Charisma financial services - software solutions for the financial and banking industry

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Charisma Business Suite leverages TotalSoft’s more than 10 years experience in providing integrated software solutions supporting key process in the finance and banking sector. Charisma has distinguished itself by
delivering complex business software solutions, that are
not only beneficial, but provide usability and transparency to more than 60 customers in the financial services sector
including banks, insurance, leasing and brokerage corporations. Charisma Leasing is an unparalleled market leader, supporting over 80% of the Leasing market in Romania.

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Charisma financial services - software solutions for the financial and banking industry

  1. 1. Financial Services Simple | Intuitive | Flexible | Complete
  2. 2. Charisma Financial Services Charisma Business Suite leverages TotalSoft’s more than 10 years experience in providing integrated software solutions supporting key process in the finance and banking sector. Charisma has distinguished itself by delivering complex business software solutions, that are not only beneficial, but provide usability and transparency to more than 60 customers in the financial services sector including banks, insurance, leasing and brokerage corporations. Charisma Leasing is an unparalleled market leader, supporting over 80% of the Leasing market in Romania. Given the current economic context and due to the international increasing competition, the existence of a performing communication and informational system within the finance-banking sector is the key factor for the improvement of economic-financial indicators. „Before the implementation of Charisma ERP we concluded aprox. 150 new contracts per month. Due to the support of the application we reached 700 new contracts per month. A four times bigger volume of contracts, but not by multiplying by four the number of employees“, Adrian Alexe, President and General Director, Ţiriac Leasing.
  3. 3. Solutions All finance-banking institutions will benefit from a complete End-to-End solution. Given a powerful set of tools that easily adapt to the specific needs of each company, no matter its size, it will be able to significantly reduce the operational costs by increasing security, transparency and financial performance: The Leasing Module Monitors n and improves the complete management of contracts, financial and operational leasing operations, both in the back-office, as well as in the frontoffice; Increase n customers relationship; Increases the company profit with the help of flexible credit programs and n according to the market features and financing abilities (multi-currency, fixed or variable interest, configurable payment schedule, grace or seasonal periods); Reduces n corporation risk and operational costs thanks to the quick and easy access to information, by complete traceability of document flow (from offers to the repossession or selling of the good) and automatic calculation and generation of documents during leasing contract lifecycle; Efficiently manages the financed assets and client portfolio, permanently n maintaining the history of changes during the lifecycle of the contracts, no matter their type. The Insurance Module Decreases the internal expenses and company risks by fully managing the n insurance policies, no matter their type (asset insurance, life, civil auto liability, financial risk insurance) and automates the generation and calculation of their values based on the default conventions with the insurers; Increases the efficiency of the financial management of insurance policies by n complete traceability with the asset financing contracts, by managing the insurance registries and monthly account records through an insurance payment interface; Supports n business development by means of flexibility of insurance programs for the customer, according to their financial abilities (includes and/or splits the insurance premiums in the leasing installments with or without interest calculation). The Refinancing Module Efficiently tracks and manages the operations with the financing contracts n from banking institutions or within the company group by defining and maintaining the financing lines and money withdrawals.
  4. 4. Solutions Charisma Collection nthe advantage of a complete and integrated solution for any activity of Brings client debt collection management for the resolution process including legal procedures and repossession, as well as for remarketing (reselling, renting, refinancing). Charisma Analyzer (BI) n support in the decisional process, by offering information and Provides statistics comparisons based on the stored and processed data; n Maximizes the company profit of any size with the help of a complete set of analysis elements (scorecard, analytic grid, analytic chart, user-definition reports, dashboards for publication) and by tracking the performance indicators of the company evolution across time. Charisma Self Service n transparency and builds a strong relationship with all the institution Increases partners (customers, providers, distributors, etc); n the cost and operational load, both for the company and for its Reduces business partner with the help of a Web platform providing complete and transparent back-office information (invoice statement, payments, returns) and with the help of the facility delivered by on-line payment, e-mail or SMS notices and quick printing of interest documents. Charisma Cost Control n Decreases the financial risk by efficient control of expense budgets, enables access for every employee to send requests, as well as expense request approval according to the determined budgets (ePurchasing); n the costs and acquisition processes (RFP, RFQ, offer bids), increases Monitors the efficiency of the offering and ordering process and improves the capitalization abilities of the company's opportunities (eProcurement); n time and money assigned for the management of the contracts with Reduces providers, includes the management of the provider invoices' approval, as well as the history of the contractual relationships with business partners (Contract Management). Fleet management module n real time management and control of a fleet Provides n all aspects of vehicle life-cycle, from purchase, profile creation, routes Covers tracking, maintenance or assigned drivers, up to the removal from company’s management. n Streamlines the fleet management, significantly reducing operating costs and ensuring its proper functioning n Automates cost calculation for drivers and work routes, optimizing fleet and significantly contributing to company's profitability.
  5. 5. Solutions The Wholesale Module n and profitably manages the wholesale contracts signed with the Monitors dealers or entered between two third parties with the purpose of selling goods in large quantities under the conditions of profitable financing offered by the company; n calculation of interest and taxes related to the contracts and keeps the Enables history of all changes during the lifecycle of the wholesale contracts. The Factoring Module n the benefit of integrating the management of the financing factoring Brings contracts, improving the client portfolio and increasing the company's profitability; n manages credit lines, valid financial products, risk categories for Flexibly customer distribution, mechanisms for calculation of interests or discounts. Charisma HR n Is an integrated package designed for the management of human resources, personnel costs and fulfillment of legal obligations. Includes: the management of the employees and their position in the hierarchy, the parameterization and implementation of calculation formulas, salary types, benefits, sick leaves, holidays, withholdings, as well as generation of salary budgets, the submission of files to the Working Inspectorates and statements to the State budget. Reporting to the Credit Bureau and National Bank n the accuracy and validity of the data submitted to the National Banks, Ensures as well as the periodical reporting of the customer situation and active contracts in the portfolio. Charisma ERP 2010 – Core Suite n Integrates the management of company resources through the automation of accounting processes, the depreciation of fixed assets on various reference systems, by tracking the budget versus the results over the period and by recording sale and purchase invoices entered by the company; n the parallel management of the sites of the company or the other Ensures companies, both parts of a holding, whether they are completely independent, and allows for the simultaneous tracking of multiple accounting principles internal or external: RAS, IAS, USGAAP, group, IFRS, etc.), banking or group; n Is a powerful and complex tool for the monitoring the existing and future cash flows within a company, as a whole or by subunits. In order to provide complete solutions to its customers, Charisma Business Suite 2010 is supported with a wide range of IT services: consulting, project management, software development, system and operational support integration, training and instruction.
  6. 6. © TotalSoft 2013 TotalSoft Headquarters Subsidiaries Implementations Brazil Senegal Sweden Estonia Russia United Kingdom Poland Germany Belgium Luxembourg France USA Spain Czech Rep Ukraine Slovakia Austria Moldova Hungary Romania Serbia Italy Bulgaria Albania Portugal Greece TotalSoft Headquarters Global City Business Park, 10 Bucharest - Nord Street Building O2, 8th Floor, Voluntari, llfov,România P: +4021 335 17 09 W: totalsoft.ro, charisma.ro, acollada.com E: office@totalsoft.ro Austria | Greece | Saudi Arabia Qatar Saudi Arabia UAE

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