Core Banking System: Customer Overview

Customer Overview

• Supports management of customer information including profiles, groups, relationships, and media files.
• Customer profiles for individuals and businesses include management of basic, additional, and financial information.
• Modifications to customer profile information require approval.

Customer Groups

• Manages different customer and account groupings based on customer purposes.
• Includes deposit and credit account groups along with general customer groups.
• Changes to customer group information also need approval.

Customer Links

• Facilitates management of relationships among customers (e.g., colleagues, spouses, employees).
• Approval is required for any modifications to these relationships.

Client Media Files

• Handles a variety of customer media such as digital signatures and business licenses.
• Aids in storing important documentation related to customer accounts.

Definitions

• Customer Profile Code: Categorizes customers with codes based on type (e.g., individual, SME, enterprise).
• Customer Group Code: Distinguishes customer groups with identifiers for various business types (e.g., governmental, private companies).
• Customer Association Code: Further identifies relationships, governed by bank-specific formats.
• System automatically displays codes uniquely assigned to each customer type; users cannot alter them.

Customer Statuses

• Defines statuses for customer accounts:
  • Pending to Approve: For new customers awaiting verification.
  • Normal: Active customers currently engaged with the bank.
  • Block: Status for customers whose information may need to be restricted.
  • Closed: Indicates customers who are no longer active.
• Bank provides customizable status options, allowing updates based on internal logic (e.g., waiting for approval, draft).
• Only authorized users (request creators and testers) can change customer statuses.