TrustBank CORE Banking Solution
Transcription
TrustBank CORE Banking Solution
TrustBank CORE Banking Solution TrustBank CORE Banking Solution offer for Credit Union Trust Systems & Software 11/4, InfoTech Park, Gayatri Nagar, Nagpur-440022 +91-712-2223269,2221656 & Pune, Mumbai India +91 8806679790 www.softtrust.com www.trustbankcbs.com [email protected] Introduction Trust systems is professionally managed and steered by versatile diligent young entrepreneurs. In our group the role of each constituent is well defined and its contribution is unique towards achieving predefined goals. We have been active in the IT Industry for last ten years and have carved out a niche for ourselves in the field of Banking, ERP Solutions, Power Plant Software solution Outsourcing Services. Trust is a ISO 9001:2008 certified organization. We provide 'Total solution' to our esteemed customers. Ready to take on unique business challenges, we deliver quality results, on time, within budget, project after project And above all we are ready for the future We keep pace with the ever-changing technology with the latest platforms, most current application areas and the latest skill sets. Today, Trust Group is having dedicated team of 200+ software professionals and domain consultants. With State-Of-Art development center in Software Technology Park of India, we are fully equipped with necessary facilities and infrastructure to provide prompt and quality services. If you are looking for high performance, feature-rich software at an affordable price, then Trust is the ideal partner for you. About CORE Banking About CORE Banking offerings: Credit Unions – TrustBank ECS TrustBankECS has been successfully implemented in some of the large, leading and advance employee credit societies offering complete online banking experience to its members. The important functional features of Employee Credit Society Version includes Member Registration, Shares Management, Compulsory Deposits Management Voluntary Deposits (Savings), Member Loans Products (Regular, Festival, Emergency Loans etc..), Member Loan Guarantor details Loan Interest Calculation AND Online Demand generation and posting Dividend Calculation, Financial Accounting, Financial Statements and MIS Reports etc. TrustBankECS is a completely browser based solution, developed on latest platforms, which equips the banks to embrace the latest technology trends in banking such as core banking, e-banking, branchless banking etc. The solution caters to requirements of the banks to automate their business process thus increasing the efficiency helping them to provide complete satisfaction to its customers. The robust architecture of “TrustBankECS” allows users to configure the software as per the business rules in the bank. Above all, we provide customized solutions to fulfill your unique requirements. Functional Features: Operations Functional features: System Initialization settings: Bank Variables Saving Passbook Print Setting Form Account Head Mapping Chart of Accounts Chart Of Account Opening Balance Transaction Description Document Type Dormant Contra Activity Mapping New Financial Year Holidays Master Interest Mapping Define Denominations Vault Opening Details Denomination Unit Utilities: Handling operations with active tools Cheque Printing Business Logic Mapping Monthly Automated Transaction Mapping Account Enquiry User Lock Release A/C Lock Release Account search Client Accounts Information Update Line Balance Change Password A/C Status Modification Passing A/C Status Modification Account : Functional Features: Operations Member Registration : Interest Activities: Automated : Loan Account Opening : Special Instructions : Dividend Activities Monthly Automated Member Registration Member Registration Passing Member Registration Data Import (web Portal integration) Other Documents Attachment Signature Passing Not in Use Signature Passing Loan Processing Loan Processing Authorization Dividend Calculation (Credit Union) Dividend Posting (Credit Union) Dividend Calculation (Investment by Credit Union) Dividend Posting (Investment by Credit Union) Group And Bank Account : Group Account Group Account Passing Current Saving Interest Calculation Current Saving Interest Postings Loan Interest Calculation Loan Interest Postings Block Saving Interest Calculation Block Saving Interest Postings Special Instruction Addition Special Instruction Authorization Profit and Loss Summation Profit and Loss Summation Authorization Current Saving Interest Transfer Current Saving Interest Transfer Authorization Block Saving Interest Transfer Block Saving Interest Transfer Authorization Functional Features: Operations Transaction : Demand Daily Transaction : Cash Handling Transaction : Day End Activities : Additional Demand Amount Mapping Demand Generation Demand Posting Demand Saving Cashier Treasury Transaction External Treasury Transaction External Treasury Transaction Passing Cash Exchange Loan Disbursement And Settlement Loan Disbursement And Settlement Passing Cash Batch Transaction Cash Batch Transaction Passing Many to Many Transactions Many to Many Transaction Passing Day End Day Begin Reports TrustBank ECS Reports can be exported to EXCEL, Word, PDF, RTF, HTML etc… TrustBank ECS reports has many statistical reports, graphical reports, drill down reports and Dashboards. GL Reports Loan Reports Transaction Reports CU Reports Balancing Reports Reports Account Reports Cashier Reports Daily Subsidiary Reports Un-Pass Reports GL Reports Trial Balance Cash Book General Ledger Report Profit And Loss Statement Balance Sheet Un-Pass Reports Un-Pass Transaction Un-Pass Account Report Un-Pass Batch Summary Report Un-Pass Cashier Transaction Report All Un-Passed Report Reports Transaction Reports Deleted Transaction Report Transaction Amount Searching Transaction Detail Report Batch Transaction Report Query on Amount Demand Generation Report Month End Profit and Loss Summation (optional and automated) Daily Subsidiary Reports Daily Subsidiaries (Daybook) Head-Wise Daily Subsidiaries User-Wise Transaction Report Daily Balancing Report Interest Report (Deposit/Loan) Day Book Summary Balancing Reports Account Balancing Report Day End Balance Report Nil Balance Report Book Balance Certificate Accounts Report Account Statement Account Open Register Account Close Register Status wise Report Account Number List Chart of Account List Account Modification Register Special Instruction Register Account Ledger Report Service Member Status Cashier Reports Cashier Receipt Scroll Cashier Payment Scroll Cashier Summary Report Period Wise Cash Summary Loan Reports Loan Balancing Report Recovery Report with Disburse Amt Interest Day Book Report Interest Receivable Statement Statement Of ST/MT Loan Account Receivable Interest Day Book CU Reports Receipt Voucher Report Guarantor Detail Report Loan application Details Vacation Details Reports CU Reports Code3 Report (All accounts Balancing report) Loan Clear in Next Month Un Deducted Block Saving From Payroll Un Deducted Loan From Payroll Without Block Saving EALES Loan Payroll Change Reports Drill Down Drill Down: on GL based report to trace specific transaction Dashboards Technical Features TrustBankECS Technical Features : The TrustBankECS has a browser based GUI hence require optimum bandwidth TrustBankECS is customized Core Banking Solution (CBS) application software having modules and functions related to core banking operation for Branch offices, and HO consolidation, MIS &Reports module for Bank Head offices and Branch Offices TrustBankECS has centralized application and database installation. The TrustBankECS System has a fully integrated database across all the modules. With TrustBankECS all transactions of branches networked will get updated at the central Data Centre on line in real time. The TrustBankECS software is tested for handling the account & transaction volumes as required in typical bank branch set-up. With TrustBankECS, all financial transactions and changes made to the customers’ accounts by the users from various branches/sites are processed instantly and the position of these accounts updated on-line in the central server database. The TrustBankECS Application software is fully integrated across all modules and hardware platforms. With TrustBankECS, the Central server can be used for launching of new products & services across all the connected branches/sites. The bank level parameterization is centralized and configuration is not required to be done in multiple places and Users are restricted. Necessary suitable online warning / mismatch reports / exceptional statements are provided by the TrustBankECS for necessary manual intervention if required for maintaining data correctness. Technical Features In TrustBankECS, Audit trails have been provided for verification by management/auditors at a later time. The TrustBankECS system supports archiving on disk/tape/CD, retrieval from said media. In TrustBankECS, transaction data can be captured via input screens and other media based inputs (e.g. PDA based bulk inputs), which are accessible by menu driven options and provide interactive operator facilities. Such access is security controlled. In TrustBankECS, all transactions are updated only after authorization by an officer of desired level unless otherwise specifically permitted by the bank. The maker checker is configurable for all transaction types available in the system. Screen input fields allow for high-speed entry, explanation for coded values on request, and pulldown lists with “point and shoot” selection capability. Eg. Function keys and Hot keys TrustBankECS software has the facility for storing and on-line retrieval of Customers’ signatures/photographs from all terminals. The software performs required business validations at the time of updating to maintain data integrity. In TrustBankECS, product interest rates can be configured for future date and applied on date assigned. In TrustBankECS, product definitions, configuration of fees and charges is parameterized. The software has the Advanced Search facility on Customer-ID, name and other parameters for all types of accounts. The software has the search facility for a specific/range of transaction based on transaction amount, instrument number and period for individual/range of customer/ GL account. Technical Features The access to the software and its menus is restricted only to authorized users. The TrustBankECS system has the facility to define different access levels to different users and also restricted menu to various users by levels and user ID specific (The levels is parameterized and definable by the System Administrator) In the software, user log trail is maintained for each user to show the usage of application with break up details. In TrustBankECS all deleted/corrected transactions are captured by the software during the day and a list sorted branch/site wise to be generated at the end of the day for scrutiny. The new user is created in a branch and the same should be effective only after it is authorized by a defined level. Automatic disabling of user facility is available if the user is not utilizing the application software and keeps the application open for a defined time period. The response time within a branch, inter-branch and Head Office is within the maximum time specified hereunder: • Balance enquiry 5 seconds • Static data enquiry 5 seconds • Account statement request 10 seconds • Transaction posting 5 seconds • Screen to Screen 5 seconds • Menu to Submenu rollover 5 seconds • Day end window 30 minutes • Month end window 45 minutes • Half-year/Year End 60 minutes Should be able to perform transactions during the day end 24X7 hours transaction processing capability The transactions initiated from peripheral devices such as ATMs for withdrawals or account enquiries are processed within 10 seconds irrespective of the point of initiation. Technical Features The system is able to print statements, passbooks, Term Deposit Receipt etc. and integrated with popular hardware vendors in the market. In TrustBankECS, Reports are transferable to external media like floppy, CD, DVD and USB devices in various formats. The TrustBankECS software maintains history of all transactions and have audit trail facility, indicating the User-ID, authorizing official ID, date and time of addition/modification/deletion and status of confirmation in respect of changes made to: • Master data (financial & non-financial) • All transactions (financial & non-financial) • customer signatures/photos The System has the facility of nomination to specified types of accounts (Eg. Individual, joints accounts, sole proprietorship accounts etc.) The system has TRANSFER facility for same customer id accounts across all types of accounts. (If one account requires funds it should search from among the pool of accounts based on instruction) The TrustBankECS system has in-built ‘MakerChecker’ (Maker cannot be the checker and vice versa) concept for validation and authorization of all data input before the transactions are updated/finalized and facility for overriding to permit exceptional transactions by a Super User The software provides for both on-line as well as batch authorizations of all transactions across all modules. In TrustBankECS, transaction id is unique within the branch and is running number. In TrustBankECS, remote log in /log out and remote locking of a branch is possible. In TrustBankECS, GL level transaction posting is possible Technical Features In TrustBankECS, GL level transaction posting is possible The TrustBankECS software provides separate user for “Auditors” with query facility that can only “View” the data and should not be allowed to any transactions. Only specific screen should be provided to the Auditors. The TrustBankECS solution is capable of interfacing delivery channels like EFT Switch, ATM, Internet Banking, Mobile banking, Phone Banking etc. In TrustBankECS account no. is unique for all branches In TrustBankECS ABBS Module, User of one branch should be able to post transactions in another branch.