributes to cost control, as opening of branches as well as hiring of new personnel and purchase of additional equipment will not be required while your market share will increase.

Decision support

Updated and well designed relational database is ideal source for various views, reports, analysis and at the end for banking decisions. Complex programs in AnalyticBank module are analyzing data, scoring clients and their activities, showing client relationships and profitability, products or services profitability as well as generating various periodic reports. CoreBank’s integral and comprehensive concept is enabling high-quality decision support with following highlights:

• P&L calculation by branch, product and client
• Managing cash-flow
• Interest margins calculations
• Credit risk
• Consolidated reporting for international banking groups

Accounting and Reports

Accounting

Any transaction, regardless of the place of its origination, is automatically posted to the General Ledger without any additional input requirements. The CoreBank accounting module ensures transparency of all transactions at any point within the system, which is the main precondition for accurate and up-to-date balance sheets.
Double-entry accounting is applied to every booking order entering the general ledger.
General ledger and various sub-ledgers were designed to support wide spectrum of  banking services and to facilitate implementation and monitoring of profit centers, thus enabling the bank to monitor profit and loss account by its profit-generating units. At the same time, all internal reports, reports for the banking group and reports to the Central Bank can be prepared at the bank level.  Accounting module highlights:

• Input in original currencies and monitoring of transactions by different currencies
• Automated calculation of exchange rate differentials, fees and taxes
• Integrated sub-ledger and foreign exchange accounting
• High degree of up-to-date account balance and status
• Profit centers supported
• P&L by client and by banking product

Reports                                                                                                                                                 

Integral system design enables creation of a series of reports relevant for the banking
business by AnalyticBank module. Instant availability of up to date reports regardless of transaction’s entry point makes such information available to specialists and management for timely and accurate business and decision making. Reporting system highlights:

• Full Central Bank reporting requirements (including BASEL requirements)
• Customizable access to reports
• Ability to create reports on/for any given business date
• Support for a number of standard and special reports
(review of card account balances,  trial balance, accounting entries and journals, balance sheet, income statement)
• Report generator module, enabling generating reports based on user specifications
• Strong basis for Data Warehouse (DWH) and Business Intelligence (BI) usage

                                                                               About central server