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NLS Banking Solutions

FINANCIAL PROCESSING SUITE (TERAFIN)

Terafin is a highly customized, high performance financial transactions processing suite designed to offer 24/7 availability to customer digital channels, independent of the core banking system in addition to managing risks through fraud and anti-money laundering detector module.

 

HOW TERAFIN ADDRESSES THE CHALLENGES

  1. The solution is designed in a modern forward thinking services approach.

  2. It offloads financial service processing capabilities from the core banking system by presenting tools which enable enterprises to design services while incorporating business logic and deploying them in real time without service disruption.

  3. Data at core system database is synced in real-time using NLS Sync component to Terafin Database, this allows you to externalize business logic ,authorize, authenticate and validate transactions in a seamless manner.

  4. Reduces high cost of maintenance and development by using in-house resources to introduce and accommodate new engines/products/services within Terafin suite which would otherwise require complete overhaul/upgrade of your core banking system.

  5. Scales easily by reusing service capabilities, introducing new channels, new message types or third party packages to your ecosystem

  6. Gains insight on business processes and performance using the suite Dashboard

  7. Shields your channels from various impacts at the core banking system level or any service endpoint 

 

INTEGRATION PLATFORM (TERA PLATFORM)

The Tera Platform is a Service Oriented Architecture (SOA) built for large scale computing platforms; it assembles and integrates various components to allow resilience through its architecture and is designed to detect, tolerate and automatically respond to component failure.

The Tera Platform provides an integration pillar that unifies and standardize your entire application ecosystem. The platform is cost effective and scalable enabling enterprise to deploy end to end service oriented architecture and eventually unlocking the value existing investments. 

 

THE PLATFORM CONSISTS OF THE FOLLOWING KEY MODULES:

  1. Adapters - to enable connectivity into packaged and custom enterprise applications, as well as specific channels in the banking industry.

  2. Clone server – Replica database consisting of service functionalities

  3. Service repository – contracts and published services container. Supports publishing and locating of services.

  4. Transformation engine - message format and protocol translator.

  5. Transaction engine - provides a framework for the coordination of multiple resources across multiple services. Handles session management, business logic and quality of service.

  6. Channel Manager and Message mediation broker: provides facilities for connectivity and mediation logic.

  7. Security management: provides extra security layer to transactions.

  8. Events and notification Engine: Handles production, detection, consumption of, and reaction to events

  9. Monitoring component: provides a dashboard for business activity/performance monitoring

  10. Design time Message mapping tool.

 

MOBILE BANKING (TERA MOBILE)

Tera mobile module is a flexible, secure technology based on a scalable system and accessible via USSD or Mobile Apps like Android. Its customer centric design makes sure it has all the features needed to fulfil all the technical and business requirements

 

THE SOLUTION PRESENTS THE FOLLOWING BENEFITS:

1. Customization – The solution is easily customizable into process flows that meet the specific requirements of banks. This way, it offers many advantages over standard, off-the-shelf software as it can be tailored to fit in with bank’s requirements.

2. Focus on high value activities: At NLS, we understand that businesses have varying business needs. It is for this reason that we allow prioritization of activities, to ensure that the most important ones are developed and delivered first.

3. Flexibility – We recognize that change is a necessary component of the development process. Our development model hence ensures adaptability in order to cater to our client’s needs as they arise.

4. Ease of use – The customized solution is built based on the user inputs and current processes. There would hence be no requirement to change any processes not required by the Bank. As a result, users would need very little time to familiarize themselves with the solution.

5. Scalability – The customized solution could be enhanced as per the Bank’s business needs in order to effectively handle future needs in a capable manner. Over time, the solution can be modified and enhanced as the business requirements and work volumes change.

6. Security - NLS understands that security is a major concern especially in the banking sector. With this in mind

 

MOBILE BANKING SOLUTION USES CUTTING EDGE SECURITY FEATURES SUCH AS:

  1. Cryptography - messages transferred from client to server and vice versa are encrypted and integrity of data exchanged is assured

  2. Provision of One Time Passwords (OTP).

  3. Sensitive data management- sensitive data stored, sent and logged in encrypted form.

 

AGENCY BANKING (TERA AGENCY)

Tera Agency is a comprehensive agency banking platform that enables banks and financial institutions to provide secure banking services through appointed agents. The solution is an Android based POS application that interfaces with Terafin for transaction processing and management. 

 

IT COMPRISES OF THREE MAIN COMPONENTS;

I.   Wireless POS terminal,
II.  Tera platform and
III. Interfaces to service end points.

 

E BILLING ENGINE (TERA E BILLING)

Tera e billing is an enterprise e-billing payment system that includes everything you would expect in a mature, best of breed solution. Its unique solution helps connect you to your customers through business relevant communities that solve problems and also create opportunities.

 
THE SOLUTION FACILITATES FOLLOWING KEY FUNCTIONALITIES:

  1. Real-time electronic bill presentment

  2. Payments of bills

      3. Reconciliation

 

WITH E-BILLING PAYMENT ENGINE THE BANK WILL HAVE THE ABILITY TO:

  1. 1  Load billers on the system and set them as active or inactive.

  2. 2  Enable various channels within the bank to connect to the system using a single web service definition.

  3. 3  Choose via Admin module which partner to route transaction per biller i.e. quickly change channels which could be between various aggregators or direct connectivity between the engine and the biller.

  4. 4  Set which biller has bill presentment and at the same time allow the downstream channel to know which biller has presentment so that the request can be forwarded to the biller for presentment. 

 

AUDIT SOLUTION (TERA AUDIT)

The Tera audit system is an audit tool that allows Planning, Documenting, Activity Monitoring, Reminders, Reporting and Review.

There are two main modules:

    a) Audit Project Management

    b) Audit Issue Tracking

 

AUDIT PROJECT MANAGEMENT MODULE (APMM)

This module allows the Audit department to plan the Audits for the year and document them in project monitoring standards mode allowing efficient monitoring and tracking of the audit process.

 

AUDIT/RISK ISSUE TRACKING

Audit issue tracking module will allow the bank to track responses from departments identified with the risk, implementation timelines, remedial action and subsequent closure of the audit item subject to the approval of internal audit head.

All issues raised at reporting module of Audit Project Management can automatically be uploaded to Audit/Risk Issue Tracking and assigned ownership or they can be keyed in manually.

The module has Key Performance Indicators per individual issues, department showing open issues, implemented but not closed and closed issues.
The Issue tracking system has an activity diary reminder which when configured can send alerts based on the reminders maintained.

Tera Audit entails different functionalities:

1. Reporting

2. Emailing Capability

3. Notifications via Popup

4. Scheduled Report Capability.

5. Dashboards

 

CREDIT MANAGEMENT SOLUTION (TERA CMS)

The Tera CMS is an innovative enterprise solution specially designed to address and support the loan processing needs of financial institutions. The solution employs a detailed work flow technology to control and monitor the various work steps employed during loan processing thereby reducing the delays and inefficiencies in handling paper documents.

The solution provides an end to end approach to loan origination, with a holistic approach during the entire loan life cycle. It provides a structured work flow and supports multiple loan products with different origination channels. The solution easily integrates with other existing systems and offers a robust credit scoring engine and archiving for various loan application related documents.

 

BENEFITS FOR FINANCIAL INSTITUTION

1. Lower costs, improved efficiency and productivity

The solution offers improved self-service tools for financial management by directly empowering the users and enabling efficient utilization of bank resources. The detailed workflows ensure instant approvals and reduced turnaround times.

2. Reduced time to market and total cost of ownership

The solution covers essential loan origination services and ensures your bank launches the same, with minimal upfront investment in time, effort, and resources. It has a flexible architecture that facilitates growth and changing market dynamics through easily customizable products and seamless integration with multiple host systems.

3. Differentiation and Competitive Presence

The Credit management System allows financial institutions to establish a competitive presence, while extending convenience of their financial services.

4. Increased customer satisfaction

Today, financial institutions continue to adapt new and flexible business models that increase customers’ levels through transparency and instantaneous provision of information and services. The NLS CMS enhances this through faster loan processing and thereby rapid response to client requests

 

BRANCH RESILIENCE SOLUTION (TERA OFFLINE)

Tera Offline Solution is a unique and powerful solution that supports offline transaction processing at the bank’s branches during unfortunate instances’ of network downtime or loss of communication.

 

BUSINESS NEED

Banks’ branch office serves customers during core banking outages or when there is no connectivity to HQ

The issue of system down-times and availability presents a number of challenges to a bank, some of which include:

  • Damaged corporate and brand image
  • Loss of customers/partner goodwill
  • Lost transaction revenue and business opportunities
  • Possible legal penalties for not delivering on SLAs.
  • Incurrence of extra remedial marketing costs
  • Driving business to competitors
  • Increased operational and capital costs associated with integration and support 

WHY TERA OFFLINE?

  • Tera offline offers business continuity
  • Customer satisfaction
  • Easy to use and to integrate to the core banking system
  • Automated uploads when service for core banking or network is restored.

RECONCILIATION SOLUTION (NTELLICHECK)

NLS Reconciliation System dubbed Ntellicheck readily integrates with any host system using a relational database and provides reconciliation services on account transactions including Nostro accounts with external system generated files, or with real time communication channels like SWIFT, ATM, Reuters or Clearing systems

SYSTEM HIGHLIGHTS:

  • Real-time matching and automation
  • Integration with existing infrastructure
  • Reports based on the reconciliation status for audit purposes
  • Provision of manual reconciliation for unmatched items
  • Review and reversal of matched transactions should Incorrect references be made
  • Allows reconciliations to be created for multiple banks, companies and environments
  • Multi-currency, multi-site solution deployable on multiple environments
  • Direct uploading of files not available to users in csv format
  • Built in email function to facilitate communication and notification
  • Configurable access rights to enhance security.

 

DEBT COLLECTION SOLUTION (TERA COLLECT)

NLS Tera Collect is designed to create, follow, collect, report and close pending debt collections through a consolidated Debt Collector. The module provides a comprehensive overview of the debt management process thereby saving valuable time and reducing operational risk by offering relevant information in one central system.

From this centralized position, a user can easily manage a broad range of debt management activities. The solution further provides a broad range of tools and features and easily integrates with existing systems due to its service oriented foundation.

The system offers a close management of customers through intelligent customer segmentation. This allows a bank to deliver dynamic, tailored collections for each delinquent customer, especially given the highly competitive environment and the ease of switching between banks, leaving debts behind them. With this solution, customers can be finely segmented to create an accurate profile and by using alerts and timely reports, banks are able to device and drive the most appropriate strategy.

The system presents an integrated approach to sales, collections and credit management. By synchronizing all customer data, a bank reduces error risk, lowers audit costs and helps manage customer relationships. With easy access to information, banks can make more reliable credit decisions and have full documentation of decisions through audit trails. With better credit decision making and improved collection strategies, banks can significantly reduce bad debt write-offs.

 

THE SYSTEM CONSISTS OF FOLLOWING PRIME MODULES AND FEATURES:

  • Data upload and assigning
  • Customer promise and 360 degree view • Enquiries and tools
  • Alerts and reports

 

REPORTING SOLUTION (NQUEST)

NQUEST is a data warehousing and Extraction application designed to facilitate enterprise reporting and analysis. The data obtained from the main source is cleaned, transformed and catalogued and is made available to be used by managers and other business professional for reporting, data mining, online analytical processing, market research and decision support.

The data warehousing module mainly involves selectively importing data from any host database to a Data warehouse Database through a data migration tool (NLS ETL Tool) During this process, no modification of the data or the database structure will be done on the host database. Once the data is available on the Data warehouse, the reporting team can deploy reports and enquiries on the NLS Report Server which will have direct network access to the Data warehouse. The NLS Report Server will host the report templates and enquiry logic that will allow end users to run reports generated from the exported data via a standard web browser.

 

EVENTS AND NOTIFICATIONS SYSTEM (TERA EVENTS)

Tera event and notification system is a complete solution and easy deploy in any banking application environment that effectively handles the subscription, message preparation, publishing and delivery of the message across various channels and devices.

Banks can define variety of templates, basic alerts and notifications including the appropriate channels for the delivery. In addition, it enables the users to define their choices and frequencies or triggers. It fully supports multiple network protocols and capable to capture the defined events across the diverse systems of the bank effectively leveraging the convergence of the technologies.

 

COUNTER FRAUD MANAGEMENT SYSTEM (TERA INTELLIGENCE)

Tera Intelligence is a suite of analytics helping banks to address their key risk and monitoring activities while comfortably supporting the ever changing and demanding requirements Its Transaction Monitoring and Rule Processor Engine that does Fraud detection, AML, and most importantly Trend analysis.

 

HOW IS TERA INTELLIGENCE DIFFERENT?

  1. Transparency. The solution’s monitoring process is completely transparent and easily configurable. The solution provides a portal that works through logical processes, bridging the gap between technology and compliance functions.

  2. Adaptability. The Solution’s Framework is easily adaptable to each institution's risk profile. Scenarios and risk factors are driven directly from the bank's anti-money laundering risk assessment and can be easily changed as the institution's or the industry's risks change.

  3. Depth of coverage. The solution does not merely assess transactions; it employs scenarios across a wide array of an institution's specific knowledge to develop alerts that can surface more suspicious activity that ever before possible. And as anti-money laundering functions evolve to cover all of an institution's financial crimes monitoring programs, the solution gives institutions the flexibility to accommodate changing requirements.

 

CORE BANKING SYSTEM (NURON)

Nuron is a comprehensive universal banking system that integrates all transactional banking operation into a flexible, multi-currency platform. The solution is designed to run either as a centralized independent system or a decentralized instance that can integrate or connect with other third party core banking systems hence flexibility. However, the later set up is limited to front office transactional processing while relying on external systems for back office operations.

Given the open nature of NURON’s proven java and J2EE platform, banks have the choice to select the supporting hardware and software platform with options for deployment on any hardware platform or OS, with industry standard application servers that support J2EE architecture and databases supporting any RDBMS built with SQL, flat file, or XML concept.

By adopting NURON, bank and financial institutions can rest assured that their customers will receive the service as and when they need according to their specific requirements, characterized with elegant performance, reliability and scalability.

 

THE SOLUTION’S MAIN FEATURES INCLUDE:

  • Branch front office
  • Retail Banking
  • Corporate Banking
  • Reconciliation module
  • Lending module
  • Debt Collection & Collateral Management module • Reporting system
  • NURON Universal Gateway - TIP Adapter

 

SACCO MANAGEMENT SYSTEM (AXON)

AXON is a tailor made solution for different institutions that include saccos, micro-finance institutions, dairy marketing societies and coffee marketing societies. The unique technology adopted for the solution makes it flexible to use across the complete lifecycle of cooperative societies operational, tactical and strategic management

Axon Sacco System caters for all the needs of a savings and credit co-operative society. NLS Sacco will ensure that your members are served in a secure, efficient, transparent and customer friendly manner.

 

THE SYSTEM CATERS FOR

1. Members Management: This module enables the society to manage all the records for individual, group as well as business clients.

2. BOSA (Back Office Services Activity): Axon covers existing and future needs of Sacco BOSA operations with the reliability it deserves because it is the core activity of any Sacco.

3. FOSA (Front Office Services Accounts): The FOSA Module covers all the operations of Sacco front office operations. These include till management, cash management and cheque management.

4. Axon Micro-finance: AXON Micro-finance is a next generation solution which is customized to meet the needs of Micro-finance institutions. The system has modules that include:

 

AXON MICRO FINANCE SYSTEMS

1. Client Management: This module enables a micro-finance institution to manage collective details from their individual, business and group clients.

2. Accounts Management: This module can be used to track and manage the organization’s savings account by tracking all deposits and withdrawals in a Client’s Savings Account, groups, group members and business clients..

3. Credit Management: This module ensures all parameters of an organization’s credit policy are adhered to throughout the loan life cycle. It provides different parameters for loan classification to ensure that the micro-finance institution gain full control over their valuable asset.

 

AXON ADD ON MODULES

  1. Financial Management Module
    General Ledgers: This can be customized within various combinations that have varying dimensions and for future Additions/amendments
    Budget and Budget Control: This enables Sacco/MFI with budgeted figures and enables you to lock postings within your budget.

  2. Procurement Module
    Axon provides a comprehensive procurement platform that automates and streamlines key procurement and purchasing-related work processes.

  3. Fixed Asset Management

    Axon provides comprehensive asset management module that incorporates all stages from procurement to disposal stage.

  4. Receivables and Payables

    Axon has an elaborate receivable and payable system that captures debtors’ transaction, update debtors ledgers, produce debtor’s management reports, record creditors details, process creditors’ related transactions and produce creditors management reports.

  5. Cash Management
    Axon Cash management enables organizations to monitor and forecast cash requirements, perform automated bank reconciliations, distribute payments efficiently and securely and automatically generate accounting entries.