Revolving credits/Giro accounts –
a large variety of products in one module

BANCOS giro accounts delivers full functionality to sell and manage revolving credits.

• Sales channels: Branch network, internet, telephone, mail, third parties (brokers, retailers, co-brand)

• Supported products
  
  • · Giro accounts
    · Compliant interest income statements
    · Interest Income Tax Exemption Orders
      via BANCOS TEMPO
  • · Standard revolving credit lines / overdrafts
  • · Credit card accounts
    · Cards processing for closed loop cards –
      face2face, web transactions, ATM
       · Fraud detection
    · Standardised interfaces for credit card
      transactions (TSYS, ATOS)
  • · Lombard loans

• Standard functionality
  • · Limit management
  • · Repayment via
    · Linear rates
    · Minimum repayment schemes
  • · Interest changes
  • · Calculation and posting of interest
  • · Calculation and posting of overdraft / overlimit interest

• Automated commissions management via BANCOS commissions

• Credit decision via BANCOS Decisioning

• Online interfaces to BANCOS Collections

• Easy-to-use, browser-based front-end