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.

Front Office system modules:

• Client register system
• Current account module
• Deposit module
• Template based contract printing module

Why is it useful?

In a banking environment the use of several modules and menu points are needed to register the services. With the use of ApPello Front Office there is only one screen to fill out for each transaction: the system performs all the different work processes automatically by using the required information. Front Office "hides" those input fields which are not needed for the entry of the given transaction, and fills these out automatically based on predefined logic.

Integrated banking systems do not always take care of the relevant level of controlling procedure. Let's think it over: when recording a current account the integrated system only ascertains whether the relevant basic data table contains information such as the given base rate, client name, currency type, but usually does not take care of whether a favourable condition can be offered to that client or not. Administrators of integrated banking systems frequently struggle with the filtering of the results of wrong inputs.

How does it do that?

Simple manageability

Our clients using the ApPello Front Office system do not need to, fully comprehend the technicalities of the intergrated system; some knowledge of the internet is sufficient. This means that training new workers is more economical.

Faster client service

All information requests relating to client handling are served by this application. The officer does not have to define any data from other systems or documentation. From the narrowed input (customer number, transaction type) and with the help of background settings the system automatically determines further data (such as interest rate, profit centre).

Error possibility reduced to the minimum

The system can be parameterised according to the Bank's condition list. Consequently, the need for manual input is minimised and in turn, the potential for input errors reduced. In this way the officer can neither directly nor accidentally alter the pre-defined product.

Unified forms

Contracts and confirmations are quickly prepared to a high standard in a format common in Windows word processors even with the insertion of pictures or logos.

Instrument (account type, deposit type, loan type) definitions

All transaction modules of ApPello Front Office contain a product description file. The product definition marks both fixed parameters of the given transactions and those which can be changed in a certain domain. The Bank can freely set its own product structure in the type definition and can assign codes for the products. Later, when recording transactions, officers need only refer to each instrument by the defined product codes. Officers have the possibility to set changeable/changing parameters (e.g. maturity, client number), but they can only look at the non-changeable ones (e.g. interest rate).