www.exigeneervices.lvApril 26, 2023

Internet Banking Solution by Exigen Services Latvia

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Content

General characteristics of the system

Architecture

System functionality

Implementation proposal

Our Team

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General characteristics of the system

FlexibilitySupports both individual and corporate clients

Convenience and ergonomicsInterface complies with modern standards, design fits with the corporate style of the bank

Functionality and stabilityWide functionality and possibilities to expand

Efficiency and safetyIntegration with the existing systems of the bank by experienced team of developers

Cost optimizationNo need for system development from scratch, as the proposed solution has been tested and properly implemented at both the State owned and in commercial banks

PrivacyIndividual and secure approach whilst working with client’s data

Effective SupportTimely resolution of issues when providing maintenance and warranty support for

the system

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Architecture

Internet Bank Mobile Bank iPad Bank

Back Office CIS

Bank Link

SMS MessagesBusiness RulesManagement

Card System

The Core Banking System

CRM HR Management ReportingFinancial Management

Data Warehouse

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Functionality and platform

Functions implemented into the system• Orders and statements• Loans and deposits• Cash balances, statements• Correspondence with the bank• Managing credit cards• Access for corporate clients• Document templates• Utilities payments• Mobile bank

Technologies• Oracle WebLogic server – a stable platform• Oracle Database – secure data storage• Java and J2EE – the core technologies

E-signature support Private banking workspace (Back Office) Daily and operating limits Flexible system of access rights User administration Logic checking of business rules

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Main functions of the system

Internet Bank

AccountsBalance

Report

CardsTransaction history

Cards management

Accounts and Cards

DepositsManagement

SavingsManagement

Payment to/fromSaving account

Deposits and Savings

Payment list

Payment template

Payment typeDomestic

Internetional

Standing orders

Management

Fixed amount payments

Defined currency payment

Currency exchange

Other bank defined payments

Search

Archive

Import payment

Balance maintenance

Payments

Loans

Management

Investments

TransactionsPortfolio Management

Replenishment

Applications management

Deposits and SavingsAccounts Investment

Payment cards Loans

Personalization

SettingsMessages SMS/E-mail notifications

SecurityAdministration Audit & Logs

Multi-lingualMulti-currency System customization

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The Limit system

• Limit types– Operating– Daily limits

• Installation options– General (default) – within the bank’s policy– Individual – for corporate clients

• Various installation schemes– Limits on the client– Limits on accounts– Limits on certain types of payments

• Printing out contracts for setting and changing limits

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User access rights

• Flexible access rights system for clients

• Multiple clients can be tied to a single user (login)

• Ability to set up access rights depending on the client

• Separate document signing option for cases where multiple signatures are required for

sending a document to the bank for processing

• User blocking

• Mandatory password changing

• Setting up allowed IPs

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Private banking workspace (Back Office)

• Communication with the client

– Private messaging

– Messaging client groups

– Messaging all the clients of the bank

• Business rules for routing documents to the bank system, for example Т24

• Working with documents

– Viewing documents sent by a client before sending them to the bank system

– Viewing document history

– Changing document status

– Preparation of documents on behalf of the client

• Journal of user actions

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Security and privacy

Our system has a multilevel security system that permits performance of all operations in a secure environment. The main elements of the security system are as follows:

– Security of the certificate server with access via HTTPS / SSL connections and encryption– Two-factor authentification of a client when logging on to the system and signing

documents– All user actions are recorded in detail in a database and are available for reporting or

auditing– Flexible system of access rights based on user roles, allowing/restricting access to various

parts of the system– Date and time of the last user connection to the system available to the client to verify

possible unauthorized access

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Characteristics

• The system is available 24 hours a day, 7 days a week

• The average response time of the system is less than 5

seconds

• The number of users simultaneously working with the

system is unlimited

• Clustering and scaling capabilities without re-encoding

the system

• The system architecture allows to build and develop the

system functionality

• Storing documents in a local database thus achieving

autonomy and independence from the banking system

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Bank system (Corebank)

Autonomy of operation

The Internet Bank system uses a private database for storing documents, thereby achieving work autonomy that does not depend on the state of the bank system.

Clients can prepare and send documents at every time: even when the bank system for some reason is not available.

Internet Bank

ClientWeb server Database

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Design of the system interface

The system architecture makes it possible to adapt the «Internet Bank» system interface in accordance with the corporate style of the Bank.

CSS, AJAX, XML technologies.

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iPad Bank

Allows full access to banking services from iPad device providing customers with native iPad experience

Cutting-edge response by bank, providing customers with a new experience when using services

New communication channel is an opportunity to introduce new services via the new platform

Touch-screen based interface supports ‘next generation’ PCs

iPad solution with 100% internet bank functionality (iOS 5.0+) Design and image in line with brand and corporate image

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Internet-banking Mobile Application

• The application allows Bank market their products and provide other related services to their customers, engaging customers’ full potential

Our focus: data security, providing task-orientated and user-friendly interfaces, at the same time integrating the application with Banks’ business infrastructure

• Tailored solution with the features including (but not limited) account balance review, history and approval of payments, list of application letters and payment templates

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Implementation proposal

The «Internet Bank» system

Adaptation according with the business requirements of the bank

Design style of the interface adapted to the corporate style

System piloting

Commissioning

Warranty support

Implementation of updates

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Our Team

Team structure• Project manager, system architect, analysts/programmers, database specialists, test

specialists/technical writers.• The team has internetbank development experience for 10 years

Experience in Financial sector• Projects in the commercial sector: ABLV, DNB, SEB• Projects in the State & public sector: The State Treasury, Altum (Mortgage Bank), Citadele• Functional IT audit, security audit• Billing systems• SUN, Oracle certified specialists

Project implementation• Exigen Services is the official partner of Oracle Gold Partner• Management systems and information exchange: JIRA, SVN, UML, WIKI

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Contact us

Agris SnepstsBusiness Center ManagerAgris.Snepsts@exigenservices.com(+371) 2945 5886 www.exigenservices.com