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Intellect Universal Banking Solutions
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Home Products Intellect Universal Banking Functionality
 
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Functionality
 

Intellect Universal Banking System part of Intellect GUB umbrella and is a seamlessly integrated platform covering core banking, lending, trade, treasury and internet banking to manage the complete lifecycle of banking operations with much ease and comfort.

Intellect Universal banking system is a highly modular comprehensive nevertheless an integrated solution. Solution is designed by a team of highly knowledgeable bankers who came from leading banks with rich market experience. The solution was designed keeping in mind the key differentiators, a bank look for in their universal banking system to keep them ahead of their competitors.

Functional Services

 Intellect Core banking solution

Intellect Core banking solution offers a range of highly designable functional services that helps the bank to ‘Design product till the behavior of a system’ as the bank grows.

Some of the key functionalities that help the bank to be ahead of the competition are:

  • Ear marking in multicurrency with buffer management.
  • Standing order for auto execution at the end of the day
  • Direct Debit with maximum period and maximum slab amount
  • STP supported payments
  • Inter bank and Intra bank supported remittances
  • Automated process flow for end to end Inventory management.
 Intellect Loan servicing system

Intellect Loan servicing system handles the booking and servicing of loans including the most complex loan types such as syndication and securitization.

Some of the key functionalities of Loan servicing system are:

  • Multi currency disbursements and payments
  • Disbursement to multiple beneficiaries
  • Installment deferral
  • Auto reschedule for changes in interest
  • Early settlement
  • Loan simulators
 Intellect Trade Finance solution

Intellect Trade Finance solution handles entire operations of Trade services. System is highly configurable and customizable and provides folder view of transactions for traceabilitys.

Some of the key functionalities of Trade Finance system are:

  • Letter of Credit
  • Import Loans
  • Export financing
  • Documentary collections
  • Bank Guarantees
 Intellect Treasury solution

Intellect Treasury solution covers the entire gamut of operations which include Front, Mid and Bank office functions.

Some of the key functionalities of Treasury solution are:

  • Centralization/aggregation of exposure from sub treasury to group treasury.
  • Integrated cash flow across asset classes, product lines and regions.
  • Powerful cash forecasting tool for better visibility
  • Integrated risk sheet
  • Summary dashboard consists of online alerts, exception handling
 Intellect Portal

Intellect Portal a highly user friendly solution includes consumers, corporate and HNI portal.

Some of the key functionalities of Portal are:

  • Integrated with content management engine for Advertisement and personalized messages.
  • Ad-hoc and frequency based alerts over inbox, email and SMS.
  • Clear separation of UI, Business logic, and Data layers.
  • Support for Liquidity, Trade, Treasury and payments operations of banks and corporate
 Intellect VIGIL

Intellect VIGIL is built in AML component which address the risk management of financial institution

Some of the key functionalities of VIGIL are:

  • Inbuilt text interpretation engine to check customer’s portfolio from regulatory bodies like OFAC, Factiva and others.
  • Highly configurable decision support tool
  • Effective MIS management
 

Intellect Universal Banking also has common functional services and reusable business components that are shared across many modules of Intellect.

Some of the functions which helps the bank to innovate and achieve differentiation in quick time

  • Product Setup - Launch of new product in simple steps be it Asset, Liability product.
  • TRW -Transaction processing and Risk management framework which helps the bank to design the behavior of any transaction be it Cash deposit, Booking of loan or issuing a bank guarantee.
  • Fees & charges module of Intellect is highly configurable by the bank user as the bank introduces new asset and liability products. The bank can configure charges based on the customer type, channel usage, no of transactions… using a web front end.
  • Sweep module helps the bank to manage customer funds across different accounts automatically either at the end of day or through clearing.
  • Clearing - Feature rich clearing system to handle local and global payments automatically
  • Single View - 360 degree view of customer information helps the bank customer service officer to understand the net asset value of customer for up sell and cross sell.
  • Signature Verification system helps the bank to update the customer signature and photograph and maintain set of operation rules for risk management.
  • General Ledger – Integrated General ledger supports real time updation of transaction generated for bank to understand their financial position at the end of day
  • Intellect Reports - a very user friendly feature rich module helps the bank to design online or end of day reports in various formats like pdf, excel, bar chart, pie…
 
Interested? To discuss how we can assist your organization, write to us now!
 
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