Core Banking
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Liquidity Management
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Today banks are clearly investing in differentiating through continuous innovation. In this scenario, your bank can leverage Finacle to strengthen its innovation agenda. As an integral part of the innovation program, Finacle can help your bank showcase new liquidity management solutions that can enhance returns for your corporate and cash-rich retail banking customers.
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Bill Payments
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With retail revenues continuing to expand, banks must invest in expanding their offerings spread to meet customer demands. Finacle provides you with a robust framework, to create and offer a large palette of services for banking customers. Enablement of bill payments, through multiple modes and currencies, is one such convenience.
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Account Opening
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Today, banks are reinventing themselves to achieve true customer specificity. Finacle can facilitate a global view of customers, across enterprises and entities, driving this agenda, at your bank. With Finacle, critical data is captured as early as in the account opening process.
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Transactions
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Banks invest significant energies into creating operational efficiencies. You will discover, Finacle has so many powerful enablers that can take your bank’s transaction efficiencies to the next level. This includes credit and debit part transactions, multicurrency transactions, fee and charges transactions and reversal transactions.
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Product Creation
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What really builds lasting competitive advantage for banks is their ability to continuously innovate and achieve differentiation through a wider showcase of offerings. Finacle’s consumer banking framework can help your bank design and deploy innovative products for varying market segments.
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Syndication
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Banks today, don’t just compete, but also collaborate to surge ahead in a changing business world. Finacle can help drive this agenda of “co-opitition”. Facilitation of loan syndication, where the customer interfaces with one agent bank to avail a loan financed by multiple banks, through tranche amounts, is one example.
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Disbursements and Repayments
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Retail banking continues to deliver significantly high returns on equity. With Finacle, you are assured of a robust consumer banking framework, to manage your retail offerings. For instance, Finacle arms you with all the necessary functionality to efficiently manage both disbursement and repayment for retail lending products.
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Product Factory
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Your bank can leverage Finacle to take new products and services faster to the market. Variability of product solutions can result in ‘product proliferation’ that complicates customer sales and service and increases operational risk and costs. These challenges can be addressed leveraging Finacle product factory which provides various reusable components that can be plugged at the product level to give definitive character to the product.
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CRM
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Campaign Management
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Finacle can play a significant role in streamlining processes driving customer on-boarding. From identifying prospective customers, communicating product benefits, through the right channel, with the most attractive promotion, leveraging the right direct selling agent, Finacle’s campaign management module helps create a truly rewarding experience.
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Interaction Module
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Banks worldwide are exploring new possibilities to achieve not just customer-centricity, but customer-specificity. Finacle can ably facilitate the realization of this agenda, for your bank, through several feature-rich modules, like the interaction module. Finacle’s interaction module helps you track and maintain incidents when you interact with customers.
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Alerts
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Treasury
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Alerts
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Innovations in service and channel delivery are powerful ways for banks to differentiate themselves in the marketplace. Finacle-enabled banks can aggressively innovate, in response to their customers’ voracious appetite for service modernization. One such enabler of innovation is Finacle’s alerts solution.
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Treasury
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Banks are under intense pressure to control costs and comply with changing regulatory requirements. The need to increase efficiencies, reduce operational delays and adhere to new accounting standards like IAS39 and Basel II is forcing them to review their treasury management solution. With Finacle treasury solution banks are assured of an integrated front, middle and back office, cross-asset solution with STP capability.
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Direct Banking
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Direct Banking
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Banks, today, are seeking to make a strategic shift from competing on price to managing cost structures, by leveraging disruptive service concepts like branchless delivery. This has effectively paved the way for financial institutions to explore direct banking. Finacle direct banking solution is a proven solution for banks to directly acquire, track and service customers, in the complete absence of a brick and mortar infrastructure.
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Wealth Management
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Wealth Management Solution - An Overview
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Today, customers have multiple investment options and there exists a need for a unified solution to manage customer portfolios, which enables banks’ advisors and customers to take optimum investment decisions. An integrated wealth management solution, which manages customers’ portfolios across banking products and services and enhances the banks’ fee based income, is the need of the hour.
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Structured Products
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Finacle wealth management solution offers an extensive portfolio of functions with great flexibility that enables end-to-end processing of investment products for diverse asset classes. Finacle WMS structured products solution fits into banks’ scheme of business perfectly, enabling them to cater to requirements related to one of the most complicated asset classes.
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Mutual Funds
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Mutual fund distribution forms a significant part of a bank’s wealth management business. Banks are aggressively distributing mutual funds in order to increase their fee based income and offer a wider range of investment products to their clients. Finacle WMS mutual fund solution provides the technology platform to comprehensively support a bank’s mutual fund distribution business.
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Bonds
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Fixed income products in general and bonds in specific are the investment of choice for a risk-averse investor. Bonds solution developed under the Finacle WMS suite is a one-stop solution for all order management, deal processing and corporate action processing needs.
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Equities
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Equities offer a broad spectrum of different risk/reward profiles based on factors such as issuer, sector, country and currency. Finacle equities solution empower banks to handle equities trading across the globe, on different exchanges, currencies, time-zones and securities. This solution also handles corporate actions processing and generates reports and advices to meet the banks’ customer requirements.
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Insurance
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Finacle insurance solution provides a comprehensive support to manage bancassurance operations in an organized and efficient manner. Besides transactions management, system provides extensive support to book and reconcile commissions with insurers.
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