 Overview
The Delta-Bank Universal Banking system is an .end to end., .front to back. banking system. The functions provided cover all banking operations, from general ledger all the way through to delivery channels. Delta-Bank provides broad and enhanced business functionality for all areas of banking, including retail, corporate, wholesale, securities and investment.
In addition, Delta-Bank offers a full suite of management modules which enable the support and management of a bank or bank group. Such modules include: budgeting and forecasting, product and customer analysis, supplier and fixed asset management, and human resources and payroll services. In other words, Delta-Bank is a complete banking system.
The Delta-Bank Universal Banking System comprises more than 30 integrated modules. Each module is structured the same way, which allows a continuity of look and feel and facilitates consistent ease of use throughout the Delta-Bank system.
Underpinning each module is a state-of-the-art workflow management system. Thanks to process reconfiguration, simplified processing, and its impressive configuration capabilities, the workflow management system provides endless flexibility to maximise efficiency, minimise risks, and increase security. Each Delta-Bank module shares the same workflow management structure.
In summary Delta-Bank is a banking software package with the ability to create a unique and custom-tailored solution to exceed even the highest customer expectations.
Architecture
The Delta-Bank modules are organised according to business layers, including .Core., .Management., .Operations., .Decision Support., and .Delivery Channels.. The modular, layered structure and business groupings allow clients to select modules to suit their business needs and add modules as their business profiles change.
Core
The .Core. layer contains the common functionality required to operate all of the functional layers. Such data includes: customer information files, customer limits, system tables, security and access rights, and other mandatory operational data.
The layered structure of Delta-Bank maximises efficiency, minimises investment, and creates a greater return on investment by enabling:
Deployment of only the required modules
One-time-only static data set up
No unnecessary duplication of customers or data
Company-wide information management, data warehousing, reporting, etc.
A rapid implementation cycle
Maximum return on investment
Management
The .Management. layer is made up of the modules which support the complete operational management of the bank. This includes:
Budgets - branch, business unit, account, customer
Supplier - limits, ordering, accounts payable, cost allocation
Fixed Assets - register, acquisition, amortisation, sale
Human Resources- training, vacation, absence
Pay Roll - salary, allowances, expenses, transfers
Operations
.Operations. is the main processing layer of Delta-Bank. It provides the business functionality to support the processing of retail, corporate, trade, treasury, securities and lending business.
The operational modules provide the means to configure products and processes. Each product and process can be even further configured according to:
Product Package / Family
Product
Client Grouping
Client
Account
This enhanced flexibility supports even the most segmented approach that any bank could wish to adopt.
Decision Support
The .Decision Support. layer provides additional business value through the support of sales and marketing campaigns, messaging and alerts, and quantitative analysis of product and client financial data.
Delivery Channels
Delta-Bank provides a full suite of integrated communication devices to facilitate ease of contact between the bank and its clients. Physical and Virtual channels are fully integrated, embodying the philosophy of .any product, any time, any channel..
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