Profile Core Banking Solution

Profile Core Banking Solution

Fast and Flexible: Setting the Pace for Core Processing Systems
Profile is a real-time, multi-currency, deposit and loan core banking system developed as a single integrated solution. It contains a multitude of configurable features that are designed to meet the unique product needs of individual retail and commercial financial organizations. It supports an installed base of hundreds of institutions spanning more than 20 countries and ranging from de novo start-ups to top-tier global banks. Institutions using Profile as their core banking system experience industry-leading total cost of ownership benefits based on lower infrastructure and ongoing operating costs and increased productivity. Profiles proven scalability and high availability make it a premier alternative for organizations that are committed to implementing a 24/7/365, always-on solution. Adopting the FIS Profile core banking solution can result in significant benefits.

Reduced Total Cost of Ownership and Increased Efficiencies

Large banks often operate using many discrete, interfaced applications to support their retail products and services processing systems. Industry analyst firm Financial Insights estimates that core banking consumes more than 12 percent of a banks total IT budget, with more than one-half of that amount spent maintaining these aging systems and all the points of connectivity across the organization. FIS internal statistics indicate that the TCO for a real-time system can be as much as 60 percent less than legacy batch systems. Improved Time to Market and Enhanced Competitive Innovation In todays legacy environment, product and service innovation is often hampered by technical limitations. Large, global institutions can spend months implementing code changes to numerous back-end and peripheral systems to support the launch of a single new product or service. In contrast, a highly configurable and integrated system such as FIS Profile can launch new products or services within days. For institutions desiring to be major players in their chosen markets, overcoming technical obstacles to business innovation is paramount for competitive advantage.

Decreased Risks and Costs to Support Real-Time Payment Systems

In the present legacy environment, batch and daytwo processing is embedded within many U.S. payment processes. In addition to the costs incurred to process these transactions, banks are continually confronted with the risks and errors resulting from inconsistent exception processing. Many European and Asian institutions moving into the U.S. market are unencumbered by these legacy system limitations and can readily support real-time payments with automated exceptions processing.

Consistent, Real-Time Customer Experience Across Multiple Delivery Channels

Profile provides integration with all delivery channels through event-based services architecture. This architecture supports access to all Profile functionality through multiple industry standard interfaces, including XML, JDBC and RPCs that expose the Profile service classes that allow clients to communicate via SQL. FIS adopted the Integrated Financial Exchange (IFX) message standard for all banking applications and implemented the Profile Web services interface through this standard. Web services offers new and improved ways to design and address business requirements that leverage IT investments and create more agility in your organization.

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Business Agility and Competitive Advantage

The built-in Profile Product Factory was designed to help you dynamically adapt to changing demands for new products and services. The systems highly granular design lets you interactively assemble new products without the need for application development. The assembly process leverages an inventory of financial objects that can be used within any product category. In Profile, features are not locked into a vertical product application or predetermined functional area. As new features or regulatory enhancements are developed and deployed, they instantly become available across all product categories. Features can be individually modified through bankdefined overlays, right down to the individual account or customer level.

Platform and Database Independence

Profile is operating in environments around the world today on a wide variety of hardware and operating system platforms, including the following: IBM AIX P-series, Sun Solaris, HP-UX, HP Integrity, Intel Linux and IBM zOS Z-series. This extensive list of platforms ensures that financial services companies have the highest degree of flexibility and leverage in determining their operating environments. Many organizations also mix and match platforms; for example, they use one platform for their production environment, a different one for real-time reporting images, and a third for development and testing. With Profile, the identical application source code exists across all supported platforms, maximizing portability and ensuring that the same release level is available to all customers and markets. Source code can be copied and simply recompiled, with no changes, across all platforms. FIS delivered the industrys first database-independent solution, providing the capability for Profile to be implemented with a clients choice of Oracle, DB2 or FIS own highly scalable, open-source database solution.

Growth Without Business Interruption

Profile is a proven, highly scalable, real-time system exemplified by published benchmarks that produced more than 3,000 online transactions per second with sub-second response time. Profiles production installations are supporting millions of accounts worldwide, including one production instance exceeding 18 million accounts. The unique availability of architecture that provides support for true 24/7/365 capability greatly reduces operational risk and creates an always-on solution for you and your customers. In addition to exploiting hardware and operating system high-availability solutions, Profile implements a Logical Multi-Site architecture that maintains multiple, simultaneous copies of the database in geographically dispersed locations. The system can switch to a remote site almost instantly, recovering at the point of the last database transaction.

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FIS Profile Integrated Development Environment

FIS Profile Workbench Workbench is an Eclipse-based integrated development environment (IDE) for the Profile core banking system. Building on the industrys most popular open-source tooling platform, the workbench provides developers with valuable functions and features needed to rapidly build and enhance components for Profile. For requirements that extend beyond the core capabilities of Profile, the IDE enables you to produce your own complex software enhancements with high quality and within a tight project schedule.

Profile Workbench Features:

Instant access to code validation Improved code quality Increased individual and team productivity Increased code reuse Enhanced understanding of complex software Powerful code and database schema traceability tool Graphical tools for creating and maintaining database schema Code generation tools for PSL, SQL and Java Profile system navigator Interactive PSL interpreter

FIS Profile WebTools

Delivered as part of the Profile WebAdmin application, FIS Profile WebTools delivers browser-based tools for exploring and developing PSL artifacts. Additionally, with the built-in Profile WebTable technology, powerful ad-hoc reports can be created and shared with an easy to use, graphical report designer. Eclipse, Built on Eclipse and Eclipse Ready are trademarks of Eclipse Foundation, Inc.

FIS Profile User Interfaces

Profile is delivered with a set of browser-based user interfaces Profile WebCSR a user interface for call center and branch personnel to originate and service customers and accounts Profile WebAdmin provides back-office personnel with the ability to configure security, products, tables and reports Profile Teller provides transaction posting capabilities to your branch personnel, supporting deposits, withdrawals, transfers, cash, receipt and balancing options

FIS Solutions
Profile is part of the FIS suite of solutions a family of software products designed for financial institutions including: Profile WebClient Profile WebClient is an optional, Internet-based consumer banking application built on industry standard technology. WebClient provides the consumer with access to the robust features and functions of Profile in a self-service application.

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Profile Customer Information Management The Profile Customer Information Management (CIM) System enables enterprise customer management by providing the following functionality: Link accounts from other systems within an institution Link accounts from external financial institutions and non-banks using aggregation Link customer records from other CIS systems within the enterprise Additional business functionality: Account-to-account fund transfers Bill payment from any source account Sweep and overdraft transfers between linked accounts Personal budget management using any/all accounts Service fee calculation and assessment based on total relationship Correspondence and combined statements across all accounts Customer and account level events Packages and agreements Default Manager Default Manager is a single platform, independent solution that provides the agility and flexibility to accommodate all of your default processes, including collections, recovery, and bankruptcy/legal, and foreclosure, end of term, repossession/liquidation and inventory management. Default Manager is designed using the newest technologies that include serviceoriented and business-management architectures. Business Process Management Business process definition, orchestration, execution, compensation and business activity monitoring provide the architecture components required to support effective business and straight-through process models. New FIS product solutions, including Xpress and Default Manager, center their design on the strength and capability of business process management architecture.

Profile Outsourcing The Profile Outsourcing solution is an end-toend operation with technology solutions that help institutions introduce fully integrated, multi-channel banking. Profile Outsourcing gives you the freedom to concentrate not on technology, but on the core competencies that drive your business. The solution handles all the details necessary to manage banking systems from implementation to day-to-day operations.

TouchPoint Solutions
The TouchPoint suite of customer interaction solutions helps financial institutions enhance sales and service performance through all delivery channels, including the branch, contact center and your network of relationship managers.

Xpress Integration Solution Suite (Xpress)

Xpress is a standards-based, service-oriented architecture and rich set of business services preintegrated to FIS channel and core solutions, as well as non-FIS solutions. Xamine Xamine is an enterprise information architecture that provides business intelligence through operational, analytical and ad hoc reporting capabilities for core banking solutions.

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