Category: Products

1. Product Introduction

The Capital Management Software, TiMS, is a tool that enables banks to manage and perform tasks related to capital transfers and capital trading. The software includes functionalities such as regular capital transfers, project-specific capital transfers, bond trading, borrowing, and depositing with other banks or credit institutions.

2. Product Goals/Benefits

• Internal Capital Transfers: Efficiently manage the internal movement of capital.
• Monetary Market Trading: Facilitates trading activities in the money market.
• Investment Capital Management: Manage and oversee investment capital effectively.

3. Key Features of the Product

Product Setup

• Setup for capital transfer products
• Setup for capital deposit products

Capital Transfer Module

• Management of capital transfer accounts
• Capital transfer transactions

Project-Specific Capital Transfer Module

Capital Deposit Module

• Management of capital deposit accounts
• Capital deposit transactions

Capital Trading Module

• Bond trading
• Secondary market operations

Main Components of the Product

• Management of project borrowing capital
• Management of regular capital, capital transfers, and branch-deposited capital
• Money market management
• Derivatives management
• Investment capital management
• Reporting system
• System administration and parameterization

4. Conclusion

This solution is suitable for all financial institutions and banks, aiding in the efficient management and allocation of capital resources. It helps promote growth, enhance control, and minimize risks, while also saving operational costs for a given transaction volume

1. Product Introduction

The ePINPLUS Smart Electronic PIN Management Software is a management solution that delivers PIN codes to customers via SMS, email, or Mobile App without the need to visit a bank branch. The PIN information is securely encrypted (time-based) to ensure high security and confidentiality (including resend PIN, batch PIN delivery, and PIN reissuance), preventing information leakage and forgery, thereby protecting customers.

2. Product Goals/Benefits

• Reduce Inconvenience for Cardholders: Cardholders do not need to visit the bank in person or wait for a long time to receive their PIN.
• Increase Security: Enhances security during the processing and delivery of PIN codes.
• Cost Reduction: Lowers costs associated with handling, printing, and delivering PIN codes.
• Environmental Benefits: Avoids environmental pollution by eliminating the need for carbon paper used in traditional PIN mailers.

3. Key Features of the Product

• System Administration
• System/Integration Channel Management
• PIN Query
• PIN Change
• Batch PIN Delivery
• PIN Decryption
• Reporting System

4. Conclusion

This solution is suitable for all banks that issue cards, helping to save costs for the bank and enhance the customer experience.

Solution Objectives

• Pre-printed paper registration
• Create Pre-printed paper printing Records
• Pre-printed paper Status Management
• Create a purchase order
• Reports

The main components of the solution

• Pre-printed paper Status Management
• Create a purchase order
• Import/export Pre-printed paper

Customer Objects

The solution is suitable for financial institutions that have the right to receive savings. The solution helps organizations to easily manage the use of the pre-printed paper, as well as make recommendations on the number of future forecasts, and create purchase records, invoices and report information to the State Bank when needed.

1. Product Introduction

The RLOS Loan Origination and Management Software is a system for managing the workflow chain of customer information registration, customer information changes, loan approval processes for overdraft limits, overdraft information change requests, and query requests. It helps manage tasks and shortens the time required to issue and approve overdraft limits for customers.

2. Goals/Benefits of the Product

The RLOS Loan Origination and Management Software digitizes the entire loan origination and management process, from when credit officers first engage with customers seeking credit, through approval, and includes steps for receiving applications, assessment, approval, and post-approval control for all types of customers.

Benefits of the RLOS Loan Origination and Management Software:

• Reduces service delivery time
• Enhances customer satisfaction
• Utilizes current resources and minimizes costs
• Strengthens risk management and compliance
• Ensures process integrity
• Supports decision-making control

3. Main Features of the Product

The RLOS Loan Origination and Management Software includes three main modules: Task Management, Reporting, and Software Administration. Details are illustrated in the following diagram:

4. Conclusion

Implementation at branches and People’s Credit Funds supports reducing the loan application approval time from 7 days to 1-2 days, an average reduction of 80% in approval time. This minimizes paperwork, enhances transaction productivity and quality, and contributes positively to environmental protection.

The solution primarily targets banks, aiming to optimize the bank’s lending process. By digitizing data, banks will save time on lending processes, eliminating the need for paperwork procedures

1. Introduction
   CorePlus is a comprehensive core banking software solution encompassing all the main banking operations for financial institutions and banks, including capital mobilization, credit, customer management, financial accounting, capital resources, payments, and management reports. The solution aims to centralize information management, facilitate quick and easy transactions, minimize risks, ensure strict control, and easily integrate with other systems.
2. Key Features of the Product
   – Customer Management
   – Savings Deposits
   – Credit
   – Loan Insurance
   – Accounting
   – Capital Transfer
   – Plan Management
   – ID Card Money Transfer
   – Reporting System
   – System Administration
   – Treasury Management
   – Account Overdraft
   – Share Capital Contribution
   – Guarantees
3. Target Customers
   Our solution is suitable for all financial institutions and banks, helping users address issues related to centralized information management and quickly processing business operations. The system is especially easy to integrate with customers’ other systems. The solution has been successfully implemented for Co-opBank Vietnam and the TYM Microfinance Organization, providing services to over 2,600,000 individual and household customers and processing approximately 2 million transactions per day.

1. Product Introduction

The Intelligent Payment Gateway Software – Payment Hub is a crucial payment center supporting payment-related operations within a bank. It acts as an intermediary between customer interaction channels and the payment execution system, responsible for receiving information and directing it to the corresponding interaction systems.

2. Product Goals/Benefits

The Intelligent Payment Gateway Software – Payment Hub assists banks in direct integration with the systems of Credit Cooperative Units (QTDND). This allows QTDNDs to conduct payment and transfer transactions directly on their Core Banking systems, with funds transferred directly to customers’ accounts at QTDND when money is sent to customers’ accounts via payment channels like CITAD, BIDV, NAPAS, VNPay.

The Payment Hub solution completes the internal payment system in enterprises, enhances processing speed within the system, and plays a significant role in the digital banking transformation strategy. It lays the foundation for comprehensive digitalization of payment services, improves risk management capabilities for payment products and services using modern technology, and meets the increasing demands of customers.

3. Key Features

• Reduced Transaction Time: Instead of collecting payments at QTDND’s Core Banking system and making payment orders at the eBanking system, the Payment Hub integrates directly with QTDND, allowing payment orders to be created and processed directly at QTDND’s Core Banking system. This reduces customer service time, lowers costs, and enables focus on developing new products and services, enhancing customer experience.
• Automatic Routing and Accounting Transactions:

• Upon receiving transaction information from other systems, the Payment Hub automatically routes transactions to the corresponding systems based on predefined rules.
• Payment and transfer transactions are automatically accounted for and recorded in the Core Banking system of the bank according to the setup.
• Inheritance: The Payment Hub inherits achievements from the E-Banking project being implemented at the bank, such as:

• Payment and transfer procedures through channels like Napas/CITAD/BIDV.
• Fee management information and service limits for each service.
• Integration information with other systems: Core Banking, Napas gateway, CITAD gateway, BIDV gateway.
• Security and Compliance: The application focuses primarily on authentication and authorization, with an additional layer of security through multiple embedded security mechanisms to guard against threats. The system integrates modern security tools and technologies:

• Host-2-Host Connection Authentication: Requires authentication for all requests from credit institutions to the bank, using message encryption.
• Third-Party Developer Connection Authentication: Requires authentication for all requests from third-party developed applications. Authentication methods include message encryption for all electronic messages and authorization authentication for authorized transactions.
• Data Compliance and Security: The system adheres to security principles, including data storage and transmission mechanisms for sensitive data, automatic key exchange mechanisms, data integrity checks, and strong encryption methods (A128CBC-HS256). These meet international payment system security standards, such as PCI requirements.
• Scalability: The Payment Hub is designed with an open architecture, allowing the bank to extend services to additional customers beyond QTDNDs, including other financial institutions with similar activities, such as Microfinance Institutions (MFIs), and innovative Fintech companies offering new financial services to end-users.

4. Key Functions

• System management
• User management
• Permission management
• Member unit management
• Product and service management
• Transaction review/reconciliation
• Monitoring
• Statistical reporting

5. Conclusion

The successful implementation of the Payment Hub project will provide a significant competitive advantage and benefits for the bank, such as:

• Enhanced risk management for the payment system.
• Better support for new technology requirements in banking and the development of new payment products and services.
• Improved customer satisfaction with banking services, particularly payment and transfer services.
• Increased business efficiency through operational cost savings via automation and integration.
• Improved forecasting and risk prevention, and liquidity management through reporting and analysis capabilities.