1Copyright 2019, Oracle and/or its affiliates. All rights

1Copyright  2019, Oracle and/or its affiliates. All rights

1Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal Insert Picture Here Accelerator Pack FCUBS 14.3.0.0.0 CASA 2Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal Program Agenda

CASA Introduction CASA Account Classes CASA Cheque Book CASA Stop Payments

CASA Amount Blocks CASA Spend Analysis CASA Interactions

CASA - Account Switching Service CASA Multicurrency accounts CASA Statements, Advices and Reports 3Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Introduction

4Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA - Introduction The CASA module handles Current Accounts and Savings Accounts Bank User can create Saving or Current accounts for all type of customers (Individual, Corporate or Bank) of bank through the CASA module. Each account that is defined is identified with account number. The structure of the account number is based on the account mask maintained at the branch parameters which can be modify by branch

level also. 5Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA - Introduction For each Customer Account you can define parameters like: Account Class Type of Account joint or single Reporting Lines for the account Currency Account Limit Etc., 6Copyright 2019, Oracle and/or its affiliates. All rights reserved.

Confidential Oracle Internal CASA - Introduction Common Features: Saving/Current/Nostro Accounts based on Customer, With / Without Minimum Balance requirement. Account Statement generation based on frequency with or without charges. Cheque books with or without charges. Accounts can be opened in Currency permitted. Accounts with or without ATM/Debit card facility. 7Copyright 2019, Oracle and/or its affiliates. All rights reserved.

Confidential Oracle Internal CASA - Introduction Common Features: The account will go dormant if not operated (Based on Dormancy parameter). Credit Interest and Debit Interest, Formula based and liquidation frequency can be define.Charges would be levied on the following transactions: Cheque book issue, Stop Payment and Ad-hoc Statements etc. Limit tracking and overdraft facilities are enabled for salary accounts and current accounts.

8Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA - Introduction Common Features: Customer Account with or without Passbook, Customer account with Mandatory/Non Mandatory Document check list. Account with automatic status change, Auto deposit, Provision, Initial Funding. Account Transfers between branches. Spend Analysis for Individual Retail Accounts.

9Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Account Classes 10Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Account Classes Customer Accounts are classified into groups called Account Classes. Examples of account classes: High Net Worth Individual Savings Bank Accounts, Corporate Current Accounts

Ordinary Savings Bank Accounts 11Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Account Classes For each class, you also define certain common attributes applicable to all accounts in this class, such as: Facilities granted to the account holders (Pass book, Cheque book, ATM etc.) The General Ledger lines to which the accounts in this class report Periodicity and nature of account statements Dormancy parameter, Initial Funding, Provision, Auto Deposit, Automatic Status

Change, Multicurrency account Type of balance the accounts will normally have i.e. either debit/credit. Many of these attributes can be changed at the level of individual accounts. 12Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Account Classes Account Class: SAVIN SAVST SAVHN SAVNR CACIN CACCR

CACCS SASPND : Savings Account Individuals : Savings Account Staff : Savings Account Premier: High Net Worth : Saving Account NRI : Current Account NRI : Current Account Corporate : Current Account Salary : Savings Account Individuals With Spend Analysis 13Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal

CASA Account Classes Account Class: PNLSA1 NOSTRO SAVCA SAVCAR MCASAV MCACUR SAVFI : Notice Accounts with Penalty Interest On Cr Interest : Nostro Account for Bank : Cover Accounts : Cover Accounts with Reverse sweepin

: Multi currency Savings account : Multi currency Current account : Financial Inclusion Savings account 14Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Cheque Book 15Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Cheque Book

A Cheque book can be issued for the Account marked to avail cheque book facility. A cheque has one of the following status at any given point of time: Not Used Used Rejected Stopped Cancelled 16Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal

CASA Stop Payments 17Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Stop Payments A Stop payment could be for a specified period in which case the start and end dates have to be mentioned. A Stop payment can also be effective till revoked ( or for a unspecified period). In such a case only the start date need to be mentioned A future dated stop payment instruction comes into effect after BOD for

that day is run and is effective till the EOD of the expiry date. 18Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Stop Payments Stop Payments could be of various types : CASA - Stop Payment Amount Based Stop Payment Cheque Based Stop Payment Single Cheque

(Cheque Amount Mandatory) Stop payment Multiple Amount Based Single Cheque Cheque Based Cheques

Stop Payment 19Copyright 2019, Oracle and/or its affiliates. All rights reserved. Multiple Cheques (Cheque Number Mandatory) Confidential Oracle Internal (Start Cheque No.) (Start & End Cheque Nos.)

CASA Amount Blocks 20Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Amount Blocks Funds in account could be earmarked (or Blocked) for specific purposes Amount Block will block the certain amount for the customer account. They could be placed at the direction of the customer or at the behest of the Bank 21Copyright 2019, Oracle and/or its affiliates. All rights reserved.

Confidential Oracle Internal CASA Spend Analysis 22Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Spend Analysis Spend Analysis is a feature for the Individual Retail Customer Account, to Track all debit entries and to categorize them into particular spend class (Expense Category). After Categorizing into one category, FLEXCUBE will show Spend Analysis of Customer account in Pie chart, Line Chart and Bar Chart. To enable Spend Analysis for customer account, Bank user has to

enable it at Account Class level. 23Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Spend Analysis Spend Analysis Flag will be defaulted from Account Class level to Customer account level. Once Customer account saved and authorized with spend analysis flag checked, only when FLEXCUBE will track and categorize debit entries of customer account 24Copyright 2019, Oracle and/or its affiliates. All rights reserved.

Confidential Oracle Internal CASA Spend Analysis Account Class with Spend Analysis Enabled 25Copyright 2019, Oracle and/or its affiliates. All rights reserved. Customer Account with Spend Analysis Enabled Confidential Oracle Internal

All Debit Transaction Tracking and Categorizing By FLEXCUBE CASA Interactions 26Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Interactions Customer can initiate conversation (Any Query or Complaint) from FLEXCUBE Direct Banking and Bank User can reply to the customer from FLEXCUBE UBS.

Customer can set reminders for themselves. Bank can initiate different types of Alerts for the customer and customer account via channels like E-Mail, SMS and Dashboard. For example, TD Maturity Alerts, New product offers etc. 27Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Interactions Bank can show the Customer memo maintained to the end customer in multiple language and via channels like E-Mail, SMS and Dashboard. Bank can broadcast message to all customer via Bulletin Board. End Customer can view message on their Dashboard at Customer Portal.

28Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA - Account Switching Service 29Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Account Switching Service Customer can initiate switching of accounts from one bank to another

bank Switching of accounts will be initiated by new bank (Outgoing) Switching of accounts can be Full Switch or Partial Switch Full switch This involves switching of balances and payment arrangements. This has pre-defined workflow and a SLA of 7 working days. Partial switch This is switching of selective payment arrangements from the old bank. This does not have pre-defined workflow and SLA. 30Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Account Switching Service

Following are the Interbank messages for FULL and PARTIAL switching Information Request (acmt.027.001.02) Information Response (acmt.028.001.02) Cancel Payment Arrangements (acmt.029.001.02) Request Redirection (acmt.030.001.02) Request Balance Transfer (acmt.031.001.02) Acknowledge Balance Transfer (acmt.032.001.02) Notify Account Switch Complete (acmt.033.001.02) Terminate Switch (acmt.036.001.02) Technical Rejection (acmt.037.001.02) 31Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal

CASA Account Switching Service Full switch process flow New bank will capture and initiate the account switch Information Request message (acmt.027). Old bank will receive and upload the incoming Information Request message. The old bank will perform response action on the incoming request and initiate Information Response message (acmt.028). This can be accept or reject response based on the status The new bank will receive and upload the incoming Information Response

message. In case of rejection, the new bank may choose to terminate the request and initate Terminate message (acmt.036). 32Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Account Switching Service Full Switch Process flow In case of acceptance, the new bank will initiate Request Redirection message (acmt.030). On the preceding day of the switch date, the new bank will initate Balance Transfer Request (acmt.031) to the old bank.

The old bank will receive and upload Balance Transfer Request message. On the switch date, the old bank will act on the Balance Transfer Request message to acknowledge the message by calculating the closing balance. The old bank will respond to the balance transfer request through Acknowledge Balance Transfer (acmt.032). The old bank will initiate the positive balance payment. 33Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Account Switching Service Full Switch Process flow

The new bank receives the acknowledge balance transfer message. If the the closing balance is negative then the new bank will initiate the payment to the old bank. The new bank will send Switch Complete message (acmt.033). 34Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Account Switching Service Partial Switch Process flow New bank will capture and initiate the account switch Information Request message (acmt.027) indicating the switch type as PARTIAL.

Old bank will receive and upload the incoming Information Request message. The old bank will provide the response along with payment arrangements (Direct Debit and Standing Orders) in the response message (acmt.028). The new bank will select the payments to be cancelled by the old bank and initiate cancel payment arrangement message (acmt.029). The old bank will receive and upload the incoming cancel payment arrangements message. 35Copyright 2019, Oracle and/or its affiliates. All rights reserved.

Confidential Oracle Internal CASA Account Switching Service Technical Rejection The new/old bank will receive technical rejection message (acmt.037) and upload the data. If the technical rejection is for the Information Request message then the new bank will terminate without generating the message. If the technical rejection is for other messages, then the bank will be amend the data and resend the message. 36Copyright 2019, Oracle and/or its affiliates. All rights reserved.

Confidential Oracle Internal CASA Account Switching Service Terminate Account Switch The new bank will initiate terminate message (acmt.036) any time after the Information Request has been sent. The old bank will receive terminate message for information purpose only. 37Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Multicurrency

accounts 38Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Multicurrency accounts There will a new flag Multicurrency Account at account class (STDACCLS) level. This will be applicable only for Savings and Current type of Account Class. When user opens a CASA account in STDCUSAC [and other screens like STDCASAC, STDCIFAD-Account Details and STDCIF-Account Details), and selects a multi currency account, system would generate the multi currency account [referred as MCA henceforth] number along with customer account

number A new field (display only) Multi Currency Account will be available in the STDCUSAC under header. This will display the multi currency account number for accounts opened under MCA account class as follows primary account during creation and query and other sub accounts opened only during query. 39Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Statements, Advices and Reports 40Copyright 2019, Oracle and/or its affiliates. All rights reserved.

Confidential Oracle Internal CASA Statements and Advices Account Statement Adhoc Adhoc MAIL Statement Consolidated Account Statement Interim SWIFT Statement (MT941 and MT942) Account Statement Mail Detailed Account Statement (Primary, Secondary, Tertiary) Summary Account Statement(Primary, Secondary, Tertiary) 41Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal

CASA Statements and Advices Account Statement Swift Detailed Account Statement MT940 (Primary, Secondary, Tertiary) Summary Account Statement MT950(Primary, Secondary, Tertiary) 42Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal CASA Reports Daily Account opening Statistics Adobe Acrobat Document

Account Balance List Reports Adobe Acrobat Document Account Statement Report Account Statement New Minor Account Report Adobe Acrobat Document

Account Block and Reason Report Adobe Acrobat Document CA Stop Payment Report 43Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal Adobe Acrobat Document 44Copyright 2019, Oracle and/or its affiliates. All rights reserved.

Confidential Oracle Internal 45Copyright 2019, Oracle and/or its affiliates. All rights reserved. Confidential Oracle Internal

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