B-SECURED BANK is a Web and Mobile integrated banking solution for small and medium size banks. It’s a comprehensive, full-functioning micro finance banking solution which provides automated control of all aspects of micro finance banking)

B-SECURED is aimed at improving the level of automation of management processes in your Micro Finance bank. The package consists of the deployment of ICT hardware infrastructure for internet access and a web/mobile portal that enables the Micro Finance bank to carry out all activities ubiquitously on the internet and mobile devices. Our solution identifies stakeholders in the Micro Finance bank industry/community and provides a platform to perform their duties online/mobile irrespective of their location. Our proposal and solution is at affordable cost to your Micro Finance Bank.

Modules:

• Simultaneous support of multiple charts of accounts.
• Multi-currency general ledger
• Multiple balance sheets
• Handling of loans and deposits
• Accounting System complying with international standards
• (IAS30)
• Adjustable workflow
• Compatible with EFASS/PDA
• Standard reports
• All basic reports available through the internet
• Client-Bank module to manage accounts via the internet real time
• High level security (adopting data encryption, database and application level security).
• Full Client/Server Architecture
• User Friendly interface E-Fax/PDA
• Online/mobile Account management (Optional).
• Customizable deign
• Simultaneous support of several logs of operations (general ledgers) based on different of chart of accounts.
• Possibility of updating exchange rates during a business day
• Handling of loans and deposits
• Handling of Micro-finance loans lending and repayment
• Possibility of adjusting and maintaining groups of account classifiers.
• New Account modules for fixed and intangible assets and securities deals.
• Possibility to obtain GAAP-complaint reports for audit (Profit & Loss, Cash Flow, Balance Sheets etc).
• Generation of reports allowing for scheduled transactions and repayments.
• Advanced control system over scheduled transactions.
• Flexible real-time workflow system designed to set up document life cycle scenarios and transaction algorithms (based on a three level scheme “Document-Transaction-Balance”).
• Effective processing system of standard (Telex, SWIFT and EFASS) and non-standard bank messages.
• Adjustable message templates and built in Telex key calculation scheme.
• Data Export to MS Word, MS Excel, PDF, HTML and XML format.
• Client-Bank subsystem enabling bank clients to manage their accounts remotely via email and SMS.
• Multi-currency account (Core Banking)
• Inter-bank communications
• Consolidated report generator
• Interest calculation and payment
• Workflow manager
• Fixed and Intangible assets accounting
• Securities deals accounting
• Client Bank
• Loans and Deposit
• HR and Payroll Management
• Internet Banking
• Mobile banking
• Bar code, Smart Card and Biometric Management
Asset Module
Journal
Fixed Asset Module

Utilities Modules

Report Module

Asset Report provides a wide range of reports for managerial and user perusal.
Some of the reports are listed below:
Audit Report
• Audit Report
• Journal Reference Report
• Chart of Account Report
• Trial Balance Report
• GL Statement Report
• Customer Balance Report
• Customer Statement Report
• Customer Global Exposure Report
• Balance Sheet Report
• Profit and Loss
• Fixed Asset Action Report



Cash
Individual tellers have separate cash accounts that will be affected by all their transactions.
Ability to set limits of amount each teller can authorize
Main cash transaction that will warehouse the vault cash and can only be accessed by head of operations for the purpose of cash allocation
For current accounts, the system shares COT immediately payment is made.
Other charges can be done.
Its allow for value dating of all transactions
Adequate narration capturing.

Customer services
Opening of different account types, savings, current GL.
Print customer statements
Issue Cheque books on the system
Check customer balance
Ability to modify account after opening
Automatically flag dormant accounts as such on a predetermined bases.

Funds transfer
Support clearing activities by allowing cheques to drop on value dates of cheques
Allow for charges for services
Support investment of accounts to reflect interest, rates, amount, value dates, maturity, etc.
Support asset maintenance like depreciation of value, book value etc.
Allow for self proof reports of GL/Assets accounts

Head of operations
Allocate cash to tellers from vault account
Verify transactions and authorize them in the system
Monitor other system users
Perform end of day activities

Head of Marketing
Check balance only

Control
Nobody can start and conclude any transactions alone
Allow upgrades on system.


B_SECURED HAVE ALL THESE;
• Financial statement: Balance sheet, income statement, cash flow and liquidity
• Portfolio monitoring (Credit and savings)
• Performance rating indicator
• Customer information
• Non-Financial performance eg staffing, service quality, fixed assets etc
• Market trends and comparisons

1. Accounting Package
2. Portfolio tracking
3. Deposit monitoring
4. Customer information
5. Expandability and institutional growth
6. Flexibilty
7. Customer centric-tailored to meet recipients needs
8. Account centric (Standards and definition)
9. Credible-consistent with internal and external needs
10. Institutional types
11. lending methodologies
12. Loan interest types
13. Saving ad deposits account types
14. deposit interest types
15. Payment types
16. Payment frequencies
17. Multiple branches
18. Timeliness in processing

Usability
1. Ease of use and user friendliness
2. User interface
3. compatibility with ms word, sql and e-fass/
4. Application interface for data extraction and conversion into XML format

Ability to generate timely, accurate and convenient access reports such as
• CBN prudential returns
• Daily reports for decision making
• Past reports and 2 way flow
• Trend analysis for all important ratios required for decision making


Perform administrative and other support functions such as
• Security of information
• Back-up and recovery
• Fault tolerance and robustness
• End period processing
• Support infrastructure and maintenance
• Version control and upgrade strategy
• Maintenance support services

For contact and qoute contact 2348068134762 or mail info@esoftng.com, visit www.esoftng.com for details