Next Generation Banking Solution
{
      Rubikon




Intro
The How, When & Where...
For banking and financial services institutions the
drivers that precip...
{
       Rubikon




In turn, those six key attributes translate into a dozen
significant and rapidly attainable business ...
{
       Rubikon



Overview
Rubikon is Neptune’s flagship, “mashup friendly”
platform providing banks and financial insti...
The      Rubikon technology platform is based on
“real” new technology, 100% Java and J2EE, adopting
open standards and an...
Rubikon covers a full range of core banking functionality that
can be implemented in a modular fashion to suit each financ...
Rubikon Core
Workflow & Case Management

Rubikon Workflow management, in conjunction with
its rules engine, enables financ...
General ledger

This is a flexible integrated multi-currency, multi-
branch, multi-entity system that can handle large
vol...
Reports Facility

Rubikon offers comprehensive reports at various
levels, including budgeting and forecasting, cost of
fun...
Reference Data

Developing high-quality reference data is a constant
challenge for financial institutions and an essential...
Rubikon Retail
Retail functionality
Teller - Based on automated business processes,
tellers can perform their daily tasks ...
Collateral - Rubikon covers collaterals, securities or
guarantees pledged for the repayment of a loan if one
cannot procur...
Direct debits - Direct Debits are a simple way to pay
bills or make regular or occasional payments to any
kind of organisa...
Rubikon Trade Services
A fully-integrated application meeting the needs of
both local and global banks, Rubikon’s trade Se...
Figure 6. Rubikon Trade Finance




www.neptunesoftwareplc.com
                                          14
Rubikon Mortgages
                              Rubikon supports the creation of mortgages from a
                        ...
Rubikon Treasury
Neptune Rubikon is a web based service-oriented,
Treasury, Securities & Derivatives solution with com-
pr...
Figure 7. Rubikon Treasury




www.neptunesoftwareplc.com
                                        17
Business Intelligence




        Figure 8. Rubikon Banking Intelligence



Rubikon’s business intelligence module provide...
Channel Manager
Rubikon Channel Manager acts as an interface between           Administration module - The Administration ...
Technology Platform
J2EE Technology

Rubikon is 100% Java and embraces J2EE standards
and web services for integration. Th...
Browser-Based

The browser-based nature of Rubikon means no client
installation is required and makes propagation of new
c...
Database

Rubikon uses Oracle 10g RDBMS as its database and
delivers high performance and scalability on Windows,
Linux, a...
Neptune Software has delivered mission-critical core      LONDON, UK
systems to over 65 financial institutions and has the...
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Rubikon CBS Brochure

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Rubikon Core Banking System Brochure

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Rubikon CBS Brochure

  1. 1. Next Generation Banking Solution
  2. 2. { Rubikon Intro The How, When & Where... For banking and financial services institutions the drivers that precipitate a review and change of sys- tems can generally be categorised into a combination of three main business challenges: New or enhanced revenue streams Greater operational efficiency, visibility, risk and control Lower total cost of ownership Rubikon is a next-generation core banking technology platform that uniquely brings together six key attributes in a state-of-the art solution in order to address those three main business challenges: Integrated multi-channel management Integrated workflow and business process management Integrated business intelligence Integrated development environment Modern, clean, new technology and architecture www.neptunesoftwareplc.com 1
  3. 3. { Rubikon In turn, those six key attributes translate into a dozen significant and rapidly attainable business benefits for adopters of Rubikon: New products via mobile devices and the Internet to generate additional revenue streams Innovation in delivering value-added services linked to mobile and Internet channels to generate new revenue streams Introduce new and enhanced customer-collabora- Increase efficiency and visibility over business tive processes, e.g. payment transaction authorisa- through seamless integration to other systems tion or validation via mobile and Internet channels through an open SOA using web services that deliv- to generate new revenue streams ers a “single version of the truth” to end-users Reduced overheads and costs of errors thanks to Significantly decrease cost of ownership through planned procedures becoming the de-facto execut- optimisation of operations, e.g. Lean/Six Sigma ed processes that can extend outside the organisa- business process improvement initiatives tion through multi-channel delivery Reduce costs associated with be-spoke tailoring of Dramatically increase staff collaboration and systems that traditionally required software source efficiency through the adoption of “push” process- code changes using the integrated development ing on an exception basis through integrated work- environment flow and business process management Lower the cost of system delivery through 100% Refine and improve profitability of products, serv- web-based user interface, zero down-time, and ices and processes to deliver competitive advantage low-cost scalable hardware and operating system using integrated business intelligence requirements Extend key performance indicator data capture to High quality, low risk, low cost, quick win imple- boost efficiency and improve regulatory and risk mentation approach management using the integrated development en- vironment with no need for software source code In essence, Rubikon delivers; how it matters, when it changes matters, where it matters! www.neptunesoftwareplc.com 2
  4. 4. { Rubikon Overview Rubikon is Neptune’s flagship, “mashup friendly” platform providing banks and financial institutions of all sizes with banking systems solutions that enable the support of an agile enterprise that can reap signifi- cant benefits from change - turning change into profit. Rubikon is designed to deliver an industry specific, closely coupled, business-oriented and collaborative framework for financial services. Rubikon’s unique Financial Service Oriented Architecture (FSOA) facilitates rapid incremental deployment as; either a complete universal banking system, or a series of special-purpose applications that collaborate with the existing infrastructure to deliver new products or services, addressing new channels to market, or streamline currently inefficient or high-risk processes. This approach allows banks and financial institutions Products & Services to achieve accelerated returns on investment and gain Factory competitive advantage. Customer Business Process Each of Rubikon’s components is closely-coupled to Relationship Workflow & Case Management Management the others, enabling Rubikon to simultaneously pro- vide an environment that is: Business Intelligence, Risk Mitigation, Compliance & Financial Control Customer-centric Business-service and Workflow oriented User Collaboration Events & Limits Tasks & Alerts Monitor Event driven Easy and fast to develop new products and services Channel Manager Channel agnostic Intuitive and collaborative for users Management information rich and compliant Figure 1. Rubikon FSOA www.neptunesoftwareplc.com 3
  5. 5. The Rubikon technology platform is based on “real” new technology, 100% Java and J2EE, adopting open standards and an SOA architecture, which brings scalability and agility while delivering process excel- lence to the business. The use of J2EE enables the standardisation of a number of different technologies to create a robust platform for building distributed, multi-tier enterprise applications. In addition to an online, real-time gen- eral ledger, Rubikon supports high-volume transaction processing and provides embedded workflow manage- ment. By using an externalised rules engine, Rubikon enables financial services institutions to improve operational efficiency with increased automation and without compromise in performance or scalability. It reduces “time-to-market” for new products and services, improving client satisfaction, and gaining competitive advantage. Rubikon offers an effective combination of scalability, performance, online database, and no end-of-day requirement; enabling financial services institutions to give superior 24/7 services to their clients in a multi-channel environment, for faster implementation and cost reduction. www.neptunesoftwareplc.com 4
  6. 6. Rubikon covers a full range of core banking functionality that can be implemented in a modular fashion to suit each financial services instituition’s specific needs. Figure 2. Rubikon functional Overview www.neptunesoftwareplc.com 5
  7. 7. Rubikon Core Workflow & Case Management Rubikon Workflow management, in conjunction with its rules engine, enables financial institutions to define customised business processes such as loan origination, credit approval, loan set-up, drawdown, and transaction approval - as well as account open- ing, ‘Know Your Customer’, and case management. Unlike existing legacy systems that still dictate how and when financial institutions operate, Rubikon’s workflow engine enables organisations, in line with their business needs and compliance, to decide how business processes are implemented and monitored. Financial institutions can define alerts, notifications, and invoke tasks at each stage in a workflow proc- ess. Built on a configurable and integrated platform, Rubikon also has the ability to record and track cus- tomer queries and complaints received regardless of the channel used by the customer. Customer Management The customer-centric architecture offers a unified view of the bank’s customers across channels and products – providing valuable, real-time access to information relating to client activities and profile. It supports customer interaction through a number of channels such as web pages, email, automated telephone or SMS. Financial Institutions can lever- age this information to offer cross-selling opportu- nities, new and innovative products and services to their customers. Figure 3. Workflow & Case Management www.neptunesoftwareplc.com 6
  8. 8. General ledger This is a flexible integrated multi-currency, multi- branch, multi-entity system that can handle large volumes of transactions. The general ledger provides a flexible chart of accounts, organisational structuring, and a high level of automation with online real-time transaction updates. Financial institutions have the ability to apply or define different revaluation schemes across different operations and channels. Product Definition Framework A flexible product-definition framework based on tem- plates, business rules, and workflows enables users to create new products, modify existing ones quickly to deal with market demands. Products can also be deployed to specific branches or business units. Transaction Posting Engine Rubikon’s online transaction processing, batch post- ing, memo posting, and back-value transactions facilities are available for a range of transactions. Data integrity has been developed to support trans- action processing 24X7, as well as providing trans- action configuration flexibility. Financial institutions can benefit from Rubikon’s external rules engine to create new or modify existing policies and rules upon which new transactions and behaviour can be defined. User Defined Screen Facility Financial institutions can define and design new screens without the intervention of the solution provider. Additional fields can be added to existing screen and are reflected in the database. www.neptunesoftwareplc.com 7
  9. 9. Reports Facility Rubikon offers comprehensive reports at various levels, including budgeting and forecasting, cost of funds, activity based costing, asset liability man- agement – that are fully supported by comprehen- sive customisable report-generating and business intelligence tools. Operational Services Figure 4. Reports facility Operational services are available 24/7 to support transaction processing across disparate channels and the running of various batch jobs. An end-of- Security Management day batch run, in today’s environment is a costly The security features of Rubikon contain both ad- event for most financial services institutions. Often ministrative and operational types. Administration key banking system services have to be stopped types are used to set-up the operational security to perform these daily administrative and financial in Rubikon, whilst operational types determine the tasks. Rubikon eliminates the traditional end-of- runtime access to different parts of the system so- day batch processing. It allows a seamless transi- lution based on user roles. These features also con- tion from one day to the next without having to trol the restrictions in terms of monetary values to deny services – offering true 24/7 availability and users of the system. has no restriction on GL updates. www.neptunesoftwareplc.com 8
  10. 10. Reference Data Developing high-quality reference data is a constant challenge for financial institutions and an essential first step in creating an enterprise data management strategy. Rubikon Reference Data allows organisations to create one trusted source of cleansed, complete, consistent data. Reference Data categories include: security, configuration, business rules, customers, securities, legal data, product (definitions), book definitions and book hierarchy, accounting, toolkit configuration and Workflow. External Rules Engine The Rubikon externalised rules engine provides finan- cial services institutions with controls and the flex- ibility to change the operating rules, without recourse to the software vendor. It enables them to align prod- ucts, business processes, and bring differentiated new products to market fast, as well as supporting the management of regulatory policies and dealing with consolidation, mergers, and acquisitions. Alerts Rubikon provides various types of real-time alerts and notification schemes as part of the built-in workflow module in order to notify customers or employees about events that require their attention, for example when an authorisation is required or a customer has missed a payment. File Import/ Export Rubikon can import or export data from flat files, using ASCII, and XML formats without further cus- tomisation; alternatively, financial institutions may apply their own formats. Figure 5. External Rules Engine www.neptunesoftwareplc.com 9
  11. 11. Rubikon Retail Retail functionality Teller - Based on automated business processes, tellers can perform their daily tasks quickly and efficiently. It supports cash drawers, local and foreign currency deposit and withdrawal transactions, pur- chase and sale of foreign currency, traveller cheques, advice generation and much more. Current Accounts - Rubikon current account is a deposit product that can be structured in various ways. Some of the features include Cheque Process- ing, Overdraft Facilities, Interest bearing (Debit and Credit Interest), Charge application and waiver, trans- action restrictions. Cheque processing - Rubikon Cheque processing includes chequebook type creation, chequebook or- dering, chequebook issuing, customer used cheques tracking. Cheque based transactions handled in Rubikon include third-party cheques, on-us cheques, Banker’s cheques, travellers’ cheques. Deposits - Rubikon offers a wide range of demand deposit accounts in nominated currencies, with individual, joint or company ownership, with support for cheque and cheque book management including single, joint or multiple signatories, service cards, statements account service charges both periodic and irregular, credit and debit interest, standing orders, direct debits, and balance sweeps within the specified accounts at periodic intervals. www.neptunesoftwareplc.com 10
  12. 12. Collateral - Rubikon covers collaterals, securities or guarantees pledged for the repayment of a loan if one cannot procure enough funds to repay. Term Deposits - Rubikon supports term deposit, certificates of deposit, and notice savings accounts, and accounts associated with terms and conditions Funds Transfer - Funds transfer facilities between regarding the notice period before funds can be with- customers’ accounts are available with definable drawn, or partly withdrawn, or where the number of straight through processing. withdrawals is limited. It covers penalty charges for early withdrawal. Remittances - Rubikon covers a wide range of remit- tance or cross-boarder transfer facilities, such as local Loans - Rubikon provides a flexible framework and international SWIFT tranfers, direct debit authori- supporting credit applications, retail and corporate ties, inter-bank and intra-bank transfers, using when lending, including loan origination, loan set-up, repay- possible, straight through processing. ments scheduling and rescheduling, disbursement, lifecycle and penalty processing, delinquency and past Standing orders - Any person or company with a due management, identifying non-performing assets, current account at a bank can give a standing order provisioning, customer and group limits monitoring, instruction. The standing orders can be managed insurance and collateral management and reporting. online. Standing orders can be created for utility pay- All processings can be enabled and monitored through ments, credit card payments and other standing order workflow and the externalised rules engine. types for such as account transfers or school fees. www.neptunesoftwareplc.com 11
  13. 13. Direct debits - Direct Debits are a simple way to pay bills or make regular or occasional payments to any kind of organisation that accepts direct debit pay- ments. Direct debit mandates can be set up for utility payments, credit card payments and other direct debit types. As an extra control over possible excess pay- ment requests, a maximum amount can be optionally defined against the payment schedule. Clearing & Settlement - Rubikon handles clearing and settlement of paper based and electronic pay- ments through platforms such as RTGS, SWIFT and Loyalty Points - Loyalty points are supported for any automated clearing houses, and generates related type of product within Rubikon, enabling banks to reports. reward loyal customers and in turn improve customer retention. Advanced Retail Internet Banking - Rubikon Internet Banking has Leasing & Hire Purchase - Rubikon offers leasing been designed to make online banking experience and hire purchase facilities, which allow a business to secure, easy and efficient. The bank’s customers can use an asset over a fixed period, in return for regular perform a range of transactions via the net such as payments. balance information on savings, checking, and loan accounts, pay bills online, initiate stop payments, change password, perform account transfers and schedule recurring transfers. SMS Terminal - Rubikon SMS banking is based on exchange of SMS messages between the customer and the bank. It saves customers the time and effort of going to the bank branches, as the customer can conduct transactions from their GSM phone, irrespec- tive of the service provider. Rubikon SMS Banking is cost effective and is available 24 hours a day. Biometrics - Rubikon supports industry standard external devices for biometrics, MICR readers, card readers and image scanners. www.neptunesoftwareplc.com 12
  14. 14. Rubikon Trade Services A fully-integrated application meeting the needs of both local and global banks, Rubikon’s trade Serv- ices module supports all trade finance processing functionality. It is designed to satisfy and support the processing and reporting needs for documentary credits, standby letters of credit, collections, bonds & guarantees, shipping guarantees, reimbursements, remittances, participations & syndications and loans. It also automatically captures and generates SWIFT messages and documents. Rubikon Trade Finance makes decision-taking and risk assessment easier, since it takes over the bulk of the administrative procedures, at the same time giving comprehensive information online. Management information is available immediately through online enquiries or customised reports. It boosts productivi- ty, thus enhancing the options of processing increased business volumes without impact on staffing. Rubikon Trade Finance provides total security and comes with easy auditing of all processes. The products are component-based and facilitate the processing of trade finance products and related activities for all parties involved. This is achieved EUR O PE by automating all aspects of the business flow and minimising the need for data entry at all stages of A FR the process. The overall design allows standardised I CA processing whilst maintaining the flexibility to tailor the system according to regional needs and require- ments. Rubikon Trade Finance is user-friendly and feature-rich. It enables management to fully moni- ASIA tor and control the workflow. The system is seam- lessly integrated with SWIFT, Telex and document management systems. It’s a complete end-to-end solution, covering every step from customer input via the Rubikon e-Banking module through to a bank’s back-office. www.neptunesoftwareplc.com 13
  15. 15. Figure 6. Rubikon Trade Finance www.neptunesoftwareplc.com 14
  16. 16. Rubikon Mortgages Rubikon supports the creation of mortgages from a wide variety of channels – via mortgage brokers, internet, mobile, telephone, iDTV, post or from a branch with full “Know Your Customer” functionality. It also supports the entire mortgage lifecycle - from origination to maturity - offering customers a wide range of products. This includes various repayment options ranging from traditional tables, linear and interest-only mortgages through to current account and equity release mortgages sourced locally or inter- nationally in any currency. Interest can be calculated on any period from daily through to annually – with fixed, stepped, tracker, discounted or capped interest rate options – and includes the ability to support offset mortgages on any repayment method. The bank can choose to offer flexible mortgages with cash backs, portability, over/ under payments and mortgage holidays. Systems features include mortgage calculators and illustra- tions that link through automatically to the origination process – and mortgage servicing so that customer and application is captured once. www.neptunesoftwareplc.com 15
  17. 17. Rubikon Treasury Neptune Rubikon is a web based service-oriented, Treasury, Securities & Derivatives solution with com- prehensive STP front to back office capabilities, cross- product processing of a wide range of financial instru- ments. In an integrated system, it can process plain vanilla and complex derivatives, fixed income, and equity and treasury trades. Neptune Rubikon Treasury combines integration across financial instruments across the different func- tions within a financial institution. As a result, it is the ideal solution for small to medium financial in- stitutions looking to reduce costs through adopting a centralized approach to business processes, system operations and data consolidation. Rubikon Treasury functionalities include: Core Treasury Trading & back office processing Capital markets Cash management Middle office risk & control Market data analysis & trade pricing Limits monitoring Back office operations Settlements & confirmations Accounting Regulatory compliance Reporting & Enquiries www.neptunesoftwareplc.com 16
  18. 18. Figure 7. Rubikon Treasury www.neptunesoftwareplc.com 17
  19. 19. Business Intelligence Figure 8. Rubikon Banking Intelligence Rubikon’s business intelligence module provides critical business information in a dashboard style view, allowing authorised staff a comprehensive over- view of the health of the financial services institution or business entity at a glance. Graphic displays, in conjunction with the use of special colour coding and icons, ensure that the information is clearly and easily understood. Scorecards assist in monitoring the financial services institution’s key performance indicators (KPI’s) that may be associated with different aspects of the finan- cial services institution – financial, customers, busi- ness processes, learning, and growth. The business intelligence module allows the goals for each KPI to be separately defined. It also obtains and compares the actual performance data with the stored targets and where necessary, automatically generates alerts to areas of the financial services institution that may require the management’s attention. www.neptunesoftwareplc.com 18
  20. 20. Channel Manager Rubikon Channel Manager acts as an interface between Administration module - The Administration module any retail banking application and its external delivery utilises the business logic of the core business channels like ATM, SMS, mobile and Internet banking. management system and handles all administrative It allows the administrative user to manage easily the and back office configurations for the e-Banking e-banking environment, which encapsulates custom- solution. ers, accounts, branches, services, currencies and other required elements. Rubikon’s flexible architecture Channel Integrator - The Integrator Service makes it seamless to add new channels. The Channel provides a transparent connection point for the Manager ensures that customers experience a consist- channels and the core application. It also provides ent level of business across all delivery channels. a transparent communication between the external channels and the core system. The Inte- grator Service is packaged into eight major serv- ices: security, accounts, transfer, post, cheque, bills, correspondence and customer. Figure 9. Channel Manager www.neptunesoftwareplc.com 19
  21. 21. Technology Platform J2EE Technology Rubikon is 100% Java and embraces J2EE standards and web services for integration. The system’s modular architecture and integrated technologies ensure busi- ness requirements can be developed and incorporated as needed, minimising project risks, and reducing total cost of ownership. The use of J2EE standardises a number of different technologies to provide a robust platform for building distributed multi-tier enterprise banking applications. Some of the advantages of this approach include cross-platform portability, availability of open-source libraries, a large server-side de- ployment base, and coverage for most W3C standards. Software products developed under these standards, ra t h e r t h a n b e i n g i n h i b i t o r s , q u i c k l y b e c o m e f a c i l i t a tors of business change. Open Standards Rubiko n ’s a d o p t i o n o f o p e n s t a n d a r d s enables inter- operability and integration between applica- tions. The open design also allows financial services institutions to make the best choices in terms of data- base, application servers, and hardware platform. Service Oriented Architecture (SOA) As business and IT move forward, SOA enables finan- cial services institutions to increase competitive advantage and build a sustainable business by accel- erating innovation, capturing new revenue, developing operational efficiencies and empowering staff. It allows financial services institutions to link stand- alone processes to make changes faster and facilitate seamless design and execution across the financial services institution’s traditional boundaries - and to include its financial partners. Figure 10. Service Oriented Architecture (SOA) www.neptunesoftwareplc.com 20
  22. 22. Browser-Based The browser-based nature of Rubikon means no client installation is required and makes propagation of new changes fast and seamless. It employs AJAX technol- ogy to provide the user with a rich and user-friendly interface. Security Rubikon’s integrated security management system protects financial institutions from unauthorised application access and malicious activity. The archi- tecture ensures that business functionality is securely maintained and is only available to authorised users. The system provides sufficient flexibility to allow financial institutions to include third party authen- tication services or third party directory services if required. It includes the following components: A scalable secure service for storing and managing user information A runtime model for user authentication Scalability, Performance & High Availability An administration model enabling administrators The Rubikon architecture supports a clustered hard- to selectively delegate access rights for different ware deployment to provide scalability, availability, modules and activities across the system and fault tolerance. As the financial institution grows, servers can be added to the cluster and the architec- ture automatically balances the load between the serv- ers, providing faster access and improved availability to the customer. This architecture enables Rubikon to provide these services even in the event of server failure or loss of network connections. It also means that a clustered partition will continue to function in isolation until the complete cluster is reconnected. High availability enables the system to continue to provide services even when an individual server fails. A clustered environment is also useful for system ad- ministrators, who can selectively shut down servers for maintenance and up-dates without adversely affecting the services provided to customers. www.neptunesoftwareplc.com 21
  23. 23. Database Rubikon uses Oracle 10g RDBMS as its database and delivers high performance and scalability on Windows, Linux, and UNIX servers. It can also reduce total cost of ownership by moving from a single server to a clus- tered environment without changing a single line of code. To provide fault tolerance and scalability, Oracle’s Real Application Cluster option supports the deployment of a single database across a group of servers. Application Servers Rubikon has been developed and thoroughly tested on BEA WebLogic Server 9.2 developed to support mission critical applications and service-oriented architectures. The WebLogic enterprise-grade kernel keeps applications up and running even when deploy- ing a new version, changing the server configuration or failing over within or across data centres. Business Process Execution Language (BPEL) Business Process Execution Language (BPEL) can be used for composition, orchestration, and coordination of web services. www.neptunesoftwareplc.com 22
  24. 24. Neptune Software has delivered mission-critical core LONDON, UK systems to over 65 financial institutions and has the Tel: +44 (0) 20 8680 0239 proven experience needed to meet the requirements of Fax: +44 (0) 20 8253 5920 internationally recognised banking practices. In 2008, Neptune achieved a top 5 ranking in the IBS Sales NAIROBI, KENYA League of international banking systems vendors. Tel: +254 (20) 2719491 Neptune has 6 locations in EMEA, a development cen- Fax: +254 (20) 2719309 tre in Chennai and a growing global partner network. Since 2005, Neptune has demonstrated continuous LAGOS, NIGERIA process improvement by regularly passing ISO Tel: +234-1-279 8030 9001:2000 TickIT audits. Since 2006, Neptune has Fax: +234-1-587 0420 been awarded the highest available rating, 4 Stars, by CGAP (an organisation housed at the World Bank). CHENNAI, INDIA This rating is based on functional coverage of the Tel: +91 (44) 4266 6015 applications and customer feedback in terms of projects Fax: +91 (44) 4266 6021 being delivered on time and within budget. Neptune has a solid track record of financial stability JOHANNESBURG, SOUTH AFRICA and profitability with sustained re-investment into Tel: +27 (0)11 465 7253 research and development of its products. This has Fax: +27 86 5209127 allowed the development of Rubikon, a brand new world-class banking technology platform. KAMPALA, UGANDA Tel: +256-41-237781 Fax: +256-41-237782 www.neptunesoftwareplc.com info@neptunesoftwareplc.com

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