BANK@ease is a
Windows based electronic banking front-end or client system. It provides
all functions to the user who would normally require a visit to a bank's branch
or retail outlet. It allows the user to transfer funds between accounts, pay
bills, examine statements, perform time value money calculations, optimise
spending of extra cash, and much, much more.
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Product
History
Where banks have provided electronic banking systems for use
by home and business users, these have typically been "green screen"
based and limited in their functionality. This indicated a requirement for a
state-of-the-art, function-rich system which was supportive of current banking
strategies. The system was initially developed to address the home banking
market, but has subsequently grown both with regard to functionality and
sophistication and is now marketable to a broad market spectrum.
BANK@ease is targeted for use by private banking
clients, small businesses, medium sized commercial companies and corporate
banking customers. It can also be used internally to support a tele-banking
service which the bank may elect to offer to its customers.
Key Components
of BANK@ease
The BANK@ease suite of programs comprise the following
components:
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The Client
component resides on the end-user's PC. |
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The Middleware
component resides in the bank's back-office and acts as the intermediary
between the Client / Lite Middleware components and the bank's back-office
systems |
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The Lite Client
is a browser version of the Client component and is linked to the Middleware
component via the Lite Middleware component (or Internet Information Server) |
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The Lite
Middleware component is an Internet Information Server that links
the Lite Client to the Middleware component |
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The Administrator
component is the system that enables the bank's electronic banking
administration center to manage the bank's electronic banking client base |
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The Cash
Management component is an add-on to the core system that provides
for full function corporate cash management of a multi-tiered corporate
banking customer |
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The Tele-Banking
component provides the bank a tele-banking capability
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the ability to offer clients one of the most
comprehensive and flexible remote banking services available world-wide.
Functionality is already well beyond what most banks are currently offering
and response time is significantly better than most existing systems;
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the assurance of ongoing development of the
product;
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rapid implementation (ETS clients need only
provide the back-office component of the interface between the middleware and
the back-office system);
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the ability to customise and brand the software;
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the necessity to support only one remote banking
product and one interface for all customer sectors;
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ease of interfacing this state-of-the-art product
with either legacy or upgraded back-office systems;
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improved security over traditional browser based
remote banking packages;
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ETS’s proven remote banking expertise and implementation support.
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Secure – the system utilises a combination of proven symmetric and asymmetric cryptographic algorithms to achieve the highest levels of
security |
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Fast –
because the flagship system is non-browser based, it is extremely fast in
its
operation |
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Function-rich –
the system boasts in excess of 100 banking and related functions
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Off-line and on-line operation – the system may be operated in either an off-line or on-line
mode |
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Audit trail – a comprehensive audit trail showing transaction or request reference numbers is incorporated in the
system |
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Multiple signatories – the supports multiple signatories which may be of the same or different
categories |
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Multi-lingual – the system is multilingual with the time required to include new languages being approximately 5 days per
language |
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Tele-banking support – the system may be used as a tele-banking
workstation |
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One product for all – the system has been designed for use internally as well as by individual, small to medium businesses as well as corporate
customers |
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Modular approach – while users install the complete package, only those modules to which they have subscribed are switched on at run time |
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Corporate Cash Management – the system incorporates a full function corporate cash management module
with interest set-off and pooling as well as on-line facilities management.
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