Banking. Features of retail banking services - Retail banking ("Retail banking") (lecture notes)

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Banking. Features of retail banking services - Retail banking ("Retail banking") (lecture notes)

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Features of retail banking services - Retail banking ("Retail banking")

The provision of retail banking services is one of the promising areas of the banking business, which is becoming more and more important for domestic credit institutions day by day (Denis Shevchuk). Meanwhile, work with the population has its own specifics. In particular, when organizing it, it is necessary to provide mass customer service, create a network of additional offices, operating cash desks and exchange offices, and expand the list of services offered as much as possible. In transactions with individuals, as a rule, small amounts of money are involved, therefore, when implementing this service, the bank will have to minimize its costs in this area. Hence the stringent requirements for the means that automate it.

The software package can be designed to automate the front- and back-office divisions of the bank and covers almost all areas of its activities in servicing individuals. Databases and algorithms are designed and developed in such a way that they can serve a large number of clients at the same time. There are various schemes for organizing the information and accounting process: online (when transactions are simultaneously performed with a single database in several bank divisions) and offline (when the databases of these divisions are separated). Software products built within the framework of a single ideology can be used in divisions of a credit institution with a different number of employees, volume and range of operations performed.

The system automates a wide range of retail banking services, including the following operations:

▪ on household deposits in rubles and foreign currency (with the implementation of logical and arithmetic control over the correct execution of these operations);

▪ with plastic cards;

▪ currency exchange (including acceptance for collection and examination) and with traveler's checks;

▪ with securities, lottery tickets, commemorative coins and precious metals;

▪ with safe deposit boxes;

▪ for accepting utility payments using cash registers and without using them;

▪ on accounting of valuables stored in various departments of the bank, as well as their acceptance for collection at the evening cash desk and the recounting desk;

▪ other incoming and outgoing cash transactions, as well as issuing cash using an electronic cashier.

Activity can be automated operating cash desks outside the cash node installed in trade organizations, allowing you to pay for goods both in the national currency and in the currency of other states.

The system can implement universal "Operating cash desk", which allows you to work with various types of valuables (currency, plastic cards, payment documents, securities and forms, coins, ingots) and provides a unified accounting of these valuables within the organizational and staffing structure of the bank.

The system allows you to implement any organizational and staffing structure of a credit institution, using flexible mechanisms for distributing user rights, assigning necessary functions, and combining users into groups (teams, shifts).

It is possible to automate both the calculation of taxes for various types of transactions, and the maintenance of accounts of non-resident clients in accordance with the requirements of the tax authorities.

The execution of transactions must comply with all the requirements of the current regulatory and legislative acts of the Central Bank of the Russian Federation and the Savings Bank of Russia for the provision of services to individuals (both residents and non-residents).

The system allows you to carry out in the central branch of the bank arithmetic and logical control of operationsheld in subordinate branches. Thanks to the flexible mechanism for reflecting transactions performed on the bank balance sheet (account account assignment), the client can set up any accounting posting schemes these operations.

Integration with other back office applications allows you to set up the necessary technological chains to meet almost any accounting requirements for various types of banking services. To work with the database, you can use SQL queries and restore the database in case of its destruction as a result of a system failure.

Author: Shevchuk D.A.

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