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INTRODUCTION TO FINACLEBy - D. Majumder (UCO-Bank)
CORE BANKING SOLUTIONCBS stands for Core Banking Solution or Centralized bankingsolution.CORE stands for "centralized online real-time exchange".Which means “online service provided through a centralizedserver”.This basically means that all the banks branches accessapplications from centralized server installed at data centre.The software accepted by different banks including our bankis Finacle which has been developed by Infosys.Finacle is designed with service-oriented-architecture(SOA)It is a multi channel, multi currency & multi country enabledtechnology.
OBJECTIVES• To compete with other banks• To arrest the threat from high net worth customers• To attract new generation techno savvy customers• To improve payment and settlement system• To monitor in a better way and improving MIS and reporting system• To provide better customer service
ADVANTAGES FOR CUSTOMER Branch customer to bank customer Lower incidence of errors and quick updation Faster payment system through rtgs/neft Quick realization of cheques/DD under collection Banking at home (e-banking)and mobile ATM service Cost effective and time saving
ADVANTAGES FOR BANKS Uniform platform Paperless banking Checked revenue leakage(updation of int. rate) Extended banking hours for customer Less Crowding at branch counters Better monitoring and control Updation of books & easy Reporting system Checked fraud and forgery and AML Business development/new products
User ID – First „Initials of Name then „0‟ then „PF No.‟ i.e., dm045347 User group:- General Users: who perform the regular banking functions and front office functions at Branches. System Operators / Database Administrators: Those employees executing system related functions at DIT. Inspections & Audit: This user group performs routine inspection and carries out the audit in the bank.
Accessibility of User: Captive User: These users can access the data belonging to his / her service outlet alone but can inquire on the accounts belonging to other SOL. Free User: These users can access the data belonging to all service outlets. Accessing all menu options also depends on whether the menu is free or not. Normally, in each branch two senior most officers are given “Free
WORK CLASS Each user have been assigned with a Work class. The work class is associated with the menu options available in the application. Different persons of the same category can be assigned with responsibilities with reference to the application by assigning different work class. Example: Clerical........................50 CTO.A..........................60 CTO-B…………………70 Head cashier…I…..….80 Head Cashier..II..........90 Special Assistant.......100 Officer Scale-I……….150 Officer Scale-II………200 Officer Scale-III……...300 ABH………………….850 BH……………………900 DBA………………….950
Logging into Finacle Main Menu Sub Menu Menu Option User Defined Favorites Message area Progress indicator Action Bar
Key Function Key FunctionF1 Help Down Arrow ↓ Next recordF2 List Up Arrow ↑ Previous RecordF3 Quit / Exit CTRL+D Page Down on a ListF4 Accept CTRL+U Page Up on a ListF5 Background Menu CTRL+E ExplodeF6 Next Block (Next Page) CTRL+F Clear fieldF8 Copy record CTRL+X Insert BOD DateF9 View Signatures CTRL+F9 Memopad lookupF10 Commit SHIFT+F4 Select an item from the ListF11 Validates SHIFT+F11 TransmitF12 Previous Block / Page SHIFT+TAB Go to Previous FieldTAB / Enter Next Field SHIFT+F3 Go to Finacle main menu
TRANSACTION There are 2 types of accounts in finacle CUSTOMER ACCOUNT OFFICE ACCOUNTS Each account has to be opened under a Scheme Type and a Scheme Code There are 9 scheme types for opening customer accounts 5 scheme types for office accounts
SCHEME TYPESCUSTOMER ACCOUNTS SBA-(01) Savings Deposits CAA-(02) Current Deposits TDA-(03) Term Deposits ODA-(04) Over draft CCA-(05) Cash Credit LAA-(06) Term Loan PCA-(07) Packing Credit BIA-(08) Inland Bills FBA-(09) Foreign Bills