Bankers Realm Features
- Operating Modes
- Information Dashboard
- Bio Verification
- Online Assistant
- NPL Management
- Parameterization
- GUI
- Handheld Device
Operating Modes
Based on the environmental conditions, the Bankers Realm system can work in the following modes:
-
Online Mode
This is the usual operating mode wherein the Branch connects to the central host Application Server and transactions are posted on-line and real-time. Offline Mode
Under certain circumstances, when the Branch is unable to connect to the central host system (usually an interruption in communications), the Bankers Realm Branch server continues transaction entry for basic financial transactions & services at the branch. Transactions such as anywhere /anytime banking could get affected. Once links to central server is up, all off-line transactions are automatically uploaded to the central host and the online operations are resumed.
Information dashboard
Information dashboard is a solution designed to help users access the information and experience they need to work smarter. By taking information from a variety of sources and making it accessible through tools people are familiar with, an Information dashboard enables users to make faster and better business decisions. An information dashboard makes it easy to access the information important to you in a single view. Be it cash position, large amount transactions, deposits maturing, Currency rates, your appointments, or anything that you feel is important to you, your valuable data can all be focused and presented in a personalized information dashboard.
Information Dashboards are user definable, so based on the user specific requirements they can be utilized to get the full benefits. There are about 100 topics that can be selected to be displayed on your dashboard for instance:
- Currency rates
- Excess over limits and Temporary overdraft accounts.
- Top <x> Large Amount Transactions.
- Cash Flow
- Deposits that are maturing in near future
- Installments due
- Limits Expiring
- Insurance Expiring
- Favorite Accounts
- Accounts Opened / Closed during the day.
- Personal Appointments and Reminders
A dashboard is user definable. A sample dashboard is shown below.
Bio Verification Module
Some of the options that this module would include:
- Security module allowing you to manage the security access of users
- Manage customer details
- Capture online photograph using a normal electronic camera.
- Allow you to capture Signature using a normal scanner
System would generate a unique identifier to identify a client in the bank.
Our development team is in the process of developing a mechanism based on the BIO Verification whereby the system would generate a unique number - which will become the Customer-ID. For example, if the bank is using a thumb reader, then based on the thumb impression, our system would generate a unique number. This is theoretically unique in the whole world.
The system is equipped with an online interface with the Bio verification. This can be thumb, retina or hand scanners. An individual having a loan account that was defaulted at one of the branches, when walks to another branch can be tracked down very easily.
Bankers Realm can be connected with any digital camera. Bank can invest in these low cost digital cameras which can be used to capture customer photographs and saved in the software for future retrieval.
Online Assistant
Bank Assistant is your online help assistant. This is a new technology that provides a foundation for more natural ways for people to communicate with their computers. It is a set of software services that enables Bankers Realm to incorporate interactive animated characters. These characters can speak, via a text-to-speech engine or recorded audio, and even accept spoken voice commands. We have tried to use the Bank assistant to extend the user interface beyond the conventional mouse and keyboard interactions prevalent today. Enhancing applications and Web pages with a visible interactive personality will both broaden and humanize the interaction between users and their computers. There are limitless number of roles and functions that Bank assistant can perform. This section provides you more information on the Bank Assistant.
We call this bank assistant Mr. Realm. This live character can actually speak and listen. Assume that you are accessing a particular account quite frequently. Every day you access this particular account almost a dozen times. There is an easy way to access similar frequently used accounts by adding them to your favorite list. If Mr. Realm figures out a situation that can make your life easy, he will immediately show his intelligence! The figure shows you a sample on it.
We have tried to make this character as live and as intelligent as possible. The character is also able to detect the internet presence, it can remember your favorite internet sites, it can send your e-mail messages, and do a whole lot of things that your personal secretary can do! All work and no jokes can make you a tiring person!! So at times, Mr. Realm can even crack a joke!
We have used this animated character extensively throughout the software, especially on security alerts, reminders, error messages, error reporting and internet usage.
NPL Management
The system tracks and marks a loan as non-performing loan based on the prudential guidelines provided by the Reserve Bank of India.
The status of the loans can be updated automatically based on some of the parameters. The Status codes are user definable for example status codes like
- Normal Loan
- Sub-Standard
- Watch
- Doubtful
- Write-off
Account once classified as a NPL can be automatically moved to the normal category once the payments start coming. The system is flexible to create user-defined buckets for classifying NPL’s.
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We are very pleased with the choice of going ahead with BR.NET as our back office MIS solution.
