Solution

eICBA Banking System

Business Architecture

eICBA Banking System leverages the business functionality gained by INFOPRO over decades of experience and expertise as banking solution provider. In essence, eICBA Banking System provides the full spectrum of Conventional and Islamic Banking operations at all levels of banking, including retail, commercial, small-to-medium size enterprises (SME) and corporate levels. The solution supports a rich variety of products which covers deposits, including savings accounts, checking accounts, overdraft accounts, term deposit accounts and a variety of lending products including personal loans, corporate loans, and mortgages, along with a full complement of transactional services incorporating remittances, foreign exchange, drafts, banker’s cheques, cards and trade finance.

These capabilities are accessible through multiple channels, from branch to call center to Internet and mobile banking. The solution integrates front, middle and back-office processes in real-time, providing bankers throughout the organization with complete timely and actionable information about customer relationships and providing a single view of the bank to the customer.


 

 

In brief, the eICBA Banking System supports the following areas of business:
 
Conventional Banking

  • Deposit Management
    • Demand deposit account
    • Savings account
    • Term deposit accounts
    • Cash management for corporates
    • Liquidity management for corporates

 

  • Loan Origination
    • Loan calculator
    • Credit evaluation
    • Conveyancing
    • Loans disbursement

 

  • Credit Management
    • Credit administration
    • Credit risk assessment
    • Credit risk monitoring
    • Credit review
    • Litigation

 

  • Debt Collection
    • Management of delinquent accounts
    • Loans recovery
    • Litigation

 

  • Trade Finance
    • Documentary credit
    • Documentary collection
    • Shipping guarantee
    • Bank guarantee

 

  • Treasury
    • Liquidity and funds management
    • Asset Liability Management (ALM)
    • Risk management
    • Funds transfer pricing
    • Foreign exchange
    • Money market
    • Derivatives
    • Front office management
    • Middle office management
    • Back office management
Islamic Banking

  • Islamic Deposit
    • Demand deposit account
    • Savings account
    • Term deposit accounts
    • Cash management for corporates
    • Liquidity management for corporates

 

  • Financing Origination
    • Financing calculator
    • Financing evaluation
    • Conveyancing
    • Financing disbursement

 

  • Islamic Financing
    • Financing administration
    • Financing risk assessment
    • Financing risk monitoring
    • Financing review
    • Litigation

 

  • Debt Collection
    • Management of delinquent accounts
    • Financing recovery
    • Litigation

 

  • Islamic Trade Finance
    • Documentary credit
    • Documentary collection
    • Shipping guarantee
    • Bank guarantee

 

  • Islamic Treasury
    • Liquidity and funds management
    • Asset Liability Management (ALM)
    • Risk management
    • Funds transfer pricing
    • Foreign exchange
    • Money market
    • Derivatives
    • Front office management
    • Middle office management
    • Back office management

 

Common suites in eICBA Banking System that apply to both Conventional and Islamic banking:-

 

  • CIF 360°
    • Customer insights
    • Customer segmentation
    • Total exposure
    • Relationship banking
    • Profitability analysis
    • Anti-money laundering (AML)
    • Sanction screening

 

  • Payment
    • Remittances
    • SWIFT
    • RTGS
    • ACH
    • Payment hub
    • Reconciliation and settlement
    • Card management
  • Accounting
    • General ledger
    • Fixed asset
    • Accounts receivable
    • Accounts payable

 

  • Interfaces
    • Host-to-host
    • ISO8583
    • ISO20022
    • 3rd party systems
    • Credit bureaus
    • Rating agencies
    • International & Domestic Payment Card Interchange
    • Social network