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A PRODUCT OF MAINTEC TECHNOLOGIES PVT. LTD "... BankVision is a complete solution for Computerization of a bank of any size with any number of branches." "... BankVision uses state-of-the-art application technology.

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slide1

A PRODUCT OF

MAINTEC TECHNOLOGIES PVT. LTD

slide2

"... BankVision is a complete solution

for Computerization of a bank of any size

with any number of branches."

"... BankVision uses state-of-the-art application technology.

BankVision comprehensively brings every aspect of Bank management and operations into on-line computerization simultaneously."

slide3

INTRODUCTION

BankVision is an fully integrated online banking application on the leading edge of Financial System Technology. BankVision uses state-of-the-art application technology to simultaneously and comprehensively bring every aspect of Bank management and operations into on-line system.

It combines the power ofASP.Net andanyRelational Database Management System (RDBMS)

slide4

SALIENT FEATURES

Sequential Audit Trial

Auditor’s audit trial

Single Window Concept

Any Branch Banking

Delivery channels – ATM, Internet/Tele/Mobile

Banking

Foreign Exchange Transactions (FOREX)

Multi-lingual interface

Multi Currency

Payment Mechanisms- Debit/Credit/Smart cards,

EFT, ECS, RTGS etc.

slide5

ABOUT BANKVISION

  • Uses existing data infrastructure, and eliminates expensive and

time consuming data repository duplication efforts.

  • Maintains a comprehensive audit-trail and fixes accountability

by individual, for each transaction.

  • User definable generic reports
  • Infinitely expandable and can handle infinite branch expansion.
slide6

ABOUT BANKVISION

Give customers instant access to account information and provide the flexibility to carry out financial & non- financial transactions 24 hours a day from anywhere in the world in a highly secure environment.

Provides Internet access & transaction capability to multiple products and services offered by a financial institution - Current & Savings Accounts, Loans, Time Deposits, Mutual Funds and Securities.

Customers can also monitor their accounts through e-mail and SMS alerts that are triggered by a customer-managed set of events.

BankVision also supports corporate accounts requiring complex access schemes and transaction privileges.

slide8

Security

Efficiency

Ease of Operation

Reporting

Reconciliation of Accounts

Online Help and Search/query operation

Automatic reconciliation of inter branch transactions

Soft locking of screen

Accuracy of transactions

slide9

Area wise reports for Deposits, Loans etc.

Bank’s Book of Instructions made redundant

Dynamic parameterisation/configuration.

Export of data to any formats like .EXL, .DOC etc.

Voucher printing

Scheme based product definition

Bi-lingual interface

Email can be sent to customer’s mobile phone as alerts

or to their POP servers there by bank can keep in touch

with the customer more effectively.

slide10

Customer worthiness – transaction wise

  • Exceptional transaction alerts – Triggering of events
  • Remote installation/support – saves man hours
  • Integration to latest delivery channels like ATM, SMS,

Mobile, Internet Banking

  • Integration to Document Management
  • Designed to work on multi-platform like SQL, DB2,

Oracle etc.

slide11

Option to go for branch or any branch or centralized

banking solution (distributed and centralized solution)

Min. usage of infrastructure

Money laundering compliance solution providing

Know Your Customer, Regulatory reporting and

Transaction scanning

Easy addition of users and branches

Target and Budgeting

Productivity of staff

Management cost analysis

slide12

Account number as per customer’s wish/choice (Sankya Shastra-

numerology)

Personalized cheque book printing

Smart card enabled

Multi channel banking

Single window concept

Support for payment mechanisms like EFT, ECS, Debit Cards, Smart

Cards, RTGS etc.

Standing Instruction facility

slide13

The key features of BankVision which makes the software the most comprehensive and efficient Banking System.

slide14

Real integrated approach

Rational approach towards transactions.

On-line help and search utility

Concurrent working on the same customer account on

different terminals.

Complete coverage of Banking requirements including

comprehensive reports.

slide15

Global Customer ID concept – write once use ‘n’ number

of times

System is designed to interact with any kind of external

data like encoding of cheques, Pass sheets to customer

through Smart Cards etc.

slide16

Consolidated Financial Report generated from Head

office.

Monitor Branch Activities.

Centralized and decentralized shareholding.

Multi branch clearing operations

Possibility of Inter-Branch instructions

Remote Auditing

All configuration/changes done at HO and no control of

data at branches in case of CBS

slide17

Trigger an event, when SB of defaulter got deposited

with funds for recovery of the same

On maturity of a Deposit, if any loan is pending against

the deposit, the loan will be recovered automatically.

e-Notice can be sent to overdue customers

through Mobile and e-mail.

Area wise list of default accounts to minimise the

recovery process time

slide18

Queries can be on Name, Address, Street, House No,

Area, PIN, Date of birth, Age, Spouse name etc.,

Documents, Acknowledgment etc., can be printed

Cheque discounting facilities.

TDS forecasting at the time account opening

slide19

Once the Pass Book transaction entries are printed and

given to a customer, they are not repeated, when next

requested by the customer, transactions are not

repeated. The computer will print only the subsequent

entries.????????

Issue of Cheque Books are properly maintained for each

account. When a cheque is presented for withdrawal of

clearance, the cheque number and the account number

of the issuer is accordingly validated. ????????

slide20

Availability of insufficient amount for recovery of a loan

can be adjusted towards various components with

appropriate priority.

Provides tools for reconciliation of various accounts,

which is otherwise a very tedious job.

Automatic handling of Charges / surcharge and fines

Facility to know incomplete transactions at the end of

the day.

Keeps track of multiple standing instructions for a given

customer

slide21

Context-sensitive on-line help by using Function keys,

available where ever necessary.

No need to remember codes.

The menu is so user-friendly that training can be

imparted in a few sessions.

There are no lengthy day-begin or day-end procedure.

User definable hot keys.

Marking options

slide22

Automatic renewal of Fixed Deposits possible.

  • Automatic crediting of FD interest in respective SB

accounts.

  • Automatic recovery of loan.
  • Automatic subscription towards Recurring Deposits.
  • Facility for Stop Payment instructions.
  • Facility to know Standing Instructions carried out on a

day.

  • Variety of other Standing Instructions.
slide23

Facility of unique user number and password, eliminating

unauthorized users.

Operational rights for each user/terminal can be defined.

Thus, a user can have access to specific terminals and

specific options only.

For each transaction, the system keeps track of both the

Clerk and the Officer who were involved in it. This helps in

identification of who initiated each entry, eliminating

thereby the possibility of errors and deliberate fraud.

Facility to print User log to know the history

slide24

Implementation can be from manual to on line process

from a legacy system to our on line process

  • The systems comes with a module wise Implementation

of Software which makes it possible to computerize the

branch in stages.

slide25

Special facility to handle salary cheques received from

different organization.

Handles advanced communications received in respect

of clearing cheques returned late.

It is possible to monitor the activities of all terminals on

remote terminal, by the Manager or the person in-

charge.

Any number of joint holders can be permitted in

opening of an account.

slide26

Disbursement of loans can be handled with multiple

payments. Also, the scheduling of the loan amount

sanctioned, over the entire period of repayment, is done

automatically by the system.

Facility to search for the accounts held by a person by

giving his/her name or even part of the name.

Facility to know all types of accounts held by a customer

across all branches.

slide27

Facility to issue a single or consolidated PO / DD for

more than one purpose.

Large number of otherwise complex returns and

reports are easily available.

Handles special instructions given by customers for

operating their accounts.

slide29

TBA MODULES FORCONVENTIONAL / ISLAMIC BANKSCash, Membership, Demand Deposits, Term Deposits, Other liabilities, Trade finance, OD & Cash Credit, Short term loans, Term Loans, Remittance, Other Assets, Profit & Loss account, General Ledger

slide30

Telephone Banking gives you easy access to customer accounts, automatically updated information and user-friendly services--24-hours a day, 7 days a week. Pay bills, check account balances and transaction history, transfer between accounts and more. With helpful interactive voice prompts to guide you, Telephone Banking lets you complete your daily banking transactions within minutes

slide31

FEATURES

Data input by voice/keypad

Data output by voice/fax/e-mail

Encryption of input/output data

Customer authentication by password/PIN

slide32

In Internet Banking as with traditional banking methods, security is a primary concern. At Maintec our member banks have taken every precaution necessary to be sure your information is transmitted safely and securely. The latest methods in Internet banking system security are used to increase and monitor the integrity of the online banking application.

Internet Banking offers for On-line account balance checking, fund transfers, utility payments (on the spot & scheduled) and consumer loan applications.

slide33

This feature allows secure transmission of data, and information from the application to the customers mobile phone thereby not restricting the usage to only WAP phones. There is a seamless interface between the wireless infrastructure (networks, handsets, operators) and the banking application. Data can be sent to any type of mobile wireless devices using either GSM or WAP.

Customers can check their account balances through their mobile phone using SMS. Bank can send email as an alert to customer’s mobile phones or to their POP servers.

slide34

Customers are, in fact, becoming more insistent on this service from their banks, which enables them to make withdrawals and remittances at any branch of their bank, anywhere in the country. Customer-focused banks are therefore en-cashing this demand to not only sustain customer loyalty, but indeed, expand their customer base, using the service as a major selling point.

And when it comes to realising the concept, they increasingly prefer ABB from Maintec attracted as much by the product's power and features as by Maintec's solid credentials in Banking Technology.

slide35

Using Automatic Teller Machines makes 24 hours banking Possible. Customer can withdraw money using their ATM cards.

slide36

INSTANT REPORTING

BankVision's Reporting Suite differs from traditional business intelligence software in that it gathers data from messaging systems that are relaying transactional information between applications. It can generate reports from data warehouses as well. In addition, it supports instant messaging, e-mail and Short Message Service (SMS) technologies.

This software also taps into historical data stored in existing relational data sources, such as Microsoft SQL Server, Oracle. It then combines all the information and presents it to business users in various report formats which can be defined / customized by the user.

slide37

BankVision incorporates an array of security procedures and devices to make certain that your confidential transactions remain private.

Your BankVision Internet Banking and Bill Pay sessions are secure and private. BankVision uses secure web servers with Secure Sockets Layer (SSL) technology at 128-bit encryption for Internet Banking transactions.

BankVision use a combination of technologies to keep your account secure.

slide38

ENCRYPTION

This technology scrambles the data relating to your

account to ensure that your information cannot be read

by anyone else.

Encryption is a process that involves changing a string

of letters and numbers into a code that is

unrecognisable to anybody else who should try to gain

access to your personal details. Our decoding program

is the only one that can decipher the code.

slide39

DIGITAL CERTIFICATE

Communications between our system and your PC use the latest 'digital certificate technology', which ensures that you communicate with us - and only us - when you sign on to Internet Banking. Verisign, the leader in 'Certification Authority‘, authenticates each visit.

slide40

PERSONAL SECURITY

When you sign on to Internet Banking you will be asked to enter

Your Customer Number. This is the number we give

you when you register (you cannot choose this

number).

  • Your Memorable Data. This can be any one of the

three items (date, place or name) that you provide us

with when you register.

  • Your ID-number, given to you when registered.