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Retail Banking Ultracs is an end-to-end banking application that is functionally rich, with an important performance edge. It is a flexible, parameter driven system incorporating customer relationship management tools, multiple delivery channels, transaction processing, accounting and finance, and management reporting; with the ability to be deployed in a variety of manners. The solution is totally customer centric in nature, and completely integrated across all business processes and channels. This facilitates excellent customer service, process efficiencies, high levels of performance and allows for future growth. The solution is designed to meet operational requirements of full service financial institutions; giving you the tools to enhance levels of customer service, while at the same time addressing new legislative and government mandates.
Savings & Investments Ultracs allows you to bring to market simple and easy to understand banking products that reflect the current and future needs of customers. It manages all aspects of account establishment, transaction processing and servicing throughout the lifecycle of an account - be it savings, fixed term deposits, or investment accounts, applying consistent business rules with minimal staff intervention. Savings Accounts Core competencies include:
Investment Accounts Core competencies include:
General Processing Our design philosophy incorporates extensive product and service control parameters, enabling you to define the scope of the system to deliver a wide range of services including:
Integrated Customer Relationship Management (CRM) Ultracs provides a framework for empowering your staff and maximising each customer interaction with your organisation, including: Customer Information – live client “snapshot” Get easy access to all your customers’ details to view their total relationship across all services. The ability to bring a customer into focus, providing a snapshot view, and highlighting their total relationship value with you, is an outstanding feature of Ultracs. Access to all functions such as general enquiries, transaction processing, and contact management, is just ‘one click away’ - thereby providing a superior level of service to your customers, in an efficient and practical way. Prospective Customers Record and manage leads, capturing only minimal details. A complete history is available from your very first interaction. There is no re-keying of data at customer acquisition. Efficiency is increased in the sales cycle by providing valuable and accurate information. Contact Management Record and view communications with a customer (letters, statements, marketing campaigns, etc). Know who last dealt with a customer and the action(s) required. Business Process Integration Easy to use, parameter-driven tools are available to design and integrate your business processes to increase productivity. Manage and record customer requests for service or information, which may involve multiple actions spread over time and by multiple staff. Ensure that every contact receives proper follow-up, with the potential to improve revenue. Your designed business process could also automatically trigger a letter, function or process, as part of the associated workflow. Diarised “Task Lists” Complete with on-screen reminders, these tasks are linked to customers; allowing staff to drill down from the task reminder into customer and account information and perform the required activity. Service Management Monitor team and individual performance. Ensure that customer satisfaction and service levels are being maintained. Marketing & Sales Design marketing activities to generate new business, based on customer profiles and selections by products, demographics, and other attributes. Incorporate scripting and business process automation to facilitate easy conversion of these prospects. Staff can record relevant information for the realised cross-sell opportunities. Integration with Microsoft Allow staff to access common MS Outlook from within the application, eliminating the need for separate applications being run. Loan Origination, Decisioning and Portfolio Management We have one of the most powerful end-to-end lending solutions in the market today. The solution incorporates loan origination and management processes. From the definition of the products available, through to the maintenance of loan accounts during their life cycle, the system provides a template driven and flexible approach to lending. This allows you to develop and maintain products to meet your needs without input from either internal or external programmers.
Loan Origination A range of options are provided for loan application data entry. This will allow you to select the best means for your business both now and as your business strategies evolve:
As all delivery channels are integrated in the lending solution, staff, business partners and customers all see the same information, regardless of how they are accessing it. This allows for effective communication, and helps to build stronger relationships with your customers. A range of features are available to complement the product offerings. To name a few, these include the ability to split components of a loan (e.g. part fixed rate, part variable rate), offer transactional capability (e.g. card, cheque book and internet access), offset a loan with a savings account, and provide a redraw facility via channels such as the web. Loan Management Being completely integrated, you can review all loans in progress at any time. From the time a loan is settled, until the loan is fully discharged, the solution manages all loan servicing tasks. This incorporates:
Finance, General Ledger and Treasury One of the core strengths of Ultracs is total data and system integrity, through an integrated general ledger system and related financials. The general ledger forms the core of the solution, and a range of controls such as validation and daily balancing ensure integrity. General Ledger You can define the structure of the general ledger to suit your requirements. A complete audit trail is incorporated. Subsidiary ledgers are balanced with the general ledger, and a trial balance is produced everyday. Reconciliations can be maintained up to the minute. It can also facilitate cost centre or branch accounting by providing automatic general ledger postings at the branch/agency level. Alternatively, we interface to corporate general ledgers and will work with you to design a solution to meet your needs. Accounts Payable Manage creditor information, once-off and recurring invoices, credit note processing, enquiries and processing of creditor payments on the appropriate due dates. Asset Registry Efficiently record and process company assets. Assets may be split and subsidiary assets created. Comprehensive depreciation programs are also available. Investment Portfolio Manage your external investments, such as cash, bank bills, other wholesale borrowings or investments in government stocks or bonds. These external investments can then be included in management reports, the most important being the Cost of Funds, for the calculation of your operating margin. Bank Reconciliation Bank statement data can be received by electronic file transfer to facilitate bank reconciliations on a daily basis. This includes the ability to identify transaction types and process transactions to customer accounts as required. Ultracs provides a comprehensive selection of over 500 standard reports, incorporated across all functions of the solution, which are produced automatically, on demand or on user determined cycles. With the standard out-of-the-box reports, users are provided with all the data necessary to manage an organisation and provide the up-to-the-minute information to facilitate decision making. Standard reports are produced across the application and can be tailored to your requirements based on:
In addition to the standard reports, the additional module, Reporting Database, can greatly enhance your business processes. It was designed to give you a whole new way to view information about your business. Reporting Database provides a daily extraction of "flattened data" to the highly accessible SQL database using industry standard tools so you can customise your reporting, dashboards and data warehouse requirements using off the shelf tools and skill-sets - therefore eliminating the need for programming and technical changes. Take advantage of our fully integrated Documents solution, which empowers your business to provide the highest level of customer service while reducing operating costs. This encompasses document creation, capture, storage, retrieval, access, search and delivery, enabling data pre-population onto forms or document templates. These forms and other documents can be delivered to customers via e-mail (or printed), and attached to client records for effortless future reference. Documents supports any type of document or file type to be attached to a customer’s record – MS Word, MS Excel, PDF’s, videos, sound files and pictures. It is totally customer centric and forms part of the business process. With Documents, your staff spends less time performing repetitive tasks and human error is reduced. Communication with customers is improved as your staff will be able to provide prompt responses to document-related queries. Integration Tools for Third Parties Over their lifetime, our solutions have been interfaced and integrated with a wide range of industry interfaces such as:
We have also interfaced to clients’ internal systems and middleware, over many geographical locations. This is one of the key strengths of our systems and a core competency. We employ a proven project methodology that has been an integral part of our history of implementation successes. Insurance Portfolio Processing Ultracs allows your organisation to provide all the insurance services your customers may require - policy quoting, sales, and processing done either “in house” online or through third party interfaces to a range of insurance companies. This can be combined in the one view of the customer, ensuring you have a complete relationship picture that can translate into service and sales opportunities.
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