Wealth Management
Financial organizations are facing challenges with on-going pressure due to heavy competition, consolidation, shrinking margins and product commoditization.
To differentiate themselves, financial organizations are increasingly seeking to leverage customer relationship management (CRM) technologies to deliver a personalized experience to both business partners, in-house agents and customers. In addition, financial organizations are struggling to strike a balance between reaching more customers and keeping distribution costs down.
With such a competitive environment in mind, our new technological solution which aims to help financial organizations define e-Business requirements and move quickly to create an online presence in order to capture more new business opportunities, enable business partners to make effective selling, improve customer services, etc.
Features
- Dashboard design approach
- Real-time notification of leads (SMS, e-mail & dashboard)
- Rule based follow up for leads
Highlights
- Channel Performance Analysis
- Sales Force Automation
- Lead & Campaign Management
- Commission & Incentive Management
Anti-Money Laundering/Fraud Detection
Are you losing money because of fraud every year? Does the loss reflect on your organization's performance? How do you plan to identify and prevent these fraudulent transactions? Do you want a proper workflow in place to automatically report on the incidences of fraudulent transactions?
Our AMLA / Fraud Detection solution has been proven to be far more accurate than any current system in actual production environments. Whereas expert rules and artificial intelligence based systems are critically dependent upon consistent historical fraud data, our solution is able to quickly adapt to rapidly changing trends as it dynamically optimizes itself against an environment that is always in flux.
Our solution emphasizes on real-time identification of fraud (as well as in batch) using an architecture that has been designed to fit into the financial sector. The solution is able to learn and understand fraudsters pattern as well as monitor, investigate, and analyze fraudulent activities via the combined technologies of unique Detection Beams, Expert System and Artificial Intelligence (A.I). Ultimately, the goal is to reduce the phenomenon to a level where it is no longer a threat to organizations.
Features
- Comprehensive KYC
- Customer Identification Process
- Rules based filters
- Case Management (Financial & Non-Financial)
- Automated Reports generation
- Regulatory Reporting to monetary authorities
- Customer Risk Rating
Highlights
- High Scalability
- Global References
- Proven Product Performance
- Off the shelf Reporting
Microfinance
Today, Microfinance institutions can achieve best results such as the best reach, high impact, low investment, and low operating cost, with technology efficiency.
Our Microfinance Solution provides a fully integrated application that addresses the entire life-cycle of lending process from origination, servicing and collection & recovery. The system focuses on improving efficiency of the microfinance operations by using technology. It facilitates in creating income-generating opportunities for small scale entrepreneurs and provides needy communities with efficient access to information and resources. The system is built on a modular principle and gives the flexibility to adapt to specific needs of any Microfinance institution. The solution also supports the requirements of Self Help Groups (SHGs).
Features
- Multi-Entity, Multi-Lingual, Multi-Currency Solution
- Event driven transaction processing environment with real-time updation
- Automated underwriting
- Web based system with user-friendly front-ends
- Flexible product definition parameters
- Addresses all types of micro lending requirements (agricultural loans group lending, syndicated lending etc.)
- Deployable in a branch environment
- Provision for offline processing
- Multi-channel interfaces (tellers, kiosks, hand-held devices, internet, mobile, phone etc.)
- Optional Deposits and Fund Transfer Modules
- Limits, charges, fees and penalties management
Highlights
The solution provides Straight Through Processing (STP) and is based on SOA architecture that e-enables the front end application processes and automates mid and back office processes dealing with accounting, reporting, compliance collections etc. The system provides complete flexibility in terms of defining hierarchy and parameters.
Branch Front Office System
Overshadowed by the modern delivery channels such as the ATM and the Internet, the Branch was widely believed to have gone out of fashion. However, with most routine transactions ‘outsourced’ to the cheaper and more pervasive channels, bankers at the branch are free to focus on what they do best – bonding with customers through friendly service, satisfying them through sensitive problem resolution and selling products through expert, personalized advice.
Enabling this transformation requires powerful information systems that support the branch functions. A 360-degree view of the customer’s relationship – a must for meaningful cross-sell – requires data from diverse back-office applications to be synthesized. It is also critical that system upgrades do not disrupt the smooth functioning of the branches. Finally, improving branch profitability requires pruning the money spent in maintaining and upgrading the IT infrastructure. Such challenges are forcing many a bank to postpone what is clearly an imperative change for retaining the competitive edge. Our Front Office system is the answer to all this.
Features
- Prospect - Simple and Powerful Prospect Management to effectively assign, schedule meetings, track and convert Leads into Clients with the right MIS for the Supervisor to track Team effectiveness
- Credit Origination - Build scale and capacity in credit processing without sacrificing credit quality by automating all aspects of credit origination process from Application management to Credit decision
- Service Management - Helps Bank to completely track Customer Complaints / Enquiries across multiple Products achieved by robust, user friendly workflow for smooth tracking of issues in Organization across Units and Users
- Account Opening - One Stop Account Opening and maintenance for Multiple Products offered by Bank
- Branch Back Office - One Stop Account Opening and maintenance for Clearing Processing, Collection Processing, Incoming Funds Transfer, Standing Instructions, Account Services and ATM/Debit Card Management
- Statements - Consolidated Statements across Products, which Benefits bank by Reduced paper and mailing costs, reduction in mass marketing costs by targeting promotions to those customers most likely to respond and encourages its customers to use the bank as a single source for all financial accounts
Highlights
Design your Customer Experience
- Contextual Transaction Framework
- Truly personal customer service
- Capture customer emotion in every integration
Teller to Seller
- Consolidated Relationship Window
- Ease of Desktop
Enhancing Face to Face with the Customer
- Route Standard Transactions to Self-Service
- Standard Decisions through Business Rule Engine
Power of the Total Bank in The Space of a Branch
- Fully Empowered Workstations
- Flexible Bank Layout
Branch Training and Exam Portal
Branch Training and Exam Portal is an intelligent Training and Exam automation solution designed specifically for banks to automate training and exam processes in their key functional areas.
Features
- Training
• Resource Centre
- Candidate
• Registration
• Enquiry
- Examination
• Exam Master Setup
• Exam Schedule Enquiry
• Exam Result Enquiry and Tracking
Highlights
- Enhance quality and effectiveness of ongoing employee training & exam (improvement in turnaround time and maximize capabilities of employees)
- Reduce cost (save on operational cost by eliminating redundant tasks)
- Effective distribution of information through single consolidated view of information shared by multiple points of contact with security access controls who has access to what data
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