Templates

A template is an account-type set, a capability list and sample data. Provision it, tune it, go live. Two run today.

Structured finance

The book a major European bank has run on this engine since 2001, without its customer-specific configuration.

Loans given, funding taken, swaps given and taken, fees accruing either way. Accounts grouped into structures, structures owned by legal entities, books kept per entity. Multi-currency, multi-calendar, irregular schedules, rate and basis changes mid-life.

Switched on

Structures and legal entities

Multi-currency books with FX revaluation

Rate resets and accrual-basis changes

Day-end with forecast

Group reporting returns

Four-eyes authorisation

A structured-finance bookA legal entity owns a structure of four accounts: a loan given, funding taken, a swap and fee income. Below it, books, day-end and reporting.Legal entity: the lending subsidiaryStructure: Facility 2031Loan GivenUSD 40m, floatingquarterlyFunding TakenEUR 35m, fixedsemi-annualSwap Given / TakenUSD–EURnotional matchedFee IncomearrangementaccruingBooksone set per legal entityDay-endaccrue, reset, revalueReportinggroup returns from the same events
One structure, four accounts, one set of books.
A schedule with its conventions and calendars
Schedules with conventions and calendars.
Books for a legal entity
Books per legal entity.
Counterparties and their relationships
Counterparties and relationships.
Retail lending

A South African retail book: lending and investments, the payment rails and the compliance that go with them.

Personal loans, microloans and mortgage bonds beside call, fixed and notice deposits. Instalment plans level or structured, stepped, escalating or pinned by hand, with a balloon where the product allows, due dates moved by the business-day convention and irregular dates kept. Facilities and credit limits, collateral, instalment collection by debit order, collections through to write-off, statutory rules, tax certificates and regulatory submissions.

Switched on

Facilities and credit limits

Collateral

Debit orders, standing orders, instant payments

Collections and provisioning

Statutory early-settlement and notice rules

Reconciliation and suspense

KYC clearances, threshold and suspicion reports

Withholding tax and tax certificates

A retail lending bookA customer with a facility and collateral holds a personal loan, a notice deposit and a call deposit; payment rails, collections and compliance sit beside them.CustomerFacilityan agreed limitCollateralvalued, allocatedPersonal loanlevel or structured instalments, feesNotice depositnotice periods, maturity instructionsCall depositdaily accrual, capitalisationPayment railsdebit orders, instant, cashierCollectionsageing, promises, write-offComplianceclearances, reports, tax
A customer, three accounts, the rails and controls around them.
A personal loan with its forecast
A personal loan and its forecast.
Aged debtors
Aged debtors through to collector action.
A branded statement
Statements, branded per entity.
Same engine

Nothing above is a separate product.

Each template is a different account-type set and a different list of capabilities switched on. Corporate cash management, construction finance and asset finance are the next account-type sets, not the next rebuild.

Try this template

Hosted trials open with launch.