Banking application architecture mishra
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Transcript of Banking application architecture mishra
Banking Application Architecture
MishraBusiness Analyst
Suntiara Softwww.suntiara.in+91 9912923179+91 9581271790
India
Bank
• Introduction• Architecture of bank • Types of Bank• Functions of Bank• Channel of Bank
INTRODUCTION
• Bank is mediator between entities for transactions of funds.
ARCHITECTURE OF BANK
1. ATM2. POS 3. Teletet4. Teller(Branch)5. Internet Banking6. CIF7. Product Factory8. Portfolio Management9. Deposit
ARCHITECTURE OF BANK cont…
10. Securities 11. FX Import12. Loans/Credits13. NBS14. Cheques15. Merchant 16. Sale & Support System17. CMS18. Treasury Payment
ARCHITECTURE OF BANK cont…
19. GL/Accounting20. Settlement21. PCM22. Campaign Management 23. Management Control24. Info Center25. Reporting
ARCHITECTURE OF BANK cont…
26. Information Delivery27. Phone Banking29. Mobile Banking/SMS Banking 30. Internet Shopping31. EFT 32.Credit Risk Management 33.Relationship Management
ARCHITECTURE OF BANK cont…
34. Payment36. HR
TYPES OF BANK
• Retail Banks• Commercial banks• Cooperative banks• Investment Banks• Specialized banks• Central banks
TYPES OF BANK cont…
• Global banks - full range of services - international capability• Commercial banks - wide range of services - limited international capability• Investment banks - arranging, originating and distributing debt and equity issues and advice• Savings banks - taking deposits and making loans
FUNCTIONS OF BANK
• Handle customers business in a safe and professional manner
• Honour customers’ cheques• Comply with any express (written) instruction
from the customer• Maintain secrecy about customers’ affairs• Give reasonable notice to close an account
FUNCTIONS OF BANK cont…
• Provide balance of account on request• Receive customers money and cheques and
credit to the correct account• Repay money on demand in banking hours• Advise customers immediately of any
improper event affecting the account• Exercise proper care and skill when
performing all its duties.
Bank Account
• Current account • Deposit/savings account• Composite account• Money market deposit• Overdraft• Loan accounts• Resident and Non-resident accounts
CHANNEL OF BANK
• ATM• POS• Card• Cheqes • Online/ Internet banking• Phone Banking • Mobile Banking/SMS Banking
Bank Accounts/ServicesTo control Float
Lockbox Intervention accounts Remote disbursement Controlled disbursement Direct collections - Negotiation - Collection
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