Security. Reliability. Functionality.
VCSBank is an integrated modular system covering all aspects of banking activity. It consists of a Core (Core Banking) and its accompanying business modules encompassing processes related to retail banking and wholesale operations. All modules are operating with common statical data, they are integrated in a uniform system for access control and management, and are customer-oriented.
The uniform approach to on-screen dialogues and menus design, the universal system of context-dependent links, and the thorough active control ensure a unified and easily comprehensible access for the end users to all of the bank’s information resources.
Regardless of their origin – a branch of the bank, Internet banking, payment systems SWIFT/BISERA/RINGS, ATM etc. – all bank transactions are standardized and processed in a uniform manner online in the course of a continuous working mode (24×7).
Parameterization and setup
Allowing system modification conforming with the particular bank’s specifics
Defining types of standard users, audit traces, dynamic monitoring of active users
Multi-currency, adjustable chart of accounts, work with financial centers, operational reports and journals, financial statements
Customer information file
Customer registration and maintenance of their electronic files
Term deposits, current accounts, savings, budget and special accounts
One-stop counters, cash-desk journals, activity and availability of banknotes
Utility payments and recurring payments
Specialized registers and interfaces
Loans and contingent liabilities
Consumer, home, and trade loans, bank guarantees, collateral, insurance, credit portfolio
Deal registers, payments, positions
Government securities, corporate securities, mutual funds, interface with the Central Depository, settlement of payments
Deal register, payments
Management of nostro accounts
Link rules, reconciliation procedure (evening out)
Other business modules
Description, a register of visits, fees
Invoicing, journals, returns
An inventory book, an accounting and tax amortization plan, revaluation
Reports and queries
User queries, reports for analysis and control, reports for the national regulator and other institutions