Introduction to Australia Base

The Australia Base module provides specific model configuration for collateral, sector codes, etc. It also includes call centre screens with easy navigation to assist customers better. The call centre screens consist of customised Single Customer View, Arrangement Overview, Payments link, and Admin menu for quick navigation. Also, this module allows banks to create a customer record with an Australia-specific configuration, which contains details such as employment, address, financials, KYC, etc.

Role Based Home Pages

Temenos Transact provides this functionality for home pages based on the user’s role. This allows the bank users, Call Centre, or Customer Service Agents, to access the data and functionality they require, investigate and correct payment exceptions, and other day-to-day functions. Also, users are able to perform manual operations for loans, deposits and payments.

The benefits of this functionality are:

• Ability to log in to the Home Page of the Call Centre or Customer Service Agent and view the available features.
• Ability to service a customer via the Single Customer View which has the AUMB features.
• Ability on Arrangement Overview to view the AUMB features and make amendments to the account.
• Ability to log in to the Home Page – Administrator and view the AUMB features.
• Ability to display source and target loan details in the loan Arrangement Overview screen.
• Ability to display the future dated interest conditions, date of the split or merge for loans, future dated schedule conditions, flexible repayment options and product change history in the Lending Overview screen.
• Ability to display the product change history and scheduled change of an arrangement. Also, the account Id will be displayed in the Loan Overview.

The Alternate Account Number of type Cust Ac No - Customer Account No. has been displayed prominently on the top of the Arrangement Overview and in the Single Customer View screens as this is the number that is used for customer correspondence in Australia.

The following enquiries have been released as part of this functionality:

• The AUMB.NEW.SPLITS.MERGES.LOANS enquiry has been attached to the composite screen in the Lending Overview screen to allow users to view the source and target loan details.
• The AA.DETAILS.PAYMENT.SCHEDULE.AU enquiry has been attached to the composite screen in the Lending Overview screen to display the historic, current and future dated payment schedule conditions.
• The AA.DETAILS.FLEXIBLE.REPAYMENT.AU has been attached to the composite screen in the Lending Overview screen to display the attributes related to the flexible repayment.

• The AA.PRODUCT.CHANGE.DETAILS.AU enquiry has been attached to the composite screen to display the details for those arrangements where the Product Change activity has occurred or where the Product Change activity is scheduled.

User Transaction Restriction

In the User Transaction Restriction functionality, if a bank user is also a customer of the bank and has a Temenos Transact account, then the system will not allow the user to credit or debit that account based on the user login.

The User Customer Number field has been added to the USER application and it is used to manually capture the Customer Number of the bank user.

The system will check whether the customer of the account (arrangement) is the same as the User’s Customer Number stored in the USER application. If it is the same, then the system will not allow the user to commit the credit or debit activity.

Generic API's

This functionality allows banks to manage the customer records for the AUBASE.

The following items have been released as part of this functionality:

• The CUSTOMER,AUBASE.API.ONBOARDING.CUSTOMER.1.0.0 version is used to create and update an AUBASE customer record.
• The AUBASE.API.ONBOARDING.CUSTOMER.1.0.0 enquiry is used to retrieve the customer details.

Account Number Generation

This functionality allows banks to automatically generate the account number for each account contract created. The account numbers will be incremented as defined in the CMBASE.ALTERNATE.ID.PARAM application and if required, a check digit will be calculated and appended to the pre-defined account sequence number.

To avoid a duplication of the account number for banks with a multi company setup, the specific Bank-State-Branch (BSB) number can also be included as part of the check digit calculation. The BSB number is to be prefixed to the account sequence number for the calculation of check digits.

A configuration provision has been introduced in Temenos Transact to facilitate the automatic generation of the account numbers in a numeric number format where the starting number is defined by the bank and the system keeps incrementing this number by one for every other account number that is generated.