Products

Oracle Financial Services (i-Flex) products:

  • Oracle ERP – A complete ERP solution providing full set of functionalities for the financial industry
  • Flexcube UBS – Core banking IT system
  • FLEXBRANCH – WEB-based front-end application for client service in bank’s branches

UBX Unified Banking eXtention – Flexcube integrated modular platform for on-line external systems interfacing and the choice of the following modules/applications:

  • Card Management System with on-line authorisation module
  • Payment – intra-bank payment and settlement system supporting all domestic payments and payment operators – BISERA, RINGS, SEBRA, Budget institutions and relevant reconciliation and reporting
  • SWIFT-FT – A Front End application for processing international payments from front office branches and other bank’s locations, on-line interfaced with Flexcube
  • MassPayment – Mass payment files processing application, allowing synchronous and asynchronous upload of customers’ payment files
  • DocPrint – Document, contract, letter generation and printing for use of the front office bank personnel, on-line interfaced with Flexcube and all other satellite systems
  • Direct – e-mail and SMS bank statement generation and sending with various periodic and file format options (transaction based, daily, weekly, monthly, quarterly, MS Word, MS Excel)
  • Budget – country specific

UBReX - Data Warehouse & Quality Assurance System, ñ .NET, Oracle and Web-based solutions, providing data clearness and operating reporting through incoming and outgoing system, logical and cross control and data editing.

 

FlexReport – Management and Regulatory reporting system for automated generation of all regulatory reporting required by Bulgarian Central Bank, international institutions, top and middle management.

 

CCReport - Cenrelized management of the process of data exchange with BNB under Act 22 and support of banking acocuntancy to Central Credit Registrar and Credt portfolio information - BNB format.

 

Oracle ERP – A fully Flexcube integrated solution managing the bank’s fixed assets, accounts payable, vendor management, invoice generation, national regulatory requirements.

 

e-Banking – Integrated platform for operating and management of electronic channels for distribution of bank products and services. Allowing fully integrated 24/7 internet, mobile phone banking:

  • Authorization – Roles, Functions, Signature Schemes. The product supports a very flexible and powerful authorization model for Corporate customers. Application functionality (through the use of menus) can be grouped in so called Functional Groups, and each user can be assigned a particular functional group, which would tailor the access he has to the menu structure, as required.
  • Administration  – Registration, System Log, Send Message & Bank Inbox, Registration Search
  • Settings - Issue Certificate, Alter username, Change password, Register Certificate, Secret Q&A, Account Aliases, Account Info, Balance Enquiry, Account History, Account Overview, Daily statement, Exchange Rates
  • Fund Transfers - Local Currency (BGN) Transfer, Budgetary Transfer (SEBRA), Transfer from/to the Budget, Direct Debit, Currency exchange, Foreign Currency transfer (SWIFT), Internal Foreign Currency Transfer, Import Mass Payment File, Pending Orders, Documents History
  • Multi Language Support - The ‘Internet Banking eChannel’ currently supports English and Bulgarian languages as standard. Additional language support is seamlessly integrated at no extra costs for development
  • Flexcube Universal Banking System Integration - The ‘Internet Banking eChannel’ is seamlessly and fully integrated with Flexcube core banking system and offers all existing Flexcube functionality for on-line 24/7 banking operations

mGate – a modular product, partially or fully integrated into bank’s IT infrastructure, allowing the bank to provide mobile payment services to its customers:

  • UBX Payment authorization module - processes payments and transfers them to bank host, supports SEPA, SWIFT, RINGS, BISERA, SEBRA, BNB, NSSI.
  • UBX Uploader – processes transactions and accountancy
  • UBX Charge and Exchange - calculates bank fees and taxes
  • Web Branch – allows registration of customers to the mobile payment service
  • DB Hem - module for initial processing and authorization of payments
  • UBX Såcurity – the module is responsible for providing access to the system’s various features

Bank Budgeting Tool
Bank Budgeting Tool v1.0 software product for creation of a Bank Budget with high level of automation,entralization , data integrity and consistency.
 
 
Exprivia - CreditOnWeb
 
  
CreditOnWeb is a modular system for the automation of the entire credit underwriting process:
from the multifaceted collection of customer information up to the rating assessment, from the detailed
definition of a credit application (in terms of requested loans and received collaterals) and the monitoring of its workflow
within the organization up to the final approval stage. In addition CreditOnWeb can also supports some activities of the disbursement
phase of the approved credit lines and the daily ordinary tasks such as activation and extinction of approved lines and acquired collaterals, update of utilization information, etc.
  • The solution can efficiently support the analysis and the underwriting process of all customer segments, from Retail and Small Business segments to the Corporate segment, for which are available  specific modules for Economic Group assessment and Economic Sector analysis. 
  • CreditOnWeb can be easily integrated with the legacy system to avoid redundancy of information and of functions. Consider, for example, the integration with Master Client Archive and with User Authentication system (sign-on) or with an existing rating tools. In addition a wide set of interfaces with typical legacy procedures is available for integrating data regarding underwriting, disbursement or risk analysis information.
  • Main features included in the solution are:
  1.  Scalable Web-based architecture 
  2. Parametric definition of:
     
  
  • Types of Loans and Collaterals 
  • Financial Statement schemes (Assets & Liabilities, Profit & Loss and Cash Flow statements and all related ratios) with reclassification rules and ratio calculation rules
  • Approval workflows and competence limits of decision entities 
  
  •   User Profiles with access rights to modules, to single functions and to data
  
  • Formulae for the calculation of Client Rating according to customized models
  
  •   Templates for definition of contracts for Credit Lines disbursement and Collateral acquisition
  
  On-line planner with live list of assigned 
Credit Application and tasks for every user/office
  
 Independent access and maintenance of
Client File, Financial Statements and Rating data from Credit Application information
  
Wide support of auxiliary information on Client
(Company structure, history and experience, Economic sector, Group structure)
  
 Print-outs of the Credit Application with different level of details
  
 Maintenance of live Black List of undesirable Clients
  
Possibility to attach digital documents
(text files, Word, Excel, Pdf, etc) to the different data entities in the system:
 Clients, Economic Groups, Credit Applications
  
 Multi-language support at user-level: 
languages supported to date are:
Italian, English, Polish, Bulgarian (Cyrillic characters), Russian, Slovak, Romanian, Croatian, Turkish.
 
EXPRIVIA
  
  • Exprivia S.p.A is a company specialized in the design and
development of innovative software technologies and the provision of IT services for the Banking,
Industrial, Telecommunications, Health and Public Administration markets. 
  • Today, the company is listed in the MTA Star segment of the Italian Stock Exchange (XPR).
 The company has a total of about 1200 employees and collaborators, and has operational offices in
 Molfetta (BA), Bari, Milan, Rome, Piacenza, Trento, Vicenza, Bologna and Madrid.