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Retail Banking

During the recent years the global financial market has witnessed a significant shift towards more customer centric and ubiquitous banking ensuring secure and convenient services from everywhere at any time. This move has put on the front line the demand for more agile and flexible banking solutions to support business transformation strategies and flexible adjustment to the modern customer and market requirements.
Fully supporting the philosophy that it is not the business which should fit in the solution’s technological limits, but the solution which should predict the market needs and open new horizons for the bank’s development, Diasoft offers the market its high-end modular FLEXTERA solution. Designed on the SOA principles and providing the market with the fully fledged functionality, FLEXTERA offers the most advanced opportunities for the bank’s development, including:

  • Broad functionality and enablement of different sales channels and modern service delivery tools,
  • Flexibility for the quick time-to-market of new products and services to ensure the bank’s competitive positions, service differentiation and attraction of new customer segments,
  • Modern integration tools allowing for information, product and services consolidation, customer relations management in a more personalized way, and communication with third party systems,
  • Ability to quickly respond to the changing market conditions and evolving regulators’ demands.

FLEXTERA’s separate functional modules cover all the modern business lines of a retail bank, including overall support of operations with

  • Credit and debit cards,
  • Loans and Mortgages,
  • Current and savings accounts,
  • Securities and Precious Metals,
  • Insurance,
  • Payments and Funds Transfers,
  • Investments.

In addition FLEXTERA offers broad opportunities for the support of emerging delivery channels ensuring ubiquitous and time saving approach to customer servicing.

FLEXTERA Front Office is a comprehensive suite of software solutions supporting different aspects of the bank’s daily front office interactions with its clients and partners. The solution combines multi channel enablement with advanced CRM capacity to ensure ubiquitous client servicing, optimize the bank’s operations, and to explore new cross selling opportunities.
Together with other Diasoft’s solutions, FLEXTERA Front Office provides complete lifecycle support for retail, corporate and investment banking and capital market operations. Due to their technological advantages, all the FLEXTERA solutions open to our Customers new opportunities for the strategic business development and streamlining of their banking services.

FLEXTERA Middle Office functional modules provide its customers with extensive decision support, risk management and performance control functionality. These modules mostly fulfill business support functions rather than actual service or product provision, but it is middle office inventory which is responsible for the success and stable financial position of a financial institution.
Targeted at the successful business support, FLEXTERA Middle Office offers the most sophisticated tools for scoring, decision-making, risk identification, assessment and prioritization, management of limits, operations performance control, and debt collections. FLEXTERA’s broad integration inventory ensures its smooth interaction with third party applications fulfilling similar functions as well as communication with other organizations like credit bureaus and legal bodies to ensure strong analytical support of every decision and prevention of financial crimes.

FLEXTERA Core Banking provides the overall support of various product lines of a financial institution. This support includes designing, configuring, life cycle management and accounting of all modern financial products and services in full compliance with regulatory requirements and Customer needs. To launch a new product or enhance the existing one, our Customer may choose between the deployment of the corresponding off-the-shelf FLEXTERA Back Office module and the implementation of a customized solution designed to fit technological and business needs.
FLEXTERA Core Banking incorporates the features which are relatively new for the back office systems like sales channels management or performance monitoring of separate products. This allows for end-to-end integration of the bank’s functional areas and creates a unified information space for transparent management of banking products and customer relations. The logical separation of product performance and financial accounting allows for better estimation of each product performance and the performance fluctuations.

FLEXTERA’s open architecture, BP-driven development approach, and its hardware-, SO- and DBMS-independence allow for the unrestricted customization and integration of implemented solutions, while FLEXETERA’s multi-tier architecture allows for independent scalability of separate system layers responsible for different areas of automation.
The modern technological principles lying at the core of all FLEXTERA solutions in combination with their broadest functionality provide our Customers with limitless opportunities for their business development in accord with market trends and clients’ requirements.