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With its modern, digital, shrink-wrapped, pre-configured, interoperable, scalable and connected capabilities, Oracle FLEXCUBE Universal Banking can help catapult banks to the fore front of digital innovation and leadership.<br />\r\n<span style=\"font-weight: bold;\">ACCELERATED DIGITAL TRANSFORMATION</span><br />\r\nBanks can transform the way they understand customers, develop new products and services, focus on new business lines, initiatives and deliver engaging experiences across multiple digital channels.<br />\r\n<span style=\"font-weight: bold;\">Oracle FLEXCUBE offers:</span>\r\n<ul><li>Multi-channel, multi-device and multi-vendor access coupled with best-in-class functionality that helps banks offer innovative services and frictionless experiences.</li></ul>\r\n<ul><li>Multi-dimensional views of customer data to enable a deeper understanding of customers as individuals and helps banks offer personalized services and experiences that are highly contextual and relevant.</li></ul>\r\n<ul><li>Mobility, service ubiquity and experience that drives stakeholder convenience.</li></ul>\r\n<span style=\"font-weight: bold;\">Key Business Benefits:</span>\r\n<ul><li>Offers business mobility, service experience, ubiquity and customer centricity</li></ul>\r\n<ul><li>Drives growth through customer centricity</li></ul>\r\n<ul><li>Enables an accelerated time-tomarket</li></ul>\r\n<ul><li>Enables customized transformation using best of breed point or pre-integrated solutions</li></ul>\r\n<ul><li>Has a connected architecture that enables collaboration</li></ul>\r\n<ul><li>Enables Open Banking and API monetization</li></ul>\r\n<ul><li>Offers operational and cost efficiencies from automated decisioning</li></ul>","shortDescription":"Решение Oracle FLEXCUBE предназначено для финансовых учреждений и предлагает клиентоориентированные основные банковские функции, функции интернет-обслуживания и управления частным капиталом. ","type":null,"isRoiCalculatorAvaliable":false,"isConfiguratorAvaliable":false,"bonus":100,"usingCount":12,"sellingCount":8,"discontinued":0,"rebateForPoc":0,"rebate":0,"seo":{"title":"Oracle FLEXCUBE","keywords":"","description":"The financial services industry continues to evolve amidst disruption caused by an unprecedented proliferation of digital technologies and connectivity. This disruption coupled with several regulatory directives is also driving the emergence of connected ecosy","og:title":"Oracle FLEXCUBE","og:description":"The financial services industry continues to evolve amidst disruption caused by an unprecedented proliferation of digital technologies and connectivity. This disruption coupled with several regulatory directives is also driving the emergence of connected ecosy","og:image":"https://old.roi4cio.com/fileadmin/user_upload/Oracle_Flexcube.png"},"eventUrl":"","translationId":4983,"dealDetails":null,"roi":null,"price":null,"bonusForReference":null,"templateData":[],"testingArea":"","categories":[{"id":158,"title":"Core Banking System","alias":"core-banking-system","description":"Core (centralized online real-time exchange) banking is a banking service provided by a group of networked bank branches where customers may access their bank account and perform basic transactions from any of the member branch offices.\r\nCore banking system is often associated with retail banking and many banks treat the retail customers as their core banking customers. Businesses are usually managed via the corporate banking division of the institution. Core banking covers basic depositing and lending of money.\r\nCore banking functions will include transaction accounts, loans, mortgages and payments. Banks make these services available across multiple channels like automated teller machines, Internet banking, mobile banking and branches.\r\nBanking software and network technology allow a bank to centralise its record keeping and allow access from any location.\r\nAdvancements in Internet and information technology reduced manual work in banks and increasing efficiency. Computer software is developed to perform core operations of banking like recording of transactions, passbook maintenance, interest calculations on loans and deposits, customer records, balance of payments and withdrawal. This software is installed at different branches of bank and then interconnected by means of computer networks based on telephones, satellite and the Internet.\r\nGartner defines a core banking system as a back-end system that processes daily banking transactions, and posts updates to accounts and other financial records. Core banking solutions typically include deposit, loan and credit-processing capabilities, with interfaces to general ledger systems and reporting tools. Core banking applications are often one of the largest single expense for banks and legacy software are a major issue in terms of allocating resources. Spending on these systems is based on a combination of service-oriented architecture and supporting technologies.\r\nMany banks implement custom applications for core banking. Others implement or customize commercial independent software vendor packages. Systems integrators like Cognizant, EdgeVerve Systems Limited, Capgemini, Accenture, IBM and Tata Consultancy Services implement these core banking packages at banks. More recently, entrants such as Probanx (since 2000) and Temenos (late 1990's) have also provided entry level core banking software, focussing on neo-banks and electronic money institutions.\r\nOpen source Technology in core banking products or software can help banks to maintain their productivity and profitability at the same time. ","materialsDescription":"<h1 class=\"align-center\"><span style=\"font-weight: normal;\">What is core banking solution (CBS)?</span></h1>\r\nToday Banking as a business has grown tremendously and transformed itself from only a deposits taking and loan providing system to an institution which provides an entire gamut of products and services under a wide umbrella. All such activities commenced by a bank is called Core Banking.\r\nCORE is an acronym for "Centralized Online Real-time Exchange", thus the bank’s branches can access applications from centralized data centers.\r\nOther than retail banking customers, core banking is now also being extended to address the requirements of corporate clients and provide for a comprehensive banking solution.<br />Digital core banking offer the following advantages to the bank:\r\n<ul><li>Improved operations which address customer demands and industry consolidation;</li><li>Errors due to multiple entries eradicated;</li><li>Easy ability to introduce new financial products and manage changes in existing products;</li><li>Seamless merging of back office data and self-service operations.</li></ul>\r\n<span style=\"font-weight: bold;\">Minimum features of Core Banking Solution:</span>\r\n<ol><li>Customer-On Boarding.</li><li>Managing deposits and withdrawals.</li><li>Transactions management.</li><li>Calculation and management.</li><li>Payments processing (cash, cheques /checks, mandates, NEFT, RTGS etc.).</li><li>Customer relationship management (CRM) activities.</li><li>Designing new banking products.</li><li>Loans disbursal and management.</li><li>Accounts management</li><li>Establishing criteria for minimum balances, interest rates, number of withdrawals allowed and so on.</li></ol>\r\n<h1 class=\"align-center\"><span style=\"font-weight: normal;\">Choosing the best core banking system software</span></h1>\r\n<p class=\"align-left\">Today, there are four primary core banking providers, FIS, Fiserv, Jack Henry and D+H, that have managed to eat up 96 percent of the market share (90 percent for banks under $1 billion in assets and 98 percent for banks over $1 billion in assets). But there are also some strong players rounding out the remaining 4 percent.<br />Deciding on a core banking software solutions is the first key task for banks and credit unions looking to make the switch. But the decision is not one to be taken lightly, as pointed out by Forbes “Core technologies are evolving into highly agile architectures, and the implications for making the wrong decision will be lasting — and could put banks at competitive risk.”</p>\r\n<p class=\"align-left\">To help your bank and credit union make the best use of your resources, Gartner identified the eight key criteria that have the most impact on CBS banking system decisions:<br /><br /></p>\r\n<ul><li> Functionality</li><li> Flexibility</li><li> Cost</li><li> Viability</li><li> Operational Performance</li><li> Program Management</li><li> Partner Management</li><li> Customer References</li></ul>\r\n<p class=\"align-left\"><br /><br /><br /></p>","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/Core_Banking_System1.png"}],"characteristics":[],"concurentProducts":[],"jobRoles":[],"organizationalFeatures":[],"complementaryCategories":[],"solutions":[],"materials":[],"useCases":[],"best_practices":[],"values":[],"implementations":[]},"peoples-united-bank-online-banking":{"id":5219,"logoURL":"https://old.roi4cio.com/fileadmin/user_upload/People_s_United_Bank_Logo.jpg","logo":true,"scheme":false,"title":"People's United Bank Online Banking","vendorVerified":0,"rating":"0.00","implementationsCount":0,"suppliersCount":0,"supplierPartnersCount":0,"alias":"peoples-united-bank-online-banking","companyTitle":"People's United Bank","companyTypes":["supplier"],"companyId":8327,"companyAlias":"peoples-united-bank","description":"<span style=\"font-weight: bold;\">Online Bill Pay</span>\r\nStay organized, avoid postage, and never miss a due date with online bill pay. This convenient online banking service lets you quickly and efficiently pay bills, transfer money, set up payees and more right from your computer. Online bill pay simplifies everything.\r\n<span style=\"font-weight: bold;\">Features & Benefits:</span>\r\n<ul><li>Pay all your monthly bills in one place;</li><li>Access account balances and history of transactions from your United Bank accounts;</li><li>Set up one-time and recurring fund transfers for scheduled bills;</li><li>Easily place stops on any payments you would like to cancel;</li><li>View deposited checks images and e-statements easily.</li></ul>\r\n\r\n","shortDescription":"With Online Banking, you can manage your accounts whenever your schedule is open - anytime, anywhere. We make it easier for you to complete financial tasks so you can focus on more important things.","type":null,"isRoiCalculatorAvaliable":false,"isConfiguratorAvaliable":false,"bonus":100,"usingCount":12,"sellingCount":12,"discontinued":0,"rebateForPoc":0,"rebate":0,"seo":{"title":"People's United Bank Online Banking","keywords":"","description":"<span style=\"font-weight: bold;\">Online Bill Pay</span>\r\nStay organized, avoid postage, and never miss a due date with online bill pay. This convenient online banking service lets you quickly and efficiently pay bills, transfer money, set up payees and more ri","og:title":"People's United Bank Online Banking","og:description":"<span style=\"font-weight: bold;\">Online Bill Pay</span>\r\nStay organized, avoid postage, and never miss a due date with online bill pay. This convenient online banking service lets you quickly and efficiently pay bills, transfer money, set up payees and more ri","og:image":"https://old.roi4cio.com/fileadmin/user_upload/People_s_United_Bank_Logo.jpg"},"eventUrl":"","translationId":5220,"dealDetails":null,"roi":null,"price":null,"bonusForReference":null,"templateData":[],"testingArea":"","categories":[{"id":160,"title":"Online Banking","alias":"online-banking","description":"Online banking allows a user to conduct financial transactions via the Internet. Online banking is also known as internet banking or web banking.\r\nOnline banking offers customers almost every service traditionally available through a local branch including deposits, transfers, and online bill payments. Virtually every banking institution has some form of online banking, available both on desktop versions and through mobile apps.\r\nWith online banking, consumers aren't required to visit a bank branch to complete most of their basic banking transactions. They can do all of this at their own convenience, wherever they want—at home, at work, or on the go.\r\nOnline banking requires a computer or other device, an internet connection, and a bank or debit card. In order to access the service, clients need to register for their bank's online banking service. In order to register, they need to create a password. Once that's done, they can use the service to do all their banking.\r\nBanking transactions offered online vary by the institution. Most banks generally offer basic services such as transfers and bill payments. Some banks also allow customers to open up new accounts and apply for credit through online banking portals. Other functions may include ordering checks, putting stop payments on checks, or reporting a change of address.\r\nChecks can now be deposited online through a mobile app. The customer simply enters the amount before taking a photo of the front and back of the check to complete the deposit.\r\nOnline banking does not permit the purchase of traveler's checks, bank drafts, certain wire transfers, or the completion of certain credit applications like mortgages. These transactions still need to take place face-to-face with a bank representative.","materialsDescription":" <span style=\"font-weight: bold;\">What are the advantages of online banking?</span>\r\nConvenience is a major advantage of online banking. Basic banking transactions such as paying bills and transferring funds between accounts can easily be done 24 hours a day, seven days a week, wherever a consumer wishes.\r\nOnline banking is fast and efficient. Funds can be transferred between accounts almost instantly, especially if the two accounts are held at the same institution. Consumers can open and close a number of different accounts online, from fixed deposits to recurring deposit accounts that typically offer higher rates of interest.\r\nConsumers can also monitor their accounts regularly closely, allowing them to keep their accounts safe. Around-the-clock access to banking information provides early detection of fraudulent activity, thereby acting as a guardrail against financial damage or loss.\r\n<span style=\"font-weight: bold;\">What are the disadvantages of Online Banking?</span>\r\nFor a novice online banking customer, using systems for the first time may present challenges that prevent transactions from being processed, which is why some consumers prefer face-to-face transactions with a teller.\r\nOnline banking doesn't help if a customer needs access to large amounts of cash. While he may be able to take a certain amount at the ATM — most cards come with a limit—he will still have to visit a branch to get the rest.\r\nAlthough online banking security is continually improving, such accounts are still vulnerable when it comes to hacking. Consumers are advised to use their own data plans, rather than public Wi-Fi networks when using online banking, to prevent unauthorized access.\r\nAdditionally, online banking is dependent on a reliable Internet connection. Connectivity issues from time to time may make it difficult to determine if banking transactions have been successfully processed.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/Online_Banking.png"},{"id":287,"title":"Services Operations Management","alias":"services-operations-management","description":" <span style=\"font-weight: bold; \">Operations management for services</span> has the functional responsibility for producing the services of an organization and providing them directly to its customers. Operation management process specifically deals with decisions required by operations managers for simultaneous production and consumption of an intangible product. \r\nService operations management is concerned with the process, people, information and the system that produces and delivers the service. It differs from operations management in general, since the processes of service organizations differ from those of manufacturing organizations.\r\nThere are six types of service operations management decisions made by operations managers in service organizations: <span style=\"font-weight: bold; \">process,</span> <span style=\"font-weight: bold; \">quality management,</span> <span style=\"font-weight: bold; \">capacity & scheduling,</span> <span style=\"font-weight: bold; \">inventory,</span> <span style=\"font-weight: bold; \">service supply chain</span> and <span style=\"font-weight: bold; \">information technology.</span> \r\n<span style=\"font-weight: bold; \">Process</span> decisions include the physical processes and the people that deliver the services to the customer. A service process consists of all the routines, tasks and steps that are used to deliver service to customers along with the jobs and training for service employees. There are many ways to organize a process to provide customer service in an effective and efficient manner to deliver the service-product bundle\r\n<span style=\"font-weight: bold; \">Quality management. </span>Quality management practices for services have much in common with manufacturing, despite the fact that the product is intangible. They begin with defining and measuring the customer's needs (e.g. using SERVQUAL). Any service that does not meet a customer's need is considered a defect. Then these approaches seek to reduce defects through statistical methods, cause-and-effect analysis, problem solving teams, and involvement of employees. They focus on improving the processes that underlie production of the service.\r\n<span style=\"font-weight: bold; \">Capacity and scheduling. </span><span style=\"font-style: italic; \">Forecasting</span> demand is a prerequisite for managing capacity and scheduling. Forecasting demand often uses big data to predict customer behavior. The data comes from scanners at retail locations or other service locations. In some cases traditional time series methods are also used to predict trends and seasonality.\r\n<span style=\"font-style: italic; \">Capacity planning </span>is quite different between manufacturing and services given that service cannot be stored or shipped to another location. As a result, location of services is very dispersed to be near the customer. \r\n<span style=\"font-weight: bold; \">Inventory management and contro</span>l is needed in service operations with facilitating goods. Almost every service uses some amount of facilitating goods. The presence of facilitating goods is critical in retail and wholesale operations but these operations don't manufacture anything, rather they distribute goods and provide service while doing it. \r\n<span style=\"font-weight: bold; \">Service supply chains</span> for service operations are critical to supply facilitating goods. A typical hospital supply chain is an example. A hospital will use many goods from suppliers to construct and furnish the building. During day-to-day operation of the hospital, inventories of supplies will be held for the operating rooms and throughout the building. The pharmacy will hold drugs and the kitchen will need supplies of food. \r\n<span style=\"font-weight: bold; \">Information technology.</span>Providing information and knowledge directly to consumers, service at a distance. Internal information systems now provide an array of management information to help managers make better decisions.","materialsDescription":"<h1 class=\"align-center\"> Main Benefits of Operations Management</h1>\r\n<span style=\"font-weight: bold; \">Profitability Management.</span> With proper operations management planning, executives are able to rely on the activity and find ways to come up with new ideas on how to potentially increase sales. With an experienced operations manager, monitoring revenue and expenses becomes much easier and can dive into statements of income and profitability trends. \r\n<span style=\"font-weight: bold;\">Competitive Advantage and Incident Management for operations.</span> A business that can manage their operations can get a handle on any key internal and external factors. Internal factors can include operating policies, average attrition rate, and intellectual capital. External factors pertain to the state of economy and any rival strategies.\r\n<span style=\"font-weight: bold; \">Regulatory Compliance.</span> Operations management is concerned with analyzing operating activities. This enables corporate management to rid themselves of the days of considerably large government fines and adverse regulatory decisions. The heads of the department are able to set adequate internal controls to ensure that tasks are performed in a lawful manner.<br /><span style=\"font-weight: bold; \">Manufacturing Edge.</span> Changing or improving the way a good is produced can save a facility a large sum of money in the long run. With operations management, you are able to change or improve the way a product is made, as well as how to store raw materials more effectively. This extremely advantageous benefit aids the manufacturer through preventing a deterioration in affordability of debt. ","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/Services_Operations_Management1.png"},{"id":285,"title":"Operations and Manufacturing Applications","alias":"operations-and-manufacturing-applications","description":" Manufacturing operations management (MOM) is a collection of systems for managing end-to-end manufacturing processes with a view to optimizing efficiency.\r\nThere are many types of MOM software, including production management, performance analysis, quality and compliance, and human-machine interface (HMI). Production management software provides real-time information about jobs and orders, labor and materials, machine status, and product shipments. Performance analysis software displays metrics at the machine, line, plant, and enterprise-level for situational or historical analysis. Quality and compliance software are used to promote compliance with standards and specifications for operational processes and procedures. HMI software is a form of manufacturing operations management (MOM) software that enables operators to manage industrial and process control machinery using a computer-based interface.\r\nAdvancements in technology and market demands are enabling new capabilities in MOM software platforms, gradually closing gaps in end-user needs.\r\n<ul><li>Collaboration Capabilities: Collaboration and workflow services support people-to-people, people-to-systems, and systems-to-systems interactions, enforcing procedures and rules while flexibly adapting to real-time situations with alternate workflows and processes.</li><li>Security Services: Future manufacturing platforms will leverage common security services that determine roles, responsibilities, authorities, and access across all systems and application functions while fitting into corporate IT security schemes.</li><li>Asset & Production Model: Future manufacturing platforms will have a unified asset and production model that supports all of the interrelationships between physical production equipment, facilities, inventory/materials, and people, as well as production definitions such as the manufacturing bill of materials, productions orders, etc. This contrasts with older systems that either had subsets of these interrelationships across multiple databases or could not effectively deal with federating across multiple systems of record.</li><li>Operations Database & Historians: Evolving from older systems that had separate historians and production databases that were difficult to correlate across, service-based platforms will have a unified operations database and historian. This will capture and aggregate all time-series and production event information surrounding everything involved in each product and production run with a full genealogy of components and materials, related performance information, and federation across other systems and devices of record.</li><li>Visualization and Mobility: Today, different MOM applications support different graphical user interfaces, Web interfaces, specific mobile applications, etc. The future manufacturing platform will provide common visualization and mobility for a consistent user interface experience across different form factors, supporting dedicated and mobile workers that are orchestrated by consistent workflows and procedures.</li><li>Smaller and Focused 'Apps': Today’s monolithic systems and applications have too many interdependencies of databases, operate inconsistently, and are not inherently integrated. Being able to take advantage of many of the common software platform services described above, modular apps will be significantly smaller, simpler, and focused. These apps will be much lighter weight in functionality, and, as a result, significantly easier and faster to develop.</li></ul>","materialsDescription":" <span style=\"font-weight: bold;\">What is a manufacturing operating system?</span>\r\nA Manufacturing Execution System manages manufacturing operations such as product production rules, bill of materials, recipe data (product definition), resource management, scheduling, work batching (JiT Just in Time manufacturing), production data/logs, production performance, and some analysis.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/Operations_and_Manufacturing_Applications_1_.png"}],"characteristics":[],"concurentProducts":[],"jobRoles":[],"organizationalFeatures":[],"complementaryCategories":[],"solutions":[],"materials":[],"useCases":[],"best_practices":[],"values":[],"implementations":[]},"temenos-t24transact":{"id":3205,"logoURL":"https://old.roi4cio.com/fileadmin/user_upload/Temenos_logo.jpg","logo":true,"scheme":false,"title":"Temenos T24 Transact","vendorVerified":0,"rating":"0.00","implementationsCount":0,"suppliersCount":0,"supplierPartnersCount":0,"alias":"temenos-t24transact","companyTitle":"Temenos","companyTypes":["supplier","vendor"],"companyId":5101,"companyAlias":"temenos","description":"Temenos T24 Transact takes the deep and extensive banking capabilities of Temenos T24 Core Banking, the world’s #1 core banking product which for 25 years has been supporting over 700 banks across all banking segments, and re-platforms them onto a new, cloud-native and cloud-agnostic platform. The isolation of the banking functionality from the technology platform has been a hallmark of Temenos products and has allowed Temenos for the past 25 years to remain the most technologically advanced and functionally rich product in the world.\r\n<span style=\"font-weight: bold;\">How Temenos T24 Transact helps</span>\r\nTemenos T24 Transact is a cloud-native, cloud-agnostic, API-first core banking solution which offers:\r\n<ul><li>Rapid and elastic scale benefiting from the highest levels of security and multi-cloud resilience, generating up to 10x in infrastructure savings</li><li>Advanced API-first technology coupled with leading design-led thinking and continuous deployment to empower banks to rapidly innovate, connecting to ecosystems and enabling developers to build in the morning and consume in the afternoon</li><li>Broad and deep functional coverage across Retail Banking, Corporate Banking and Wealth Management sectors</li><li>Zero risk of obsolescence resulting from the industry-leading ongoing investment into the product which is made available to customers through a regular release and upgrade program</li><li>Ability to deploy software on-premise as well as on private and public clouds.</li></ul>","shortDescription":"Temenos T24 Transact is the most complete core banking product leveraging the most advanced cloud-native banking technology.","type":null,"isRoiCalculatorAvaliable":false,"isConfiguratorAvaliable":false,"bonus":100,"usingCount":10,"sellingCount":3,"discontinued":0,"rebateForPoc":0,"rebate":0,"seo":{"title":"Temenos T24 Transact","keywords":"","description":"Temenos T24 Transact takes the deep and extensive banking capabilities of Temenos T24 Core Banking, the world’s #1 core banking product which for 25 years has been supporting over 700 banks across all banking segments, and re-platforms them onto a new, cloud-n","og:title":"Temenos T24 Transact","og:description":"Temenos T24 Transact takes the deep and extensive banking capabilities of Temenos T24 Core Banking, the world’s #1 core banking product which for 25 years has been supporting over 700 banks across all banking segments, and re-platforms them onto a new, cloud-n","og:image":"https://old.roi4cio.com/fileadmin/user_upload/Temenos_logo.jpg"},"eventUrl":"","translationId":3206,"dealDetails":null,"roi":null,"price":null,"bonusForReference":null,"templateData":[],"testingArea":"","categories":[{"id":158,"title":"Core Banking System","alias":"core-banking-system","description":"Core (centralized online real-time exchange) banking is a banking service provided by a group of networked bank branches where customers may access their bank account and perform basic transactions from any of the member branch offices.\r\nCore banking system is often associated with retail banking and many banks treat the retail customers as their core banking customers. Businesses are usually managed via the corporate banking division of the institution. Core banking covers basic depositing and lending of money.\r\nCore banking functions will include transaction accounts, loans, mortgages and payments. Banks make these services available across multiple channels like automated teller machines, Internet banking, mobile banking and branches.\r\nBanking software and network technology allow a bank to centralise its record keeping and allow access from any location.\r\nAdvancements in Internet and information technology reduced manual work in banks and increasing efficiency. Computer software is developed to perform core operations of banking like recording of transactions, passbook maintenance, interest calculations on loans and deposits, customer records, balance of payments and withdrawal. This software is installed at different branches of bank and then interconnected by means of computer networks based on telephones, satellite and the Internet.\r\nGartner defines a core banking system as a back-end system that processes daily banking transactions, and posts updates to accounts and other financial records. Core banking solutions typically include deposit, loan and credit-processing capabilities, with interfaces to general ledger systems and reporting tools. Core banking applications are often one of the largest single expense for banks and legacy software are a major issue in terms of allocating resources. Spending on these systems is based on a combination of service-oriented architecture and supporting technologies.\r\nMany banks implement custom applications for core banking. Others implement or customize commercial independent software vendor packages. Systems integrators like Cognizant, EdgeVerve Systems Limited, Capgemini, Accenture, IBM and Tata Consultancy Services implement these core banking packages at banks. More recently, entrants such as Probanx (since 2000) and Temenos (late 1990's) have also provided entry level core banking software, focussing on neo-banks and electronic money institutions.\r\nOpen source Technology in core banking products or software can help banks to maintain their productivity and profitability at the same time. ","materialsDescription":"<h1 class=\"align-center\"><span style=\"font-weight: normal;\">What is core banking solution (CBS)?</span></h1>\r\nToday Banking as a business has grown tremendously and transformed itself from only a deposits taking and loan providing system to an institution which provides an entire gamut of products and services under a wide umbrella. All such activities commenced by a bank is called Core Banking.\r\nCORE is an acronym for "Centralized Online Real-time Exchange", thus the bank’s branches can access applications from centralized data centers.\r\nOther than retail banking customers, core banking is now also being extended to address the requirements of corporate clients and provide for a comprehensive banking solution.<br />Digital core banking offer the following advantages to the bank:\r\n<ul><li>Improved operations which address customer demands and industry consolidation;</li><li>Errors due to multiple entries eradicated;</li><li>Easy ability to introduce new financial products and manage changes in existing products;</li><li>Seamless merging of back office data and self-service operations.</li></ul>\r\n<span style=\"font-weight: bold;\">Minimum features of Core Banking Solution:</span>\r\n<ol><li>Customer-On Boarding.</li><li>Managing deposits and withdrawals.</li><li>Transactions management.</li><li>Calculation and management.</li><li>Payments processing (cash, cheques /checks, mandates, NEFT, RTGS etc.).</li><li>Customer relationship management (CRM) activities.</li><li>Designing new banking products.</li><li>Loans disbursal and management.</li><li>Accounts management</li><li>Establishing criteria for minimum balances, interest rates, number of withdrawals allowed and so on.</li></ol>\r\n<h1 class=\"align-center\"><span style=\"font-weight: normal;\">Choosing the best core banking system software</span></h1>\r\n<p class=\"align-left\">Today, there are four primary core banking providers, FIS, Fiserv, Jack Henry and D+H, that have managed to eat up 96 percent of the market share (90 percent for banks under $1 billion in assets and 98 percent for banks over $1 billion in assets). But there are also some strong players rounding out the remaining 4 percent.<br />Deciding on a core banking software solutions is the first key task for banks and credit unions looking to make the switch. But the decision is not one to be taken lightly, as pointed out by Forbes “Core technologies are evolving into highly agile architectures, and the implications for making the wrong decision will be lasting — and could put banks at competitive risk.”</p>\r\n<p class=\"align-left\">To help your bank and credit union make the best use of your resources, Gartner identified the eight key criteria that have the most impact on CBS banking system decisions:<br /><br /></p>\r\n<ul><li> Functionality</li><li> Flexibility</li><li> Cost</li><li> Viability</li><li> Operational Performance</li><li> Program Management</li><li> Partner Management</li><li> Customer References</li></ul>\r\n<p class=\"align-left\"><br /><br /><br /></p>","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/Core_Banking_System1.png"}],"characteristics":[],"concurentProducts":[],"jobRoles":[],"organizationalFeatures":[],"complementaryCategories":[],"solutions":[],"materials":[],"useCases":[],"best_practices":[],"values":[],"implementations":[]}},"aliases":{"1":["oracle-flexcube","peoples-united-bank-online-banking","temenos-t24transact"]},"links":{"first":"http://apis.roi4cio.com/api/products?page=1","last":"http://apis.roi4cio.com/api/products?page=1","prev":null,"next":null},"meta":{"current_page":1,"from":1,"last_page":1,"path":"http://apis.roi4cio.com/api/products","per_page":20,"to":3,"total":3},"loading":false,"error":null,"useProductLoading":false,"sellProductLoading":false,"templatesById":{},"comparisonByTemplateId":{}},"filters":{"filterCriterias":{"loading":false,"error":null,"data":{"price":{"min":0,"max":6000},"users":{"loading":false,"error":null,"ids":[],"values":{}},"suppliers":{"loading":false,"error":null,"ids":[],"values":{}},"vendors":{"loading":false,"error":null,"ids":[],"values":{}},"roles":{"id":200,"title":"Roles","values":{"1":{"id":1,"title":"User","translationKey":"user"},"2":{"id":2,"title":"Supplier","translationKey":"supplier"},"3":{"id":3,"title":"Vendor","translationKey":"vendor"}}},"categories":{"flat":[],"tree":[]},"countries":{"loading":false,"error":null,"ids":[],"values":{}}}},"showAIFilter":false},"companies":{"companiesByAlias":{},"aliases":{},"links":{},"meta":{},"loading":false,"error":null},"implementations":{"implementationsByAlias":{},"aliases":{},"links":{},"meta":{},"loading":false,"error":null},"agreements":{"agreementById":{},"ids":{},"links":{},"meta":{},"loading":false,"error":null},"comparison":{"loading":false,"error":false,"templatesById":{},"comparisonByTemplateId":{},"products":[],"selectedTemplateId":null},"presentation":{"type":null,"company":{},"products":[],"partners":[],"formData":{},"dataLoading":false,"dataError":false,"loading":false,"error":false},"catalogsGlobal":{"subMenuItemTitle":""}}