Bank Architecture
Eighth floor
Human Resource ManagementSeventh Floor
Cybersecurity and Access ControlSixth floor
Compliance and Anti-FraudFifth floor
Financial analytics and reportingThird Floor
Banking risk managementThird floor
Customer Relationship ManagementSecond Floor
Customer Interaction ChannelsFirst floor
Payment systems and treasuryФундамент банка
Major banking systemsWhat are Core Banking Systems?
Core banking systems are the foundation of a bank, ensuring its stability and efficient operation. They include automated banking systems (ABS), deposit management systems and ERP systems for banks. These solutions automate banking operations and effectively manage the bank's resources, personnel and finances.
Core banking systems improve the accuracy and speed of operations, ensure reliable management of financial resources and support regulatory compliance. These systems help the bank to quickly solve problems:
Errors in transactions lead to financial losses.
Transparency of deposit management is insufficient for control.
Difficulties in operational management of the bank's financial resources.
Opaque and inefficient management of bank resources.
The foundation of your bank: reliability and efficiency!
Key decisions and directions of the section
Subsections of the system
Automated banking system
The automated banking system (ABS) is the central IT system of the bank, ensuring the execution of all key operations: from opening accounts and processing transactions to calculating interest and accounting. This is the technological "heart" of the bank, without which it is impossible to launch a financial institution and obtain a banking license. The ABS ensures the continuous operation of all departments - front office, back office, treasury, accounting and compliance department, synchronizing data and processes in a single information core.
Deposit Management Systems
The deposit management system is a specialized module of the banking IT infrastructure that automates the entire life cycle of a deposit product: from opening an account to closing it, taking into account the individual conditions of the client, calculating interest, capitalization, prolongation and tax deductions. This is one of the most sensitive blocks in terms of customer experience, directly affecting customer loyalty, accuracy of calculations and regulatory reporting. The module integrates with the ABS, CRM and self-service channels.
Islamic Banking Solutions
Islamic banking systems are specialized IT solutions developed to conduct banking operations in strict compliance with the principles of Sharia: without charging interest (riba), with transparency, fair risk distribution and investing only in halal areas. Such solutions support mudarabah, murabaha, ijarah, tawaarruk, salam and other Islamic financing instruments. They are integrated into the bank's architecture along with the classic ABS, but have separate modules, settlement rules and accounting schemes.
ERP systems for banks
ERP systems for banks are integrated digital platforms that provide comprehensive management of internal resources, procurement, personnel, finances and processes. Although ERP has traditionally not been part of the banking core, today it is becoming an integral part of the operational foundation, critical for the transparency, controllability and sustainability of the bank's internal activities.
Important to know!
Automated systems significantly reduce transaction costs.
Deposit management systems increase transparency and customer trust.
ERP systems allow you to control financial and operational indicators.
Implementation of key banking systems minimizes financial risks.
Conclusion
Core banking systems are the key foundation for the efficient and reliable functioning of the bank. The development of these systems is necessary to ensure financial stability, improve customer experience and optimize internal processes.
Who are the solutions suitable for?
For large banks
To manage complex international operations.
Regional banks
To optimize internal processes.
For Fintech companies
For integration with traditional banking systems.
Advantages of implementation
Reduction of operating expenses.
Increasing the speed of processing operations.
Increasing transparency of financial management.
Improving customer satisfaction.
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