1 Capabilities for Banking and Finance FPT Information System Contact information Address: 101 Lang Ha, Dong Da, Hanoi, Vietnam Tel: Fax: Copyright 2011 FPT Information System. All Rights Reserved.
2 FPT INFORMATION SYSTEM CAPABILITIES FOR BANKING AND FINANCE Contents 04 Introduction 06 Projects 11 Products - Solutions & Services
3 4 Capabilities for Banking and Finance FPT Information System 5 INTRODUCTION FPT Information System Corporation (FPT IS) is a member of the FPT Group with eight subsidiaries and a joint venture in Vietnam. In addition, to penetrate further in regional market, we established two representative companies in Singapore and Cambodia and an office in Laos. It is home to more than 2200 engineers with in-depth expertise in application software, ERP and IT services, systems integration, and business process outsourcing. FPT IS has worked side by side with its clients for twenty years to provide superior products and IT solutions for major sectors, including: banking finance, securities, public finance, telecommunications, security defense, healthcare and education, the government and enterprises. FPT IS entered the banking-finance sector in 1991 in the early years when the Vietnam Maritime Bank was founded and FPT IS developed the first branch automation software deployed at the bank. FPT IS has progressed and sold its solutions to many banks, and signed contracts to become an agent of global IT giants such as IBM and Compaq. The company reached a major milestone when it implemented the core banking system for the AS400 server of the Bank for Foreign Trade of Vietnam (Vietcombank) in Software products/solutions development, systems integration, and IT services in the bankingfinance sector have since become major business domains of FPT IS. FPT IS researches and develops solutions to help customers improve their competitiveness and business performance. The company has launched many products/solutions in a variety of versions to suit customers in different periods of the market s development. Typical FPT IS products/solutions for the banking and finance sector include Smartbank, FPT.UTS, FPT.SmartConnect, and FPT.SBRS. Over the years, FPT IS has demonstrated its strengths in the banking-finance field: It has developed a comprehensive system of products/solutions to serve a wide variety of operations at banks, securities companies, and financial organizations. It is the only company that provides overall solutions for Vietnam s capital market including systems for trading stocks and bonds; monitoring transactions; registering and clearing deposits; open market bidding; and managing core stock businesses. It provides comprehensive solutions from IT infrastructure (servers, networks, security, etc) to banking applications (core banking, switching, card management, credit scoring, risk management, etc.). It is the only company with a nationwide network for warranty and maintenance service, offering its customers 24x7 technical supports. FPT IS has extensive experience in the banking finance field, with a large and well-qualified professional staff of experts. It is a high ranking partner of leading global IT firms including IBM, HP, Cisco, Oracle, Fidelity, Thales, Hypercom, and Gemalto. Smartbank core banking software is the preeminent core product of FPT IS. It has already been applied at 25 banks in Vietnam and throughout the Southeast Asian region.
4 6 Capabilities for Banking and Finance FPT Information System 7 projects FPT IS has always worked side by side with its customers and partners to implement information systems which have contributed to the success of its customers and the socio-economic development of the country 1. Banking - Finance 2001: FPT IS provided the financial switching system, card management software, and automatic teller machines (ATMs) for the Bank of Investment and Development of Vietnam (BIDV), marking the first widespread deployment of ATMs in Vietnam. FPT IS has since provided and installed more than 7000 ATMs, accounting for nearly 60% of the ATMs in banks across the country. 2002: FPT IS provided the financial switching system, card management software, and ATMs for the Bank for Foreign Trade of Vietnam (Vietcombank) and became an official partner of Oasis, which is now Fidelity, the world s leading provider of banking solution applications. FPT IS cooperated successfully with Oasis to implement IST/Switch, the financial switching solution that contributed to Vietcombank becoming the leading issuer of bank card in Vietnam. 2004: FPT IS programmed the network system for Vietcombank, the first time it programmed and implemented an international standard network and security system for a bank in Vietnam. 2006: FPT IS designed, and provided equipment, software and services for the national financial switching system (Banknet Vietnam). Consumers were no longer limited to only making payments at a bank; they could now use their bank card for payments at any ATM/POS in the Banknet Vietnam system. This project officially connected all the ATMs of banks in the Banknet Vietnam system, thereby contributing to the success of the national financial switching system. 2007: FPT IS provided the application system of multi-application smart chip cards (EMV) for Vietcombank, the bank with the greatest number of ATMs and cards in Vietnam. The project helped Vietcombank pioneer the conversion to EMV. It raised Vietnamese banks to international standards and promoted the development of non-cash payments. Vietcombank s customers can now use a secure multi-option card payment system and avoid the risk of fake cards and information theft.
5 8 Capabilities for Banking and Finance FPT Information System 9 2. Securities (HNX). The system has been side by side with trading government bonds in accordance with complies with the new business demands and Since the beginning of the Vietnamese securities market, FPT IS has been a reliable and credible partner of the State Securities Commission, the Hanoi and Ho Chi Minh City Stock Exchanges, the Vietnam Securities Depository Center and other securities companies. The Minister of Finance honored FPT IS as the unit that made the great contributions to the development of Vietnam s securities sector. FPT IS has worked side by side with its customers on many major projects which have contributed to the rapid development of the securities market over the past decade: 2000: FPT IS deployed the deposit and clearing system for the Ho Chi Minh City Securities Trading Center (now the Ho Chi Minh City Stock Exchange - HOSE) when it was established in The system was the foundation for the formation and development of the HOSE and the entire Vietnamese stock market. FPT IS implemented BOSC core business management system designed and developed by FPT for Bao Viet Securities Company (BVSC). This was the first business system deployed for BVSC when it joined the early days of the Vietnamese stock market, setting up a firm foundation for BVSC s development. 2004: FPT IS was the first and only unit in Vietnam to design, create, and deploy the stock trading software for the Hanoi Stock Exchange 2007: them consistently since the beginning. FPT IS implemented the HNX remote listing stock trading system, thereby ensuring database security and providing richer, more varied stock information to better satisfy both public and market members demands. The system also supports more efficient, transparent, and professional operation of the stock market. FPT IS deployed the FPT.INDEX core business management system for VNDirect Securities Company. FPT.INDEX was developed from the BOSC system and upgraded with new functions in accordance with international standards. This solution helped standardize business activities and promote VNDirect s competitiveness. 2008: FPT IS implemented the over-the-counter (OTC) trading system for the Hanoi Stock Exchange. Previously, there were no legal controls for unlisted public company stock transactions and the OTC system was deployed when UPCOM, the stock market for unlisted public companies, was established in The system creates a favorable environment for and manages the purchase, sale, and transfer of unlisted public company securities and increases transparency for a healthy market. 2009: FPT IS deployed the HNX special bond trading system, an important and significant event for both the HNX and the entire Vietnamese stock market. The system created a new and modern model for the development orientations of Vietnam s stock market and international practices. It facilitates collecting information on supply and demand, bond prices, and interest rates in secondary markets to promote liquidity and help issuers mobilize capital more efficiently. 2010: FPT.UTS, the core software system for securities companies developed by FPT IS, was implemented for Alpha Securities Company. The solution facilitates the management capacity of securities companies and reduces risks in stock transactions, as well as offering added value, technological breakthroughs, and a variety of other services. It includes two parts: The Front Office is for brokerage and the Back Office handles the post-trading business. It supports a wide range of functions from importing, receiving and sending orders to the trading floor, obtaining results and connecting with the HOSE, HNX and UPCOM; to credit businesses (mortgages, advances, margins), and direct connections with the commercial bank systems. Alpha Securities Company was the first to use FPT.UTS and its success set a precedent for other securities companies. The solution was implemented in Hanoi and Ho Chi Minh City to help Alpha Securities Company convert from their old software system that could no longer meet their business requirements or cope with the changes in the Vietnamese stock market to a new one. The updated system fully is flexible enough to handle further changes in the market. It helps securities companies minimize resources, improve working performance, manage systems, and provide better customer service. FPT IS deployed its deposit and clearing registration system FPT.CSD for the Vietnam Securities Depository Center (VSD) in a project that changed the basic organizational structure of the Vietnamese stock market from a two-level to a single level management model. This new system gathers data synchronically at the headquarters in Hanoi and the Ho Chi Minh City branch, manages proprietary information on each investor in the market, and provides a communication gateway for members of the stock market. It creates a foundation for the development of technological services in the future to ensure liquidity and transparency in Vietnam s stock market.
6 10 Capabilities for Banking and Finance FPT Information System 11 products - solutions & services FPT IS has researched and developed a range of products, solutions, and services to meet a wide variety of customer demands in the banking - finance and securities sector. To date, it has launched many products with different versions to suit each customer and every phase of market development including such solutions as SmartBank, FPT.UTS, FPT.Smartconnect, and FPT.SBRS Products - Solutions SmartBank - Core banking software SmartBank is a banking software system based on a modern technology platform with flexible functionalities to meet the specific requirements of modern commercial banks. From version 1.0 in 1999 with four modules, the SmartBank system has now developed to version 3.5 with diverse functions and includes 15 modules to effectively manage banking operations such as ledger accounting, customer information, funds, deposits, credit, collateral, capital, and other business aspects. The system provides modern, state-of-the-art solutions for clients and helps them reduce the total cost of ownership (TCO) and respond quickly to the e-commerce boom. The system supports products for home, internet, and mobile banking, and provides and supports electronic payment methods including smart cards, ATMs, and POS. SmartBank secures trading activities and accepts multi-currency processing as well as sending and withdrawing cash at many places. It also has flexible configuration, high parameterization and automation which enable easy upgrading to a new version. 1.2 Solution for collecting the State budget through banks This solution meets the professional requirements for collecting the State budget via cash, bank transfer, as well as through traffic fines, and import, export, and domestic taxes. The system comprises main modules for voucher processing, recording payment and issuing receipts for traffic fines, connecting to the Treasury and the Customs department, budget management, endof-day processing, and reporting. It enables tellers to collect taxes directly, supports connections to core banking, ATMs, and internet banking, as well as allowing taxpayers and tellers to exchange information regarding taxes, customs declarations, etc. to facilitate budget collection. The solution can be implemented in a short time to meet timely the authorization to collect the state budget via banks. FPT IS experts will hand over the solution to customers and train them in using the system; they will also provide support to resolve any problems that may arise. The solution has been implemented and used in the Vietnam Bank for Agriculture and Rural Development (Agribank); the Bank for Investment and Development of Vietnam (BIDV); Vietnam Bank for Industry and Trade (Vietinbank); and TienPhong Bank. SmartBank is being used by 25 banks in Vietnam and regional countries including: Banque Pour le Commerce Exterieur Laos - BCEL (Lao PDR); the Cambodian Public Bank (Cambodia); Vattanac Bank (Cambodia); the Public Bank of Laos (Lao PDR); Indochina Bank (Vietnam); Laos-Vietnam Bank; Sai Gon Commercial Joint Stock Bank - Saigon Bank; Vietnam - Thailand Joint Venture Bank - VinaSiam; Viet A Commercial Joint Stock Bank, etc.
7 12 Capabilities for Banking and Finance FPT Information System FPT.SBRS State Bank reporting system This system was developed for the State Bank of Vietnam (SBV) to meet its demands for synthesizing reporting data, and managing and economizing time and human resources. FPT.SBRS includes two systems with various functions: the data conversion system has functions for importing, mapping, maintaining, and exporting data, as well as for system administration. The reporting system creates, edits, inputs, and displays reports and exports them in text file format; it formulates measurement reports; manages information on organizations; and administers the system. FPT.SBRS conveniently and efficiently provides its customers with automatic data input and quick editing of data logic without changing the source code or updating the program. Users can update, edit, and add information during the synthesis process, and data can be stored for years to facilitate auditing. The system is available of the State Bank reports according to the decisions of statistical reports structure, structure of a report, etc. that are convenient for users. FPT.SBRS has been usded in banks such as HSBC Vietnam, Vietnam Thailand Joint Venture Bank (VinaSiam), Fubon Bank, Natixis Bank, Commonwealth Bank, Laos - Vietnam Bank, Jaccs Co., LTD, Viet A Bank, Sai Gon- Hanoi Bank, Dai Tin Bank, De Nhat Bank, etc. 1.4 ATM Gateway - Interface between switching and core banking systems ATM Gateway is a communication gateway that connects different information systems to ensure instant and smooth financial transactions. It is highly compatible with any switching or core banking system. ATM Gateway manages transaction fees, supports ATM transactions (including deposits, withdrawals, money transfers, balance enquiries, printing balance sheets and paying bills) as well as POS transactions such as payments, cash prepayment, account balance enquiries, refunds, adjustments, and confirmations. The solution s ISO8583 standardized communication protocol enables easy connection to other systems and customers have 24x7 access to online transactions. The system also supports transactions via ATMs and/or POS. The stability and accuracy of the ATM Gateway has been proven at more than 10 banks in Vietnam, Laos and Cambodia including Sai Gon Thuong Tin Commercial Joint Stock Bank, Sai Gon - Hanoi Commercial Joint Stock Bank, Viet A Commercial Joint Stock Bank, Vietnam Thailand Joint Venture Bank (VinaSiam), Vietnam - Russia Bank, Banque Pour le Commerce Exterieur Laos, and the Cambodia Foreign Trade Bank, etc. 1.5 FPT.UTS - Core software for securities companies FPT IS developed FPT.UTS, the comprehensive solution for securities companies, to improve management capacity and reduce risks in stock transactions; it offers a variety of services, added value, and technological breakthroughs. The solution includes two parts: The Front Office for brokerage and Back Office for handling posttrading business. It connects directly with the HOSE, HNX and UPCOM and supports importing and receiving orders as well as sending them to the trading floor and obtaining results. It also supports credit activities such as mortgages, advances, and margins, and is directly connected with the systems at commercial banks. This solution provides securities companies with the tools to manage their stock market activities and supports managing bonds and commodities market businesses. FPT.UTS supports deposits, trading orders,
8 14 Capabilities for Banking and Finance FPT Information System 15 automatic clearing, rights execution, pledges, etc, and includes new professional functions such as automatic prepayment, T+2 waiting time stock sales, and taking orders on credit. The solution also provides maximum online support for investors regarding queries, placing orders, prepayment, cash transfers, etc. The system provides many benefits for customers. Its open structure and centralized data management are flexible to accept new products and services, and enable securities companies to automate business processes, reduce management costs, expand and manage additional branches, trading offices, and broker agents. FPT.UTS has been applied in the State Securities Commission, the Hanoi Stock Exchange, the Securities Depository Center, the State Bank of Vietnam, Vietcombank, and APEC, FPT and OCS Securites Companies, etc. 1.6 FPT.SmartConnect - Connecting banks and securities companies FPT.SmartConnect is designed and developed by FPT IS to help the network of investors, securities companies and banks operate smoothly and efficiently. This timely solution complies with the recent Ministry of Finance requirements for banks to manage investor funds paid to securities companies. FPT.SmartConnect can be used by both banks and securities companies and includes the following main modules: An interface between securities companies and banks. Automatic checking of investor accounts; transfers to designated banks; and automatic encryption of data to individual bank standards. Verification of securities company and bank rights to execute trading. Storage for trading histories. Synchronization of offline transactions connected to the bank. As a connection between investors, banks, and securities companies, FPT.SmartConnect meets the requirements for money trading, and enables investors to use their accounts to make payments through different banks. It facilitates bank analysis of information provided by securities companies, supports comparison and control of information between the bank s core system and the securities companies, and ensures the security of online transactions. The solution has been applied in the Viet Star Securities Corporation, Phuong Dong Bank, Mekong House Bank Securities Company and the Bank for Investment and Development of Vietnam, as well as the Asia Commercial Bank, HDBank, APEC Securities Company, and VPB Securities Company. 1.7 FPT.SmartFinance - Core software for financial companies FPT.SmartFinance is a multi-function software solution designed for Vietnamese financial companies to manage financial investments and integrate administrative solutions. FPT.SmartFinance comprises 12 modules to manage the comprehensive system for financial companies, customer information resources, capital, accounting systems, credit, guarantees, funds, mortgages, fixed-term deposits, foreign currency, investment mandate information, and securities trading. The software has many proven benefits such as high security for customer confidence, user friendly interfaces, quick trading, easy connection to outside systems, multi-currency processing, and a high capacity for automation. It has been used by Vinashin Finance Company (VFC), Petrovietnam Finance Corporation (PVFC), Post & Telecommunication finance company (PT Finance), and BIDV Financial Leasing Company. 1.8 ATM Monitoring System The ATM monitoring system helps banks reduce human resources costs while improving monitoring to ensure their ATM system is always available to effectively serve customers. The overall system comprises three sub-systems: data input, automatic warnings, and ATM monitoring (functions system administration, ATM status and transactions, and monitoring support reports). The system supports instant data display, and provides comprehensive information on individual ATMs and their transaction status. The ATM monitoring system is currently being used by Sai Gon Thuong Tin Commercial Joint Stock Bank (Sacombank).
9 16 Capabilities for Banking and Finance FPT Information System FPT.STS Securities trading system FPT.STS is a comprehensive solution designed for stock exchange centers and developed with functions that meet common international standards. FPT.STS has three sub-systems including securities trading, market watch, and market information. This solution enables stock exchange centers to standardize operations, develop new products and services, integrate with other systems, and expand when upgrades are required. The system is highly secure with remote transaction capacity, and is supported by professional FPT experts. It is currently being used by the Hanoi Stock Exchange FPT.VSDS Depository and clearing registration system FPT.VSDS is business software created for securities depository centers based on a modern technological platform to manage a large volume of depository data. The functional modules of FPT.VSDS include: managing depository accounts, issuing organizations and securities companies; clearing; executing rights and transferring stock; transmitting and receiving data; and storing trading history. The system is being successfully used by the Vietnam Securities Depository Center. It meets depository center requirements for registering, depositing and settling stocks in one- or two-level, or mixed stock markets. It also supports centralized data processing, managing specific information, and an easy e-gateway set up, as well as creating a range of additional value-added services. The software makes it convenient for customers to pay their mobile phone bills; helps banks diversify their services; ensures security; reduces trade, labor and office costs; and improves global competitiveness. It is being used by Vietnam Thailand Joint Venture Bank (VinaSiam), and Saigon Thuong Tin Commercial Joint Stock Bank (Sacombank) Phone Banking Phone Banking is the automatic teller system for banking via telephone and call centers. The system supports providing overall information about the bank, its exchange and interest rates; general announcements; PIN changes; balance and debt inquiries; and fixed term and/or non-term account searches. Phone Banking comprises three modules for trading management, user management, and connecting with the bank s data system. The software supports direct connections which allow banks to update and manage customer profiles, improve business performance, and save costs. It has been continuously upgraded to improve security for customer transactions and enhance the bank s global competitiveness for international economic integration. The system has been deployed in the Hanoi Building Commercial Joint Stock Bank (Habubank); VID-Public Bank, Laos - Vietnam Bank, and Saigon Thuong tin Commercial Joint Stock Bank (Sacombank) Mobile Banking Mobile Banking enables users to pay their mobile phone bills via a bank s ATM. Mobile Banking gateway server is installed with two programs namely FPT ATM Gateway and FPT Payment Gateway. It features two main functions: FPT ATM Gateway (FAG) communicates directly with the banks. FPT Payment Gateway (FPG) communicates with FAG, clears debts, and searches fee information.
10 18 Capabilities for Banking and Finance FPT Information System Integrated solutions With its in-depth understanding of banking and finance businesses, and a wide range of experience localizing and customizing products for its customers needs, FPT IS has affirmed its continuous No.1 position in systems integration in Vietnam while providing solutions for major banks within the country and throughout the region. FPT IS has successfully implemented many projects for banks including: Integrating the host system of the Taipei Fubon Commercial Bank, Ho Chi Minh City branch. Integrating the hosting, network, storage, and security systems for the electronic information gateway and project implemented at the Securities Depository Center. Network and security systems integration projects for Vietcombank. Integrating the IP contact center for the Bank for Investment and Development of Vietnam (BIDV). Integrating the host system for BIDV. Integrating the network system under the ATM maintenance and service project for the Vietnam Export Import Commercial Joint Stock Bank (Eximbank). Integrating the network security system for Eximbank. Integrating the network under the project for purchasing equipment and software, and providing network infrastructure for the Vietnam Development Bank. Integrating the network and security systems for the network and security devices purchase project implemented by Vietcombank. Integrating the ATM security system for the Vietnam Bank for Agriculture and Rural Development (Agribank) to protect card-holder information. Integrating the Cisco DWDM optical switching system for the State Bank of Vietnam (SBV) and the Vietnam Joint Stock Commercial Bank for Industry and Trade (Vietinbank). Integrating the Banknet Vietnam switching system. Integrating the Hanoi Securities Joint Stock Company contact center with its core CK BOSC system. Developing and integrating the POS/EDC network for BIDV in Services ATM warranty and maintenance services; specialized products and equipment for banks Consulting services: FPT IS provides consulting services for the product lines of ATM, POS, NAC/POS systems, and Switch Financial/ATM product lines; implements, installs, and designs booth. Data card maintenance: With its advantages of a 24x7 call center, the capacity for quick troubleshooting, and continuous online financial switching system, FPT IS is able to provide the following services: Regular periodic technical maintenance Inspection and warning systems to prevent defective devices or modules Replacement of failed components, devices and modules or equipment which were warned Advising and cautioning about environment conditions and installation locations Updating to new versions Backing up and restoring data Anti-virus protection Periodical reporting on the status of the data card system IST/switch system maintenance: In addition to our periodic maintenance, inspection, giving warning, component replacement, updates, backup, recovery, and anti-virus protection packages, customers may also choose other packages for periodical reporting of the switch system functions and switch financial system status, as well as for updating data. ATM training services: FPT IS provides training in NCR, Diebold, and IBM - Omron ATM technology; as well as for operating ATMs, modules, and ATM system control software. Training is also offered for connecting to Switch Financial; handling errors; resolving deficit and surplus of funds, and general customer service. Verification and settlement of complaints and/ or failed ATM transactions: Handling transaction failure due to the host or the ATM Analysing and handling customer complaints about transactions Analysing ATM data Analysing switch/host data Analysing machine, system and device error codes. Analysing transaction steps in the system Analysing trade flows Analysing and resolving fraudulent transactions Gasper system maintenance: Periodic system maintenance Troubleshooting, tracking and monitoring ATM errors Updating data on the server including ATM ID, IP, address, , contacts, etc, to ensure the ATM system is operating efficiently. Updating to newer versions when banks upgrade. Regular periodic reports on the status of ATM operations. Data backup Data recovery Anti-virus protection SDMS system maintenance: Periodic maintenance for SDMS systems Updating data on server Updating to newer versions Downloading data Tracking and monitoring data Reporting ATM data downloads and program updates Updating ATM application programs Restoring and backing up data EJ and File Upload data backup Anti-virus protection NAC system maintenance: Inspecting devices prior to maintenance Periodic technical maintenance
11 20 Capabilities for Banking and Finance FPT Information System 21 Checking for and warning of potential defective equipment Replacing failed components, devices, modules or warned equipment. Advising and cautioning on environmental conditions and installation locations Updating to newer versions Restoring and backing up data Anti-virus protection Periodic reports on the NAC system status POS maintenance: Periodic technical maintenance Checking for and warning of potential defective equipment Free replacement of failed or warned devices, components, and modules Advising and cautioning on environmental conditions and installation locations Periodic report on the status of the POS system ATM refurbishing service: FPT IS provides the following ATM refurbishing services: Renewing depreciated machines Maintaining and or replacing components as necessary and replacing old oxidized mains Repainting ATM shells Setting up the operating system Resetting controls and application software Configuring hardware and software, and connecting to the host Rechecking all hardware and application modules and performing test transactions ATM inspection and testing: Checking that all related goods are intact Checking the machine model Overall inspection of hardware and software licenses Trial installation of operating system and control software Trial run and testing control software functions Testing hardware modules and functions Dealing with warranties for defective devices ATM implementation and installation: Overall inspection of hardware devices prior to installation Advising and warning on power supply Installing operating system Installing control software Installing applications Configuring hardware parameters Configuring ATM parameters Configuring parameters connecting to the host Performing a trial transaction to test the functions of the service Providing ATM operating instructions Handling any problems that may arise ATM warranty and maintenance covers: Inspecting equipment and devices prior to maintenance Periodic technical maintenance Checking for and warning of potential defective equipment Checking for and handling unknown programs and viruses Free replacement of failed or warned devices, components, and modules under warranty Advising and warnings of on environmental conditions and installation locationstions. Periodic reports on the status of the ATM system 3.2 FPT IS service projects include: ATM maintenance for the Bank for Foreign Trade of Vietnam (Vietcombank) Implementing, installing, and maintaining ATMs for companies and banks including the financial leasing company of the Bank of Investment and Development of Vietnam (BIDV) and the Vietnam Export Import Bank (Eximbank) Maintaining the security and communications systems for Vietnam International Bank (VIB) Maintaining computing equipment including network and hosting devices for the Shinhan Vinabank (SVB) Providing, installing, implementing, and training for the Agribank ATM system Purchasing and maintaining the embossing machine for the financial leasing company of BIDV, and training for its operation Providing warranty and maintenance services for bank hosts and networks including BIDV and Vietcombank Maintaining the AS400 machine system for the Vietnam Commercial Bank for Industry and Trade (VietinBank) Maintaining the ATM system and equipment for BIDV in 2006 Maintaining the IST/Switch version 7.5 financial switching system at Vietnam National Financial Switching JSC (Banknet)
12 22 Capabilities for Banking and Finance FPT Information System 23
Bringing value to markets using technology TOC Table of Contents About Us 3 Vision, Mission, and Values 4 OurUSP 6 Exchange Solutions 8 Order Matching Engine 9 Market Data Dissemination 10 Exchange Administration
I. ACCOUNT OPENING GUIDE ON SECURITIES TRADING Step 1: Application for securities trading code with Vietnam securities depository through Korean Investment Securities Vietnam (KIS Vietnam) Individual client
JSC BANK FOR FOREIGN TRADE OF VIET NAM Address: 198 Tran Quang Khai St, Ha No Business Registration No. 0100112437 (8 th revision dated 1 st August, 2013) SOCIALIST REPUBLIC OF VIETNAM Independence - Freedom
Agent Registration Program Guide (For use in Asia Pacific, Central Europe, Middle East, Africa) Version 1 April 2014 Contents 1 INTRODUCTION... 3 1.1 ABOUT THIS GUIDE... 3 1.2 WHO NEEDS TO BE REGISTERED?...
Secure Financial Transactions Any Time, Any Place Euronet Software Solutions ATM Management System Maintain and Expand Your Automated Service Offerings with a Secure, Flexible and Powerful Solution Serving
The Securities Market in Vietnam 14 March 2007 This article is an introduction to the legal framework that governs the securities market in Vietnam, in particular public offers, listing, public companies
BAD DEBT SETTLEMENT - CRITICAL ISSUES IN BANK RESTRUCTURING IN VIETNAM I. Analytical framework overview 1. Theoretical consideration 1.1. Concept A bad debt or non-performing loan (NPL) can be understood
CONTRACT FOR OPENING A SECURITIES TRADING ACCOUNT No. :. This contract is entered into on./.2013 in Ho Chi Minh City, Vietnam, by and between: 1..Ltd (hereinafter referred as to the Client ) - Registered
EMP's vision is to be the leading electronic payments processing company in the emerging markets of Africa and the Middle East. EMP's mission is to be at the forefront of the region's electronic payments
Pilot Free Trade Zone Shanghai Shanghai s first Free Trade zone was launched in September 2013, targeted to make Shanghai an international trade and finance hub. It was established on the strategic decision
Making payment easier Payment Gateway Proposal Sep 2014 INFICARE Pvt. Ltd. +977-1-4672716/ 4279727 email@example.com Non-Disclosure Statement The information in this proposal shall not be disclosed outside
Serving millions of people worldwide with electronic payment convenience. Euronet s EMV Chip Solutions Superior Protection with Enhanced Security against Fraud Copyright 2011 Euronet Worldwide, Inc. All
Way4 Way4 Switch, Way4 Card and Merchant Management and Way4 EMV Card Personalisation are fault-tolerant open platform software solutions with proven EMV Issuing, Personalisation and Acquiring capabilities.
For Individual CONTRACT No:. SECURITIES TRADING ACCOUNT OPENING CONTRACT Acount No - 0 5 7 C Today DD..MM..YY at KIS VN Securities Joint Stock Company, We are : From one side A : Customer: Gender: Male
invest in you Enrollment Guide Brokerage Account (SDBA) Savings Plus offers a self-directed brokerage account option for investors who may want to direct investments to a wider variety of options other
Product LynxGate Harness the Power Behind Your ATMs to Increase Revenue, Reduce Costs and Strengthen Member Relationships Product Increase revenue. Reduce costs. Strengthen member relationships. LynxGate
Data Sheet Cisco Advanced Services for Network Security IP Communications networking the convergence of data, voice, and video onto a single network offers opportunities for reducing communication costs
Credit: Nasa, Visible Earth MYANMAR We are pioneers in the frontier markets of Asia. A market leader - they ve got a very strong presence here. - They are knowledgeable about the market and give sensible
ican facilitates top-up and cash acceptance and payments through self-service kiosks and centralized management software. 1 Problem, Need, Solution 2 Introduction ican is a fully-automated cash acceptance
Given recent payment data breaches, clients are increasingly demanding robust security and fraud solutions; and Financial institutions continue to outsource and leverage technology providers given their
Brochure More information from http://www.researchandmarkets.com/reports/2104740/ Industry Dynamics and Competitive Landscape in the Vietnamese Non-Life Insurance Industry to 2016: Market Profile Description:
STATE BANK OF PAKISTAN on e-payment Gateway i P a g e Table of Contents ACRONYMS... 1 DEFINITIONS... 2 SCOPE OF THE DOCUMENT... 4 INTRODUCTION... 5 PURPOSE & BENEFITS OF E-PG... 6 FUNCTIONS OF E- PG...
1 Regional Bank Regional banks specialize in consumer and commercial products within one region of a country, such as a state or within a group of states. A regional bank is smaller than a bank that operates
Deutsche Bank Global Transaction Banking Direct Securities Services Securities Services Overview Finding the right custodian with a long-term commitment to supporting its clients business is critical for
Term of Reference For Information Technology (IT) Consultant (Network Administrator) for FCGO IT Systems 1. Background Organization and its functions: Financial Comptroller General Office (FCGO), an organization
Remote Services Managing Open Systems with Remote Services Reduce costs and mitigate risk with secure remote services As control systems move from proprietary technology to open systems, there is greater
Schwab Personal Choice Retirement Account (PCRA) Savings Plus offers a self-directed brokerage account option for investors who may want to direct investments to a wider variety of options other than those
Serving millions of people worldwide with electronic payment convenience. Euronet s Internet Banking Solution Built for Today s Online Business Copyright 2010 Euronet Worldwide, Inc. All rights reserved.
END-TO-END BANKING SOLUTIONS AND SERVICES PARTNERING WITH THAKRAL ONE BI AND ANALYTICS MOVING FROM BIG DATA TO REAL DATA Increased pressures from regulatory compliance, rapid global economic changes, and
Strategic Planning, M. Knox, S. Cohen, B. Adrian Research Note 27 August 2003 The IFX Standard Opens the ATM and POS Channels Interactive Financial exchange v.1.4 introduced significant new messaging standards
Participant s Guide For investment firms and credit institutions in Romania that want to directly access Bucharest Stock Exchange s market Admission to trading Bucharest Stock Exchange (BVB) Market ParticiPAnt
FRIEDLAND CAPITAL INC. GUIDE TO AMERICAN DEPOSITARY RECEIPTS With global economies increasingly intertwined, it shouldn t come as a surprise that large numbers of non-us corporations have sought access
ANZ Vietnam Hanoi Offices Head Office: Floor 17, 13 Hai Ba Trung Street, Hoan Kiem District - SWIFT : ANZBVNVX Hanoi Transaction Centre: 14 Le Thai To Street, Hoan Kiem District Cau Giay Transaction Office:
Asia Market Intelligence Thailand Presence HSBC s history in Thailand dates back to 1865, when the Bank appointed an agent in Bangkok. In 1888, a representative office opened in Bangkok, becoming the first
Answers to Concepts in Review 1. (a) In the money market, short-term securities such as CDs, T-bills, and banker s acceptances are traded. Long-term securities such as stocks and bonds are traded in the
11-1 CHAPTER 11 COMPUTER SYSTEMS INFORMATION TECHNOLOGY SERVICES CONTROLS INTRODUCTION The State Board of Accounts, in accordance with State statutes and the Statements on Auditing Standards Numbers 78
6/9/13 HIEP PHAM, NARUMON SRIRATANAVIRIYAKUL, MATHEWS NKHOMA Business Critical Application: An IT Investment Dilemma at a Securities Company 1 Ha Phuong, a customer service manager at one of the top 20
Data Center Service Expansion Strategy in Vietnam 276 Preservation Data Center Service Expansion Strategy in Vietnam Hideki Takagi Yoshiyuki Oba OVERVIEW: Noting an increase in enquiries about offshore
IBM and ACI Worldwide Providing comprehensive, end-to-end electronic payment solutions for retail banking IBM and ACI offer unparalleled expertise in designing and optimizing payment systems As leading
LAW ON PUBLIC DEBT MANAGEMENT THE NATIONAL ASSEMBLY - SOCIALIST REPUBLIC OF VIET NAM Independence Freedom Happiness - No. 29/2009/QH12 Hanoi, June 17, 2009 LAW ON PUBLIC DEBT MANAGEMENT Pursuant to the
IT Examination Handbook Presentation Wholesale Payment Systems 1. Open music 2. 3. Retail vs. Wholesale Payments Wholesale Payment Examples The distinction between wholesale and retail payments, as discussed
Business Partner Training Curriculum Sage Evolution Premium Course (Learning Unit 4) This comprehensive training course covers the activities that an administrator will perform in a Sage Evolution Premium
Santiago Stock Exchange (SSE) Chilean Capital Market 2014 Agenda 1. Chile: A place to invest 2. Chilean Capital Market 3. Santiago Stock Exchange 4. Next steps Chile: A place to invest Population: 17.46
[For Immediate Release] AUTOMATED SUPPORTS BOCHK TO ENHANCE INTERNET BANKING SERVICES WITH I-SPRINT AND VASCO TECHNOLOGIES (Hong Kong, 7 March 2013) - Automated Systems Holdings Limited ( ASL or the Group
Mobile Money Conference EBRD, London 14 th March 2013 Presenter: Mr. Loeung Sopheap Senior Vice President & Head of Product Development Division 1 ACLEDA Unity Challenges of introducing Mobile Money and
Chapter XX Vietnam Samantha Campbell and Pham Bach Duong 1 I INTRODUCTION Vietnam s current banking system can be traced back to 1988 when four state-owned banks the Bank for Foreign Trade of Vietnam (Vietcombank),
Ministry of education Sengsavanh College ICT development in Lao PDR Sakdina Rosant IT Manager Singapore 1 Main point of presentation Review of ICT development Internet development in Lao Some Important
sabanc hold ng 2007 annual report 32 Financial Services AKBANK As of the end of 2007, Akbank was Turkey's most valuable bank having the most profitable banking operations among privately owned banks in
CHAPTER 14 INFORMATION TECHNOLOGY CONTROLS SCOPE This chapter addresses requirements common to all financial accounting systems and is not limited to the statewide financial accounting system, ENCOMPASS,
Mobile Wallet Platform Next generation mobile wallet solution Introduction to mwallet / Mobile Wallet Mobile Wallet Account is just like a Bank Account User s money lies with the Mobile Wallet Operator
LogMeIn Hamachi Getting Started Guide Contents What Is LogMeIn Hamachi?...3 Who Should Use LogMeIn Hamachi?...3 The LogMeIn Hamachi Client...4 About the Relationship Between the Client and Your LogMeIn
Electronic Funds Transfer Disclosure Agreement Your use of any EFT service offered by the Bank will be governed by this Disclosure and by any separate agreement or disclosure that also applies to the EFT
CÔNG TY CỔ PHẦN TRƯỜNG CNTT TÂN ĐỨC TAN DUC INFORMATION TECHNOLOGY SCHOOL JSC LEARN MORE WITH LESS! Core Solutions of Microsoft Lync Server 2013 Course 20336A: Five days; Instructor-Led About this Course
Milestone Systems Product Overview 8 cameras 26 cameras 64 cameras 250+ cameras unlimited number of cameras Functionality It s not just video management software. It s. Milestone Systems is the world s
Page 1 of 38 www.experttraining.in Youtube.com/ViralJadhav firstname.lastname@example.org +91 9558821174 Don t just learn Data Entry in Tally.. Learn Complete Accounting and Taxation System with Industry Experts.
FEES, COMMISSIONS AND COSTS 1- Resolution No. (1) of 2000, in respect of the brokers commission at the Bahrain Stock Exchange. 2- Amended Fees as per the Exchange s Board of Director s Resolution No. 2/66/98:
Serving millions of people worldwide with electronic payment convenience. Euronet s Contactless Solution Fast, Secure and Convenient Transactions with No Swiping, PIN or Signature Copyright 2011 Euronet
GR VIETNAM HOLDINGS LIMITED * (Incorporated in Bermuda with limited liability) (Stock Code: 139) INTERIM RESULTS ANNOUNCEMENT FOR THE SIX MONTHS ENDED 30 SEPTEMBER 2008 The Board of Directors (the Board
Mobile Payment: The next step of secure payment VDI / VDE-Colloquium May 16th, 2013 G&D has been growing through continuous innovation Server software and services Token and embedded security Cards for
No.: /2014/BC-TPB.BDH SOCIALIST REPUBLIC OF VIETNAM Independence - Freedom - Happiness Hanoi, dated 25 March 2014 PERFORMANCE REPORT, BUSINESS INDICATORS 2013 AND BUSINESS PLAN 2014 The Board of Management
Oracle Maps Cloud Service Enterprise Hosting and Delivery Policies Effective Date: October 1, 2015 Version 1.0 Unless otherwise stated, these Oracle Maps Cloud Service Enterprise Hosting and Delivery Policies
EMV FAQs Contact us at: CS@VancoPayments.com Visit us online: VancoPayments.com What are the benefits of EMV cards to merchants and consumers? What is EMV? The acronym EMV stands for an organization formed
7 Capabilities Your Software Vendor Should Offer to Support your Business Operations in China. China today represents a large market of opportunity for Process Manufacturers. Many North American companies
We endeavor to maximize returns. Ayşegül Özel Yapı Kredi Bankası Private Banking Portfolio Manager Erdoğan Yücel Yapı Kredi Emeklilik Sales Manager FInance 4 th largest private bank (asset size) Leader
SAP Thought Leadership Paper SAP Mobile Services Two-Factor Authentication over Mobile: Simplifying Security and Authentication Controlling Fraud and Validating End Users Easily and Cost-Effectively Table
First Citizens' Federal Credit Union 200 Mill Road, Suite 100 PO Box 270 508-999-1341 www.firstcitizens.org YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure
1. What is a debit card? Debit card is an alternative to cash. Each cash withdrawal or payment has the effect of removing money from the cardholder s deposit account after every purchase or cash withdraw.
UnionPay, Your access to China & Asia June 2015 UnionPay Updates Chinese equivalent of VISA/Master/AMEX + EFTPOS Funded in 2002 in Shanghai, China Card usage on purchase from 4% to 47% Card issued from
TERMS AND CONDITIONS OF THE PROMOTION HSBC PREMIER MASTERCARD CREDIT CARD OFFERS 03/2016 1. The Promotion of HSBC PREMIER MASTERCARD CREDIT CARD OFFERS 03/2016 ( Campaign ) is applicable in all transaction
CITADEL BUSI ESS ACCOU T / BUSI ESS LOA APPLICATIO Part 1 - Business Information Account Number Date Business Established: State of Incorporation/ Organization: Type of Entity: Individual/ Sole Proprietorship
Press Release December 3, 2010 Back-to-Basics Stock Investment Focusing on Japanese Equity Investment and Dividends Back-to-Basics Japanese Equity Fund Applications Accepted from December 6 Nikko Asset
Introduction 1 1 Introduction CRAFT is an ERP system providing automation in most important business aspects of an enterprise: Customer relations, Financial operations, Production and Distribution operations,
Office of Finance and Treasury How to Accept & Process Credit and Debit Card Transactions Procedure Related Policy Title Credit Card Processing Policy For University Merchant Locations Responsible Executive
Brochure SAP Business One for Manufacturing Software for Manufacturing Organisations SAP Business One for Manufacturing SAP Business One for Manufacturing offers an unparalleled combination of functionality
PRODUCT CAPABILITY GUIDE American Express Contactless Payments American Express Contactless Payments Help Enable Increased Convenience For Card Members At The Point Of Sale American Express contactless
Information about this New Guide New Guide This PayPass POS Host/Payment Software Implementation Guide, dated September 2007, is an entirely new guide. Contents This guide helps point-of-sale (POS) host/payment
The ALSOK Group is developing services that accurately respond to social needs with the aim of contributing to the safety and security of society. SOHGO SECURITY SERVICES CO., LTD. (ALSOK), was established
Modern Fraud Prevention from a Bank s Point of View Extract from an interview between Alexey Golenishev, Payment Schemes Relationships, Head of Department, Alfa-Bank and PLUS Magazine #8  September
CÔNG TY CỔ PHẦN TRƯỜNG CNTT TÂN ĐỨC TAN DUC INFORMATION TECHNOLOGY SCHOOL JSC LEARN MORE WITH LESS! 50331 - Windows 7, Enterprise Desktop Support Technician Duration: 5 days About this Course This five-day