Our Solutions

“We offer value-added, scalable, and world-class IT Solution serving multiple business areas of banking industry as well as other industries.”

Choosing a system that meets the requirements today is relatively easy; the real challenge lies in finding one that is flexible enough to meet future business needs. Therefore, it’s imperative to invest in not only a customizable and technologically superior system but also in one that is future-proof.

We have a partnership with the best Technology Principals to provide real-time results in optimized business processes and effective people management.

In this information technology era, combining products from the world’s leading technology principals enables us to present

"Technology Innovation for Success."

Core Banking System

Our Core Banking System is the world’s most widely used core banking system and provides a technically advanced, SOA-based front-to-back platform for banks in over 120 countries, from small community banks to large retail banks with over 15 million accounts. It's a modular, functionally rich, fully integrated, real-time banking application, that has revolutionized the core banking system industry by removing the need for end-of-day processing and enabling 24/7/365 online operation.

The flexible, open technical architecture, combined with the richness of functionality of the solution enables banks to respond to evolving market needs, providing core competitiveness for the future. Our Core Banking is available as a model bank implementation, with pre-configured services and best practice banking processes and workflows built in, to allow for an easier, more cost effective and low risk out-of-the-box implementation; or a more tailored approach for customers preferring differentiation.

Our Core Banking System users are proven to be more profitable than their peers: analysis on data from The Banker – top 1000 banks shows that Temenos customers enjoy a 62% higher return on capital, a 54% higher return on assets and a cost/income ratio that is 7.2 points lower than other Core Banking System customers.

Business Intelligent

Amid uncertain economic conditions, changing demographics, and a crisis of confidence in the markets, customer focus and risk management continue to be fundamental drivers for profitability and market share. The urgent need for information to help address these priorities compels company to attempt complex data integration and warehouse initiatives. But lengthy and costly IT projects are hardly an option in today’s challenging marketplace. With our solution in-memory analysis, companies can quickly and affordably offer visibility and analytical capability directly to business users, empowering informed decision making and action based on insight.

Our Solution’s associative, in-memory analysis platform lends itself well to mobile device support. Via mobile devices, famous interactivity and ease of use is available to users when and where they need it. Mobile clients connect to a Server, where all the data is stored that is needed for analysis. Users can view and interact with charts, graphs, and list boxes anywhere they have Internet access.

Supporting the following popular mobile devices:

iOS devices
Android devices

XBRL Solutions

As external reporting across countries and regulators adopts XBRL as an information standard, it is becoming increasingly important for firms to consider seamless reporting systems to meet regulatory compliance. Since many of the firms have already invested in ERP, consolidation system and financial disclosure systems, CFOs and CIOs are increasing looking for non disruptive solutions which can be added as an additional layer on existing systems and automate the evolving regulatory XBRL compliance process.

Moreover, integration of XBRL into internal reporting systems bring significant advantages towards building additional processing and analytical modules for internal usage both within a company and across companies within a business group.

Our XBRL Solution is developed as an end to end integration solution using the XBRL GL specifications to create an XBRL layer on the existing systems and enable creation of multiple XBRL based reports. Our XBRL Solution implementation typically takes as input the trial balances of companies and divisions across the various existing ERP and accounting systems of a business group to build the XBRL data repository and thereon seamlessly create financial reports based on the regulatory reporting taxonomies.

Customer Communication Manager

Our solution improves customer experience through the automation of customer communications. Both business-to-business (B2B) and business-to-consumer (B2C) organizations use our customer communications management solutions to create, produce, and distribute enterprise documents on-demand—and engage more profitably with customers.

Personalized documents are created through rules-based dynamic assembly and presented to customers, partners, and suppliers in multiple formats across multiple channels to drive business impact. From one-to-one contact to the high volume, mass production of documents, Our Customer Communications Management simplifies and automates document-related business processes to improve business performance and efficiency. Simple to deploy and maintain, our customer communications management solutions deliver dynamic composition, document process automation, and output management capabilities.

Designed to scale across any document-driven business process, Our Customer Communications Management integrates easily with ERP and supply-chain systems and applications, including those from SAP®.

Treasury & Derivatives Solution

To respond to changes in market conditions, emerging regulatory guidelines, and new industry standards, Global Corporate Treasurers need access to real-time cash, trading and liquidity management. They need to improve cash visibility across the enterprise, optimize their financial hedging and intercompany funding activities, and analyze overall financial risks encountered by the corporation for strategic decision making.

Our Cash and Treasury Management Solution enable Corporate Treasurers and CFOs to meet their key objectives on a single integrated, easy-to-use, and cost-effective platform. Our Solution provides:

Consolidated world-class cash and treasury management
Enterprise-wide cash visibility, forecasting and reporting
In-house bank functionality and payments factory
Real-time risk management
FX, Interest Rate and Commodity trading and hedging
Scalable modern technology – open standards support for SWIFT
Regulatory compliance with hedge accounting standards FAS133 / IAS39

Risk Management Solution

Risk managers and regulators are demanding increased transparency and efficiency in risk analysis to address the heightened challenge of providing meaningful risk information. Better data management will provide better internal management and detailed reporting for the Board as well as information that is critical to the growth and stability of the global market to the external Regulators.

Our Risk Management Solution provides a unified risk and profitability analysis and covers broad scope and depth of financial analysis. Our Risk Management Solution includes following modules:

Asset Liability Management
Market Risk
Credit Risk
Basel II
Liquidity Risk
IFRS
Solvency II
Fund Transfer Pricing
Economic Capital Allocation

Electronic Payment System

In this globalization era, financial service providers find themselves operating in an extremely complex and especially aggressive competitive environment, where profit margins are constantly under pressure. Whilst competitors are becoming more diverse and entering the industry with relative ease, consumers are becoming considerably more educated, experienced, demanding and are more prone to switching providers than ever before.

Our Electronic Payment System includes EFT Switch and Card Management System is state-of-the-art EFT product family that incorporates a comprehensive range of integrated and flexible products and is fit to satisfy an array of customer needs from fully functional back and front office through sophisticated fraud detection and monitoring , robust interchange and card personalization to EBPP (Electronic Bill Payment & Presentment), mobile , internet banking , and e-commerce and other refined and innovative products and solutions able to support every aspect of electronic payments.

By being functionality rich, highly customizable, continuously enhanced, yet affordable, our Electronic Payment Solution offers financial institutions of any size the ability to supply differentiated and ever-improving services at competitive prices, thus creating a competitive advantage and ensuring customer satisfaction and loyalty in this turbulent environment.

EFT Switch Solution

Our Electronic Payment System includes EFT Switch and Card Management System is state-of-the-art EFT product family that incorporates a comprehensive range of integrated and flexible products and is fit to satisfy an array of customer needs from fully functional back and front office through sophisticated fraud detection and monitoring, robust interchange and card personalization to EBPP (Electronic Bill Payment & Presentment), mobile, internet banking, and e-commerce and other refined and innovative products and solutions able to support every aspect of electronic payments.

Card Management Solution

Today, financial service providers find themselves operating in an extremely complex and especially aggressive competitive environment, where profit margins are constantly under pressure. It is a true challenge to maintain an existing customer base let alone broaden it. Whilst competitors are becoming more diverse and entering the industry with relative ease, consumers are becoming considerably more educated, experienced, demanding and are more prone to switching providers than ever before. To stay competitive and ensure customer satisfaction and loyalty, issuers, as well as acquirers, must offer not only a broad range of differentiated and ever improving services at competitive prices but also ensure availability, flexibility, security and provide exceptional customer and merchant service.
Our Card Management System can deliver all these and many more advantages to a financial institution of any size in order for them to pass on the same benefits to their customers – merchants or cardholders and prosper in this market. Our Card Management System is a state-of-the-art scalable system delivering a variety of automated back office functions for both issuers and
acquirers that include the following:

Management of payment cards issuance and their circulation
Acquiring and merchant management
Personal and corporate account management
Reporting
Analysis
Customer Service

In addition, Our CMS incorporates a wide range of retail functions and aids the management of personal and retail sector accounts and payments. As such, our CMS is able to help a financial institution to satisfy more than just the ‘making payments’ needs of a customer, it is equipped with functionalities allowing for the fulfilment of a customer’s saving, borrowing and securing needs. The product offers support for a wide range of retail banking operations, multiple card products, account and payment types.

Instalments
Instalment and loan schemes provide bank customers with an opportunity to purchase expensive goods and services through a pre-agreed payment plan. The current life style of many consumers demands more flexible instalment credit and repayment schemes than ever before. The Instalments module provides flexible initiation and repayment functionality along with various payment channels to accommodate customer requirements and expand a financial institution’s card business within the consumer finance sector.

Revolving Credit Card
Card-based consumer financing is an expanding area within the card industry enabling considerable improvement of the bottom lines. Innovative products, such as revolving credit cards, can not only boost profits but also help to widen customer bases. Revolving Credit Card module offers effective credit card management, provides flexible and rich functionality, extends to accommodate corporate credit card functionality, reduces the credit risk and increases the income from active customers’ use of the credit.

Additionally, with Our CMS a financial institution not only gains access to a variety of built-in pre-defined financial schemes but also to development tools that enable the design of their own financial products or services whilst employing minimum amounts of resources. Our CMS is fully integrated with front-end, card personalization, fraud analysis and interchange systems.

Fraud Detection and Monitoring Solution

It is no secret that fraud on bankcards costs millions of US dollars every day. Fraudsters are never at rest and continuously develop new fraudulent techniques and particularly target unprotected organizations. If the problem is ignored, fraud costs will escalate extremely rapidly and can lead to the most dramatic consequences for a financial institution in any market. Unfortunately, it is not enough to be quick in response to fraudulent actions, today’s situation is calling for more proactive rather than reactive measures.

Our Fraud Detection System offers the ability to always stay one step ahead of fraudsters. Whilst continuous upgrading of the product lets a bank stay ahead of criminal manipulations, its exceptional flexibility allows banks to define rules specific to the market or common fraud cases in the region.

Our Fraud Detection System performs the analysis of data uploaded into the Data warehouse subsystem and provides a set of tools for automatic detection of what might be fraudulent actions at the time transaction data enters data storage (online and quasi-online modes) based on predetermined rules. The analysis can be performed based on issuers’ as well as acquirers’ transaction data, for On-Us and Not-On-Us transactions, clearing data presented by payment networks and can cover the entire transaction life-cycle (Authorization, Presentment, Copy Request, Chargeback, etc.).

At its core, Our Fraud Detection System has customer-defined business rules that follow business as opposed to programming logic. Customers can enjoy an extensive set of tools that allow them to customize the system according to their particular market characteristics, business needs and other preferences, and includes: designing of user-defined algorithms, business rules, documents, etc., all of which use an in-built advanced GUI. Additionally the system has built-in advanced reporting facilities.

And also adds flexibility in the way that it allows for a certain part of a rule to be disabled if the system is overloaded. The most risky and suspicious cases will be detected even at peak times of the system’s activity as the most critical rules are always processed in online or quasi-online modes. The less dangerous cases will be identified after activity loads return to normal levels and less crucial rules are enabled again.

Our Fraud Detection System employs two methods of analysis: object activity analysis (cards, accounts, merchants, branch tellers) and transaction flow analysis (attributes, sequences, patterns). As such the system utilizes two types of user-defined rules that can be created using SQL Markup Language or advanced object-oriented facilities for algorithmic schemes’ graphical editing (respective of two types of analyses).

Its not only automatically and effectively monitors and detects suspicious operations, it also has an advanced system of alerts and can be set to automatically act in their response, whereby it triggers a particular action, for example: block card, reduce limit (determined by an algorithm) or start case investigation (managed by dispute managers); it also advises on actions to be taken and documents all the procedures.

Our Fraud Detection System has been successfully certified by Visa International and therefore, it meets the criteria for compliance with the CEMEA Acquirer and Issuer Monitoring Standards.

3D-Secure Compliant Solution

To further enhance security for payments made via the Internet and promote the overall growth of e-commerce, the leading payment systems have rolled out programs (such as Verified by Visa and MasterCard Secure Code) based on the 3-D Secure protocol. The programmers are designed to benefit all participants by enabling issuers to authenticate cardholders during an online purchase.

As one of the tools in the fight against online fraud, TranzWare e-Commerce is purposed for advanced and reliable Internet transaction authenticity checks based on 3-D Secure protocol and is a part of the Verified by Visa and MasterCard SecureCode programs that make it compulsory for cardholders to verify their identity to their bank at the point of online purchase. The product has two separate modules – TranzWare Access Control Server (ACS) and TranzWare Payment Gateway (TWPG) designed for issuers and acquirers respectively. Bank customers can easily enroll for the service either via an Internet banking website or at an ATM.

TranzWare eCommerce also has host of additional security features including various access certificates, digital signature verification, support of DPA/CAP, etc., making it an ideal platform for building a secure and well performing e-business.

TranzWare e-Commerce seamlessly integrates with other TranzWare products, external customer authentication systems (via multi-factor mechanisms) and other systems. It has also been repeatedly successfully certified for compliance with 3-D Secure.

Enterprise Loyalty Solution

Our Loyalty Solution is an enterprise loyalty and marketing platform that allows an organization to reward the entire relationship between the organization and their customers. It allows any organization to understand and change the behavior of their customers by identifying in real-time who they are and how they use their products and services, rewarding them accordingly, communicating with them and tracking the results to prove that the change happened.

With our loyalty solution, customers are rewarded in a consistent way across all payment platforms be it card, mobile, or the internet and across all the products and services they use or buy and across all channels , be it physical or virtual.

The Real-time Loyalty and Marketing Engine allows processing any type of request such as transactions, events and operations related to the Card/Payment/Product/Channel of the bank, for which an action is required.

Please contact us for more information.