Our Vision:
was established in 2001 with a vision
of providing cost-effective but reliable business
solutions for community banking and the financial
sector.
Our History:
Daniel R. Arcenas, invited the following to form the company in early 2001:
Atty. Jessie S. Vargas, an I.T. enthusiast but a Lawyer and Accountant by
profession, has had several years of experience in banking (with the Bank of
Philippine Islands) and finance, marketing, and corporate planning (with SIG –
a subsidiary of British Gas).
Hiro Kobayashi, President of Intelligent Wave (Phils.), Inc., is the person
behind the success of MEGALINK and Equitable Bank’s VISA & Mastercard
POS System.
Joy Antoinette Mercado-Chua & Jo-Anne Concepcion Mercado, are
the sisters who developed the the Designex Integrated Banking System in the
early 1990’s. Joy handled the development of the Deposits & Accounting
applications while Jo-Anne developed the Loans application.
Our Products:
RuralNet System
Designex International is responsible for the development of RuralNet’s
web-based Transactions Capture & Settlement Platform. RuralNet is
envisioned to become a nationwide network for Rural Banks. It’s mission is
to provide rural communities, through the rural banks, with access to
products and services normally available only in the cities.
Designex Integrated Banking System II
Our core banking solution with fully-integrated base modules: Deposits,
Loans, and Accounting. Its parameterization features allows it to easily
adapt to client bank specifications and industry standards, making it ideal
for use by banks of any size.
The RuralNet System
RuralNet Settlement System
A COST-EFFECTIVE Platform
for Information Exchange
that has:
RuralNet System
Connectivity
Service
Providers
Ordering
Template
Collection
Template
Payout &
Others
Template
Accntg
Module
Reporting
Module
Fund
Transfer
Module
Settlement Engine
UCPB Payables.Biz
Settlement Account
Source Account
Security Interface
Connectivity
Transaction Capture
Engine
Settlement Engine
Security Interface
Transaction Capture Engine
Rural
Banks
The RuralNet System
will transform Rural Banks into
Business, Service and Information
(BSIs) Centers allowing them to
become true and valuable leaders in
countryside development.
Countryside
Collection “Bayad” Centers
Urban
Communities
Government
Services
Commercial
Products &
Services
Order & Payment
Smart Money, E-Load, &
Smart Padala
The RuralNet System
Collection “Bayad” Center Services
PHILHEALTH Contributions
OWWA Contributions
PHILAM Premium Payments
Order & Payment Services
POEA Exit Clearance Applications
PHILAM Plans (Education, Pension, Memorial)
SMART Communication Services
SMART MONEY Reloading & Encashment
SMART ELOAD to Subscribers & Retailers
SMART PADALA (Domestic & International)
Traditional Banking Applications vs. Specialized Banking Applications:
Traditional Banking Applications
All banks need to implement core banking systems that operate
very efficiently at high volumes. The Core Banking System
should incorporate functionalities for all base banking functions:
Deposits (Demand, Savings, Time)
Loans
Accounting
Traditional Banking Applications vs. Specialized Banking Applications:
Specialized Banking Applications
Once you have your core banking applications in place, you can
differentiate your bank by:
New Product Offerings
Effectiveness of your Marketing
Quality of Customer Care you
provide
To achieve these, you build systems ON TOP of your core banking
application, e.g. web-banking, SMS facilities, etc.
Our Core Banking Solution: Main Modules
The Designex Integrated Banking SYSTEM II:
Central Security (Head Office Module)
Branch Security (Officer’s Approval Module)
Deposits (Demand, Savings, Time)
Loans
Accounting
Our Core Banking Solution: Major Features
System Security
Head Office User Administration
(User Types, Access Types per User, User Login Names)
Transactions Locking
(Start-of-Day Unlock, End-of-Day Lock, Head Office Lock)
Sensitive Transactions (Single or Double-Officer Approval)
(New Accounts, DAUD transactions, Error-Correction,
Dormancy Reactivations, etc.)
Our Core Banking Solution: Major Features
Parameterization
Key Officers at the Head Office using Central Security the ff:
Accounting Parameters
(Chart of Accounts, S/Ls, Acctg Transaction Types, etc.)
Deposit Parameters
(Product Definition, Interest Tables, Transaction Types
and corresponding Accounting Entries, etc.)
Loans Parameters
(Product Definition, Interest Tables, Calc Parameters,
Loan Types & Purpose, Transaction Types & Acctg
Entries, etc.)
Our Core Banking Solution: Major Features
Accounting Features
Any G/L Account can be defined to maintain an S/L
Strict double-entry of Journal Entries
Matched G/L & S/L Entries
On-demand generation of Daily Proofsheet, T-Accounts,
Trial Balance, and G/L vs. S/L Run-Up
Maintains Subsidiary Ledgers
EXCEL-based BSP Reports
Our Core Banking Solution: Major Features
Full Integration
Automatic Accounting Entries for Deposit & Loan
Transactions
Automatic Updating of Loan Ledgers after Loan
Release or Loan Payment encoded by the Teller/s
Our Core Banking Solution: Major Features
Centralized vs. Decentralized Implementation
Centralized
(Head Office & Branch Files reside in a Head Office
Server. Branches are connected to the Head Office
via leased lines.)
Decentralized
(Branches have their own servers, Interbranch
transactions are executed via dial-up mode,
branch files are uploaded to the Head Office Server
at the end of each day.)
Our Core Banking Solution: The Micro Finance Module
MABs Parameters
Amortization Types
(Weekly & Daily Repayment Schemes)
Computation Parameters
(handles interest/penalty calculations)
Account Classifications
(Sari-sari stores, market vendors, transport, food
processing, viajeros, etc.)
Collection Agents
(collectors who follow-up & collect payments)
Our Core Banking Solution: The Micro Finance Module
MABs Loan Releases
Set-up Borrower Information
Process Loan Application
Approve Loan Application
Enter Loan Account Information
Print Loan Documents
Approve the Loan
Our Core Banking Solution: The Micro Finance Module
MABs Collections
Generate MABS Collection List per Collector
(contains principal, interest, amount due, & penalties)
Collector fills-in amount collected on Collection List
Collector balances actual money collected.
Loans Bookkeeper encodes actual payment.
Loans Bookkeeper prints Actual Collection Report.
(with reference Computation Slip Number)
Turnover Actual Collection Report and Cash to Teller
for Official Receipt preparation.
Our Core Banking Solution: The Micro Finance Module
MABs Tellering Module
Teller encodes reference Computation Slip Number of the
Actual Collections Report
(shows Collection For: Collector & Total Collections)
Teller prints the Official Receipt.
(after printing, Borrower’s Loan Ledger is updated
and amount collected is posted to his savings
account. Accounting entries are also generated.)
Teller prints her Blotter with Accounting Entries.