Over the years, financial institutions spent billion of dollars to integrate their application systems and endeavored to achieve their business and operation objectives, such as providing real time information access, customer centric, interoperability, standardization, etc. With TAIBS, integration is a choice but not a must. TAIBS not only provides banks a comprehensive banking solutions, but also extends the banking solution to electronic commerce, Internet delivery, and much, much more. It enables the banks to achieve the goals of customer acquisition, customer retention, and operation efficiency.

TAIBS is a multi-lingual and multi-currency solution operates on almost all commercially available platforms, such as Microsoft/Windows 2000, UNIX, Tandem's Guardian, OS/390 and OS/400. Its 3-tier distributed software architecture provides you an endless expandability, such as Internet, mobile and any new delivery channel as technology evolves.

TAIBS is a component-based Integrated Banking solution, consisting of Core Module, Savings/Deposits Module, Lending Module and Wholesale banking modules etc. There are also complementary products to TAIBS which banks can leverage on to better enhance their services and productivity.

TAIBS Core module, comprising General Ledger, Central Liability System and Customer Information System, provides the bank a centralized view on each customer and their total relationship with the bank, a truly customer centric system allowing the bank to manage effectively the relationship based on the customer's total portfolio. It helps the bank to perform relationship pricing, preferential service, customer-oriented call center, Internet banking services, data modeling and profitability measurement, etc. It further offers the bank a means to better the banks liability portfolio and risk management.

The Savings/Deposits module brings an entire deposit-processing capability to the banks. It supports Savings accounts, Certificate of deposit (CD), Time deposit and with a sub-system to handle Checking account. It also provides features on operational reporting, inventory checking, regulatory reporting, service charges, CD renewal and rollover, etc.

Lending module allows banks to provide flexible services in installment loan such as Mortgage Loan, Equipment Loan, Vehicle Loan etc and simple interest loans such as Personal Loan, Tax Loan and SME Loan etc. Loans module further supports Commercial Lending, Syndicated Loan and other Trade Finance Loans such as Packing Loan etc. Each Loan system further supports multiple loan types with sophisticated and yet flexible repayment methods.

ecSolutions' Wholesale Banking module consists of a list of sub-modules supporting middle- and back-office operations for Trade Finance, Treasury, Commercial Lending, Capital Market and Remittance. Trade Finance module handles letters of credit (LC), Inward Bills, Inward Collection, Shipping Guarantee, Inward Loans, Bankers Guarantee, LC Advising, LC Transfer, LC Negotiation, DA/DP Bills, Outward Loans, LC Reimbursement Claim, Margin and AR/AP functions with interface to SWIFT, Telex, Fax and local clearing networks such as RTGS, MEPS. The Treasury module supports FOREX and Money Market products such as Spot and Forward Deal, FX Swap Deal, FX Option Deal, Interest Rate Swap, Deposits Taking, Deposits Placements and other Negotiable Instruments. Flexible processing functions, such as contract entry/amendment, multiple settlement methods, accounting entries generation and confirmations etc., are provided to ease the operation handled by the Treasury Staff of the bank. It also offers rigorous risk management allowing staff to monitor customer limits and positions on-line real time. The Capital Market module provides portfolio management functions for long-term investment vehicles such as Fixed Income products, Securities and other Derivatives etc. It further provides buy/sell matching and cancellation, revaluation, and discount/premium amortization, etc. The Remittance module offers rich functionalities which support Inward and Outward Remittance and Clean Bills operations.

ecWIS possesses the power in removing the broken links among departments and significantly improving the turnaround time of handling piles of hardcopy documents. By integrating ecWIS, the workflow/imaging solution, TAIBS can handle the operations that require co-ordination among departments, large amount of input data, and documents such as Trade Finance, Loan origination and Credit card, realizing cost savings and improvement of service quality.

All modules of TAIBS are capable to handle different service channels including front-office such as teller terminals with passbook printers and PIN pads, customer service representatives, workstations, Internet and XML service channel etc. Besides, all modules provide standard interface to other members of the ecBanking suite and third party financial systems currently used by banks.