LOANS

• Mortgage loans: creation of an internal competence center consisting of specialists with specific knowledge of the loan disbursement and administration and the management of strategic projects at major bank groups.
• Advances: realization of systems for the input, evaluation and administration of consumer loan applications that fully integrate front and back office services and make it possible for branches to monitor the progress and management of the process.
• Credit scoring and ratings: design and implementation of scoring systems for automatic risk classification by client thus permitting differentiated loan administration.
• Loans control panel: development of instruments for client decision-making and review designed to optimize the credit approval process.
• Collective investment management: design of solutions for collective investment management with a focus on retrieval and display by branches.

LEASING AND FACTORING

Development of solutions for the retrocession of transfer prices to the network by product companies, regulatory compliance (italian “Bersani Decree” transparency) and the management of reports to Puma2 and Crif.

PAYMENT SYSTEMS

• Traditional payment systems: projects relating to cheque, bills, portfolio and protested paper instruments (e.g., bankers’ drafts and bills of exchange) and protested electronic instruments (e.g., payment orders and direct debits).
• Electronic payment systems: realization of solutions that guarantee the uniformity of payment protocols for the generation of reports and summaries containing data retrieved from various subsystems.

INVESTMENT MANAGEMENT AND CUSTODY SERVICES

Development of solutions for investment management and custody services particularly with respect to proprietary investments in securities and custody services provided to external parties and discretionary investment portfolio management.

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COUNTER SERVICES

Participation in projects for the introduction of new retail banking services entailing the redesign of the relationship between bank and retail customer by offering solutions regarding organizational processes, the design and implementation of a new model of SOA architecture embodying advantages for both users and technicians (transaction processing and various new applications, ease of use, uniform GUI, customer focus).

FINANCE & INVESTMENT

Solutions for the needs analysis, investment planning and hedging strategies, operations management, profitability and advisor and tied-agent networks incentives as well as financial product sales.

MULTICHANNEL

Services relating to the addition of new distribution channels (telephone and internet banking, tied-agents' networks) with shared services and functions (authentication, user profiling, master data searches, current account balances, securities transactions, etc.).

CUSTOMER RELATIONSHIP MANAGEMENT

JEE platform business support services enabling customer relationship management to make full use of all bank applications and processes to which users have access based on function and channel. Platforms can be used either in remote or local mode.

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MARKETS IN FINANCIAL INSTRUMENTS DIRECTIVE (MiFID)

ObjectWay boasts specific functional, organizational and technical experience on trading and financial markets regulations and also has a range of products specifically developed for financial institutions. ObjectWay's team of specialists are consequently able to provide customers with support and guidance for compliance with the Directive.

BASEL II

ObjectWay has the functional and technological expertise required to help customers assure that their organizations and information systems meet Basel II requirements by supplying and implementing rating and scoring systems and standardizing data warehouses.

SINGLE EURO PAYMENTS AREA (SEPA)

ObjectWay has conducted important traditional and electronic payments projects and now focuses customer support on SEPA, which is required to be introduced by credit institutions and operators by the end of 2010 through the elimination of all commercial, legal and technological barriers restricting the flow of eurozone payments.

CORPORATE BANKING

Financial institutions' priorities include corporate banking systems for the provision of interbank services. These projects entail technological and functional reorganization and compliance with the technical and regulatory standards of Interbank Corporate Banking. ObjectWay has the expertise and experience to assist customers in the reorganization of interbank communications processes.

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