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Micro Software Designs is a leading supplier of Credit Unions automated solutions in the entire Caribbean.

Our flagship product CUMIS Plus (Credit Union Management Information System) is a comprehensive accounting package, designed to satisfy Credit Union needs. CUMIS Plus is a fully customizable cross-platform package, with cross-platform database support and also with an easy to understand and user-friendly interface.

The sister application iBOS (Integrated Banking On-Line System) is targeted towards small and medium sized banks. It has the full power of CUMIS Plus and even more. Both software packages have recently been certified by IBM to run on the full range of IBM servers.

Products Description
iBOS

• Features consistent menu driven, user-friendly, user interface and mouse support for Windows clients
• Multi platform support all popular Linux Distributions, SCO Unix, Windows 98, ME, NT, 2000 and Windows XP.
• Cross platform database support
• Features on-line fully integrated real–time General Ledger Module.
• The Chart of Accounts supports a 7-digit number
• Five levels (G1, G2, G3, S4 & D5) of Accounts are supported.
• Budget data can be entered on a monthly or annual basis
• Supports compound journal transactions
• Accounts Payable and Receivable
• Security featuring per user rating system (user IDs, passwords, ability to manage data on rating basis)
• Full audit log processing
• Branch accounting (supports 32 online branches)
• ATM on-line and batch processing (supports ISO 8583 messaging format)
• Multi currency support
• On-line cheque writer (including renumbering and realignment capabilities)
• On-line receipt printing per teller printer support
• Unlimited standing orders with automatic cheques generation macro processing facilities
• Printing on all types of printers (print preview, additional formatting, export capabilities)
• Client signature and photograph preview
• Mail merge and labeling (supports transfer data to Microsoft Word for bulk mailing)
• Comprehensive tellers cash accounting, float management integrated with General Ledger
• 15 customizable loan categories with ability to split across multiple segments (featuring loan projection on individual client)
• Interest calculation (using compound interest calculation, interest on a daily basis, or interest using reducing balance)
• Unlimited Term Deposits with ability to set individual interest rates
• Unlimited history support
• Fully automated General Ledger posting (with ability to post multiple months)
• Query analyzer (ability to process user defined queries)
• Large quantity of reports featuring filter facility


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