ASEBA iBank Office Banking solution was developed as substitute of existing older FX iBank system. Having features important for end users in mind, there are novelties regarding data delivery to users, system reliability improvement, simplified entry and maintenance of users’ profiles, as well as improved performance monitoring.

Data delivery to users. Introducing Online banking solution into its offer, The Service centre starts providing services of a higher level. Instead of mere infrastructure through which user access bank data, it becomes actively involved, enabling system users to have available and previously prepared up to date information from bank. With this aim a new component was introduced which downloads data from bank and prepares them into packages for Online Banking application users with defined frequency, so that users can download them from Service centre database at first connection, which shortens the system response time towards user and ensures users’ satisfaction and trust into the system and bank itself. It has to be noted that thus prepared data packages are encrypted at bank side (adapter) and can be seen by user only, that is the security and data confidentiality concept we have had and maintained so far has not been violated.

System and information reliability improvement. Recycling component, introduced within the system, ensures that all users’ requests are executed within a reasonable time, or that, in case of a problem, user can receive information about the request status at any moment.

New generation user interface: Task orientation. New version of user interface is based on concept as promoted within Office 2007 Task oriented interface. The main difference in relation with the previous model is abolishing of menus and primitive operations, and focus at result that user wishes to achieve. Instead of a group of simple operations, each of which performs a small part of work, the new environment now contains a gallery of end results a user can get selecting appropriate option.

Clients have several versions of Aseba iBank Office Banking application at their disposal, depending on particular business requirements and specific user’s information system:

• Office banking Desktop – installation at a user’s computer Office banking Enterprise – installation and operating with central database accessed by several client applications; simultaneous usage by several users possible over central database.
• Office banking Desktop – installation at a user’s computer 
• Office banking Enterprise – installation and operating with central database accessed by several client applications; simultaneous usage by several users possible over central database. 

User oriented application and navigation by functionalities

New transfer order – national payment system

• standard payment order

1. payment codebook
2. automatic entry when already existing customers and appropriate accounts are entered
3. option to use calculator when amount is entered
4. several available options when orders are closed – creation of next order, signing, storing order drafts

• templates 

1. option to select whether templates can be seen by other users too, but not in case of multiuser program version 
2. option whether to keep amounts in templates or not

• order with available balance from last synchronization 
• transaction review option by given customer for whom order is prepared
• option of monitoring changes which are made in document
• printing of order list drafts
• printing of all individual order drafts

New f/x order 

• Standard payment order

1. entering and review of orders from segments enables easier entry and order review
2. controls 

• option to add statistics, to modify it or even delete
• option to send accompanying documentation along with order to bank – in a file form or as a scanned document
• adding or, on the other hand, modifying data about partners 
• controls

Order for selling and purchasing of f/x 

• order for selling and purchasing of f/x
• optional request on swift message receipt at desired fax, email
• f/x rate list review

1. archive access to f/x rate lists for required period
2. f/x rate list printing
3. f/x rate list import
4. f/x rate lists comparison

Synchronization – 

• Standard communication – synchronization of all data with bank
• Option of selective synchronization, by account, user, bank 
• Auto synchronization

Entry of different formats into application – txt, xls, SAP, multibank – supporting specific requirements of large companies and users

Import automation

• Reports relating import file with orders – error notification

Import of different formats into application 

Export automation

Import of user’s address book from competing applications 

• Customer modifications (optional enabling of entry and modifications), deleting customers, printing information on customers, review of transactions by customer
• option of direct entry of selected customer who had data entered into address book 

Statement

• standard statement in accordance with bank requirements 
• statement export
• statement printing
• review of turnover items by statement/selected statements
• grouping and filtering of items from statement/ selected statements in accordance with given parameters

Option to print statements of all accounts at once – important for accounting agencies

Creation of new payment order based on existing one – 

• from already existing orders
• automatically at opening (based on last received)
• from user’s address book
• using recorded templates
• by import into application
• from rejected order

Operative function of right mouse click – 

• Draft orders –

1. change of date 
2. bulk order modification

• Current changes –

1. Optional direct adding of customers into address book
2. Export into Excel 

Local user administration – 

• User review – online, local
• Role creation, its change 
• User creation

Application Multilanguage option – no additional installation

Every client can see their authorizations within the application, by accounts and by functionalities

New program versions are automatically downloaded – review of all new version modifications is available to user

Optional download of archive data for certain time period 

Reviews – 

• Filter – 

1. recording template filter
2. adding several different criteria for searching 

• Import of search result into Excel
• Setting list layout

Functionalities, tools available to users –

• Auto-administration
• Auto-integration
• Signature permission for verified orders only
• Save log of deleted orders
• Delete file after import
• Change of PIN policy, change of password
• Republic Administration of Public Revenue validation –included into package – selective notification option
• Change of application appearance
• Change of payment order form
• Tools for application setting and control

User manual and help – user oriented navigation throughout the application

Serbian banking market / 21 commercial bank