Banking Application Architecture

MishraBusiness Analyst

mishraba108@gmail.com

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

You also view video on You Tube!

Questions?

Thanks