ARBES OBS

ARBES OBS (On-line Banking System) is a universal modern banking system that works in 24*7 mode and covers all the needs of small, medium and large banks.
With its help, banks can serve retail, corporate and private clientele while creating and delivering unique banking products and services in a flexible and unrestricted manner.

OBS is designed for the following

Banks
Credit unions
Loan provider
Fintech

Areas covered

Client administration
Loan and deposit product management
Payment transactions
Payment cards

Advantages

A building block model allowing for the implementation of only selected components (modules) that the bank needs to cover its activities
Speed of implementation – the box solution allows us to implement the bank within 9 months
Flexibility and wide range of parameterization options
Automation and digitalization of individual back-office and front-office processes

Frontend solution

Web client (WO) = complete servicing of clients in the branch network and back office via a web client
Internet banking = servicing your products via internet banking
Product overview, transactions, statements, requests for new products

Architecture, Deployment & Operations

Modular product composition
Open core system (more than 500 APIs exposed for Portals, IB, Mobile App, DMS, DWH, GPE)
Multi-entity and multi-language system
Lookup and report management
Powerful Oracle DB
Localization in EN and CZ, and others as required
Automatic upgrade feature

Deployment Options

Powerful Oracle DB
Localization in EN and CZ, and others as required
Automatic upgrade feature

OBS Modules

Applications/Applicants
Clients/Subjects (AML, KYC)
Deposits – current accounts, savings accounts
Term deposits
Payment cards
Loans – consumer/mortgages
Loans – KTK, revolving
Collateral
Bank guarantees
Transactions (one/off/recurring) SIPO (direct debit of multiple payments), request for direct debit, consent to direct debit
Payment transactions – domestic, international (SEPA, SWIFT), instant payments in the Czech Republic
Notifications (email, text message)
Reporting (dashboards, context, contextless)