Key Features:

  • Parameterizable
  • Scalable
  • Multi-currency
  • Multilingual and multinational system.

It enables costs optimization by covering the processes of the entire banking activity, offering dynamics and security necessary for any modern bank.

Accounting and data warehousing

Integration into the system itself, data collection and grouping, user-defined group criteria, simple administration, quick and easy method for creating statistical reports and management activity reports. Datawarehouse for data warehousing when producing specific reports.

Architecture & Technical Features

PC based servers, independent platform, low bandwidth requirements.

Bank Cards

Supports the registration, issuance, management, transaction processing and maintenance of card balances.

Administration & Security

Flexible access, data recovery and security, four-eyes system, automatic customer repayment and more.

Delivery Channel

The system enables the use of various ways to reliably send notifications via the Internet, SMS, cell phone/IVR, e-mail and mobile agents.


Interfaces:

  • ISO20022;
  • banking system for card transactions (MasterCard, Visa, National Authorization Center);
  • RTGS;
  • SWIFT (SWIFT partner);
  • interfaces with ASCII files;
  • XML interface;
  • DMMessage interface;
  • E-credit - mass credit products;
  • all other interfaces can be generated according to customer needs.

Regional/local terms:

  • Local general accounting/general ledger;
  • Local central bank statements reports;
  • Treasury information;
  • Monetary jurisdiction information;
  • Interface with local payment systems;
  • Central depository interface;
  • Interface for claiming securities against payment systems.

Implementation of DMDB Centralized Bank System

  • creating an interface for data migration between the systems;
  • testing the data migration;
  • check reports after the test data migration;
  • “Big Bang” – start in non-working days;
  • check of the migrated data.

Non-centralized Bank System

  • creating an interface for data migration between the systems;
  • testing the data migration for every branch;
  • check reports after the test data migration for every branch;
  • migration of the branches (2, 3 branches per week in non-working hours);
  • check of the migrated data for every branch.

Functional system modules:

Lending

High degree of automation in servicing a rich set of features for lending products.

Overdraft facilities

We offer private individuals and companies a wide range of overdraft facilities in conjunction with current accounts, debit or credit cards.

Provisions

Services all balance sheet assets for which provisioning and impairment procedures need to be performed.

Letters of Credit

Supports and works with all types of letters of credit.

Bank Guarantees

All stages of issuing and granting Bank Guarantees.

Collaterals

Automatic linking of the registration with all other modules.

Credit Cards

A wide range of options for defining and automatically processing data on interest terms, billing, balance types and more.

Related parties

Related parties register and module for its management. A set of queries to determine the exposure of related parties in the system.

Accounting

Multivalent Accounting. 90% of the accounting apparatus is automated according to customer operations. Ability to describe chart of accounts according to bank requirements.

Repayment of debts

Automatic repayment of customer debts when funds are credited to the account.

Customer Relationship Management (CRM)

Tools for managing the customer campaigns carried out by the bank.

Ratings

Module to Datawarehouse for rating based on a model described by the bank according to local and European requirements.

Risk Calcuation

Module for calculating credit, market (position and currency) and operational risks according to a predefined model of the bank under BASEL II. Automatic determination of the bank's capital adequacy according to a model developed by the bank.

Module Western Union

Automatic loading of transfers into the system, option to pay from any bank counter. Automatic generation of the files for the amounts paid.

Reports and Statistics

A wide range of options for retrieving audit, management, customer and other types of reports and reports. Report generator allowing the development of specific reports without software changes.

Tangible and intangible fixed assets

Suitable for use by financial institutions, limited module with automatic data processing.

Government and Corporate Securities

Purchase and sale, interest, billing, blocking and release of government securities, etc.

Cash register

All operations related to cash payments. Ability to process a document on any available cash register.

Different types of customer accounts

It is possible to work both with IBAN numbers and without them.

Recurring automatic payments

Payments of varying intensity to and from different counterparties.

Depository

Processing and automatic exchange of data on all transactions carried out by the bank.

Checks

All types of transactions.

Front Office

All services that can be offered at the counter.

Back Office

All types of internal operations in a branch or head office.