Functionality

TCB is a next generation platform that delivers core retail banking with multi-bank, multi-currency and multi-language capacities.

TCB Internal Architecture Overview

Enterprise Control

These provide common applications used throughout several business events.

Customer Data Administration

• provides data on all entities related to the financial institution including customers, prospects, employees and relationship managers
• provides grouping of related customers
• includes ‘properties’ for any entity (that several entities can share to avoid data duplication)
• includes a documents management sub-system
• designates special handling instructions or restricted access accounts

Product Builder and Catalogue

• enables users to create, modify and market products
• manages the life-cycle of customer products
• provides product-build capability across all banking areas
• provides an audit trail of the product build process
• maintains a catalogue of all products, including how and where they can be sold and the documentation needed

Contract and Relationship Management

• describes the relationship between any party/product and the financial institution (relating across all banking areas)
• indicates the status of the arrangement. For example, offered, requested, approved, active, matured, suspended or cancelled.

Bank Organisation

• describes all the internal organisation structure of the financial institution, branches and employees
• maintains user access and authorisation levels
• maintains holidays and user profiles

Common Services

These provide common processing used throughout the business.

Settlements & Posting

• posts financial entries across all applications

Alerts and Notifications

• provides intra-bank communications related to entities or arrangements

Exception Processing

• provides a single point where all non-posted items related to all applications can be managed

Authorisations

• controls the flow of authorisations request and resolutions between bank officers

Documents

• enables the design and printing of any document from the system

Banking Products

Each application provides specific functionality to a line of business.

Lending

• provides specific lending functionality including instruments such as loans, lines of credit, guarantees, mortgages and home equity loans

Deposits

• provides support for deposits and withdrawals, authorisation of overdrafts, nostro account management, cheque book or passbook issuance

Payment Services

• includes transfers cheque truncation, direct debits and credits, teller receipts, clearing house operations

Management and Control

This sub-system provides financial and management information.

Operational Ledger

• provides either a full corporate multi-bank, multi-currency general ledger or one that will provide balanced input to an enterprise-wide accounting system
  

Operational Data Store

• provides information about the daily operational transactions
• provides the ability to export the data as needed