Simple | Intuitive | Flexible | Complete

Financial Services

CharismaFinancial Services

Charisma Business Suite

leverages TotalSoft’s more

than 10 years experience in

providing integrated

software solutions

supporting key process in

the finance and banking

sector. Charisma has

distinguished itself by

delivering complex business

software solutions, that are

not only beneficial, but

provide usability and

transparency to more than

60 customers in the

financial services sector

including banks, insurance,

leasing and brokerage

corporations. Charisma

Leasing is an unparalleled

market leader, supporting

over 80% of the Leasing

market in Romania.

Given the current economic

context and due to the

international increasing

competition, the existence of a

performing communication and

informational system within the

finance-banking sector is the key

factor for the improvement of

economic-financial indicators.

„Before the implementation of Charisma ERP we concluded aprox. 150

new contracts per month. Due to the support of the application we

reached 700 new contracts per month. A four times bigger volume of

contracts, but not by multiplying by four the number of employees“,

Adrian Alexe,

President and General Director, Ţiriac Leasing.

SolutionsAll finance-banking institutions

will benefit from a complete

End-to-End solution. Given a

powerful set of tools that easily

adapt to the specific needs of

each company, no matter its size,

it will be able to significantly

reduce the operational costs by

increasing security, transparency

and financial performance:

The Leasing Module

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The Insurance Module

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The Refinancing Module

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Monitors and improves the complete management of contracts, financial and

operational leasing operations, both in the back-office, as well as in the front-

office;

Increase customers relationship;

Increases the company profit with the help of flexible credit programs and

according to the market features and financing abilities (multi-currency, fixed

or variable interest, configurable payment schedule, grace or seasonal

periods);

Reduces corporation risk and operational costs thanks to the quick and easy

access to information, by complete traceability of document flow (from offers

to the repossession or selling of the good) and automatic calculation and

generation of documents during leasing contract lifecycle;

Efficiently manages the financed assets and client portfolio, permanently

maintaining the history of changes during the lifecycle of the contracts, no

matter their type.

Decreases the internal expenses and company risks by fully managing the

insurance policies, no matter their type (asset insurance, life, civil auto liability,

financial risk insurance) and automates the generation and calculation of their

values based on the default conventions with the insurers;

Increases the efficiency of the financial management of insurance policies by

complete traceability with the asset financing contracts, by managing the

insurance registries and monthly account records through an insurance

payment interface;

Supports business development by means of flexibility of insurance programs

for the customer, according to their financial abilities (includes and/or splits the

insurance premiums in the leasing installments with or without interest

calculation).

Efficiently tracks and manages the operations with the financing contracts

from banking institutions or within the company group by defining and

maintaining the financing lines and money withdrawals.

SolutionsBrings the advantage of a complete and integrated solution for any activity of

client debt collection management for the resolution process including legal

procedures and repossession, as well as for remarketing (reselling, renting,

refinancing).

Provides support in the decisional process, by offering information and

statistics comparisons based on the stored and processed data;

Maximizes the company profit of any size with the help of a complete set of

analysis elements (scorecard, analytic grid, analytic chart, user-definition

reports, dashboards for publication) and by tracking the performance

indicators of the company evolution across time.

Increases transparency and builds a strong relationship with all the institution

partners (customers, providers, distributors, etc);

Reduces the cost and operational load, both for the company and for its

business partner with the help of a Web platform providing complete and

transparent back-office information (invoice statement, payments, returns)

and with the help of the facility delivered by on-line payment, e-mail or SMS

notices and quick printing of interest documents.

Decreases the financial risk by efficient control of expense budgets, enables

access for every employee to send requests, as well as expense request

approval according to the determined budgets (ePurchasing);

Monitors the costs and acquisition processes (RFP, RFQ, offer bids), increases

the efficiency of the offering and ordering process and improves the

capitalization abilities of the company's opportunities (eProcurement);

Reduces time and money assigned for the management of the contracts with

providers, includes the management of the provider invoices' approval, as well

as the history of the contractual relationships with business partners (Contract

Management).

Provides real time management and control of a fleet

Covers all aspects of vehicle life-cycle, from purchase, profile creation, routes

tracking, maintenance or assigned drivers, up to the removal from company’s

management.

Streamlines the fleet management, significantly reducing operating costs and

ensuring its proper functioning

Automates cost calculation for drivers and work routes, optimizing fleet and

significantly contributing to company's profitability.

Charisma Collection

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Charisma Analyzer (BI)

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Charisma Self Service

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Charisma Cost Control

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Fleet management module

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SolutionsMonitors and profitably manages the wholesale contracts signed with the

dealers or entered between two third parties with the purpose of selling goods

in large quantities under the conditions of profitable financing offered by the

company;

Enables calculation of interest and taxes related to the contracts and keeps the

history of all changes during the lifecycle of the wholesale contracts.

Brings the benefit of integrating the management of the financing factoring

contracts, improving the client portfolio and increasing the company's

profitability;

Flexibly manages credit lines, valid financial products, risk categories for

customer distribution, mechanisms for calculation of interests or discounts.

Is an integrated package designed for the management of human resources,

personnel costs and fulfillment of legal obligations. Includes: the management

of the employees and their position in the hierarchy, the parameterization and

implementation of calculation formulas, salary types, benefits, sick leaves,

holidays, withholdings, as well as generation of salary budgets, the submission

of files to the Working Inspectorates and statements to the State budget.

Ensures the accuracy and validity of the data submitted to the National Banks,

as well as the periodical reporting of the customer situation and active

contracts in the portfolio.

Integrates the management of company resources through the automation of

accounting processes, the depreciation of fixed assets on various reference

systems, by tracking the budget versus the results over the period and by

recording sale and purchase invoices entered by the company;

Ensures the parallel management of the sites of the company or the other

companies, both parts of a holding, whether they are completely independent,

and allows for the simultaneous tracking of multiple accounting principles -

internal or external: RAS, IAS, USGAAP, group, IFRS, etc.), banking or group;

Is a powerful and complex tool for the monitoring the existing and future cash

flows within a company, as a whole or by subunits.

In order to provide complete solutions to its customers, Charisma Business

Suite 2010 is supported with a wide range of IT services: consulting, project

management, software development, system and operational support

integration, training and instruction.

The Wholesale Module

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The Factoring Module

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Charisma HR

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Reporting to the Credit Bureau and National Bank

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Charisma ERP 2010 – Core Suite

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© T

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TotalSoft Headquarters, Global City Business Park 10 Bucharest - Nord Street

thBuilding O2, 8 Floor,

P: +4021 335 17 09

W: totalsoft.ro, charisma.ro, acollada.com

E: office@totalsoft.ro

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