A solution for Deposits that allows comprehensive management of liability products with integration to channels and payment systems . Flexibility in the definition of products, channels and adaptable transactional and accounting scheme.
FINANCIAL SERVICES: DEPOSITS
SAP LOANS MANAGEMENT
SAP DEPOSIT MANAGEMENT
NEED
The organization requires a solution for the management of passive fund-raising operations and for a comprehensive management of savings accounts, current and time deposits, this solution must:
BE FLEXIBLE
In the definition of collection products, which includes all the processes from the opening of the account to the closing and allowing operations for deposits or cash withdrawals, interest accrual, extra or transactional charges, direct debit operations, recurring debits or credits and integration with external entities through standard messaging mechanisms (eg SWIFT) to carry out interbank transfers or to external customer accounts.
TO INTEGRATE
The accounting part, tax calculations and regulatory reports.
PROVIDE
Integration with Account Origination and Portfolio Management solutions to automatically create account operations and make payments or disbursements from the portfolio modules.
SOLUTION
Our checking, savings and certificate of deposit management solutions cover all process needs for these financial products.
The organization can quickly and flexibly design products based on an adaptive condition model by activating and deactivating transactions and functions.
It allows to connect with transactional payment systems using standard open interfaces.
The configuration of these products allows establishing the different operating policies , such as: rates, terms, renewal and cancellation terms, overdrafts, interest accrual methods, account statements and all the required transactional operations.
It allows direct debit operations , such as recurring and scheduled debits or credits, transfers between internal accounts or with other banks through standard Swfit messaging.
Our solution can be expanded without modifications . Its adaptable design of integration with the modules of clients, accounting, loans and reporting / business intelligence and a flexible scheme of events where the requirements of each bank can be implemented.
PRINCIPAL FUNCTIONS
Integration with the customer module (CIF) . It allows the integration of the different business partners such as the holders, authorized persons, recipients of correspondence and contact person, among others.
It allows setting the conditions for Interest such as debit, credit, overdraft interest, transaction interest and commitment interest
It allows setting the conditions for Charges such as transaction charges, item charges, payments for commercial activities / account statements, maintenance charges, direct charges
Allows you to set overdraft limits, external limit and internal limits
Supports the management of the definition of products such as activating and deactivating transactions and functions, default fields and account types
It allows the administration of checkbooks . Check inventory management, control, blocking and management processes
Allows you to configure the different tax concepts depending on the nature of the transaction and customer
Her organization
will have tangible benefits such as:
Comprehensive management of liability products with integration to means and payment systems
Flexibility in the definition of products and configurable in the transactional and accounting scheme
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