CANOPUS CORE Banking

Comprises a group of products targeted at the automation of small and medium-sized banks and credit unions. Based on the universal banking core MacroBank5 +
Allows you to automate all key business processes of both traditional banking and electronic banking, including: Internet banking, SMS banking, mobile banking.
Meets the latest requirements for security of information systems, has a high degree of adaptability to the requirements of a particular client, supports for international financial accounting standards and exchange of financial reports: ISO20022, ISO8583, IAS 30 and others

CANOPUS WEBbank

Solution is set aside for automation of those banks, which are mostly focused on providing their customers banking services through the Internet
Allows organizing the work with most banking products offered by banks to their customers today, in real time through web-based application,mobile banking and SMS banking
CANOPUS WEBbank - modern banking system for modern banks.

Functions (available operations)

Main:

• Opening and managing of client`s accounts;
• Processing incoming / outgoing payments;
• Currency conversion;
• Loans / overdrafts calculations
• Calculations on deposits;
• Issue and service of bank cards;
• Interaction with external payment systems;
• Interaction with the systems of electronic money;
• Interaction with electronic commerce (merchant);

Additional:

• AML-compliance (monitoring of suspicious transactions, support for "black" lists)
• Forming and monitoring of budgets;
• Reports generating
• Control limits, risk management;
• Customer Relations (CRM)
• Setting up access rights and configuration of user workstations

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System modules

• System core

Genral Ledger;
Chart of accounts;
Cpersonal accounts;
Clients;
Reports;
Document;
Fees;
Reference books;
Nostro accounts
documents (transactions)

• Internet bank

Online application for opening an account
Payments;
Conversion;
Application for a Loan / list of credits;
Application for deposit / list of deposits;
Conversion;
Internal mail;
E-currency
Statements / invoices.

• SMS-banking

Internal transfers via SMS;
balance inquiry via SMS;
lock card via SMS;
Updating the account with prepaid cards via SMS;
Confirmation deferred payment via SMS;
Receive alerts via SMS

• Payment cards

Online application for card issue ;
Popup card online;
Blocking the card, changing card status;
Online request to change the limit on the card
List of active client`s cards and their status;
List of operations on the card (statement).

• Loans/ overdrafts

Setting of credit products;
Online requests for loans;
Register of credit agreements;
Monitoring of credit performance (credit cards);
Credit lines and overdrafts

• Deposits

Customize deposit products;
Online applications for deposit
Registry of deposit contracts;
Statement on the deposit agreement

• E-currency

Interfaces with electronic currencies (WebMoney, RBC, etc.);
Reference books of electronic currencies
Exchange of electronic currency;
Electronic currency rates;
Top up the account with an external electronic wallet;
Payments in electronic currencies.

• Buy\sell currency (ForEx)
• AML-compliance (black lists, monitoring of suspicious transactions);
• Budgeting;
• Client relationship (CRM);
• Investments
• Risk management and limits

Benefits

Wide coverage of client audience without the need for additional physical offices and branches;
Reducing the cost of transactions;
The reduction in manual handling operations (STP);
Continuous real-time monitoring of all banking transactions and aggregate indicators;
General improving of business agility

Competitive advantages

The high adaptability of the system under the requirements of the customer. Flexible adjustment of tariffs, accounts, business processes, reports, etc.;
Modular structure and scalability
Low cost of ownership;
Multi-currency accounting system;
User-friendly interface;
High reliability, stable operations;
Advanced system of internal security and data integrity.

CANOPUS WEBbank system can be installed on the customer's servers, or used in the banking outsourcing mode (SaaS - software as a service) on CANOPUS` server.

CANOPUS SME-banking

Special product for banks aimed at providing services to corporate clients.

In the face of increasing competition in the banking market, a number of new directions that are directly related to the development of information technologies are appearing in modern banking.

In particular: electronic invoicing (E-invoicing), mobile and Internet payments (mobile payments), etc.

At the same time there is a shortage of banking services targeted at specific customer niches, in particular - small and medium-sized companies and small holdings (SME companies)
The provision of advanced services  which are focused on the client needs in a 24 / 7 mode has become a main challenge for the banks.

Implementation of CANOPUS SME-banking will be ensured such task.

Canopus SME banking is a product targeted at the SME-sector of banking services

CANOPUS SME banking includes 3 main subsystems:
- Electronic invoicing (E-invoicing);
- Interbank Clearing
- Corporate Treasury for the Bank's clients (Corporate Treasury Outsourcing)

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Main
The main task - to create the most customer-oriented corporate center providing banking services, including traditional banking services (loans, deposits, payment cards, etc.), and service of electronic banking and electronic invoicing.

Innovative solutions that formed the basis of CANOPUS SME-banking concept were successfully implemented in a number of leading banking institutions of the world, including Bizner Bank, Royal Bank of Scotland and others

Over the past few years particular attention to the development of the corporate segment was given by the international system of interbank payments SWIFT

System Functions (Operations)

• Real time settlements and transactions between suppliers and consumers of services;
• Corporate clients payments stream management in STP mode (with minimum operators involvement at all stages of processing);
• Providing of traditional banking services to corporate clients via the Internet (credits, deposits, payment cards, etc.)
• Providing of services for electronic commerce (merchants)

Business Benefits

• Reducing costs for staff by maximizing the use of technology through straight transaction processing (STP);
• The possibility of providing corporate clients with a set of financial services in the most convenient format for them;
• Maximum coverage of client audiences. Increasing number of clients with a minimum number of bank staff.

Competitive advantages

• The high adaptability of the system under the requirements of the customer
• Flexible adjustment of tariffs, accounts, business processes, reports, etc.;
  
• Modular design;
  
• Low cost of ownership;
  
• Multi-currency accounting system;
  
• Online mode
  
• User-friendly interface, developed by WEB-interface for clients
  
• High reliability, stable operation;
  
• The developed system of internal security and data integrity.
  
• Open API. Integrability of the system. Easy connection of external providers, including - payment systems, electronic money, processing centers, accounting accounting and ERP-system