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Capital Banking SolutionsA Fresh Start in Banking Systems
By Vantage Business Systems
Capital Banking Solutions
• Background• Driving factors• Technology• Main features• Sample functional features• Client systems• Implementations• Shariah products• Conventional products
Capital Banking Solutions
Background• Vantage Business Systems was founded
to fill a glaring gap in the market for banking solutions
• The Capital Banking System was developed:– By a team of banking experts– Using the latest proven technology– For innovation, not renovation– Using open and simple design
techniques
Innovation, not renovationCapital is a brand new banking system
It is not a repackaged dinosaur
Dinosaur Repackaged dinosaur
Capital Banking Solutions
Driving Factors• Ease of implementation and enhancement
• Fast product development
• Security
• Top performance
• Unlimited scalability
• Non stop 24/7 processing
• Design simplicity and flexibility
• Hardware platform and database independence
• Ease of interfacing to other systems
• Reporting flexibility
Design simplicity and flexibility
CenterPointFront End
InternetBanking
SMSBanking
ATM EDC Others
Web ServiceHTML
Web ServerSMTP
ISO8583TCP Port
Background Processing
(Batch)Others
JNDIEJB
Lookup
EJB StorageJava
Persistance
JMS Queue
VBS Transaction
VBS Transaction
VBS Transaction
VBS Transaction
VBS Transaction
VBS Transaction
Services
Clients
Business Rules
Message Conversion
Technology
• Latest proven open technology:– Java EE – EJB3.0– Web services – SOA compliant– XML based messaging– Platform independent– Database independent – User interface independent
Capital keeps things simpleWith one Java bean per transaction
Simple Complex
Capital features
• Fast and intuitive user interfaces • Multi-language, multi-time zone and multi-
calendar• Flexible interfaces (XML, ISO8583, Web
Services, proprietary formats)– Clearing, data feeds, rate updates, data warehouse etc
• Security can be interfaced to any encryption / compression method– All messages are encrypted and compressed– Role based access to data and transactions– Local, remote and central transaction authorization
Capital features
• Choice of internal Capital GL and / or external corporate GL
• Complete audit trails (financial and non-financial)
• Versioned parameters• Drilldown inquiries to the lowest level• Automated documentation• Automated data dictionary (from screens down
to database)• Robotized front-end regression testing• Back-end regression tests using JUnit test plans
Sample functional features
• Centralise reporting• IFRS/PSAKCalculator• Workflows • Vault Management• Integrated debit card and cheque system• Controlled and secure transaction reversal• Sweep and standing order processing• Fees and charges • Customer / Account access and transaction
restrictions• Local and centralised supervisor override• Alerts • Teller Limits
Client systems and interfaces
• Internet banking (integrated system available)• SMS banking (integrated system available)• Mobile banking (integrated system available)• ATM / EDC / EFTPOS• Payments (RTGS, Swift)• Payroll• Bill payments• Clearing• Remittances• Treasury
Implementations
• Shariah and Conventional • Both implementations are independent
– The Shariah system is not built as an extension of the Conventional system
• We can deliver:– Pure Shariah– Pure Conventional– Mixed Shariah and Conventional with a logical
separation of funds and accounting
Shariah products
• Deposits– Mudharabah fixed deposits– Al Wadiah savings account– Al Wadiah current account
• Financing– Murabahah financing– Mudharabah financing– Musharakah financing– Ijarah leasing– Al Rahn pawn broking
Conventional products
• Deposits– Fixed deposits– Savings account– Current account– Overdraft
• Lending– Personal loans– Housing loans– Commercial loans– Micro lending
Capital Banking SolutionsVantage Capital Demo
Banking System Implementation Overview
Tasks• Pre Sales (Business Partner / VBS) • Sales (Business Partner / VBS) *• Project Management (Business Partner) *• Business Analysis (Customer / Business Partner /
VBS)• Marketing (Business Partner / VBS) *• Gap Analysis (VBS / Business Partner)• Technical Analysis (VBS / Business Partner)• Customization (VBS)• Data Conversion (Customer / Business Partner /
VBS) *• Hardware Sizing (Business Partner / VBS) *
Banking System Implementation Overview
Tasks (continued)• Database Tuning (VBS / Business Partner)*• Unit Testing (VBS)• System Testing (Business Partner / VBS) *• Regression Testing (Business Partner / VBS) *• Benchmarking (VBS)• QA Testing (Customer)• Pre Production Testing (Customer)• Operations Setup (Customer / Business Partner /
VBS)• Production (Customer)
System Configuration and SizingOverview
These sizings are suggestions/guidelines only.
Actual sizing and requirements are dependent upon many factors, such as:
• number of accounts • number of customers • data retention policies• system usage and procedures etc.
System Configuration and SizingSmall Bank
• A typical Small Bank would have 1,000 – 100,000 accounts and process 1,000 - 20,000 transactions per day.
• Total data storage would likely be under 4GB, this makes Oracle XE a possibility to lower costs. This may not be acceptable to the bank as this removes the possibility of using Oracle DataGuard for DRC and limits vendor support, this is a cost/benefit decision for the customer to make.
• A small bank can comfortably run this system on a single CPU server with 4GB of memory.
System Configuration and SizingMedium Bank
• A typical Medium Bank would have 100,000 – 1,000,000 accounts and process 20,000 - 100,000 transactions per day.
• Total data storage would likely be between 10GB and 50GB. We recommend full Oracle Enterprise Edition with Oracle DataGuard for live data copy to DRC.
• A Medium bank can comfortably run this system on a six CPU server with 8GB of memory. Typically, they might run 4CPUs with 4GB of memory for the application server and 2CPUs with 4GB for the database server.
• Application and Database clustering is a likely requirement here and is a cost/benefit decision for the customer to make.
System Configuration and SizingLarge Bank
• A typical Large Bank would have 1,000,000 – 20,000,000 accounts and process 100,000 - 5,000,000 transactions per day.
• Total data storage would likely be between 50GB and 2TB. We recommend full Oracle Enterprise Edition with Oracle DataGuard for live data copy to DRC.
• A Large bank can comfortably run this system on a 48 CPU server with 200GB of memory. Typically, they might run 24CPUs with 100GB of memory for the application server and 24CPUs with 100GB for the database server.
• Application and Database clustering is highly recommended for a large bank.
Capital Banking Solutions
Thank You
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