DataMate A Centralised Core Banking Solution

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DataMate A Centralised Core Banking Solution
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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

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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

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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

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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

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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

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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

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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

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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

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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

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Features contd

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

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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

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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

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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)

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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

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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

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Coverage contd

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

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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)

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Coverage contd

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

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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

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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

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THANK YOU
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DataMate Demo
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Limit Tree in Data Mate
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Login
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Menu
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Demand Loan A/c Open
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Cash Deposit
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Customer Entry
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Scheme Product Link
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Forward Contract
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Inward Bill for Collection
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Clearing Entry Pay in Slip
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Foreign Bills
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Instrument Issue
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Clearing Entry - Inward
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Transfer
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Shadow bal in TransferTxn
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Clearing Multiple-to-Multiple Entry
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Module Types Screen

• This is the screen for addition and modification
  of module types

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Scheme Definitions

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

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Term Deposit Screen 1
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Term Deposit Screen 1
contd

• Click Here To View General Ledger Details

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Term Deposit Screen 2
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Term Deposit Screen 3
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Term Deposit Screen 3
contd
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Term Deposit Screen 3
contd
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Term Loan Screen 1
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Term Loan Screen 1
contd
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Term Loan Screen 2
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Term Loan Screen 3
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Term Loan Screen 3
contd
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Saving Bank Screen 1
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Saving Bank Screen 1
contd
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Saving Bank Screen 2
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Saving Bank Screen 3
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Bank Parameters Screen
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Bank Parameters Screen
contd
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Bank Parameters Screen
contd
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Branch Parameters Screen
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Branch Parameters Screen
contd
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Branch Parameters Screen
contd
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General Ledger

• Click Here To View The Screen For Addition And
  Modification

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General Ledger Add and Modify Screen
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Customer Entry