Everyindividual (retail) and business (corporate) customer bears a unique identity signified as 17 Corporate - The corporates or the businesses that form another segment of theBank‟s clientele.CIF ID: Customer Information File system, in FINACLE, stores all the customer relatedinformation, account information, preferences, segment, and profitability. Retail – The individuals or persons who form parclientele.
Thewhole bundle of customer- related information thus captured is available in the CIFmodule of the CRM.The customers, based on whether they are individuals or business are referred to aseither Retail or Corporates.CUSTOMERS are two types – 1. The CIF system helps thebank to know the details of the individuals with whom they maintain certain relationship.CIF creation is about capturing the details of the individual / corporates, doing therequired validations and storing it in the Bank‟s database for future reference. On creation of the CIF ID,the customers can perform banking transactions such as depositing money, availingloan, credit or debit card or any other product of the bank. This CIF ID is subsequently used by the Bank toprovide all types of products and services to the customer. This ID is created for thecustomer in the bank's database. This gives a global flavour to conduct business transactions acrossgeographies, systems, channels, products, at all times. So, instead of capturingthe information in multiple back end systems, it is maintained at a common CIFdatabase in Customer Relationship Management module and linkage is provided to allthe required back end systems.Every individual (retail) and business (corporate) customer bears a unique identitysignified as CIF ID. The datarelating to these should have access through various backend. The information can be customer‟sbasic data,segmentation, products & services offered to customer, customer preferences, financialdetails, related parties, assets and liabilities, interests, hobbies and so on. The Customer Information File where all the informationabout the customer is stored.
All products and services offered in Finacle arebuilt around the customer. CUSTOMER RELATIONSHIP MANAGEMENTOVERVIEWWhen an individual starts a relationship with the bank by availing its products and orservices, he is known as a CUSTOMER.Finacle is a customer centric solution.
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Punjab National Bank– Finacle 10.x End User Training Manual 6. LIST OF SCHEME TYPES IN FINACLESCHEME TYPESBA Saving AccountCAA Current AccountTDA Term Deposit AccountCCA Cash Credit AccountODA Overdraft AccountLAA Loan AccountOAB Office Account BasicOAP Office Account PointingFBA Foreign Bill AccountPCA Packing Credit AccountHOC Head OfficeOSP Office Account System PointingDDA Demand DraftOAD Office Account Dumm圜LA Commercial LendingBIA Bills Inland Customer related Top up deposits CustomerTUA related 16 Punjab National Bank– Finacle 10.x End User Training Manual5.
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