Solution

eICBA Banking System

Technical Architecture


The eICBA Banking System represents a major leap in the technological architecture of banking systems. Multi-tiered, Web-enabled, designed to conform to Service Oriented Architecture (SOA) and Open Standards, and built on the Java Platform, Enterprise Edition (Java EE) technology, the eICBA Banking System is the next-generation financial services platform that encapsulate highly efficient business process infrastructure that is cost-effective and open platform.

Architected from its inception to be secure, modular and highly scalable, the eICBA Banking System incorporates an innovative Enterprise Application Infrastructure component that makes it ready for future integration with external systems, business partners and customers. This advanced technology infrastructure, in addition to the 24x7 operations capabilities, multi-channel, multi-country and multi-currency implementation options, and world-class business functionality provides financial institutions a competitive advantage in an ever-changing global marketplace.

 

Open Standards & Open Systems


The eICBA Banking System is developed based on standard enterprise framework called eICBA Enterprise Architecture, which is a derivative of a widely adopted industry standard - The Open Group Architecture Framework (TOGAF). The TOGAF platform provides a consistent framework and strategic context for the evolution of the eICBA Banking System in response to the constantly changing needs of the business environment.

eICBA Banking System’s commitment to open standards and systems means the solution remains independent and not locked-in to any particular vendor technology. This feature, together with the support for an extensive range of technology platforms, gives banks the freedom to choose the best vendor or environment for their implementation based on factors such as cost, performance and support.
Essentially, eICBA Banking System supports the following open standards:

  • Open Systems
  • Database Standards
  • Java EE Application Platform
  • HTML / XHTML Standards for User Interface
  • XML and Web Services for Open Connectivity
  • Open Java Development Environment


In its present version 9.6, eICBA Banking System supports an extensive range of technology platforms including Oracle Database 11gR2, Oracle Solaris 11, Oracle WebLogic Server 11g R1 and Oracle Linux 5.5.


Multi-Tiered


eICBA Banking System adopts an n-tier architecture where each business domain is divided into the several tiers making the system highly modular composed of flexible and reusable components. The system is divided the following tiers:

  • Presentation
  • Application
  • Database


Apart from the advantages of modular software with well defined interfaces, this multi-tier architecture allows any of the tiers to be upgraded or replaced independently as requirements or technology change. A change of operating system in the presentation tier, for instance, would only affect the user interface code, leaving the other components in the other tiers unaffected and therefore completely reusable.

As eICBA components are built on a Java EE framework, there is added advantage of platform independence that makes eICBA a truly open system. For instance, in any given deployment the presentation UI could run on either Windows or Linux OS, business components could be contained in either IBM Websphere AS or JBoss AS and database objects could reside in Oracle or DB2.



Service-Oriented Architecture (SOA)

The eICBA is a next-generation system where business components are developed with capability of consuming or publishing Web services within industry standards Service-Oriented Architecture (SOA) framework.

The SOA based framework enables application connectivity, automate business process, software reuse, reduce integration cost and reduce vendor lock-in. In addition, it comes along with the compelling business modeling (BPEL modeler) and activity monitoring (BAM) tool aid in governing and keeping up the performance of the automated business processes participating in the SOA infrastructure.


 

To cater for wider connectivity that is increasingly important for banking institutions in today’s competitive landscape, the eICBA Banking System provides increased flexibility by leveraging on the Enterprise Architecture Interface  with multiple connectivity standards. The interface, a high level architecture that is layered on top of the application architecture and platform architectures, serves to improve integration and enhance service monitoring, and thereby reduce the risk of integration with external systems.

 

Unified Customer Repository


All the eICBA modules are fully integrated to a unified customer repository, known as the Customer Information File  360 (CIF 360) to provide a total (360 degree) view of assets and liabilities of each customer online real-time. With the system’s Web Services capabilities, the repository can be made available to external systems so as allow consolidation of customer related information at global level, enabling institutions to quickly and accurately aggregate customer information.
 



Scalability, Availability & Performance

eICBA Banking System is designed for performance and reliability. With its light-weight Web-based front-end and efficient code execution on the most widely used application servers in the industry, eICBA Banking System delivered unrivalled performance. The eICBA Banking System has also built to scale easily from the smallest to the largest of banks merely by adding more servers to the cluster-ready architecture as volumes or number of branches expand, thereby improving performance and availability.

With a technological superior engine, the eICBA Banking System has demonstrated unsurpassed performance in benchmarking exercises performed on even modest mid-range servers. Among other things, these benchmark exercises have demonstrated that system is capable of end-of-day processing duration of less than 2 hours for 20 million accounts and 10.4 million daily transactions - a strong testament to eICBA Banking System's speed and scalability.