>
> Dear All,
>
> One of our client having requriments on this areas. Pls give us your
> support on this.
Security Access, Data Security & Control Features
• MBWin has a number of built-in security and control features which make
it highly
suitable for use on stand-alone or local area networks in remote rural
sites and in
small offices where supervisor control is minimal.
• System access is controlled through a pre-authorized teller access
number.
Passwords are teller-selectable and changeable and consisting of six to
ten
alphanumeric characters.
• Record-level data security is achieved through an encryption algorithm
that
protects sensitive system information against outside manipulation.
• Configurable access control to the various system functions using the
"roles"
feature which limits a particular user to access only the designated menu
options.
• Automatic data-recovery restores data integrity after system crash and
informs the
operator when a transaction needs to be re-entered.
• Paper audit trail and hardcopy account listings allow for a smooth shift
to manual
operations in case of prolonged power failure or hardware breakdown.
• Built-in work flow control minimizes the possibility of operator errors
and automates
major daily, monthly, and annual processes.
• The end-of-day and end-of-month data backup are enforced by the system.
• Audit trail, supported by transaction vouchers and hard copy daily
transaction and
account listings, records the number and date of the previous
transaction. The
teller number is recorded with each transaction.
Contact Information File (CIF)
• Centralized CIF with protection against the creation of duplicate
records.
• Contact ID Number (CID) can be either system generated or manually
assigned.
• Customer orientated with instant access to all the customer's accounts
and related
contacts on screen.
• The system imposes no limit on the number of savings, current, time
deposit,
share accounts or loan accounts per customer.
• Facility to set relationship between contacts through user-defined
relationships
such as spouse, corporate officer, shareholder, family relationships, or
other
personal relation.
CIF records are accessible by (i) CID (ii) National ID number, (iii) Name
or part of
the name (iv) Any of the customer's accounts.
• Control of age-specific savings products through the customer's date of
birth, such
as for Senior Citizen and Youth Accounts.
• Maintains historic loan information for each client, which is available
for future loan
appraisal.
• Comprehensive contact information can be entered in a multi-tab page
interface
(e.g. for commercial banks) or abbreviated information can be entered
quickly
through the use of CIF template (e.g. for MFIs).
• Automatic opening of specified savings or share account when a new CIF
record is
created.
• Accepts personal as well as institutional contact information
• Allows up to a maximum of four (4) configurable CIF name fields.
• Allows up to a maximum of nine (9) user-defined CIF classification codes.
• Handles multiple addresses (home, business, mailing, temporary, others).
• Client can choose language preference (in CML configuration).
General Ledger Features
• User defined account format and header account format. GL accounts can
have
numeric or alpha-numeric account codes of a maximum of nine characters
(or 13
characters if separators for numeric format are included).
• Easy account access through direct account code entry for experienced
users or
selection from pop-up menu for new users.
• Fully integrated and automated update of GL accounts with client
transaction
posting during end-of-day processing.
• Automatic reclassification of non-performing loans by their respective
non-
performing GL account.
• Automatic provisioning for non-performing loans as part of the
end-of-month
process.
• Automatic accrual of loan interest income (if income is accounted for on
accrual
basis) and deposit interest expenses (always accrued) and withholding tax
liabilities.
• Standard reports include daily trial balance, daily listing of GL
transactions and
daily listing of GL transactions by GL account.
• The GL system can be run as a stand-alone program, which could be used in
a
head office accounting operation.
• Access to specific routines controlled by user defined teller roles.
• User-configured Balance Sheet, Profit and Loss, Weekly Balance Sheet,
Six-
column Trial Balance, and essential CGAP specified financial ratios can
be
generated.
Batch Operations
• Six different types of batches cater for all possible scenarios and
maximize
convenience and efficiency of operations;
• The Mixed-Account batch allows for transactions between client accounts
and GL
accounts in one and the same process;
• The Inward Cheque Clearing batch allows for debit of client accounts for
cheques
issued, validating cheque numbers with cheque books issued and
marking-off the
cheques in the cheque-registry;
• The Customer Account Debit List allows for quick processing of large
number of
debits to client accounts;
• The Customer Account Credit List allows for quick processing of large
number of
credits to client accounts;
• The Transfer Batch caters for transfers between client accounts and is
ideal for
giro-account type of operations;
• The General Ledger Journal is used for GL transactions;
• Import-batch facilities, such as for salary payments or for loan
recoveries (for
payroll loans)
• The re-usable batch allows manually received monthly payrolls to be
processed
efficiently by updating the master-batch with the changes for the month;
• The anytime-recovery facility recovers loan repayments from savings or
current
accounts any time during the day or at end-of-day so that credits to
savings
accounts will be automatically passed to the loan account (if the loan is
overdue,
and the recovery facility is activated).
Saving Account Features
• Automatic generation of journals for (i) Monthly or Quarterly interest
transfer from
Time Deposit to Savings account (ii) Automatic recoveries from Savings
Accounts
to repay a loan.
• No limit on the number of accounts per customer.
• Automatic update of General Ledger at end-of-day.
• Automatic update of General Ledger for interest expense accruals at the
end-of-
month.
• Controls for (i) Verification of available balance upon withdrawal (ii)
Transactions
on dormant account (iii) Maintenance of user defined minimum balance (iv)
User
defined minimum balance for purpose of interest earning (v) Minimum
opening
balance for new accounts.
• Products user definable with or without passbook.
• Products user definable with or without withdrawals allowed.
• Facility for programmed savings with maturity date (contract and
recurring savings)
• User selectable options for no-book deposits and no-book withdrawals.
• Automatic update of "un-posted" transactions in customer's passbook such
as
debit/credit memos, no-book deposits and withdrawals, interest credits
and
withholding tax debits.
Thilini Sasanka Kalansuriya
>
> Key Accounts Manager,
> Fossmart (Pvt) Ltd,
> 163/1, Dutugemunu Street,
> Kohuwala,
> Sri Lanka.
> http://www.fossmart.net
>
> Tel: +94-114-962-600
> Fax: +94-112-823 429
--
Thilini Sasanka Kalansuriya
Key Accounts Manager,
Fossmart (Pvt) Ltd,
163/1, Dutugemunu Street,
Kohuwala,
Sri Lanka.
http://www.fossmart.net
Tel: +94-114-962-600
Fax: +94-112-823 429
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