We deliver eficient systems,
Transaction processing systems
Processing and monitoring of processes related to bank transactions.
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- including: bank cash management, the management of seizures by a bailiff, check management, credit card transaction processing, money order management, the management of corporate clients’ cash payments, and micro account management systems;
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- processes: input file management, processing data on the basis of defined parameters, preparing files for other internal banking systems, reporting, etc.;
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- a broad range of possibilities of, for example, searching a pre-processed transaction base or easily defining new types of files;
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- processing transactions from the Elixir system (including non-financial transactions and payment orders);
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- processing national and international transactions (including SEPA transactions),
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- a broad range of reporting possibilities, for example, searching through the sent transactions and generating confirmations sent to clients for those transactions.
Credit process management systems
Systems for comprehensive or specialised management of various processes related to granting bank credits.
- The credit process management systems designed by the Risco Software Company include systems for: credit verification, the management of cash loans and debit in accounts, the management of debt recovery processes, the management of a line of credit or a mortgage, the management of a base of ‘negative clients’, the management of questions directed to the Credit Information Bureau (through a CPU-CPU connection), and automatic generation of financial services agreements between a bank and a client,
- are based on data made available by the Polish Bank Association,
- enable one to, among other things, enter credit applications, verify them later, analyse creditworthiness, and generate documents for clients.
They enable a complex integration with many other systems, through dedicated interfaces.
Electronic banking systems
Systems for e-banking built by the Risco Software Company are usually comprehensive portals created considering clients’ specific, individual expectations, for example:
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- intranet electronic banking portals for e-banking,
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- online banking platforms, which enable the management of innovative bank products; and
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- knowledge base systems for bank employees.
Document flow systems
The document flow systems implemented most often at our clients’ are:
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- document flow systems for managing information about credit and debit cards sent to bank clients, with the option of searching information about bank statements;
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- systems for entering, verifying, and processing data from requests for: the issuance of a credit card, granting of a loan, or opening a line of credit in a bank client’s account;
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- systems for the monitoring of documents processed when managing various bank products, especially for collecting information about the archived documents submitted by clients;
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- systems for the management of the bank archive department;
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- systems for managing the flow of documents to a Company Social Benefits Fund;
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- systems for managing information about credit cards cancelled by clients; and
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- systems for managing information about consents to the management of payment orders.
Reporting systems
The reporting systems most often designed for the clients of the Risco Software Company are:
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- reporting systems for the Ministry of Finance, e.g. institutional clients’ transactions;
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- systems for reporting to the National Bank of Poland, Narodowego Banku Polskiego, e.g. on operations on non-residents’ accounts;
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- systems, which support the auxiliary systems of banks;
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- systems for supporting processes related to the creation of a payment balance and for reporting the so-called international investment position of a bank; and
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- a system for the management of processes related to communication with the Bank Guarantee Fund.
Sales management systems
Designed for supporting the processes of selling bank products and products of other financial sector institutions. The sales management systems designed by the Risco Software Company include:
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- systems for the management of insurance products sold by banks, including the management of application processing, file exchange with insurance carriers, wide reporting options, and the possibility of monitoring contribution payments made by clients;
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- sales management systems for credit products, loans, allowances, etc., e.g. from the Company Social Benefits Fund;
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- systems for the management of investment products (investment fund units) sold and managed by banks, including systems for file exchange with transfer agents (such a system functions in the whole bank department network and in the central office; it enables introduction and processing both financial and non-financial orders, and it is also the source of data for the transaction portal of a bank);
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- a system, which gives access to information about the investments of bank clients in investment funds – based on data sent by transfer agents; and
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- a system for cyclical generation and sending of data and information to marketing agents’ distribution network, currently used by Investment Fund Companies.
Risco Text Recognition
Risco Text Recognition – an OCR-type system in an organisation from the financial sector, Risco Text Recognition – an OCR-type system – is especially useful for the management of various agreements, documents, bank products, insurance products, etc. It transforms their content for the purposes of data management systems.
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- Generally speaking, an OCR system is a system that recognises text available in the form of an image. It transforms the image into the form of the text from photographs or document scans.
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- Risco Text Recognition is an OCR-type system that changes manually entered financial data in a semi-automatic manner. Having analysed documents saved in digital formats, recognised the text, and created an XLS file, it generates a new file to be used in the process of data feeding in a given bank system.
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- The system is an intranet application created with the use of the .NET technology.
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- A bank may use the system after it has bought a runtime licence for an application server.
FrontEnd systems
Front-end systems for financial institutions, banks and other financial institutions have a complex infrastructure, which means there is a need for many interfaces of operating systems. We dedicate Risco Software front-end systems to those entities.
Our systems create screens of new applications. They offer a universal interface, which facilitates the realisation of tasks. They enable one to build and manage the flow of forms, and to perform business rules and scripts. They function in Internet browsers, so banks need not install any software on the part of end users, while new versions of software are installed on a server and are immediately available for all users.
Currently, a new product of the Risco Software Company is being created on the basis of the front-end system, within the framework of research and development: a platform for selling bank receivables, Risco Receivables, an Internet platform for standardising and simplifying the process of selling past-due bank receivables.
Risco Software Sp. z o.o.
Al. Jerozolimskie 123a
02-017 Warszawa
tel. +48 22 622 58 33
fax. +48 22 622 58 34
e-mail: kontakt@riscosoftware.pl
