Capital Banking Solutions
A Fresh Start in Banking Systems
By Vantage Business Systems
Capital Banking Solutions
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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 renovation
Capital is a brand new banking system
It is not a repackaged dinosaur
Dinosaur
Repackaged dinosaur
Capital Banking Solutions
Driving Factors
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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
Clients
CenterPoint
Front End
Internet
Banking
SMS
Banking
ATM
EDC
Others
JMS Queue
Services
Web Service
HTML
Web Server
SMTP
ISO8583
TCP Port
Background
Processing
(Batch)
Others
Message
Conversion
VBS
Transaction
VBS
Transaction
VBS
Transaction
VBS
Transaction
VBS
Transaction
VBS
Transaction
JNDI
EJB
Lookup
Business Rules
EJB
Java
Persistance
Storage
Technology
• Latest proven open technology:
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Java EE
EJB3.0
Web services
SOA compliant
XML based messaging
Platform independent
Database independent
User interface independent
Capital keeps things simple
With one Java bean per transaction
Simple
Complex
Capital features
• Fast and intuitive user interfaces
• Multi-language, multi-time zone and multicalendar
• 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 nonfinancial)
• 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
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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
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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
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Murabahah financing
Mudharabah financing
Musharakah financing
Ijarah leasing
Al Rahn pawn broking
Conventional products
• Deposits
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Fixed deposits
Savings account
Current account
Overdraft
• Lending
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Personal loans
Housing loans
Commercial loans
Micro lending
Capital Banking Solutions
Vantage 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 Sizing
Overview
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 Sizing
Small 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 Sizing
Medium 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 Sizing
Large 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