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:

 


 
Solutions (Conventional & Islamic)
  • Core Functions
  • Retail Banking
  • Corporate Banking
  • Private Wealth Management
  • Trade Finance
  • Treasury Operations
  • Channels & Integrations

Core Services
  • Enterprise Customer Relationship Management
  • Deposits (includes SA, CA, Term Deposits, etc)
  • Lending (includes Term Loans, Leasing, HP, Mortgage etc)
  • Remittance
  • Payments
  • Loans Origination System (LOS)
  • Debt Collection System (DCS)
  • Litigation
  • Recovery
  • Collateral Management
  • Risk Management
  • Business Performance Management
  • Accounting & General Ledger
  • Regulatory MIS
  • Document and Image Management
  • Product Builder
  • Workflow Management
  • Other Core Support Services
    (e.g. Multi-company, multi-currency and multi-language configurator)

Retail Banking
  • Equities and Bonds
  • Cash Deposits and Accounts
  • Asset Management - Discretionary and Advisory
  • Portfolio Rebalancing
  • Performance Reporting
  • Portfolio Management and Accounting
  • Execution only Transaction
  • Alternative Instruments
  • Structured Products
  • Third party commissions and trailer fees
Private Banking
  • Securities
  • Portfolio Management
  • Portfolio Modeling and re-balancing
  • Portfolio reporting including performance
  • Fiduciaries
  • Intermediary (agent) compensation and commissions

Treasury
  • Money Market
  • Foreign Exchange
  • Derivatives
  • Securities
  • Repositories
  • Futures & Options

Corporate/Wholesale
  • Commercial Lending
  • Syndicated Lending
  • Letters of Credit
  • Documentary collections
  • Bills
  • Guarantees & Standbys
  • Leasing
  • Cash Management

Channels
  • Branch
  • ATM / EFTPOS
  • Call centre
  • Internet Banking *
  • Mobile Banking *
  • Other electronic channels *

Integrations (External Systems)
  • Credit Bureaus
  • Card Issuers
  • Insurance
  • Clearing Houses
  • Rating Agencies
  • Payment Gateways
  • Market Feeds
  • Regulators
  • Back-End Systems