Professional Documents
Culture Documents
r19 Release Highlights PDF Free
r19 Release Highlights PDF Free
Release Information 6
Document Overview 7
Application Framework 8
Core 8
Archiving 10
Banking Framework 11
Beneficiary 11
Enterprise Customer Management 11
Financial Accounting 11
Delivery 11
Interest and Charges 12
ISO20022 XML Account Statement1 13
Nostro Reconciliation 13
Retail Sweeping 13
System Tables 14
LIMIT 14
ACCOUNTS 15
Transaction Restrictions 17
Collateral 18
Expected Receipts 19
Standing Order 19
Data Framework 19
Loan Loss Provisioning 20
Generic Accounting Interface 21
IBAN 21
Transaction Recycler 21
Business Intelligence 22
Data Warehousing 22
Risk 22
Channels 24
Internet Banking 24
This feature enables the T24PackageInstaller to get deployed via appserver thus removing the dependency of UD dir-
ectory.
User role information is now available in the PROTOCOL table, which helps in identifying the roles used by the users for
the corresponding activities.
In T24, the role changing functionality is enhanced such that a role change automatically triggers a change in the menu
corresponding to the role.
Automating Services
Enhancement ID: 2340902
Validations of service operations can be performed using the Service Automation feature.
The sample select feature can be used to select applications and fetch records based on sample size
using SPF.
The system can now generate alert and post restrictions for expired documents.
The following features are now available in the Mass Change Utility:
l Selection
o Select across Books under the current Lead Company
o Selection based on Arrangement Branch/Region (ST.ORGANISATION.STRUCTURE)
o Special support for Joins created using Attributes from AA Account Details (Example Dormancy Status)
l Additional Business Operations to Change Tax, Update Account Static, Change Product, Change Charge, Define
Holiday Schedule and Change Branch (ST.BRANCH)
Alert Request
Enhancement ID: 2564941
Based on customer role, subscription to Alerts and event generation is now possible.
Standard selection is now updated on rebuild, if the lenghts defined in the EB.OBJECT and EB.ALTERNATE.KEY applic-
ation are modified.
The following two functionalities can be used in OFS mode for request processing:
l Accept overrides and warnings,
l Setting any external variables for a session by sending them as a part of the request.
The system is now enhanced to uniquely identify a local table entry that contains customer sensitive data and to specify
various customer personal data attributes for that field.
Specifying personal data information for fields present in the EB.TABLE.DEFINITION and AA.CLASS.DEFINITION
applications based on GDPR regulations is now possible.
T24 Traceability
Enhancement ID: 2964773
In T24, it is now possible to trace banking transactions from multiple third parties and inspect that trace log as an evid-
ent to identify whether the transaction has occurred as stated or tampered.
Archiving
‘Segmentation’ in Statement Archiving
Enhancement ID: 2444010
‘Segmentation’ is introduced in statement archiving, which is already a proven performance solution for SWIFT state-
ments in Temenos Core Banking. Segmentation is the process of multi-threading the job processing by splitting the
entries between available agents.
New validations have been added to Payees instructions to notify the customer about the impact of changing or can-
celling an existing Payee.
Customer Group provides the capability of defining relationships between individuals and/or corporate parties. Based
on these relationships, users can retrieve relationships that fit their needs in order to create customer groups or cus-
tomer group hierarchies that they can use for different purposes. The customer groups for purpose of risk can be used
for limit allocation.
Financial Accounting
Future Dated Transactions
Enhancement ID: 2289672
'Future dated transactions (Future Booking Date)’ is an amendment to the system’s accounting process which allows
you to perform intercompany transactions between accounts which reside in different ledgers with the same pro-
cessing date.
Delivery
SWIFT - Stop Delivery Service
Enhancement ID: 2104155
Users can now stop SWIFT delivery services when the company is offline.
This functionality describes how Temenos Core Banking accommodates the SWIFT 2018 Rulebook changes. It includes
the changes made by SWIFT, which are described in the new version of the 2018 MT Standards Release. It also
includes the changes to the BIC standard that will also come into effect from November 2018, the same as the new
SWIFT standards.
Additional fields are introduced in Delivery Address to automatically copy the additional address details into the main
Customer Delivery Address (PRINT.1). For all the other Delivery Addresses, the Address field is manually entered.
This functionality also allows you to Enable or Disable the hold feature for different carriers.
This functionality covers the development and non-standard use of SWIFT characters in fields like name and address
but prevents the use of invalid characters in SWIFT messages.
Archival of EB.QUERIES.ANSWERS
Enhancement ID: 2765358
It covers functionality such as Moving the records from EBQA records from Live to History and Archiving the records
which have moved to History.
This functionality is intended to cover the Security of the data flows which are exchanged between T24
(Back-office application) and the connected SWIFT infrastructure components (SWIFT Alliance Access).
It describes how the Local Authentication (LAU) principle is used to ensure the integrity and authen-
tication of the files that are exchanged by T24 with the SWIFT infrastructure (on inward and on out-
ward message flows).
The functionality is also about securing the inward and outward messages using a pair of bilateral security keys (kept
in a secure keystore). The Temenos Core System and the SWIFT infrastructure (eg SWIFT Alliance Access) use these
keys at the same time (the same pair of keys).
The functionality is part of the existing tables such as ACCOUNT.DEBIT.INT & GROUP.DEBIT.INT, where both tables
have the ability to enter maximum interest rate for overdraft accounts, that is, for maximum debit interest to be applied
to the DR balance type.
The functionality is part of the existing tables such as ACCOUNT.DEBIT.INT & GROUP.DEBIT.INT, where both tables
have the ability to enter maximum interest rate for overdraft accounts, that is, for maximum debit interest to be applied
to the DR balance type.
Changes are made to enhance the performance while producing CAMT messages and provision to add the local tags
via APIs.
Nostro Reconciliation
Aging Analysis
Enhancement ID: 2411415
Three new enquiries are added to the Nostro Reconciliation application to display the aged analysis of the unreconciled
items. They display number of days an item (ledger entry or Swift statement entry) has been in an unmatched state.
The historical and current aged analysis can be extracted and viewed.
Retail Sweeping
Value dated Retail Sweeps
Enhancement ID: 2324013
‘Value dated Retail Sweeps’ is an amendment to the system’s functionality of performing sweeping transactions
between accounts taking into consideration the value dated balance of the accounts.
The Tax application @ID which is currently 2 numeric (Effective date) has been extended to 4 numeric (Effective date).
PERIODIC.INTEREST and FORWARD.RATES tables have been enhanced to hold values in number of days which are
greater than 31. The Rest.Period field now allows an input of 3 digit periods in the number of days.
This functionality allows banks to store the local Account Proxy directory and support the registration or de-registration
process involving an external central Account Proxy Database.
This functionality provides support to use the Account Proxy Directory for accounts which are maintained in an external
DDA system.
LIMIT
Customer Limits Overview
Enhancement ID: 2323395
The CUSTOMER.SCV.CHECK enquiry is improved to aggregate the limits of a customer marked as duplicate to be dis-
played under the main customer, to drilldown and view Limit details for all limits displayed in the enquiry, to drilldown
and view account and transaction details for the accounts linked to the limits displayed in the enquiry and to display
account information belonging to a customer who doesn’t necessarily have a Limit record attached to it.
The Risk Exposure overview screen is improved with two new links added in Customer-Group Risk exposure overview
to view the details of Customers in the group and their relationship with other customers and to also view the list of Cus-
tomer-Sub-Groups created for the given Group ID.
You can drill down to the Risk Exposure details for customers defined in the sub group from the above Sub-Group list
view.
An option is allowed to add or remove customer numbers in the Limit application. Consolidation keys for Validation type
of Limits are generated to report in the General Ledger with customer information from the first customer in the multi-
value set.
The purpose of this development is to enrich the Protection Limit functionality to support multiple Channel arrange-
ments having Protection Limits and tagged to the same External User.
“Repaid Non-revolving Limits and Store Repayment”, is an amendment to the existing LIMIT.PARAMETER and LIMIT
tables, as well as with the dynamic calculation performed by Risk and Exposure Overview enquiries to display Limit
amounts.
Under “Joint Owned Loans”, multiple features are developed within the LIMIT and LIMIT.PARAMETER tables where
the LIMIT Property Class is improved to capture the new Limit key and the CUSTOMER Property Class is improved to
use the current field Limit Alloc % for all owners of an arrangement.
Under the “Update Approved and Advised Limits”, multiple features are developed within the LIMIT.REFERENCE and
LIMIT tables, as well as with the manner with which limits are processed within the system.
ACCOUNTS
Float and Balances
Enhancement ID: 2364301
The concept of the Float (uncleared balance, sometimes called uncollected balance) refers to credit transactions posted
to a customer account, where funds credited are treated as cleared not instantly at the time of booking of the trans-
action but at a defined date in the future.
Statement Preferences
Enhancement ID: 2499867
This solution addresses the set of requirements such as ‘Statements Preferences’, ‘Standalone Statements’ and ‘Com-
bined Statements’.
Few additional fields and functionalities are introduced into the existing Core applications such as
ACCOUNT.STATEMENT, PRINT.STATEMENT and DE.CUSTOMER.PREFERENCES, which includes enabling the User to
input a set of off-cycle statements for the same frequency, the process of production from T24 of combined statements
and setting up default frequencies and printing features.
Funds reservation in Balance Netting Pool’ is a development to introduce a manual and automatic fund reservation pro-
cess for members of the Balance Netting pool.
It covers functionalities such as Configurable Available Balance for NSF credit check, Pooling funds for credit checks,
Opt-In/Opt-Out of Limit facility for credit check, NSF Exception handling, Assessment of NSF item and Decision man-
agement and NSF Closing Evaluation process.
‘Secondary Limit on accounts for certain Direct Debit transactions’ is an amendment to the AA
BALANCE.AVAILABILITY PROPERTY.CLASS.
This functionality provides the ability to configure the system to disregard the Intraday Limit when doing a credit check,
in case this is granted on the account.
The functionality is about saving booked balance on the STMT.ENTRY at the time the transaction is booked.
The functionality is about making the Interest and charges module optional for Accounts.
The functionality is about offering a solution for the generation of scalable account ids.
The functionality is about adding a new enquiry or API to retrieve the most recent number of entries.
The functionality is about extending the number of decimals allowed for a currency.
The functionality is about adding a new enquiry or API to retrieve the required number of entries or account movement
details available.
Transaction Restrictions
Transaction Stop Conditions
Enhancement ID: 2364382
A new module is introduced in the Temenos Core Banking System named ‘Transaction Restrictions’ (TZ). The Trans-
action Restrictions module allows the bank to define stop instructions for accounts that are evaluated when a debit book-
ing request initiated via Generic Accounting Interface (OFS Clearing) is processed on the account.
Collateral
Preferential LTV for Diversified Portfolios
Enhancement ID: 2468312
Effecting the Preferential rate on diversified portfolios & applicability of a cross currency haircut when the collateral cur-
rency is different from the limit currency.
This is an amendment to the existing Advanced Collateral (CX) functionality, which caters to the application of Con-
centration cap for Customer Collateral. Features such as Threshold or Qualifying Currency and Value, Collateral Lend-
ing Value (CLV) and Pre-trade check for Buying Power are added to this functionality.
This functionality is about the generation of an override in case of insufficient pledge for the utilized part of a variable
limit.
This functionality is about applying Advance ratio to cross pledged assets which are now maintained at the Collateral
Right level instead of Customer level.
Functionalities under 'Collateral link to new Limit structure' are introduced within the COLLATERAL.RIGHT and LIMIT
tables to support attaching Collateral to Limits with new Limit key, as well as a new ACCOUNT.OVERDRAWN.CUST
table which holds overdrawn Accounts and exceeded Limits per Customer since now Limits can be multi-customer.
‘Pre-authorised credits’ is an amendment to the AC.EXPECTED.RECS application, where the system is improved to
increase the available balance of an account when an expected payment is entered in the system via the
AC.EXPECTED.RECS application.
The functionality for automatic matching between payment instructions and cover payments describes how the cover
message such as MT202, MT202COV or MT910 received by the bank is matched against the payment message MT103
or MT202.
This functionality describes how the MT210 SWIFT message that is received through Delivery and uploaded directly in
the Expected Receipts module is matched against the MT103/MT202 SWIFT messages that are received through deliv-
ery and are processed by TPH (which sends them to the Expected Receipts module for matching)
Standing Order
Creation Of Beneficiary
Enhancement ID: 2366632
This functionality describes how Beneficiary and Standing Order applications from T24 capture the information related
to SEPA additional details.
It also includes adding additional SEPA fields in the Beneficiary and Standing Order application to fully support SEPA pay-
ments, and also update the mapping of the existing and new fields for the Beneficiary to Standing Order flow, and from
Standing Order to Payment Order flow.
This development introduces a new online service that processes standing order instructions outside the COB.
Data Framework
When a business event occurs, the existing Customer Reporting Model publishes IF event records that carry data in
raw format. The raw data is then transformed into XML at runtime by the integration service.
The objective of this functionality is to optimise the size of the XML data that is dynamically sent for an Enterprise Ser-
vice Bus (ESB) to consume in case of high volume transactions.
It covers functionality such as Selection of Undrawn Limits for Overdrafts for standard provisioning, Classification of
Undrawn Limit for Overdrafts, Calculation of Provision on Undrawn Balance of the OD Limit and Posting of the Provision
on Undrawn Limits in Balance Sheet.
It covers functionality such as Selection of Bank guarantees issued for standard provisioning, Classifying the Bank guar-
antees, Calculation of Provision on Outstanding Balance of the Guarantee Issued and Posting of the Provision on Guar-
antee Issued in Balance Sheet.
It covers functionality such as Classification of borrowers under different Risk segment, Parameterise Segment-wise
provision percentage for Risk Classification, Parameterise Cut-off factor, if applicable to arrive at the Base Balance for
calculating provision and Process provision considering the parameters for Risk segmentation and cut-off factor.
It covers functionality such as Prioritising the credit facility for collateral allocation on the basis of risk, Allocation of the
Collateral and Provision calculation to mitigate the risk with the collateral allocated to the contract.
A new application named Generic Accounting Request is introduced to capture a manual request to reverse a Generic
Accounting interface (GAI) booking transaction. After the Generic Accounting Request is approved the system auto-
matically generates a Generic Accounting message (OFS Clearing message).
Moreover, the Generic Accounting Interface now provides an option to supply a contra transaction code as part of the
entry which takes precedence over the contra transaction code indicated in the processing rule (AC.ENTRY.PARAM)
This functionality is about restricting balancing entries posted for off balance sheet entries (for contingent accounts)
when requests are posted through generic accounting interface.
IBAN
IBAN Creation using an Alternate Account Number
Enhancement ID: 2660141
Transaction Recycler
Handling cut-off time in Transaction Recycler
Enhancement ID: 2796634
The Transaction Cycler module (also referred as recycler) is improved to consider a cut-off time when the retry
requests are processed either Online or in Close Of Business. The cut-off time can be set up in the system as a retry con-
dition for a specific type of request or is sent by the Business Application, which initiates the request.
Data Warehousing
Extracting CoB Transactions in Incremental Mode
Enhancement ID: 1992849
The existing Incremental Mode of extraction is now optimized to extract T24 CoB transactions for Funds.transfer and
AA.ARRANGEMENT.ACTIVITY.
Experience the near real-time transactions and improved online extraction mode.
Integration of DW Online with Insight Online offers data integrity and synchronisation between near real-time DW and
Analytics.
Risk
Vanilla Instruments Pricing
Enhancement ID: 1992849
This feature now allows you to price the bonds and Asset-Backed Securities using discounted cash-flow mechanism.
You can now re-evaluate FX Spot Deals with the latest price available in FX Rate and Equity Trade Deals with latest
price. Cashflows for Bond with option can be generated.
Statistical PD Modelling
Enhancement ID: 2462766
Now you can calculate Probability of Default (PD) using Historical data under Statistical Methods.
During Credit Risk Mitigation, Credit Conversion Factor is also applied to collateral value in addition to the outstanding
exposure amount. Credit Risk Mitigation value in the reports includes Credit Conversion Factor as percentage being
applied to the collateral value.
Liquidity Risk System now conforms to the latest BASEL Liquidity Risk Management Guidelines.
After the introduction Basel III guidelines, the operational risk standardised approach's Business Indicator component
and Internal loss component calculations are now independent of existing Basel II computation.
The existing reports that allow the Standardised Comprehensive Mitigation method now supports Standardised Simple
Mitigation method too.
Available from: NA
Internal Rating Based (IRB) approach involves assigning risk weights based on the internal rating of the borrowers.
The ratings exercise must fulfill certain criteria to the satisfaction of the regulator. There are two options available.
They are Foundation approach and Advanced Approach.
Internet Banking
PSD2 Transparency Information
Enhancement ID: 2341151
Internet Banking Retail now complies with the transparency of conditions and information requirements for payment
services, as stipulated by the new PSD2 directive of the European Union.
Travel Notifications
Enhancement ID: 2347353
Internet Banking Retail now manages the logged in user’s travel notifications. The user may now view and manage
their active travel notifications, being able to add new ones, edit or delete existing ones. The notifications capture data
like the country of travel, the period and the purpose of the travel.
Consent Management
Enhancement ID: 2169734
Internet Banking Retail and Mobile Banking were recently updated to allow the logged in user to manage the consent
types for the use of personal data. The user may now view and edit his/her personal data consent types and any asso-
ciated consent sub-type(s), as stated in the GDPR regulation.
Internet Banking Retail payment workflows were recently updated, along with adding new payees workflows.
Internet Banking Retail Loans accounts were recently enhanced with new features, contained within two new tabs
accessible at Loan Account page level.
Internet Banking Retail Deposit accounts were recently enhanced with new features, contained within two new tabs
accessible at Deposit page level.
Internet Banking Retail Loans accounts were recently enhanced with a new feature to repay some of the loan, con-
tained within the Repay Loan tab accessible at Loan Account page level.
Internet Banking Retail's Alerts functionality at account level was recently updated, enhancing the manageability of the
alerts. Specifically, after selecting an account and then clicking on the Alerts tab, you may view the alert groups, col-
lapsed.
Retail Cheques functionality at account level was recently enhanced with new features, contained within the pre-exist-
ing nested tabs accessible at Accounts page level - Cheques tab.
Letter of Credit
Enhancement ID: 2664294
Letter of Credit is a bank service ensuring payment of the amount indicated in the letter of credit to the Seller as per the
Buyer's instructions against the shipment of goods, performance of other conditions stipulated in the letter of credit and
submittal of relevant documents.
User Administration
Online Arrangement Validations
Enhancement ID: 2584355
All the changes to a Master Arrangement are validated against the Product Conditions that the Arrangement is set up
against and they never augment the functionality beyond that. If any update exceeds the Product Conditions, then an
error is displayed and the user is prevented from proceeding further.
User Administration as a Business Component, newly introduced controls for external users and other improvements.
External Users can access the Internet Banking solutions determined by the Arrangements they are linked to.
Extensions to Sub-Arrangements
Enhancement ID: NA
Available from: NA
Online Arrangements are subject to change and in that case, any Roles (Sub-Arrangements) and External Users linked
must be re-evaluated according to the impact those changes have on them. In order to grasp all the changes and cor-
relate the effects with the impacted solutions, the following aspects are detailed:
Available from: NA
Banks need to be able to track the licenses sold to their Customers and control the number of External Users and Roles
created for Online Arrangements, by both Bank Users and External Administrators. A new property class is imple-
mented in order to provide these functionalities. This is a non mandatory property class for the Online Services Product
Line and it stores the maximum numbers of Users that can be linked to Online Arrangements and maximum number or
Roles that can be linked to a Master Arrangement.
Available from: NA
The number of allocated External Users licenses from the Online Services Arrangements must be directly compared to
the maximum number of available licenses stored in Core Banking to prevent unauthorised creation of External Users
beyond the licenses granted by Temenos to the Bank.
Transaction Accounts in a Balance Netting Cash Pool Hierarchy can now get their Interest, Charge and Payment sched-
ule conditions defaulted from another Account placed higher up within the hierarchy.
System now supports the automation of administrative tasks related to the Balance Netting (BN) Pool Administration
through the lifecycle viz., opening, maintenance and closure of the Pool.
l Opening a Pool structure takes the User through a purpose built workflow starting from creating a Draft Struc-
ture, moving it to Preliminary and then taking it Live.
l Maintenance of the Pool structure includes Pool level events such as, addition/removal (external restructuring)
or changing parent (internal restructuring) of the accounts in the Pool – This is allowed both in the Preliminary
and in the Live status.
l Closure events in the Pool structure could be that of an individual account or a substructure or Currency position
or that of the whole Pool itself.
l Several validations and orchestrations are in place to guide the user.
System automatically reschedules the closure event, which has failed during the SOD process to the next working day.
It is now possible to update a Pricing Plan for BN Pool at any lifecycle stage if the Pricing Rule as Manual.
It is now possible to consider locked funds when adding a Standalone account to the Pool and remove a TR account
from the Pool. Automatic cascading funds reservation to the Parent Accounts in the Pool hierarchy is possible when
funds are locked in the TR account.
New enquiries are added to Balance Netting feature for easing Bank User Interface.
It is now possible to setup Standing Orders and Sweeps in the BN Pool that is in Preliminary stage. The Standing Orders
and Sweeps go live after the Pool and the specific Account in Pool goes live.
“Using CT’s balance as sweeping criteria and to disable Cover Control at TR level” is an amendment to the existing
AC.SWEEP.TYPE application, as well as an improvement of the Cover Control functionality, based on transaction codes.
“Sweeps options for a non-banking day” is an amendment to the existing AC.CASH.POOL and STANDING.ORDER
applications to perform sweeps and standing order transactions on the same day in case the accounts involved in the
transfer reside in different T24 companies, and there is a non-working day when the transactions are scheduled.
‘Sweeps with Split Per Value Date’ is an enhancement in the existing functionality of the corporate bal-
ance sweeping.
This enhancement brings new functionalities, such as:
l To set the sweep intra-day run time, based on the server or company time
l To define sweep cut-off time for all accounts of T24 companies (which are part of the same
sweeping group) and apply it for all intra-day sweep executions
l New enquiry for intra-day sweep executions
‘Sweeps with Split per Value Date’ is an enhancement to the existing AC.CASH.POOL and
AC.SWEEP.TYPE applications.
The applications are modified to support various functionalities such as:
l To choose new balance type to use
l To set whether the sweep needs to transfer booked balance split per value date or booked bal-
ance in one tranche
Integrity checks can be performed in BN Pool to identify the validations' errors that appears when the
event is performed in live.
‘Running multiple intraday value dated based sweeps’ is a development to the existing corporate
sweeping functionality. The system allows the sweeping transactions to be performed multiple times
per day and at the end of day. Based on both the booked dated balance and value dated balance, the
system triggers transaction based on sweeping account’s balance.
Letters of Credit
SWIFT Release 2018
Enhancement ID: 1834784, 2369671, 2369710, 2369713, 2369717, 2369719, 2369721, 2369731, 2494146
A significant overhaul of the Category 7(Trade Finance) interbank MTs is addressed and the messages are upgraded to
increase automation, reduce enquiries and address the existing gaps.
External Payment for drawings booked under Import / Export Letter of Credit is linked and routed through centralized
payment module (PAYMENT.ORDER).
Corporate customers who are TCIB enabled are currently able to place LC Issuance requests online,
view status of the transactions and provide instructions for further action to the bank.
Miscellaneous Deals
SWIFT Release 2018
Enhancement ID: 2369731, 2494146
A significant overhaul of the Category 7(Trade Finance) interbank MTs is addressed and the messages are upgraded to
increase automation, reduce enquiries and address the existing gaps.
This functionality is for the integration of POA with the MD module. A payment order is an alternate mechanism for
executing a payment in MD. When the payment order is opted as the payment method, the payment is sent/received
through the POA in the MD application.
Syndicated Lending
Syndicated Loan module - Modification to Accounting entries & Transaction code
(Narrative)
Enhancement ID: 2540747
The objective of this functionality arises as a resolution to an issue raised by the Client indicating incon-
sistent Accounting entries & Transaction narratives’ for similar events in the life cycle of a Facility /
Commitment / Loan between LD and SL modules.
The CBU Code functionality allows the creation of current, special and saving account with a banking standard for the
account number. It is a public code used in Argentina by banks for the identification of their customer’s accounts. While
each bank identifies accounts with internal numbers, the CBU identifies an account uniquely throughout the Argentine
financial system since Central Bank of the Argentine Republic (BCRA) regulated its use.
According to Argentina regulation, you can create beneficiaries with CBU code and/or Alias name.
You can now validate local cheques based on the Central Bank of Argentina (CBRA) regulation.
Savings Account for Authorized Minors is a product that is offered to customers in Argentina due to
country’s regulation. A guardian is the account owner, and a minor is a joint owner that is able to use
the account.
Dormancy Process
Enhancement ID: 2912664
In Argentina model bank, it is now possible for the banks to manage the inactivity process of both sav-
ings and current accounts of customers.
This feature explains the regulation carried out by Argentina, where banks need to capture additional
customer information during on-boarding process.
In Argentina Model Bank, you can now have a CBU Alias in order to identify the originator of each
transfer received.
You can now define sweeps between accounts to move balances during insufficient balance in primary
account. The sweeps are done based on a defined hierarchy of accounts.
You can now generate an Annual Investment income report (AIIR) as required to be furnished by the investment bod-
ies in Australia to the taxation authorities.
You can now capture the KYC verifying details, Australian Business Number (ABN), Australian Company Number
(ACN), and Tax File Number (TFN) of Australian customers.
Withholding Tax
Enhancement ID: 2658232
You can now apply WHT on the interest credited or paid to the customer as per the guidelines provided by ATO in Aus-
tralia.
In Finland Model Bank, the country layer provides the following functionality:
You can now define the product conditions and logic in a loan for switching to a highest interest rate, for the penalty
interest, in the event of a default, in repayment of a lending arrangement.
You can now restrict loan disbursement in Finland Model Bank during a restricted time.
The mail provider can provide the list of customers to the bank, where it could not deliver mail due to NPAI (N’Habite
Plus à l’Adresse Indiquée – No longer lives at this address) scenario. The bank after receiving this file updates the NPAI
flag at the Customer level.
You can now use the core TAX functionality of T24 to support GST (Goods and Service Tax).
The SWIFT Alliance interface helps you to communicate between financial institutions for financial transactions. It also
acts as an Interface in T24 and other external interfaces to exchange secured information.
ATM Framework
Enhancement ID: 2783269
GST Enquiry
Enhancement ID: 2524747
You can now have an Interface between T24 and the Bloomberg financial institutions to carry out financial transactions
from Bloomberg to T24.
In Hong Kong Model Bank, a user can create the mandates manually, and further through the request from channels
like HKICL.
DD Processing
Enhancement ID: 2238984
When claims are received for DD mandates, various validations are performed for the debit account including posting
restriction, dormancy, and insufficient funds. Based on the validations, the transactions are either rejected or tagged as
a HOLD item for user action at the later point time.
Ad-Hoc Holiday
Enhancement ID: 2152678
In Hong Kong Model Bank, banks can mark the holidays on ad-hoc basis in their core banking systems, which results in
extension of transaction credits to the customer accounts, and thereby an adverse impact on transactions are avoided.
CNY Remittance
Enhancement ID: 2152665
Bulk Processing
Enhancement ID: 1996088
Hong Kong Model Bank now supports bulk processing feature that includes collections / Auto-Debits or payments /
Auto-Credit.
In Hong Kong Model Bank, Privileged and Step-up deposits can be offered on campaign basis to the customers of the
bank.
In Hungary model bank, you can validate the received payment message to check whether the received BBAN is cor-
rect, BIC is valid or IBAN present in the payment message.
You can now validate payer and payee’s account number based on GIRO CDV and GVT validation.
Alias identifiers are identifiers that the customer may link with the payment account numbers, so that they can be used
instead of account numbers while generation of Instant payment order.
You can now set a restriction to the number of renewals allowed for the guarantee, i.e. the maximum number of times
the expiry date can be extended.
The Bank can now collect tax settlement for various type of taxes, transfer the same to the head office account, and
capture stamps purchase and stamps usage related transactions.
Honorary
Enhancement ID: 2580777
You can now calculate honorary amount for the Lawyer online and capture the Summon details send to the customer or
guarantor.
In Luxembourg Model Bank, when the credit interest rate becomes less than 0.75 percent, banks proposes to exclude
the income on those days during the calculation of With Holding Tax for residents on credit interest income.
VAT Reporting
Enhancement ID: 2688916, 2698918, 2698922
In Luxembourg Model Bank, banks can charge the appropriate VAT tax based on the Customer set up and cor-
responding charge details.
When the customer decides to pre close his loan earlier than the term agreed the bank charges an early repayment
fee. This is calculated based on specific formula.
This feature helps you to generate a certificate of interest paid by customer for loans and overdrafts, and a certificate
of interest received by customer for deposits and accounts.
You can use this feature to capture the legal ID of the customer.
This feature covers the reporting structure of customer’s credit information to credit bureaus.
Watheeq Services
Enhancement ID: 2690691
The functionality focuses on extending the Watheeq services to connect a financial institution with the statutory organ-
izations.
MF/CPF- Securities Orders Funded through CPF makes it possible to select CPF-OA (CPF Ordinary Account) and CPF-SA
(CPF Special Account).
A new framework named Signature Portfolio is introduced which can accept the valuation amount for a particular pos-
ition, that is, a combination of Portfolio and Instrument.
Sweeping TAXGST
Enhancement ID: 2709580
The sweep feature enables you to sweep the input and output GST tax into GST currency account and provides an auto-
matic resweeping feature when reversed transactions are required.
Refund TAXGST
Enhancement ID: 2709525
You can now refund commissions and taxes for transactions that are collected from customers.
The legal ID is a mandatory field during the customer creation process. The validation is performed through the check
digit algorithm for each legal ID.
Payroll Account
Enhancement ID: 2468754
In Spain Model Bank, the Payroll Account feature allows the banks to define the predefined credit amounts, which if
present in an account, it switches the vanilla current account to a payroll account. In absence of these predefined cred-
its, the account is switched back to a current account.
Customer Search
Enhancement ID: 2493399
In Spain Model Bank, this feature facilitates the additional search criteria that is now added for easy search option for
the bank users.
In Spain Model Bank, this feature captures additional details of customer during customer creation process.
In Spain Model Bank, this feature restricts the mixture of residents and non-residents holding a Joint account/deposit.
In Spain Model Bank, this feature supports the validation of the control digit in MICR.
Non-Emancipated Minors
Enhancement ID: 2495996
When a joint account / deposit is opened or amended, this validation feature allows you to validate the residential
status of the beneficial owners of the arrangement.
In Spain Model Bank, you can open the Young Account for minors under the age of 18 and can change the account to
Open Savings Account as the minor reaches the age of 18.
In Spain Model Bank, you can capture the non-customer information during cash transactions and the system can dis-
play the cash transactions performed by non-customer, through an enquiry, by date.
In Spain Model Bank, all banks and financial institutions can round off the interest rates values during events affecting
the interest rates.
Account Verification
Enhancement ID: 2496013
In Spain Model Bank, this feature reduces the documentation effort and background verification process of a new
onboarding customer.
Teller Report
Enhancement ID: 2671349
You can now send a report containing the details of all cash transactions (incoming and outgoing) along with denom-
ination information to the Central Bank of Spain for a specified period.
Product Limits
Enhancement ID: 2608650
You can now parameterize limits based on count, amount or both for the various products. These limits can be defined
at a Company level, Channel level and Campaign level.
Spanish Fiscal ID
Enhancement ID: 2496008
The Spanish Fiscal ID from incoming DD mandate message can be validated against the values stored in customer
records in T24. On successful validation, system processes the payment.
Confirmed Cheques
Enhancement ID: 2493776
In Spain Model Bank, you can now request the bank to add confirmation for the cheque amount. It also allows you to
cancel, stop and inward clearing of a confirmed cheque.
Tax payments could be classified as Autoliquidation, Liquidation and state taxes and each of these taxes are uniquely
identified by way of the associated tax model codes. Banks can collect taxes from customers by way of cash deposits
or through account transfer and remit these funds to the tax authorities. Banks are further obliged to transmit these
details at a pre-defined frequency with the tax authorities.
You can use Informa, a database that contains customer information like commercial, financial and other business
information which helps you to overcome manual effort in collecting all information from customers directly.
INEM
Enhancement ID: 2544582
This feature relates to IMSERSO-Special Institutions to initiate bulk customer credit transfer initiation message in pro-
prietary format to T24 with one or more customer credit transfer instructions. The Bank receives payment trans-
mission flows from IMSERSO-Special Institutions and the same needs to be processed by T24/TPH as per payment
instructions as credit transfers to the corresponding customers.
You can now set up a forward account for direct debit (DD) mandates in the event that the mandate holder approaches
a bank with such a request.
T24 has a provision which banks in Spain can use to collect social insurance payments on behalf of the insurance entity
TGSS (General Treasury of Social Security).
This feature relates to the Spain National Electronic Clearing System (SNCE) managed by Iberpay has
the scheme of SNCE_03 to accommodate payment transfer for Non Residents.
The Bank receives non-resident payments instructions in Spanish specific format SNCE03, wherein the
same needs to be processed by T24/TPH as per payment instructions as credit transfers and process
claims from the corresponding customers.
In Spain, the clearing of cheques is carried out using a proprietary message format called SNCE04.
This development pertains to the receipt of standard SNCE04 format files into T24, and the generation
of outward SNCE04 file formats.
Miscellaneous Payments
Enhancement ID: 2539418
In Spain model bank, you can interchange payment instructions that are not covered under standard SNCE message
types.
This feature allows you to create 20 digit alternate portfolio id using specific business validations and then you can use
this unique id as a search criterion in various enquiries.
You can now have a holistic view of Asset Classification and Provisioning covering both Funded and Non Funded Credit
across Loans, Overdraft, and Bank Guarantees for both Single Account and Joint Account.
Cartera Payments
Enhancement ID: 2496043
This feature relates to the Spain National Electronic Clearing System (SNCE) managed by Iberpay. You can use this fea-
ture to accommodate payment transfer for commercial transactions settled by the use of promissory notes, bills of
exchange, domicile payments and other such instruments.
Accounting Bulk
Enhancement ID: 2608655
The purpose of the development is to provide an enquiry with all the details such as Bulk Id, total
amount, status of the transaction, individual payments, transaction amount, status, issuer and des-
tination accounts.
This feature helps you to provide account statements to customers in NORMA 43 format.
You now have a field in the SEC.OPEN.ORDER application where you can store the Transaction Id
provided by All Funds Bank (AFB) for every Fund transaction that happens in the SEC.OPEN.ORDER
application.
This feature provides an alternative method of effecting recurring payment transactions for utility services such as tele-
phone bills, electricity bills, insurance premiums, card payments and loan/finance repayments, which would reduce the
need for issuing and handling paper instruments.
This feature provides a safe, secure, efficient and robust mechanism to streamline the timely payment of wages to
employees by their employers.
Image Cheque Clearing System (ICCS) reduces the dependence of the payment infrastructure on the physical move-
ment of paper, and therefore facilitates shorter clearing and settlement cycles.
You can now use an indicator to process payments transaction either through RTGS or SWIFT.
You can now extract T24 AA Mortgage products into MSO system.
Faster Payments Redirect Files details the processing of FP Redirect files by T24
You can now create Mortgage loan arrangement for customers based on the request received from
MSO. Based on this request you can also create Collateral/ Collateral Right/ Collateral origination
details, Beneficiary, Direct debit mandate and disbursements to the beneficiary through payment
order.
BBSI Reporting
Enhancement ID: 2667247
The Bank Building Society Interest (BBSI) reporting feature helps to report the interest paid or credited
to customers.
You can now receive Direct Debit Originator details from vocalink system and upload the details into
T24.
United States
Account Inquiry
Enhancement ID: 2343143
The bank requires the ability to view all maintenance changes performed on an account record, and search monetary
and maintenance activities using predefined selection criteria. The Account Inquiry enhancement meets these require-
ments plus has additional filtering options used to display specific types of changes or amendments.
FDIC Large Bank Failure functionality provides the user the ability to perform tasks in accordance with the FDIC Large
Bank Failure requirements and regulations, including:
l Provisional holds on a subset of deposit accounts.
l Extract files
l Receive processing files from the FDIC in order to comply with the Large-Bank Insurance Determination
Modernization rule (the Rule).
Federal Reserve Account Sweeps (Reserve Reclassification) is a new enhancement on top of existing functionality in
USMB, which provides the bank the ability to:
l Define the rules and parameters regarding the Federal Account Sweeps.
l Determine the Target Balance for the transaction sub-account.
l Perform daily sweeps between the transaction sub-account and non-transaction sub-account.
l Count the transfers from the non-transaction account and reset the counter on monthly basis.
l Provide reports from the Federal Account Sweep process.
Bonus Payout
Enhancement ID: 2301857
The bank offers products that pay bonuses on accounts that satisfy specific behavior during specific periods. This solu-
tion addresses the configuration of bonus products and functionality to pay the bonuses to eligible accounts.
Reg D Notification
Enhancement ID: 2301807
Regulation D is a Federal Reserve regulation, which sets out reserve requirements for banks in the United States. It lim-
its the number of preauthorized withdrawals and transfers from a savings account or money market account. With-
drawals or transfers in excess of these limits may result in a fee or a change to a non-Reg D product. Withdrawals or
outgoing transfers in excess of limits may result in a violation letter to be sent and/or change of account’s product to a
non-Reg-D product.
IRA Disbursements
Enhancement ID: 2260382
The bank must follow the guidelines that regulate the processing and reporting of Individual Retirement Arrangements
(IRAs) by financial institutions. This solution addresses various areas of the IRA business that need to be supported in
T24.
This enhancement now provides for APY calculations for each tier of a banded rate deposit product, including an overall
blended (single) APY.
Regional Pricing and Service Charges calculates the charges based upon the number of deposited items present for a
customer (cash items, ONUS, local and foreign items). T24 performs the calculation but is dependent on receiving the
details so T24 can calculate the amount.
Mass Maintenance
Enhancement ID: 2405129
This feature provides T24 the ability to automatically close an arrangement if an account has remained in a continuous
overdrawn status for a specified number of days.
This feature provides T24 the ability to automatically close an arrangement if an account has remained in a continuous
overdrawn status for a specified number of days.
Additional functionality has been added to T24 Dormancy to meet the US market and each states’ regulatory require-
ments. Escheatment processing has been added to T24, which was not available before.
This enhancements incorporates an earlier delivery of US Tax Reporting into a single delivery of functionality needed
for processing and reporting US taxes. This document represents a combination of both deliveries and provides the abil-
ity to:
l Configure IRS form types and Static information
l Capture tax transaction details automatically based on transactions processed on the arrangement
l Support FATCA requirements for US banks
l Handle State Reporting and State Withholding capabilities
l Capture tax transaction details manually and to correct customer TIN details.
Stop Payment
Enhancement ID: 2419695
The bank offers stop payment processing, which is integrated within T24 and enables stop payment for any incoming
check and ACH file.
Reg E
Enhancement ID: 2490049
Available from: NA
Reg O
Enhancement ID: 2481554
Available from: NA
The bank offers safe deposit box products that enables customers to select a specific size safe deposit box. These
boxes are associated with a particular branch, which helps to maintain branch level inventory.
FIDM
Enhancement ID: 2352014
Under U.S. federal law, states are required to enter into arrangements with financial establishments conducting busi-
ness within the state for the purpose of leading a quarterly data match.
A data match is used to identify parents who are delinquent in their payment of child support. When a match is iden-
tified, the state’s CSE programs issue liens or levies on the accounts of the delinquent obligor to collect past-due child
support.
The banks can elect to submit to the state a file identifying all open account by April 30 and quarterly thereafter. Other-
wise, the bank can access the child support portal and download the inquiry file sent by the OCSE of delinquent obligors.
The bank matches the information received, collects additional information on the obligors and creates a match file,
which is sent back to the child support portal within 45 days of receiving the inquiry file.
Statements
Enhancement ID:
The bank produces different types of statements such as regular statements, recurring snapshot statements, ad-hoc
snapshot statements, as well as standalone and combined statements.
Banks in the United States must report distributions from Retirement accounts (IRA) to the Internal Revenue Service at
the end of the calendar year. Each distribution must be reported on a 1099-R form and identify the type of distribution.
The IRS provides the categories for the types of distributions.
Current year end tax reporting processing in T24 for the U.S. uses transaction codes to identify the type of distribution.
That transaction code is then linked to the appropriate box on the form.
Bank customers have the option to choose recurring distributions and determine the method of payment – check,
external transfer, internal transfer. This is defined in settlement instructions on the account.
This development provides user experience screens and inquiries which the user can make payment decisions on insuf-
ficient funds (NSF) transactions on an account. Also provided is establishment of a decisioner hierarchy, alert mech-
anisms that may be triggered during NSF processing, enhanced cutoff processing, and corrections updates for OD
counters, Reg D counters and NSF counters.
Account Titling
Enhancement ID:
l The system validates the account titling during the creation of the arrangement, as well as after any updates.
l The system defaults beneficial owners into the account title fields in the customer’s property of the arrange-
ment.
There was a need to increase the level of loan details when performing a drilldown. This is due to US banks’ clients
expecting the ability to capture due dates on payments made. This provides the ability to research clients’ questions if
there are bill and/or due date disputes. Further it provides an audit trail to be able discern the loan’s due date at any
given point in history. These are crucial requirements both from a customer service and legal perspective.
To meet market expectations, the existing drill still contains element items as before. However other non-bill trans-
action are now captured such as a principal reduction and aid accrued interest as examples. With due dates and the
additional items, the customer can be easily accommodated and legal requests can be filled as well.
Check Production
Enhancement ID:
l Account Titling works together with Statements (individual and combined) enhancement
delivered for the bank.
l Account Titling works together with the SDB notices.
AA Overview Changes
Enhancement ID:
l Banks in the United States need the ability to close out a certificate of deposit (CD) account using
a workflow, which requires minimal steps.
l This close out must be available from the Certificate of Deposit Overview screen, which is used
to inquire on a certificate of deposit.
You can use a dashboard to view and track the progress of the events, which are moved from live database into Rela-
tional Replication database with the help of this feature. The dashboard also helps you to view the list of errors
encountered during the relational replication process.
Improving RR Performance
Enhancement ID: 2557465
The RR ETL process improvement provides better near real time data replication of T24 transaction data in relational
data storage format, stabilize error handling mechanism and enhance view generation change support capabilities.
You can now use this feature to improve the Transform and Load process of the current ETL system. Also, this feature
enables you to recover the events which are failed.
The Data Event Streaming (DES) platform provides you a reliable and efficient solution to stream T24 events. You can
now put minimal efforts in T24 transactions because the DES platform helps you to efficiently capture and write events
to the data events table.
Loading of Metadata
Enhancement ID: 2566164
This feature enables you to load Metadata information into Data Framework Reporting Database.
You can now reclaim the space in T24 live database after implementing Data Lifecycle Management product.
You can now create as many promoted columns in DLM database to enhance the performance of DLM.
You can now update DFR dimensional database with respect to data erasure in T24.
Right to Erasure
Enhancement ID: 2652510
You can now update DLM dimensional database with respect to data erasure in T24, capture the erasure ID for con-
figured list of DLM applications and process these erasure ID’s in DLM database.
You can now execute the purge process in multiple threads. This helps you to purge the jobs along with data events,
improve the error handling, recovery in failure scenarios and capture the audit logs.
In RR, you can now fix multiple data integrity issues that emerges during the user test environment implementation.
You can now recover those events, which have been attempted to recover and failed in the RR recovery mechanism.
You can now execute High Volume Transaction (HVT) from T24 as single or multi-part based on the configuration
enabled in the AC.HVT.PARAMETER application. This allows the events to be processed as and when it arrives, there-
fore increasing the chances of processing the events as multiple threads.
In RR, you can now deploy and run artefacts application in multiple server/instances. Also, it gives you the privilege of
viewing, processing and recovering the failed XSD events in multi-server setup.
In RR change support mechanism, you can now process existing table data when there are column type or field format
changes.
You can now deploy and run Relational Replication (RR) as a component in the WebSphere Application Server (WAS)
Liberty.
Searchable Database
Enhancement ID: 2913355
You can now store the T24 data from applications CUSTOMER, ACCOUNT and DE.ADDRESS to searchable database
through ETL processing. This helps you to load the data to SOLR database in a document format. Therefore, any search
pertaining to T24 applications CUSTOMER, ACCOUNT and DE.ADDRESS can be made on searchable database.
Design Studio
L3 Impact Analysis
Enhancement ID: 2567122
You can use an L3 impact tool to handle T24 Core update/upgrade impact on L3 artefacts with less manual inter-
vention.
PWD Designer
Enhancement ID: 2567166
The PWD Designer in Design Studio provides a visual, easy to use graphical designer to construct
PW.PROCESS.DEFINITION (PWD) and all its constituent parts.
Integration Framework
Available from: NA
This feature describes the inward messages that are sent to T24.
Available from: NA
You can now enhance the event delivery speed with the help of this feature.
Available from: NA
Available from: NA
You can now use JMS Queue to send outbound request to T24.
Available from: NA
You can now archive those events that are polled by the adapter. Therefore, enhancing the event delivery process.
Available from: NA
The requirement of data events to be processed quickly by streaming events required Integration Framework to intro-
duce new flow type marked by flow attributes.
Available from: NA
Available from: NA
Conditional Event Generation (CEG) can now ease the process of defining conditions.
Available from: NA
This functionality provides flexibility to define callback and reduces unnecessary calling of callback API’s.
Available from: NA
This functionality provides an option to design what information to collect from AA when triggering the event.
Creating Event Designer projects using existing Exit Points and flows
in T24
Enhancement ID: NA
Available from: NA
Event Designer plugin allows you to design events and flows in EDS and publish them to T24. If you want to modify any
existing event definition or flow definition available only in T24, then one can make use of the Introspection feature
available with IF Plugin.
Available from: NA
You can use all Temenos supported application servers when using T24 Custom Adapter for OSB.
Available from: NA
Now you can attach all possible exits to an event where the flow remains same.
Available from: NA
Now you can define T24 exit points on business events in SIMULATION, INPUT or AUTHORIZE stages for AA activities
or AA activity classes.
Inbound Mixed Polling with Batch and Bulking options in T24 Custom
Adapter for MULE
Enhancement ID: NA
Available from: NA
You can now poll multiple events for multiple companies in MULE using this feature.
Available from: NA
You can now poll the inbound events with parallel thread count option in MULE using this feature.
Interaction Framework
Enterprise Deployment Pattern for IRIS
Enhancement ID: 2412985
This module ensures that IRIS metadata files are not accessed from the file system during the runtime, instead they
access the database for the IRIS metadata resources.
Automating Services
Enhancement ID: 2457901
You can now perform validations for the service operations using the Service Automation feature.
A solution that provides a Token based authenticator in IRIS module to authenticate the requests from user agents and
client applications.
RIM Importer
Enhancement ID: 2638311
This is part of the IRIS R18 tool set. You can use this to help migrate legacy IRIS API definition to IRIS R18 compliant
definitions with minimal effort.
You can now audit the IRIS Request related metrics in Temenos core application using IRIS API Metrics. The IRIS API
Metrics gives you an infrastructure to audit the IRIS metrics.
You can now capture all the overrides/ warnings thrown by T24 and give a provision to the end users to view those and
accept those overrides/ warnings to complete the transaction.
This feature enables you to create pagination in APIs which further helps you to handle responses in client application
in a much easier way.
You can now provide support for asynchronous API calls (for long running transactions) in Interaction Framework.
This feature allows you to use Provider API infrastructure to create or update T24 Application records in T24 under
single transactions.
This functionality provides capability in IRIS to validate the credentials passed in header(basic Authentication) against
T24 and send back the JWT token for successful authentications.
IRIS can now help to post clearing request with changes made to resource provider.
UXP Browser
Enterprise Deployment Pattern
Enhancement ID: 2478884
The UXPB-side mechanisms is implemented in UXP Browser to support the EDP (Enterprise Deployment Patterns) fea-
ture.
You can now use the configurations defined in the IM.IMAGE.TYPE application to enhance the Image management func-
tionality in UXP browser.
Enquiry results page contains various attributes like Header, Main body, Footer etc. You can now download these
enquiry results into various formats like HTML, PDF, CSV etc containing the same attributes (Header, main body, footer
etc). Also, you can apply custom styles to the contents of these downloaded files(HTML, PDF, CSV etc).
Bulk Download
Enhancement ID: 2703814
A new Bulk Download option is added to the Enquiry Search Results toolbar. This options enables you to obtain display-
oriented CSV results for large numbers of Enquiry result records via a single operation.
Pagination in UXP Browser allows you to fetch enquiry results as chunks, instead of fetching the entire results record.
This is essential in achieving good performance as it takes full advantage of server-side result-set caching.
You can now view the UXP browser interface in right to left direction.
UXP Browser code is upgraded to industry standard for the following items:
1. TAFJ Connection Pooling
2. Authentication Token mechanism (JWT)
New Islamic finance product called Mudaraba Finance has been created to handle the Mudaraba finance Business
requirements.
TPH is enhanced to receive request for Banker’s Draft issuance from Payment Order (Front-end) and process the
same. Operator can issue drafts in local or foreign currency. When a draft is issued in foreign currency, it is also pos-
sible to define if MT110 should be sent out to the correspondent on which the draft is drawn.
TPH also supports the workflows for stopping or cancelling a draft before it is paid.
Banker’s draft, after it is issued, can be received from clearing for payment if the payee account is in another bank.
TPH can receive drafts received from clearing and process the same.
TPH now facilitates defining repair cut-off for payment to be processed from repair queue. Direction is introduced in
Holiday logic table which is used while performing holiday check. Current Business Date is being validated for holiday
while calculating datetype CVD.
TPH is now enhanced to adhere with the mandatory EPC changes from SEPA Rule books which comes
into effect from 19 November 2018 for
l SEPA Credit Transfer (SCT)
l SEPA Direct Debit (SDD)
l SEPA Instant Credit transfers
PP.COMPANY is now removed from TPH. So, PP.COMPANY.PROPERTIES can now be referred instead of PP.COMPANY
to check whether payment processing is allowed for that company in TPH.
Temenos Payments Hub (TPH) now facilitates enhancing features for processing of PMTROUTER batch.
Temenos Payments Hub (TPH) now facilitates receiving payment processing requests from Payment Order involving
funds reservation on the debit account and streamline the generation of overrides common to PO and TPH in course of
processing a payment.
TPH Dates API Hook is an additional functionality for Dates determination in TPH. The Dates API hook can change/im-
pose the Processing Date, Debit Value Date and Credit Value Date according own created rules which are determined
by an API.
MT 202 Generation
Enhancement ID: 2486227
TPH enables user to send out a single MT 202 message with only the Tag 54 (Receiver’s Correspondent).
A new parameterisation table named ISO.CLEARING.SYSTEM.ID is introduced to store the relationship between
ISO and SWIFT.
TPH now provides an API hook to determine and validate Debit and Credit account. So, TPH has the ability to determ-
ine the debit and/or credit account based on custom conditions and the ability to use custom conditions to validate a deb-
it/credit account determined.
TPH now allows you to enable the rate fixing functionality. You can also override the rate fixing and process trans-
actions even if the rate is not fixed for that day.
Swift 2018 MT
Enhancement ID: 2487538
SWIFT 2018 MT changes are incorporated in the existing TP and TPH modules. The GPI fields 111 and 121 which can
be received from SWIFT are mapped into TP and TPH. If a SWIFT payment is redirected field, 121 (UETR) is for-
warded. If for an Outgoing SWIFT Payment the UETR is not present, then TP(H) generates the UETR and puts it into the
outgoing SWIFT payment.
Bulk Agreements
Enhancement ID: 2487959
Bulk Agreement validation is now enabled for Customer initiated Direct Debits and Credit Transfers.
TPH now allows you to forward an incoming Direct Debit instruction to alternate account number specified by the
Debtor, instead of forwarding it to the account number quoted in the incoming instructions.
TPH now allows you to update the status from PH to PO. It can be done through PO.STATUS.ACTION instead of Trip
Services.
Request for Recall by the Originator can be initiated by the Originator Bank after an Originator has
requested the Originator Bank to reverse a settled credit transfer for a reason other than duplicate
sending, technical problems resulting in erroneous Credit Transfer(s) and a fraudulently originated
Credit Transfer (existing recall of credit transfer).
The Payment Order and Order Entry applications are now enhanced to capture and process the SEPA fields defaulted
through the Beneficiary application.
The system is now enhanced to enable parallel initiation of Fraud Check and Cover Check when TPH is in standalone
mode. So, TPH need not wait for response from Fraud check and screening.
The system is now enhanced to support the Hungary Clearing Directory (GVT) for processing the Hungary Instant Pay-
ments.
The system is now enhanced to process and validate the HCT Instant Payments in TPH.
TPH is now enhanced to facilitate ESB to receive pain.001 files with single/bulk transactions.
The system is enhanced to cover the new SEPA rule book changes for 2018 proposed by EPC/EBA.
The new rule book changes for SEPA is with respect to the request for status update (pacs.028) on the
recall request (camt.056) sent by the originator.
TPH now has the ability to update the returned transactions status against the cheque/draft in
T24/DDA. Also, the system now facilitates the processing previously returned cheques when re-presen-
ted.
The system is now enhanced to facilitate the exception handling of instant payments in TPH.
PH and PP modules are now enhanced to provide additional limit over and above the Overdraft limit provided by the
Banks for specific type of transactions.
TPH is now enhanced to perform Mandate Limit Checks and Creditor Restriction checks, for the Incoming Direct Debits.
TPH can now receive Seize Funds as response from the Screening System. It can also Time out payments based on
Channel Cut Off Time in case Screening System does not receive response.
TPH can now support Hungary Domestic Instant Payments Processing for bank code and BIC validation, and reach-
ability check.
The new GIRO rulebook changes for 2018 helps you to focus on the return and investigation messages for instant pay-
ments.
You can now skip the mandatory check/ validation against the BIC and Bank Code directories for non-SWIFT based
Clearings other than SEPA, that have their own routing table to check reachability.
Matching of MT210
Enhancement ID: 2312747
MT210 (Notice to receive) is an advance notice by account owner to their account servicing institution that it will
receive funds to be credited to sender’s account.
This feature caters the new GIRO rulebook changes for 2018, which focusses on the recalls for instant payments.
You can now map error codes to ISO reason codes through Payment Order.
TPH is enhanced such that you can now receive Credit Transfers and Direct Debits from Indirect Participants.
TPH can now receive and process credit transfer files from Indirect Participant (IP) banks through an IP bulk channel
implemented and is configured as part of TPH Inward Message Mapping/ Acceptance and Clearing framework.
You can now generate a customer status report on a settlement date, that contains all the description of transactions
occurred on that settlement date.
This feature enhances the existing time out check feature for instant payments in TPH.
TPH is enhanced such that you can now categorize the payments as consumer and non-consumer payments.
TARGET2 reachability check needs to validate the reachability in the Centralised Clearing Directory
(CA.CLEARING.DIRECTORY). The TPH specific table PP.TARGET2.DIRECTORY is made obsolete. The TPH
need not use PP.CLEARING.DIRECTORY anymore for TARGET2 payments.
Use the CA.CLEARING.DIRECTORY for reachability check of the beneficiary banks, when TPH bank
sends an outgoing TARGET payment to TARGET2.
STEP2 reachability check needs to validate the reachability in the Centralised Clearing Directory
(CA.CLEARING.DIRECTORY). The TPH specific table PP.STEP2.DIRECTORY is made obsolete.
Use the CA.CLEARING.DIRECTORY for reachability check of the beneficiary banks, when TPH/POA bank
sends an outgoing SEPA payment to STEP2.
You can use the Lebanon Inward Cheque Clearing enhancement to receive, validate and process a flat file from the
Clearing House.
You can use the Lebanon Outward Cheque Clearing enhancement for collection.
TPH now checks for matching cover before processing MT103/202, which is being received.
BEMO RTGS
Enhancement ID: 2700635
You can use this feature to enhance TPH to support Lebanon RTGS and Jordan RTGS clearing.
This feature helps you to enable TPH to support exception scenario flow for Pacs.008 and Pacs.004 files that you
receive from IP.
This enhancement is created to process the drafts presented or deposited in a counter by the clients.
This feature caters to the cancellation request (Camt.056) that you receive from IP and forwards it to
the clearing house or IP. During on-us transaction, the cancellation request is stopped for manual inter-
vention.
The DP bank needs to receive the return message (Pacs.004) and recall reject (Camt.029) in response
to the clearing request (Camt.056) sent to clearing/IP, and forward the same to IP bank.
This feature supports Extended Industry Sorting Code Directory (EISCD) to process instant payments in local clearing
in UK (such as CHAPS, FPS, CNCC and BACS).
This feature supports EQUENS Clearing Directory to process EQUENS Instant Payments.
This feature helps TPH to support EQUENS Clearing (Netherland (NL) Instant Payments Clearing).
This feature helps TPH to interface with Transaction Stop to perform additional validation on account
for United States Automated Clearing House (USACH) Non-Sufficient Funds (NSF) requirements. Also,
with Recycler to recover funds for an account till a stipulated date and time. If it has breached the spe-
cified time, payment can be cancelled.
Enabling Direct Debit
Enhancement ID: 2836410
This feature explains how TPH provides solution for processing loan DD collection for USD currency received from DD
module.
This feature explains how TPH provides solution for processing loan DD collection for GBP currency received from DD
module.
UK Fast Payment
Enhancement ID: 2536998
BULK Payments
Enhancement ID: 2626188
This functionality explains about the uploading and processing of Bulk Payments.
This functionality supports T24 to handle the payment initiation API request for Berlin Group.
Receive granular error information for posting restriction and product restriction
Enhancement ID: 2905669
This functionality has the ability to provide granular level reasons in case of failure in account validation and mandate
checks.
CHAPS Payments
Enhancement ID: 2751219
BULK Agreements
Enhancement ID: 2625414
This functionality enables payment to be cancelled, rejected, or returned due to failure in balance, account restriction
or transaction stop checks.
All payment transfer is either received through paper based or other channels. If you are determined to execute it as
an exotic currency (which is not in the bank book), credit a specific Nostro account (USD or EUR based on debit cur-
rency).
This functionality describes how Temenos Core Banking captures the cheques and drafts returns and triggers a noti-
fication to the drawer customer. It is used when the cheque or local draft is presented over the counter and the bank
user decides that it should be returned and can also be used by TPH when the cheques or local drafts are presented
through local clearing and the decision is to return.
This functionality describes how the MT112 SWIFT message (Status of a Request for Stop Payment of a Cheque) is
received from the drawee bank and is processed by the system.
The MT112 is sent by the drawee bank to the drawer bank, in response to a previous MT111 or to sim-
ilar requests sent through other channels. In the SWIFT MT112 message the drawee bank indicates the
actions that are taken while attempting to stop the payment of the cheque indicated in the message.
The processing of incoming an SWIFT MT112 message involves receiving the MT112 message, storing
the MT112 message and enquiring the MT112 message.
This functionality describes the processing of an FCY Draft that takes place from the perspective of the Drawee Bank,
when a SWIFT MT110 message (Advice of Cheques) is received from the Drawer bank.
The Drawer Bank advises the Drawee Bank when they issue a foreign currency draft on their Nostro account main-
tained with the Drawee Bank, by sending the MT110 message.
After the Drawer Bank issues the draft, a need can arise to ask the Drawee Bank to stop the payment
of the draft/cheque, for example, in the case of customer request or due to operational exceptions. In
such cases the Drawer bank sends an MT111 message (Request for Stop Payment of a Cheque), to
request the drawee bank to stop the payment of the cheque referred in the message.
The Drawee Bank sends an MT112 message to the drawer bank (MT112 – Status of a Request for Stop
Payment of a Cheque), to indicate the actions taken in attempting to stop payment of the cheque
referred to in the message.
When the draft is presented for payment, the Drawee Bank checks if the Drawer Bank has previously
advised this and raises a warning if no advice is received. Depending on the procedures of the Drawee
Bank , they send a request to the Drawer Bank to ask for confirmation of the status draft.
Direct Debit
Mandate creation from PAIN.008
Enhancement ID: 2487888
The Direct Debit Management functionality is now enhanced to validate, amend, cancel or create a mandate (if
required), when a Direct Debit is received for both Incoming and Book direct payments.
The development links the Direct Debit module with TPH for own DD collections processing. The DD module sends the
DD collections initiated for loan repayments and deposit payments to TPH. TPH then covers the execution and notifies
the DD module when a Direct Debit is rejected or returned or refunded. The DD module processes the rejects and the
unpaid is reflected on the loan or deposit.
This functionality describes the Reachability Check process for the Debtor Bank when a Direct Debit mandate is cap-
tured or amended in the system.
According to different clearing rules (as this is not applicable for all clearings), the bank that initiates a
Direct Debit Collection (Creditor Bank) must advise the new and cancelled Direct Debit mandate to the
The payment schedule of a loan can have one or multiple payment types, for example, a constant pay-
ment type can be used when the repayments have the same amount, a different payment type can be
used for a scheduled fee.
When the settlement of these payment types is done through direct debit, the AA framework gen-
erates a DD collection for each payment type, irrespective if the Bill is combined or not. This func-
tionality provides a parameterisation option based on which the DD module combines the new DD
collections created for the same DD mandate, having the same value date, and sends a single DD col-
lection to TPH or the external Payment System.
The rejects or returns received for the combined DD collections are handled by the DD module, which
creates returns for each individual DD collections included in the combined item.
This functionality describes the Automated Direct Debit Mandates Cancelation process from the perspective of the
Debtor Bank, where the Direct Debit Mandate is automatically cancelled by the system in case the inward DD collection
fails a consecutive number of times because of insufficient funds on the customer’s account.
In T24, the Securities module is available to handle IPO subscription and allocation process.
In T24, the Securities module can now support ISO15022 MT swift messages for fund switch transactions. Further, for
inter-fund switch orders, system can be parameterised to ensure that settlement of redemption orders is aligned to the
settlement of subscription orders.
The Securities module in T24 now supports the various types of funds offered by the fund house like Growth and
Dividend.
The Securities module in T24 is enhanced to handle automatic creation of the trade when a user buys/ sells rights in
cases where the event terms include the option to sell or buy during the interim trading period. Also, payment on exer-
cising the rights/ Over-subscription and handling refunds in case of partial or no allotment can also be handled in the
securities module.
You can now define an extended cut-off time, where automatic grouping of orders is parameterised. Any order
received after the cut-off time but before the extended cut-off time would be ‘transmitted’ instantly without waiting for
the next cut-off cycle to be grouped.
Advisory Fees
Enhancement ID: 2000259
The Securities module in Temenos Core Banking is enhanced to handle the Advisory fee based on number of trans-
actions during the period and to calculate the fee based on that structure.
The Securities module in Temenos Core Banking is enhanced to handle Private Equity investment. The system now sup-
ports the various events involved in the lifecycle of the PE investment from Initial Commitment to Maturity.
The Securities module in Temenos Core Banking is enhanced to handle Private Equity investment. The system now sup-
ports the various events involved in the lifecycle of the PE investment from Initial Commitment to Maturity.
You can now create Securities Trades based on incoming MT 541/543 and Securities Transfers based on the incoming
MT 540-542
You can now use the Securities module to specify taxable and non-taxable components of an income. This helps you to
apply the withholding tax on the eligible component of an income.
The securities module in T24 is enhanced to handle MT 548 - “Settlement Status and Processing Advice”- messages for
monitoring and management of settlement of all types of securities transactions.
The Securities module in T24 is enhanced to record the MiFID data in a core table enabling the system
to capture Client Classifications as per MiFID II requirements.
The Securities module in T24 now controls the automatic update of changes from SC.PRE.DIARY to
DIARY through MT 564 (Function=REPL/ADDB) based on a parameter set up.
The Securities module in T24 is enhanced to mark the portfolio ‘dormant’ if there is no customer ini-
tiated activity in the portfolio for a configured period of time.
The Securities module in T24 is enhanced to map the reason for change in ownership in the swift mes-
sage.
Settlement Allegement
Enhancement ID: 2741894
The Securities module in T24 is enhanced to handle incoming MT578, settlement allegement message
from custodian and record relevant details and to create a transfer record if the allegement is valid.
The trade consideration (gross amount plus all the charges/taxes) is split into amount due to custodian
and the amount due directly to brokers. The charges due to the broker, are paid directly to the broker
and the balance amount is paid/received from the custodian.
Safekeeping Fees
Enhancement ID: 2741893,2941066,2941076,2941082
The securities module in T24 is enhanced to store the daily fee estimate for safekeeping fees. The
estimate is done at an instrument level taking into account the minimum and maximum fees specified
Stamp tax can be charged on certain parties for a transaction while certain clients or counterparties
can be totally exempt from paying the same. The exemption can be based on nationality or based on
any other attribute.
It is possible to set Stamp tax differently for different groups of customers..
Derivatives
The Derivatives module in T24 is enhanced to handle multiple charges and taxes using a flexible framework.
Repos
MT527 Generation for Triparty Repos
Enhancement ID: 2367575
The Securities module in T24 now supports the generation of MT527 and the processing associated
with triparty Repos and reverse Repos.
You can now use versioning to support most long running process including Origination. This functionality lists the
changes to be done in PW to support the same.
Available from: NA
The objective of PWD Designer in Design Studio is to provide a visual, easy to use graphical designer to construct
PW.PROCESS.DEFINITION (PWD).
The existing CRS module now supports features like Country specific data or XML schema customizations, Bulked CRS
XML output, Reporting of closed accounts, Provision to customize CRS address data, CUSTOMER.RELATIONSHIP links
for balance aggregation and AA Customer roles for balance aggregation.
Consent Management
Enhanced Consent Management
Enhancement ID: 2671413
This development is an amendment to the existing CK (Consent Management) module and is an overall update of the
Consent Management functionality.
The new functionality is an amendment to the Customer Data Protection (CZ) module. It provides the ability to include
historic versions of information within a Subject Access Request (SAR) or Data Portability output.
This development is an amendment to the Customer Data Protection module and introduces a new set of fields within
the data definition to provide a mechanism to hold Temenos provided ‘FEATURE’ fields that are likely to contain per-
sonal data.
IFRS
This functionality is part of the existing I9 module and deals with changes in the current ECL calculations to fix stage 2 &
stage 3 ECL calculations, Inclusion of Past Due amounts for stage 1 & stage 2 ECL calculations and the Removal of ECL
calculations on FVPL contracts.
Probability of Default (PD) and Loss Given Default (LGD) at appropriate levels
Enhancement ID: 2521128
The I9 module now provides with the flexibility of accommodating PD and LGD values at Contract, Customer and
Product levels. The system defines the order of priority that is used while calculating the Expected Credit Loss.
This development is part of the existing I9 module and deals with the Expected Credit Loss(ECL) calculations on
Undrawn Commitment for loans.
This development is part of the existing I9 module and deals with the Impairment on Discounted Trade Bills along with
the classification and measurement.
This development is part of the existing I9 module and deals with the ECL calculations on Commitment for Overdrafts &
Credit Cards.
Earlier, it was impossible to identify the transaction details of individual corporations, identify the counterpart of fin-
ancial transactions and calculate the total risk amount. So the LEI system was developed to fully track the financial
transactions in different national jurisdictions and identify organisations uniquely.
Two new applications are being introduced under PSD2 – Open Banking Directory Interface and they are as follows
l An application to record Open Banking entity and to record details of the legal status of the
Open Banking external party
l A table to manage centralised data for National Competent Authorities for regulating Third
Party Providers and Credit Institutions
Financial institutions are now able to define periodic period relatively based on maturity, renewal or reset period. In
addition, Initial Interest Reset Date can also be defined.
New validations are added to Payees instructions to notify user and customer the impact of changing or cancelling an
existing Payee’s.
It is now possible to have the system default the values of an Arrangement (Target) condition from another Arrange-
ment (Source) instead of from the Product condition.
All attributes of the condition would be defaulted from the designated Source arrangement.
Multiple Constraints
Enhancement ID: 2323135
Multiple Constraints is the ability to define backdating rules for AA activities based on multiple defined constraint types,
including the new financial year-end constraint type in conjunction with the previous constraint types.
A feature is now available in Product Designer to delay (by a defined number of days) the effect of change in the track-
ing product condition for charge or pricing rules.
Constraint functionality is enhanced with the additional features such as defining restrictions on the basis of action
(such as new transaction or reversal of existing authorised transaction) and excluding an activity from the constraint
evaluation itself.
AA Account Closure process is enhanced by adding ‘Settlement by Payment Order’ as one of the Closure Method
options.
Combined Statements
Enhancement ID: 2335462
Statements of more than one account can be combined and produced as a consolidated output. It follows a concept of a
Lead Account and Participant Accounts which follow the frequency of the Lead Account.
Channel Availability
Enhancement ID: 2438248
Adjustment of Interest Rate at Arrangement level with quoting a reason is now possible. It is also possible to override
the original Interest rate with a new Interest rate quoting a reason.
It is possible to adjust, override or waive charges at Arrangement level for a specific period and give a reason. The
details of the discounts given with the reason are stored in AA Charge Details.
During Charge Capitalisation, if Account has insufficient funds to capitalise the charge, the pending amount is invoiced
to the customer. It is possible to retry the pending capitalisation using Transaction Cycler setup.
It is now possible to apply compounded interest for banded rate tier type based on weighted rate method.
It is now possible to place a posting restriction on Accounts with overdraft and send chaser notice to customer by suit-
able configuration.
Users can now auto reset the dormancy status of an Accounts by triggering a qualified activity.
The ability of the system to archive outdated simulation records based on the parameter set up.
User exit routine can be defined (optional feature) in Periodic Attribute to return the list of arrange-
ments for Pricing Rule assessment.
Auto creation of AC.BALANCE.TYPE records at the time of creating a product group or rebuilding a
product Group.
System allows newly included properties to an existing Product to update the live Arrangements of the
Product.
Hand off the qualified AA activities to Customer Dormancy Monitor. The qualified activities (user and
system) defines or resets the Dormancy status for an AA Arrangement
Product Qualifier rules are rules aimed at assessing the state of an arrangement against the pre-
requisites of the Product and could result in another activity being triggered on the same arrangement
(such as Change Product or Close Arrangement).
Deposits
Retention of AZ account numbers for AD Arrangements
Enhancement ID: 2582475
• Bank users can now define their own balance types for external accounts.
• Users can perform a Balance Update activity or use FT application to update the user defined bal-
ance stored in the External Account.
Retail Accounts
Reverse and Replay on AR Products
Enhancement ID: 1948429
The standard AA Online Reverse and Replay functionality has now been suppressed for AR Products.
l Reverse and Replay as a result of qualifying back dated Transactions/Activities would now be triggered during
the following COB (in the EOD cycle)
o Whenever a backdated activity take place, the system supresses the online reverse and replay pro-
cessing
o System records the value date of the earliest backdated transactions
o During the COB the Reverse and Replay of all activities and outcomes are processed
As an extension a new adjustment has been introduced which would result in only the delta amount being posted
instead of the full amounts being reversed and rebooked.
Banks can send Account Statement to multiple owners of the same Account based on customer preferences.
Handling transactions, posted to Accounts with Non Sufficient funds, is configurable. Exception handling is configurable
and charges are applied based on decision made for the transaction, say Accept or Reject.
It is now possible to apply Interest on the utilized and unutilised portion of the limit using Arrangement Accounts.
Tier Calculation of Interest is possible in Level and Band for both Tier Amounts and Tier Percentage.
The ability to suspend the income recognition of an Overdraft Account that is in overdue status for a predefined number
of days.
Upgrading client can move their AC Accounts into the AA ecosystem along with retaining the AC account number during
takeover of an AR Arrangement.
Retail Bundle
Bundle Only and Bundle Fees
Enhancement ID: 2864646, 2864658
A Product that can only be offered as part of a Bundle can be flagged as “Bundle Only” at the Product designer level.
Any activity/transaction on an Arrangement created under such a Product would result in an Override being raised until
the Arrangement is attached to a Bundle.
Closure Property Class can be used to indicate the cooling period that allows pre-closure of a loan during its cooling
period by waiving or retaining the assessed Charges and Interest based set up.
Customers can agree for a fixed repayment amount as loan instalments to be paid on regular intervals. In such repay-
ments, certain component(s) (such as Interest and Charges) can be agreed, with the customer, to be invoiced fully.
The available holiday limit is replenished by the system whenever an excess payment is made in the
loan.
Preferential Pricing
Customer Relationship Pricing
Enhancement ID: 2438250
System is now enhanced to store related arrangements of a Customer, for Relationship Pricing purposes. There are
Rules defined for adding related arrangements of a Customer.
The Customer property class is enhanced with new fields to maintain all Accounts of related Customers.
Channel Pricing
Enhancement ID: 2438248
Banks can provide discounts or premiums on Interest and Charges for an arrangement, opened on a specific channel,
with flexibility.
Customer Relationship Pricing determines special pricing for Arrangements based on the factors such as aggregate bal-
ance, products owned or services subscribed by the house hold members.
l Regional Pricing offers special pricing policies based on the customer's location.
l Regional Availability restricts or enables availability of the Product in a specific location.
l Product availability can be based on the Line of Business such as Retail and Corporate.
Package Pricing
Enhancement ID: 2438249
Property Control
Enhancement ID: 2438249
The PROPERTY.CONTROL Property Class is used to suppress, replace, or merge the default Product Condition at the
arrangement level.
Pricing framework is now enhanced to evaluate pricing benefits to be given at assessment, accrual or after assessment
of the Interest or Charge. Benefits can either be itemised in required order (stacked) or restricted based on program
limits allowed.
The results of the rules run by the bank can now be stored separately and can be shared with the
bank’s customer or relationship manager. For example, ‘Minimum Balance’ rule applied on savings
account of customer.
Marketing exchange profit/loss can be calculated for the ND deals which are done with non-treasury customers.
A separate field has been introduced on SWAP.TYPE file to default category values for the Swap Type, if the trade type
is Hedge.
OC Clearing
Support for LEI/NCI Management
Enhancement ID: 2706548
The OC (OTC Clearing) module now supports the overall T24 solution for LEI/NCI Management and transaction con-
trol.
This functionality supports the overall framework changes that are done by Banking Framework for LEI/NCI Man-
agement and transaction control.
You can now create your own customised dashboard widget from the Blotter.
The Dashboard of Treasury Front Office now comes with default widgets for Money Market trades.
Treasury Front Office Dashboard now comes with default widgets for Forward Rate Agreement trades.
Treasury Front Office Dashboard now comes with default widgets for Swap deals.
Treasury Front Office Dashboard now comes with default widgets for Securities trades.
Treasury Front Office Dashboard now comes with pre-configured default widgets for REPO trades.
You can now capture margins on NDF trades done with non-treasury customers.
The Treasury exception workflow management functionality allows you to define customised exceptions workflows for
any event during deal capture.
The inbuilt exception management system raises exceptions to user-definable business rules and changes the trade
processing workflow for better risk management. For example, a trade entered by a junior dealer breaches the trans-
action size; in such an event, the trade moves to a senior dealers queue for authorisation before moving to the back
office for further trade processing.
You can now capture Bond and Equity trades in Treasury Front Office.
The Cashflow Position view displays the currency-wise cash inflows and outflows across user-configurable time buck-
ets.
The Nostro Summary view in TFO offers a currency wise consolidation of Nostro Accounts Balance for T+5 days.
The Overall Position view in TFO offers currency wise forex position with the breakdown of the position by Asset Liab-
ility, Spot, Forward and Net Position.
Swap Revaluation
Enhancement ID: 2583899
You can now view the revaluation position of your Swap trades. Treasury Front Office Swap Revaluation screen dis-
plays the revaluation position of Interest Rate Swap (IRS) and Currency Interest Rate Swap (CIRS) deals in separate
screens.
Security Position
Enhancement ID: 266992
User can now view the position of all the own book security trades. Treasury Front Office Security Pos-
ition screen displays the consolidated position of a security across all the own book portfolios.
Treasury Foundation
Keyboard Shortcuts
Enhancement ID: 2381431, 2381441
Users can now quickly access any screen with customisable keyboard shortcuts.
Trade Blotter
MM Events to Date
Enhancement ID: 2444451
MM Events to date displays snapshot of all trade events that the MM contract undergoes such as contract initiation,
amendments, contract maturity and rollovers.