General Principles:

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• centralized integrated bank system;
• customer orientated processing of operations;
• flexible & easy adaptable thanks to the proprietary
  “data description language” for business logic;
• scalable;
• universal & specific bank operations;
• 24/7 bank working hours;
• information security.

Main functionality:

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• main customer data – save & trace;
• payment, saving ande deposit accounts;
• retail banking;
• Adaptable credit scoring module with different models
• corporative banking;
• Treasury
• general accounting;
• different delivery channels;
• overall limits, exposures & utilizations control;
• management information on demand;
• administration & security;
• audit details;
• payment system integration (SWIFT incl. gpi, SEPA, Target2, BISERA, RINGS, AIPS, AECH, KIBS, MIPS, MIPS EUR).

Functional modules:

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• communication section – carries out the connection with VISA, MASTERCARD and with the National authorization center;
• system for issuing and managing of international bank cards – VISA, MASTERCARD;
• адаптивна и бързо приспособима благодарение на въведения
  „език за описание чрез данни“ на бизнес логиката;
• system for processing authorization messages and transaction data, received from the National authorization center;
• system for processing financial messages, received from VISA, MASTERCARD, the National authorization center – when performing transactions with bank cards of the Bank at ATMs not belonging to the bank where they have their account or in the country where their accounts are held.