Kastle™ Core Banking & Financial Solution

Kastle™ Core Banking is an SOA-based, customer-centric, end-to-end core banking solution that facilitates a wide range of banking operations and enables efficient handling of large transaction volumes on a daily basis. With application across different domains like commercial banking, consumer banking, Islamic lending, infrastructure finance, credit lines and foreign exchange, it allows banking institutions to

• Centralize operations and transaction information, automate core processes, and streamline advanced banking functions
• Provide clients with real-time, efficient customer service and a variety of interactive, integrated Web services
• Deliver a viable range of Islamic products
• Support end-to-end business banking products
• Simplify security management

Key modules and differentiators of Kastle™ Core Banking

Kastle™ Core Banking is designed to be a multicurrency, multi-entity, modular solution with a customizable interface. This end-to-end solution draws on 3i Infotech’s deep domain expertise in the banking, financial services, and insurance sectors to offer:

Key modules		Key differentiators
Integrated enterprise-wide document management and archiving Retail banking Examples of services/functionalities covered: Integrated Web services Real-time account management Fund transfers Check book services Utility bill payments Credit card services Customer alerts KYC due diligence features Renewal notifications Advanced teller management functions Remittance: Domestic and International (including SWIFT) CRM Module Increased lead management capabilities Lead sourcing Call reports Online general ledger Budget & expense management Forex management Trade finance Fixed assets and collateral management Business banking Loan syndication Structured finance Infrastructure finance Credit lines SME financing Micro-credit Micro-leasing Documentary credit Bank guarantees Islamic banking Reports and Analytics Comprehensive MIS reports Audit trial reports Daily transaction reports Customer detail reports Comprehensive inquiry module Statutory and compliance reporting Query and analysis capabilities Custom report formats Drill down data mining		Customer views Single statement listing all desired information for one client Charity account for penalty collections Smart Summary A tool to track all applications in the system at a single click Dynamic search screen Product Simulator Simulation tool for comparing different products, interest rates, documentation, and added incentives Duplicate Module Duplicate processing tool with flexible logic definition that screens all applications at lead and registration stages to avoid fraudulent or duplicate applications Dynamic workflow management Provision for conditional workflows, parallel workflows, and child workflows. Business rules engine Scalable business rule engine with parameter definitionto cope with the vagaries of business transactions Performance Management Tools to incorporate SLA and performance metrics into operational processes

Key customer benefits

• Better productivity, process efficiency, and time-to-market with scalable, proven capability for handling large transaction volumes,best-practice-based tools, straight-through processing, andautomation
• Minimized overheads, better information visibility, and cost-effective information management through an integrated and customizable business intelligence and data management platform with comprehensive MIS capabilities
• Increased flexibility with workflow-based tools, dynamic business process management and multilingual, multicurrency and multi-entity capabilities
• Multi-level comprehensive security with role-based access privilege, dual control system and two-factor authentication
• Increased customer satisfactionwith integrated Internet banking services and real-time account management
• Reduced business risk through embedded rules functions
• Built-in compliance to financial guidelines (GAAP, IFRS) and accounting principles

Kastle Core Banking can also be deployed with Oracle Database 11g Release 2.