Software for Banking management & data processing

ECM (End User Computing Management)

Software for the management of individual data processing (IDV)

New challenges on the market and the requirements of financial supervision require consistent IDV management. ECM offers all the functions required to map a holistic IDV management process, from recording to categorization to reporting. The determination of the protection requirements and the resulting minimum requirements are also supported in this process. Any IDV software versions can be archived with their test plans, test data and documentation in a traceable and recoverable manner …

CapControl

Credit portfolio management / debt management for commercial borrowers and municipalities

Management of the loan portfolio in companies and institutions CapControl is the software for the management of the loan portfolio of commercial or public borrowers. Fast calculation routines also allow global calculations for loan portfolios with several thousand loans. The task. The management of the loan portfolio: the planning of the financing processes based on planned projects, the control of the ‘prolongation business’, the ongoing monitoring with regard to liquidity / interest rate risks …

 

S&D share register – self-managed share management

Extensive functions for intuitive management of the share register. The S&D share register software is suitable for different requirements: registered shares, bearer shares, vinkulation, one nominal value or several nominal values ​​and no-par shares. It offers extensive functions for keeping a share register. A structured workflow in master data management minimizes the administrative effort. It is possible to differentiate between large and small, employee and institutional shareholders.

Building evaluation direct – real estate valuation

Prepared schemes for quick property and building evaluation. A professional property valuation is very important in practice. In order to correctly determine the market value of a property, complex legal regulations and valuation procedures must be taken into account and applied properly. The software “building evaluation direct” offers a simple solution for a real property evaluation. Your decisive advantages: A fully prepared, up-to-date valuation process greatly simplifies your market value calculation! …

KPV capital investments – planning and administration

Holistic wealth management including reporting

KPV (capital investments – planning and administration) is foreign currency capable and has a modular structure. The application is also multi-client capable and can therefore map different company structures. The focus is on the mapping of the regulatory reporting. The automatic generation of reports and notifications in accordance with the collective order dated June 21, 2011 (BaFin order) or the capital investment-relevant DÜVA evidence is based on the data managed by KPV in the certified secondary accounting system …

VAMOS.6 loans

Management and processing of loan contracts in the middle and / or back office

Manage loans efficiently, cost-effectively and legally securely in a modern environment. VAMOS.6 loan supports all processes related to the mortgage loan business in an easy-to-use environment. It depicts the entire life cycle of a mortgage loan from the application, conclusion of the contract, payment, updating of the inventory to prolongation or repayment in the form of a continuous advisory and settlement process. The processes can be configured in a user-oriented way using the integrated process control and extensive parameterization. The system ensures a high level of flexibility and consistency of processes without media breaks and thus increases time and cost efficiency.

Teammate +

TeamMate + is a modern, web-based audit software with extensive functions. The collaborative structure, analytics, and trend capabilities accelerate your organization’s success in identifying and managing potential risks. Thanks to its ultra-modern design, TeamMate + is particularly easy to implement and just as easy to learn. Comprehensive compatibility: Compatible with all browser types and end devices, including touchscreens …

LeaseOS leasing contract management

Complete solution for leasing contract management, full service and fleet management

The comprehensive and modular leasing software LeaseOS enables the efficient management of leasing business models. Based on current and globally established IT standards, LeaseOS significantly optimizes process quality and provides the leasing company and fleet manager with clear added value advantages. Diverse, innovative features as well as extensive interfaces and online tools make LeaseOS a powerful complete solution that is offered as a standard package or as an individually expandable system …

ITS – software for financial service providers and insurance brokers

Administrative and controlling software for financial service providers and insurance brokers

ITS offers financial service providers and insurance brokers of all sizes the functionality, administration and customer contacts to be perfectly organized. ITS offers the opportunity to optimally map and support your work processes. You will not receive a “standard program”. We analyze your needs together with you and thus create the optimal level of support and your tailor-made software – based on proven modules and functions.

FLF Decision Engine

The decision engine is a decision engine for determining creditworthiness

The decision engine is basically a decision engine for automated decision making. At the same time, it is an automated engine for collecting information about customers and suppliers. The use is not only limited to the customer relationship. Companies with many supplier relationships (manufacturers, dealer organizations, purchasing organizations, department stores, etc.) can also use the system. The decisions can be made fully automatically or manually based on data collection by an authorized decision-maker …

3OpenOnline – old-age provision multi-tariff comparison

With this program you can access the original tariff calculator of approx. 35 life insurance companies. Customers and contract data can be stored directly in the original applications from the product providers. The user interface was completely redesigned in 2018.

Where to open a large term deposit?

VIP deposits from 1 million rubles. offer Raiffeisen bank, Home Credit, UniCredit, Renaissance. The duration of the contract ranges from 1-3 months to several years. In addition, many banks have a service called private banking and offer wealthy clients special deposit conditions. You can find out about this at the office of a credit institution or from a personal manager. The most profitable term deposits in 2020.

Here are some examples of profitable time deposits from different categories.

Insurance

A striking example is the Leadership Strategy contribution at Bank. The minimum amount is 100 thousand rubles. The rate is up to 9.5%. A deposit can be opened only by purchasing an investment life insurance (LIS) policy. The term for placing funds is 300 days. There is no possibility of partial withdrawal and replenishment. The bank pays interest at the end of the deposit term to the card or account.

Where to open a large term deposit?

What is the essence of the scheme? The client draws up an insurance policy and contributes funds to the program. Part of the funds is placed in fixed-income instruments, which guarantees the return of the entire amount at the end of the contract, the other part goes to high-yield instruments. When an insured event occurs, the depositor receives a payment.

Most profitable term deposits – Seasonal

Seasonal products are introduced in the lineup in honor of an event. In the year of its anniversary, Uralsib offers its customers a “We Together” contribution. Interest is paid daily. The minimum deposit amount is 100 thousand rubles. The deposit can be opened for 367, 732 or 1100 days. No replenishment and withdrawal. The rate is up to 8%.

With partial withdrawal option

A deposit with the withdrawal of “Collateral” is available in TKB. Do not be alarmed by the name. It only means that the funds on deposit can be used as collateral for a loan. The minimum deposit amount is 200 thousand rubles, the placement period is 1100 days. The rate is 7.5%. The possibility of replenishment is not provided. But you can withdraw a certain amount ahead of schedule, however, expenditure operations are limited by a minimum balance.

With replenishment

A profitable product in this category is Sovcombank’s “Record Interest” contribution. The rate depends on the term. For 2 months it is 7.6% per annum, for a year – 7%. The minimum deposit amount is 50 thousand rubles. You can deposit funds within 10 days. The minimum replenishment amount is 1000 rubles. During the term of the contract, the amount of all additional contributions may not exceed the original amount paid within 10 calendar days from the date of opening the deposit. Both cash and non-cash replenishment methods are possible. Partial withdrawal is not provided.

The deposit rate will be higher by 1% for Halva card holders if the following conditions are met:

  1. At least 5 operations were performed during the reporting period;
  2. total amount of purchases from 10 thousand rubles. for the reporting month (own or borrowed funds);
  3. There is no overdue debt on the Halva card.

Multicurrency Deposits

One of these products is Smart Vklad Tinkoff. Interest is paid every month – on a deposit or card. It is not necessary to wait for the deposit to close to withdraw part of the money. You can save at the same time in rubles, dollars, euros, pounds sterling. It is possible to convert currencies within the deposit without loss of accumulated interest.

Banking products and services on special conditions

Clients of  Bank can receive our products and services on special conditions. For example, for employees of companies participating in the salary project, interest rates on credit cards are 2% per annum lower than for other customers, and the MasterCard Standard credit card is serviced free of charge. Also, salary card holders can withdraw their own funds for free, not only at Bank ATMs, but also at more than 9,000 ATMs of third-party banks that are part of the Unified Settlement System (ORS). These are such banks as, for example, Absolute, IBRD, Nomos, OTP, Rosbank, Rus-bank, Sobin.

When issuing cards of the classic, gold or platinum categories, SMP Bank gives free insurance to all “ordinary” holders. For SMP Bank cardholders, promotions and prize draws are regularly held, and a special discount program is in place. Our customers can receive discounts at the companies participating in it, and these are: shops, beauty salons, hotels, travel agencies, etc.

Banking products and Services

Bank products and services list

The first year of service is free of charge In addition, there are co-branded cards at  Bank (SMP Aeroflot Bonus, SMP Transaero, SMP KHL) that give their holders additional advantages. Also, SMP Bank offers a preferential rate for servicing bank cards for its depositors (the “Client” tariff) and, conversely, for cardholders who are open at certain rates, special deposit conditions apply (“Aerobonus”, “Just Married”, “Platinum Financial Multiplier” ») And rental of bank safes. And for customers receiving part of the VAT refund on their Tax Free checks, SMP Bank also provides special conditions for opening a card: the first year of service is free of charge.

All Bank cardholders receive a monthly accrual of interest on the account balance: 5% per annum for salary cards, up to 5.25% for cards opened at retail rates. There is a separate list of privileges in Bank for holders of premium cards – gold and platinum. When applying for such cards, customers receive a free insurance policy for traveling abroad or an accident insurance policy (for Platinum – both policies), free SMS-informing and Concierge services. In addition, Bank platinum cardholders receive a 25% discount on the rental of bank safes and the opportunity to make a special deposit with increased interest rates “Platinum Financial Multiplier”.

Commercial banks products and services

Development of loyalty programs. True, no matter what programs are developed in order to attract and retain a client, the human factor still decides a lot. The operator who came to work in a bad mood, and askance, “not loyally” looked at the client, or a poorly informed specialist who couldn’t tell clearly about the product, or a “dead” phone that couldn’t reach you at all, can negate everything marketing efforts. So, as before, banks rightly believe that along with the development of loyalty programs, special attention should be focused today on the professional knowledge of their employees, on their psychological training. But this topic is already another material.

Sber bank has launched the process of issuing loans based solely on artificial intelligence. They say that now the whole process of approval, including legal examination, takes seven minutes against two to three weeks when people made the decision. AI has the right to approve loans in the amount of up to 2 billion rubles. At the moment, the liquidity of the portfolio of corporate loans issued by AI is “at a positive level”.

Banking LiveTex

This is a system for effective customer support in modern communication channels. Helps financial institutions attract more targeted calls, reduce costs, increase loyalty and analyze the quality of service. All digital channels for customer service. Allow not to miss a single call. Managers work in a single interface with many calls at the same time and without loss of quality. It is possible to integrate into the internal systems of banks, chatbots and CRM-systems., The formation of a single customer story. The analytics system includes load analysis in communication channels, operators’ performance indicators, and other KPIs. Flexible system settings allow you to distribute the load in peak situations, while maintaining a high level of service.