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DataMate A Centralised Core Banking Solution

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Software in Modular Form & be able to Personalize as per need using ; ... Tele Banking thro' IVR. Internet Access. SWIFT/SFMS Message Conversions ... – PowerPoint PPT presentation

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Title: DataMate A Centralised Core Banking Solution


1
DataMate A Centralised Core Banking Solution
2
Software Design as open system
  • Functionality wise definitions as follows
  • Demand Deposits
  • Time Deposits
  • Demand Loans
  • Term Loans
  • General Ledger
  • Bills
  • Bank Guarantees
  • Letters of Credits

3
Customer Perspective
  • Multi Currency Environment
  • Multi Lingual Support
  • Software in Modular Form be able to Personalize
    as per need using
  • Parameterization Tools in the application
  • Friendly report Tool

4
Features
  • Customer Level
  • Accounts Linked to Customer
  • Customer Id is unique across the Bank
  • Personal Information of Customer Stored
  • Master Branch concept for group limit handling
  • Multiple Address/Contact detail maintenance

5
Features contd
  • Group Level Limit Management
  • Limits Linked to Customer
  • Allocate Limits Account wise, Branch wise
  • Allocation of limits in Multi currency
  • Limit Interchangeability
  • Auto calculation of DP (Drawing Power) security
    wise

6
Features contd
  • Account Level
  • Flexi type schemes can be defined
  • Multi Currency account handling
  • Flexible Account Numbering system
  • Define your scheme for specific account operation
  • Legal Account link in case of Suit File Accounts
  • Appropriation of Credit in a Loan as per Priority
    set

7
Parameters
  • The account behavior depends upon the scheme
    definition and some other parameter files. Click
    on the name to see the specified file
  • Module Types
  • Scheme Definitions
  • Bank Parameters
  • Branch Parameters

8
Features contd
  • Transaction Level
  • Multi Currency Cash position
  • User wise Currency Position
  • Multiple to Multiple or Single Transactions
  • Contra Transaction Maintenance
  • Four level balance maintenance
  • Ledger, Available, Local Float, Outstation Float
  • Shadow Balance Debit/Credit
  • Earmarking of Funds
  • Income Seepage Maintenance

9
Features contd
  • Interest and Charges
  • Floating and Fixed Rate of Interest
  • Charges/Interest can be Tiered or Banded
  • TD Interest Diary to calculate interest
  • User defined charge/validation sub-system
  • 18 product calculations methods defined as
    product codes
  • Attach relevant product code to a scheme for
    calculation of interest

10
Features contd
  • General Ledger
  • Other Assets reconciliation. (immediate
    enhancement)
  • Inter Branch Reconciliation
  • Credit Balance and TOD maintenance
  • EOD/BOD can be triggered at branch level

11
Features contd
  • User, Menu, Help
  • User Operation Tracking
  • Different groups of user as per menu access
  • Menu Customization
  • On-line help

12
Customer Perspective
  • Demands Driven By Customers
  • Enhanced Service Expectations
  • Innovative Products (IVR, Utility Bill Payment,
    WAP service)
  • Flexibility In Accounts
  • Account Consolidation for Risk Assessment
    Decision Making
  • Customer level Account Maintenance
  • Group Limits
  • Operational MIS

13
Modules Schemes in DataMate
  • Module refers to the Account Types such as
    Savings, Current etc.
  • Scheme refers to further sub-types under Account
    types such as General, Staff, NRE, NRO etc.
  • Accounts are opened for a module and Scheme
  • Share holders data can be captured for a customer
    who is share holder of the Bank

14
Coverage Indian
Perspective
  • Banking Activities
  • General Ledger (GLPL)
  • Saving Bank Accounts (SB)
  • Current Accounts (CA)
  • Term Deposits
  • Cash Credits (CC)
  • Over Drafts (OD)
  • Term Loans
  • Bills (OBC/IBC/BP/BD)

15
Coverage contd
  • Banking Transactions
  • Cash Deposits and Payments
  • Clearing Inward and Outward
  • Transfers between Accounts
  • Interest Calculation and Application
  • Various Charges Calculation and Application
  • Exchange of Currencies

16
Coverage contd
  • Other Services
  • Safe Deposit Lockers
  • Remittances (DD, PO, MT, TT etc.)
  • Bank Guarantee
  • Letter of Credit
  • Funds Transfer
  • Standing Instructions
  • Other Foreign Exchange Activities

17
Coverage contd
  • Classifications of Accounts
  • Accounts those are
  • Non Performing Assets (NPA)
  • Suit Filed
  • Dormant/Inoperative
  • Frozen
  • Matured
  • Overdue

18
Coverage contd
  • Interfaces
  • Standard 8583 interface
  • ATM transactions
  • POS
  • Debit Cards
  • Mobile Banking
  • Tele Banking thro' IVR
  • Internet Access
  • SWIFT/SFMS Message Conversions
  • Payment Gateway Interface (Utility Bill Payment
    etc)

19
Coverage contd
  • General
  • Personal information
  • Signature/Photograph Capture/Retrieval
  • Memo Creation for an Account and display
  • Reports and Queries
  • Statutory
  • Mandatory
  • As and When

20
Technologies
  • Developed using Java language
  • J2EE as server side platform
  • XML for flexible application integration
  • Centralized Core-Banking System
  • Web-based and User Friendly Client Interface
  • Renders Bank's retail, corporate, trade financial
    requirements
  • Compatible to Communicate with both Web-Based and
    Non-Web based Interfaces
  • Database and Logical Locking
  • Password Encryption and SSL support
  • Crystal Reports is used for all reports and
    queries

21
Software Development Lifecycle
  • Overall Architecture of Software
  • Specification by Functional Team
  • - Use Cases
  • - Sequence Diagram
  • Specification by Technical Team
  • Coding
  • Testing
  • More Req, Spec. and Analysis (if any)
  • COMPLETED PRODUCT

22
THANK YOU
23
DataMate Demo
24
Limit Tree in Data Mate
25
Login
26
Menu
27
Demand Loan A/c Open
28
Cash Deposit
29
Customer Entry
30
Scheme Product Link
31
Forward Contract
32
Inward Bill for Collection
33
Clearing Entry Pay in Slip
34
Foreign Bills
35
Instrument Issue
36
Clearing Entry - Inward
37
Transfer
38
Shadow bal in TransferTxn
39
Clearing Multiple-to-Multiple Entry
40
Module Types Screen
  • This is the screen for addition and modification
    of module types

41
Scheme Definitions
  • Here are the examples of the scheme definitions
    of some schemes. The schemes explained here are
  • Term Deposit
  • Term Loan
  • Saving Bank

42
Term Deposit Screen 1
43
Term Deposit Screen 1
contd
  • Click Here To View General Ledger Details

44
Term Deposit Screen 2
45
Term Deposit Screen 3
46
Term Deposit Screen 3
contd
47
Term Deposit Screen 3
contd
48
Term Loan Screen 1
49
Term Loan Screen 1
contd
50
Term Loan Screen 2
51
Term Loan Screen 3
52
Term Loan Screen 3
contd
53
Saving Bank Screen 1
54
Saving Bank Screen 1
contd
55
Saving Bank Screen 2
56
Saving Bank Screen 3
57
Bank Parameters Screen
58
Bank Parameters Screen
contd
59
Bank Parameters Screen
contd
60
Branch Parameters Screen
61
Branch Parameters Screen
contd
62
Branch Parameters Screen
contd
63
General Ledger
  • Click Here To View The Screen For Addition And
    Modification

64
General Ledger Add and Modify Screen
65
Customer Entry
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