The Cash and Interest Pooling solution provides services especially for corporate clients having various accounts / subsidiaries, allowing them to pool interest earned on their accounts arranged in the same group or to monitor the coverage necessary for transactions launched from their accounts on a group level (aggregated coverage checking).

The solution can handle multi-level pools and – in case of Cash Pooling – allows the flexible setting of balances on each account belonging to the group.

This application performs provision handling, related to banks' claims and future obligations according to the Hungarian accountancy law and related decrees. The module uses data required for the classification and for the calculation of provisions from the integrated system of the Bank. It stores the result of classification in its own databases.

This module is not available in English...

The queue management system performs the automatic queuing and movement of debits arriving on the current accounts. The system is capable of handling, queuing and prioritising transactions involved in the overall banking architecture.

In addition, the system broadens the scope of services offered by the Bank to its clients and it meets the requirements of the decree on coverage shortage as a part of financial regulations.

The Agents’ commission system administers the calculation of commission payable after the products managed in the systems of the financial institution, as well as the agents entitled to such commission. The functions provided by the system are the following:

The ApPello Deposit Module covers the management (opening, modification, printing, etc.) of any type of deposits. Related data can be handled directly in the application, but can also be taken from the core banking system.

The system is able to handle min/max values, breaking fees, bonus interests, sliding-scale interests, and any individual constructions.

(International Payment)

The ApPello funds transfer module provides a wholly automatic handling of the Bank's currency transfers, conversions and regular international transfers. The application can be attached to the Bank's integrated system.

The ApPello Bank Card (ABC) system automates the administrative, settlement and accounting processes related to the Bank's electronic cards. The ABC enables the overall handling of the Bank's own (Visa/ECMC) card transactions with the help of Giro Bankcard Rt (GBC).

The management system performs all tasks related to bankcards and is also capable of the settlement of transactions performed by both currency and forint cards in different currency types. The system converts the amount and books according to the Bank's currency exchange rates. The card system is capable of matching transaction hold generated by card payments with payments made to these, meaning that it automatically makes the coverage separation of holds expired and always settles the actual amount with the client.

The T-Module (TM) is a highly efficient banking solution, responsible for the reconciliation of daily banking procedures. It is a vital component in day-to-day operations, ensuring that discrepancies in data resulting from user error are removed from the system and that all records, such as account statements, balances and transactions, are reconciled.

Viber connection system for financial institutions operating in Hungary.
The ApPello Viber system is designed to start Viber transactions initiated by the Bank and also to handle similar types of transfers arriving from partner institutions.

The program package enables online communication via the Swift network with financial institutions and the clearing centre. A further significant connection platform is the accounting database of the integrated system and the daily balance database ensuring online collateral control.

The aim of Front Office systems is to unburden transaction registration and handling for Bank officers working with clients. These types of applications allow bank officers to work on an easy-to-navigate surface instead of the complicated screens of the banking integrated system. These applications make the administrative process more efficient and by filling in data automatically security is increased.

ApPello Front Office System is able to function as a Front Office solution in its classical meaning - effectively cooperating with the existing integrated application - and is also able to function as an independent transaction module.

Post cheque transfer system for Hungarian financial institutions.

ApPello Post Module (APO) solves the handling of post cheque transfers for the Bank's clients. Post cheque transfers and enquiry forms can be easily fixed in the system. APO is connected to the interface platform of the Post Office and also with the accounting database of the integrated application. The application is online in all respects and immediately arranges collateral separation following transaction approval.

The client module is and easy to handle front-end solution for the administration of the common client master data used by the financial institution, as well as for the supplementation of the client master data of the existing central system application.