Emortelle (formerly CUMIS Plus): is a financial management fully integrated system that comprises of:

The Members and General Ledger - which is inclusive of members’ loans (loan forms, loan security, 35 loan categories, delinquency, loan write-off, fees; 16 deposit accounts; flexible and unlimited term deposits; 3 shares account;  foreign currency; cheque writer;  audit trail; teller system; receipt writer; unlimited history; members payroll \ deduction processing; standing orders; many reports on demand (including a custom report builder); signature and picture verification; beneficiary and joint account facility; fixed asset register (depreciation calculation); accounts payable; branch accounting; bank reconciliation; financial reports; user defined chart of accounts; comprehensive security control for users; ODBC compliant.

IVR (Interactive Voice Response) – Telephone Banking

GIA (Global Internet Access) – Internet Banking

ATM (Auto Teller Machine) Online and Batch processing

Human Resource module – manage: employees records, approved leave, benefits, events within the organisation and education

Staff Payroll module - generate employees’ time sheets, process employee salaries, generate multiple reports such as overtime, tax deductions, electronic pay-sheet
    

The system is user friendly with radio buttons, drop down menus, links to documents, date picker buttons, thin client technology, multiple document interface (multiple screens at once), automated alert pop-ups on members.


Emortelle can be run as a service; the database can be located anywhere in the world or in the same room as the clients

A member may have up to 255 master accounts attached to a single account number.


Networking - Supports Local Area and Wide Area networks using TCP/IP and Windows networking
Printing - Supports printing to all printer types, printer filtering, and multiple copies;  Advance printer preview and reformatting module, with export capability.

iBOS (Integrated Banking Online Solution): which is similar to Emortelle, but is more conducive to client’s as oppose to members.
It was designed or financial institutions such as banks, investment organisations, loan lenders, etc.  It is a financial management fully integrated system that comprises of:

The Investment module – unlimited local and foreign term deposits; fixed income mutual funds, government securities (bonds, treasury bills and treasury notes)

The Members and General Ledger - which is inclusive of members’ loans (loan forms, loan security, 99 loan categories, delinquency, loan write-off, fees; 99 deposit accounts; flexible and unlimited term deposits; foreign currency; cheque writer;  audit trail; teller system; receipt writer; deduction processing; standing orders; many reports on demand (including a custom report builder); signature and picture verification; beneficiary and joint account facility; fixed asset register (depreciation calculation); accounts payable; branch accounting; bank reconciliation; financial reports; user defined chart of accounts; comprehensive security control for users; ODBC compliant.
 
IVR (Interactive Voice Response) – Telephone Banking

GIA (Global Internet Access) – Internet Banking

ATM (Auto Teller Machine) Online and Batch processing

Human Resource module – manage: employees records, approved leave, benefits, events within the organisation and education

Staff Payroll module - generate employees’ time sheets, process employee salaries, generate multiple reports such as overtime, tax deductions, electronic pay-sheet
    
The system is user friendly with radio buttons, drop down menus, links to documents, date picker buttons, thin client technology, multiple document interface (multiple screens at once), automated alert pop-ups on members.

IBOS can be run as a service; the database can be located anywhere in the world or in the same room as the clients

A member may have up to 999 master accounts attached to a single account number.

Networking - Supports Local Area and Wide Area networks using TCP/IP and Windows networking
Printing - Supports printing to all printer types, printer filtering, and multiple copies;  Advance printer preview and reformatting module, with export capability.

E-Banking: is an added feature \ module to our flagships products Emortelle and iBOS (called GIA).

Web Interface is a facility to allow users to access current financial data and perform a limited transaction set in the comfort of their home or office 24 hours each day.  The interface is a secured, interactive and dynamic window into your account information.
The requests may or may not be executed at once; this is based on the settings the organization chooses to implement. The system responds with a request reference number in the necessary areas, this number can then be used to reference the requests

Users are allowed to:

• Login to the system – with a unique identifier and password
• Change their password – with rules such as minimum characters, special characters, etc
• Perform balance inquiries  – on specific or all accounts
• Transfer funds – from between their account products
• Perform member to member transfers – from their account to another member’s account
• Bill payments - from their account using the organization website
• Initial a loan application - Members must complete the Loan Application Form and submit for approval
• Inquire on the status of requests - All requests that cannot be immediately handled by the system, are given reference number.
• Request a Letter – by selecting the type of letter required and submitting for preparation.
• Obtain Extended Statements- in one or all accounts; the Extended statement does not appear on the screen, but will be e-mailed to the member.
• Obtain Quick Statements - in one or all account products
• Cheque Request – Members may request cheque from their account products
• Update Personal Information – Members are allowed to update \ change their personal information when necessary.

Interactive Voice Response (IVR): is an added feature \ module to our flagships products Emortelle and IBOS; IVR is a means of automating the retrieval of rudimentary information and it is a technology that has matured significantly since its introduction in the 1980s.

IVR is a generic term for systems that play voice messages in response to user requests. Both caller and system interact with and respond to each other - the system queries the caller about the desired action, and the caller responds. The system reacts to this response by routing the caller to another system or to a live operator or by sending a fax or electronic message to the caller and in some instances to a designated service representative or department.

Repetitive tasks in communicating, formatting, accessing information and routine requests for services or pricing information can be particularly problematic for high-growth companies that have little choice but to add more service personnel, pay overtime to existing service staff, or let service quality slide. With the introduction of IVR, its advantages become readily apparent:

Benefits of IVR

• Reduces cost of human labor
  Even very expensive, advanced systems incorporating voice recognition and text-to-speech capability can offer significant cost advantages over human labor.

• Frees personnel to "work smarter”
  IVR is ideal for automating repetitive tasks such as disseminating frequently required information, conducting a simple transaction, or routing a call to the correct party. Service personnel are thus free to perform more rewarding and important work. For example, an IVR system may give rudimentary customer information such as current account balances, allowing service agents to respond to more important work such as advising a customer on the best utilization of his/her resources.

• Improves customer service
  IVR machines can frequently offer faster access to information than human beings can. Callers can access the information they require and spend less time waiting for a live operator. IVR also helps to eliminate the possibility of human error in retrieving information. An IVR system will not erroneously swap digits when relaying an order number or reading an account balance.

• Enhances human contact
  An IVR system can be used to expedite aspects of the customer service functions, and the operator can respond to the customer inquiry armed with data about the caller. Coordinated "teams" of humans and machines are increasingly handling business communications in this manner.

• Improves data access
  By enabling access to information 24 hours a day, seven days a week, businesses can add value after regular business hours.

• Programmable, Customizable, and Flexible
  IVR can be customized with unique prompts for answers to be recorded. You can customize the voice and data prompts you use to suit your company. You can determine what kind of information you will capture, assign priority to your most valuable customers and plan the best use of your resources.

ATM Online (Supports ISO8583 Messaging standard): is an added feature \ module to our flagships products Emortelle and IBOS, it allows users to effectively manage the On-line ATM processing on the system.

Once this feature is turned on, the organization would be receiving transactions via ATMs and Point-Of-Sales system automatically and the members’ account would reflect this activity.

The ATM on-line processor is an authorizing and transaction-processing module designed to respond to electronic transaction requests from ATMs conforming to the ISO8583 financial messaging standard.

The on-line module requires no user input and produces no screen output, all output is stored in a log file. The module is invoked automatically as and when required, responds to requests and writes resulting transactions to Members Ledgers and General Ledgers.

The on-line module can handle multiple simultaneous requests from several ATMs and other Electronic Terminal Devices via an ISO conformant Switch.

The following considerations control the behaviour of the on-line module:

• Only active cardholders are allowed to perform ATM transactions

• Deposits are automatically placed on hold for the number of days as defined by the value of ATM Management Setup Controls

• Transfers are allowed only if the following conditions are satisfied
  • Both accounts allowed transfers
  • The debit account must allow withdrawals
  • The credit account must accept deposits

• Approved withdrawal and transfer transactions are stamped with a unique authorization code generated by the on-line module

• All exceptions are written to the log file. The module may also be configured to write incoming and outgoing messages to the ATM log file

 
Share Branching: is an added feature \ module to our flagships products Emortelle and IBOS.

 

The Shared Services module is an authorizing and transaction processing module designed to respond to requests from other Organizations conforming to the ISO8583 financial messaging standard.

This facility allows a member \ client from an Organisation to perform Balance Enquiry, Deposit transactions (cash and deposit), Withdrawal transactions, Transfer transactions, Loan Payments and Statement requests at another participating Organisation in real time.

• Enquiries will reflect actual real time balances
• Transactions will directly and immediately update the home database
• The System will treat the participating Organisation as a Branch with limited access
• The System will produce the necessary reports to assist the Organisation with reconciling receivables and payables resulting from this facility

Controls for the Service:
You can set:

• Which Account Products are available for Shared Services
• The Maximum Value that can be withdrawn per account
• The Maximum Deposit that can be received per account
• The Number of Days to hold Cash and Cheque deposits
• Fees chargeable

Network Communications:

• TCP \ IP Network
• High Speed DSL connection (512K) Hamachi VPN
• RHEL R3 (update 6) or RHEL R4
• Ports 20 – 23 opened (if a firewall is incorporated)