Deposit Management Systems
Deposit Management Systems
The deposit management system is a specialized module of the banking IT infrastructure that automates the entire life cycle of a deposit product: from opening an account to closing it, taking into account the individual conditions of the client, calculating interest, capitalization, prolongation and tax deductions. This is one of the most sensitive blocks in terms of customer experience, directly affecting customer loyalty, accuracy of calculations and regulatory reporting. The module integrates with the ABS, CRM and self-service channels.
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The deposit management system provides automated servicing of all deposit operations for both individuals and legal entities. It supports flexible setting of conditions for various types of deposits: term, savings, multi-currency, with the possibility of partial withdrawal or replenishment.
Key functions:
- Opening deposits through the front office, online banking, mobile application;
- Calculation of interest taking into account the conditions (fixed, floating, preferential);
- Capitalization of interest and automatic prolongation;
- Calculation of taxes and withholding of commissions;
- Accounting according to international and local standards;
- Generation of notifications and reporting for each deposit;
- Support for early termination and partial withdrawal.
Interaction with departments bank:
- Front office:registration and consultations on deposits;
- Back office and accounting: accounting, settlements, tax reporting;
- Risk management: analysis of deposit load;
- Marketing: launch of promotions and new deposit programs;
- IT:support and setup of business rules.
Solution owner - usually the head of the liabilities/deposit products department together with the IT director.
What strategic objectives do the proposed solutions solve
What tasks does the deposit management system solve?
Automates the opening, maintenance and closing of deposits; Minimizes errors in interest and tax calculations; Ensures transparency of conditions for the client and the bank; Allows you to launch flexible deposit products without modifying the code; Increases the speed and convenience of customer service through all channels; Ensures compliance with regulatory requirements for accounting and reporting.
Make working with documents simpler and faster
Who are the solutions suitable for?
Results after solution implementation
Reduction of operating expenses for servicing deposits by up to 30%;
Growth of the deposit portfolio by 15–25% due to flexibility and convenience;
Reduce losses due to interest calculation errors by 90%.
Increased customer trust and satisfaction;
Readiness to launch new programs without changes to the code;
Improving positions in bank ratings for customer service.
Full integration with ABS and digital channels;
Flexible configuration of deposit product logic in the interface without programming;
Scalability - adding new currencies, capitalization and prolongation modes.
Processes are optimized, routine operations are automated, and employees have more time for truly valuable tasks.
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FINEEO CS
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Fineeo — международная финтех-компания с более чем 17-летним опытом разработки решений для цифровой трансформации финансовых институтов. Мы специализируемся на создании гибких, масштабируемых и безопасных low-code платформ, которые помогают банкам, МФО, платёжным системам и другим финансовым организациям адаптироваться к современным требованиям рынка.
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BRB
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Biznes Rivoj Bansystems — инновационная компания, специализирующаяся на разработке IT-решений для финансового сектора. Мы автоматизируем бизнес-процессы, повышаем эффективность операций и помогаем банкам уверенно двигаться в будущее.
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SAMARALI
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Разработка и внедрение инновационных IT-решений для бизнеса. Описание: Компания предоставляет услуги по разработке программного обеспечения, интеграции корпоративных систем и цифровой трансформации. Ключевые направления — автоматизация бизнес-процессов, внедрение CRM и ERP, создание веб- и мобильных приложений. Целевая аудитория — банки, розничные сети, логистические компании. Опыт работы с международными клиентами более 5 лет.
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