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Macrobank Overview Macrobank is an innovative and reliable software platform specifically designed and written to serve the needs of small-to-medium sized banks, corporate treasuries and other types of financial service providers. Specific solutions are made up of sub-systems and modules, which may be mixed in any logical combination and easily customised to meet precise requirements of the client. Macrobank is a robust, reliable and time-proven technology, which has been successfully used for years by financial institutions across the globe. All Macrobank-based solutions are real time, multi-currency, multi-lingual and support multiple delivery channels (multiple branches, internet banking, SMS banking). Macrobank's core banking solution manages both front and back-office of the financial institution and interacts with Internet banking. The core system is made up of 3 sub-systems: multi-currency accounting, workflow automation engine and system administration. The accounting sub-system comprises a user definable chart of accounts, general ledger, budgeting, customer record, correspondent banking and reconciliation facilities, charges and commissions (integrated with the workflow engine), transactions and reporting modules. The workflow automation engine provides unmatched flexibility and efficiency in setting up most complex transaction processing rules and product life cycles. It is a powerful and easy to use tool for the management and control of the entire workflow in a financial organisation. It is an invaluable facility for modifying current and introducing new, innovative products, which enables the user to quickly respond to ever changing market situation. A broad array of functionality is available to meet diverse business requirements of various types of financial institution. The processing of transactions concerned with deposit-taking, lending, mortgage loans, foreign exchange, cheques and leases are fully supported. Packages may come complete with card management module, SMS banking, Internet banking, web-based customer relationship management and anti-money laundering modules. These can fully and seamlessly be integrated into the core system, which is an indispensible component in every case. Internet banking is a highly secure web-based customer account management system, which enables the bank's clients to be in full control of their finances round the clock anywhere in the world, providing there is Internet connection. Internet banking is an easy-to-use and convenient facility for the bank customer to view their account information, send wire transfers, transfer funds between accounts, exchange instructions, set up standing orders and apply for banking products online across the internet. Internet banking may be complemented by E-cash module interfaced with the most popular e-cash providers (E-gold, Gold Money, E-bullion, Pecunix, Web Money) Information security has always been one of our chief priorities. Extensive multi-level security system is used to protect confidential data. From the security perspective, there are 3 major aspects to be addressed - database security, data transmission security and application security. To protect the database against unauthorised access, network and server operating systems are used in addition to appropriate network configuration. Data transmitted between the institution's web server and the client is protected by internet browser, supporting SSL with encryption key length of 128 bits. At the application level, the back-end features password protection, comprehensive audit trail facility, user role setup, role-based access rights and authority level definition among others. Access to Internet Banking is protected by secure login enhanced with anti-keystroke logging and anti-spyware facilities, as the first layer of user authentication, and DSA digital certificates, security token devices (two-factor authentication facility) or transaction authentication numbers (TAN) as the second set of checking before the data received from Internet Banking is accepted for further processing by the back-end modules. The system's functionality is described in greater detail in the Modules section of the website System Requirements Database: MS SQL Server 2000/2005
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