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SMU tBank User Guide

Version 0.4

13th

November 2014

SMU School of Information Systems (SIS)

SMU tBank User’s Guide �

Table of Content 1. Version History .................................................................................................................................. 4 2. Overview ............................................................................................................................................. 5

2.1 SMU Teaching Bank ........................................................................................................................ 5 2.2 What is Currently Deployed ............................................................................................................. 6 2.3 PC/Mobile Prerequisites ................................................................................................................... 7 2.4 How to Access the Applications ....................................................................................................... 8 2.5 Who to Contact for Support.............................................................................................................. 8

3. Retail Branch Teller ........................................................................................................................... 9 3.1 How to Login.................................................................................................................................... 9 3.2 Teller Admin .................................................................................................................................. 10 3.3 Create a New Customer .................................................................................................................. 11 3.4 Maintain an Existing Customer ...................................................................................................... 12 3.5 Create Deposit Account .................................................................................................................. 13 3.6 View/Update Deposit Accounts ..................................................................................................... 13 3.7 Create Loan Account ...................................................................................................................... 14 3.8 View/Update Loan Accounts.......................................................................................................... 16 3.9 Make Deposit ................................................................................................................................. 16 3.10 Make Withdrawal ........................................................................................................................... 17 3.11 Make Bill Payment ......................................................................................................................... 17 3.12 Make Partial Loan Repayment ....................................................................................................... 17 3.13 Make Full Loan Repayment ........................................................................................................... 19 3.14 View Transaction History ............................................................................................................... 19 3.15 Direct Debit Authorization ............................................................................................................. 20 3.16 Credit Approval Simulation ........................................................................................................... 20

4. Retail Internet Banking .................................................................................................................... 22 4.1 Home Page ..................................................................................................................................... 22 4.2 How to Login.................................................................................................................................. 22

4.2.1 SMS OTP ............................................................................................................................................ 22 4.2.2 Mobile 2FA ......................................................................................................................................... 23

4.3 My Dashboard ................................................................................................................................ 25 4.4 View Deposit Account ................................................................................................................... 25 4.5 View Account Statement ................................................................................................................ 26 4.6 View Loan Account ........................................................................................................................ 26 4.7 Make Loan Repayment ................................................................................................................... 27 4.8 Apply for a Loan ............................................................................................................................ 28 4.9 Fund Transfer ................................................................................................................................. 30

4.9.1 Fund Transfer to My Accounts ........................................................................................................... 31 4.9.2 Fund Transfer to Other Accounts ........................................................................................................ 33 4.9.3 Setup Standing Instruction .................................................................................................................. 33 4.9.4 Make Bill Payment ............................................................................................................................. 34 4.9.5 Setup GIRO Arrangement ................................................................................................................... 35

4.10 Print Mobile 2FA QR Code ............................................................................................................ 36 4.11 Setup Notification Settings ............................................................................................................. 37 4.12 Update Contact Details ................................................................................................................... 38 4.13 Setup Preferences (Interests) For Real-time Offers ........................................................................ 38

5. Retail Mobile Banking ...................................................................................................................... 40 5.1 How to Download the App ............................................................................................................. 40 5.2 How to Login.................................................................................................................................. 40 5.3 Account Summary .......................................................................................................................... 40 5.4 Transaction History ........................................................................................................................ 41 5.5 Loan Details ................................................................................................................................... 41 5.6 Term Deposit (TD) Details ............................................................................................................. 41 5.7 Loan Calculator / Manage Loans .................................................................................................... 42 5.8 Bill Payment / GIRO ...................................................................................................................... 42 5.9 Fund Transfer / QuikPay ................................................................................................................ 43



5.9.1 QuikPay Recipient .............................................................................................................................. 44 5.9.2 QuikPay Sender .................................................................................................................................. 44

5.10 My Offers ....................................................................................................................................... 45 6. ATM Network Management ............................................................................................................. 46

6.1 How to Login.................................................................................................................................. 46 6.2 ATM Network Management Dashboard ........................................................................................ 46 6.3 Create ATM .................................................................................................................................... 47 6.4 Download ATM Setup File ............................................................................................................ 47 6.5 ATM Status Indicator ..................................................................................................................... 48 6.6 ATM Inventory Monitoring ........................................................................................................... 48 6.7 ATM Top-Up Forecasting .............................................................................................................. 49 6.8 ATM Location Planning ................................................................................................................. 50 6.9 ATM Usage Statistics ..................................................................................................................... 50

7. ATM Simulator .................................................................................................................................. 51 7.1 Starting Up ATM Simulator ........................................................................................................... 51 7.2 ATM Customer Login .................................................................................................................... 51 7.3 ATM Cash Withdrawal .................................................................................................................. 52 7.4 ATM Balance Inquiry..................................................................................................................... 53 7.5 ATM Fund Transfer ....................................................................................................................... 54 7.6 ATM Bill Payment ......................................................................................................................... 54 7.7 ATM Update Info ........................................................................................................................... 54 7.8 ATM Top-Up ................................................................................................................................. 55

8. POS Simulator .................................................................................................................................. 57 8.1 Placeholder ..................................................................................................................................... 57

9. Bank Administration ........................................................................................................................ 58 9.1 Placeholder ..................................................................................................................................... 58



1. Version History

Version Description of Changes Author Date

V 0.1 Created, with Retail Branch Teller only Alan Megargel 28 August 2014

V 0.2 Added section on Retail Internet Banking Alan Megargel 31 August 2014

V 0.3 Added section on Retail Mobile Banking Alan Megargel 8 September 2014

V 0.4 Added section on ATM Alan Megargel 13 November 2014



2. Overview

2.1 SMU Teaching Bank

SMU has embarked on a multiyear programme entitled “SMU Bank for Financial Services Education”, referred to as “SMU Teaching Bank“ (or “SMU tBank”). Starting from a clean sheet, we are building a “teaching bank” from the ground up, using today’s architecture best practices. Mission Statement “The mission of SMU tBank is to become a world class ‘teaching bank’, generating an on-going supply of undergrad and postgrad student projects whereby classroom learning outcomes can be put into practice, leveraging industry leading banking software and enterprise platforms.” Guiding Principles 1. SMU tBank shall exist for academic purposes only, to support banking related coursework,

labs, and student projects.

2. SMU tBank shall align to, and inform, SMU’s Unified Banking Process Framework. 3. SMU tBank shall be assembled using a mixture of vendor products, in order to demonstrate

real world large-scale change scenarios, for example:

o A core banking system replacement o A bank merger, whereby multiple vendor products need to coexist

4. SMU tBank shall be a platform for collaboration with banks, product vendors and other

academic institutions, for incubating new innovations.

Conceptual Model SMU has acquired several off-the-shelf banking products over the years from leading software vendors, in order to support hands-on labs for both post-grad and undergrad courses. SMU also uses leading middleware products to support some of its undergrad core technology courses. SMU tBank is then assembled leveraging this mix of vendor software into a flexible service-oriented-architecture, and student projects then develop banking applications that consume reusable services. Benefits of Building SMU tBank - SMU tBank uses banking software that is developed by students. Students that develop the

SMU tBank gain a deep technical understanding of how a bank works. As well as gaining banking domain knowledge, students will benefit from implementing industry best practices in enterprise architecture. Note: We believe that we are the only University in the world that is going to the extent of actually building a bank, for teaching purposes.

Benefits of Using SMU tBank In the classroom, the labs are useful under 3 main contexts. - Retail Banking – Students use SMU tBank to learn banking processes such as; account

opening, credit evaluation, loan repayments, fund transfers, foreign exchange, standing instructions, GIRO, mobile payments, Two-Factor-Authentication, ATM network management, real-time customer specific promotion offers. Lab questions assess the students understanding of both bank processes as well as financial accounting.

- Enterprise Integration – Students use SMU tBank to learn integration technologies such as; Message-Oriented-Middleware, and Service-Oriented-Architecture. Labs exercises include; building integration components that allow different applications in the bank to communicate,



and drill-down visualizations of what is actually happen in the integration layer when a fund transfer is executed, for example.

- Architectural Analysis – Students use a “lite” version of SMU tBank which is deployed on

their laptops, to demonstrate their understanding of 3 main architecture principles; “resiliency” (ability to failover to a standby system), “concurrency” (handling large number of users), and “performance” (response time of the application).

Research Areas Anchored around the implementation of SMU tBank, we have spun off a few areas of research, described briefly as follows:

- Enterprise Architecture in Banking – Covers EA best practices in a banking context;

alignment to business strategy, EA frameworks and tools, banking industry information models, enterprise platforms (SOA, BPM, BRMS, MDM, EDW), EA principles and design patterns, EA blueprints and roadmaps. Case studies on EA practices in banking. Case study on SMU tBank.

- In-Memory Data Grid Use Cases in Banking – Covers performance improvements of data caching, eg; characterization of response times with and without a data cache in front of the core banking system, and the resulting impact on customer satisfaction. Also covers the economics of caching data in front of the core banking system, eg; the cost saving in MIPS incurred on mainframe systems. Covers how massive-scale in-memory data grid technology is used to enable real-time cross-sell to banking customers, eg; next best offers pending in memory, triggered on the next customer interaction. Covers real-time fraud detection.

- Core Banking System Replacement – Covers the scenario where a core banking system is replaced, eg; Oracle Flexcube is replaced with Infosys Finacle. The transition from one system to the other can be done with minimum impact to banking channel applications, by using a flexible service oriented architecture. Using SMU tBank as a test bed, specific scenarios can be trialed in conjunction with actual banks in Singapore that want to participate in the study.

- Bank Mergers: Technology Migration or Coexistence – Covers the scenario whereby one

bank acquires another, and the combined bank needs to make decisions about which technology to keep or discard, and which technologies can coexist. The coexistence of different technologies across the two banks can be achieved with minimal impact to banking channels, by using a flexible enterprise platforms such as; SOA, BPM, BRMS, and MDM. Using SMU tBank as a test bed, specific scenarios can be trialed in conjunction with actual banks in Singapore that want to participate in the study.

- Banking Industry Information Model – Covers the adoption of the Banking Industry

Architecture Network (BIAN) Service Landscape as the enterprise data model for SMU tBank. The study will demonstrate, in actual practice, how an industry model can inform and optimize the decomposition of banking processes into reusable services.

2.2 What is Currently Deployed

Phase 1 - Retail Banking Channels Phase 1 has been deployed and is available for use by any academic institution authorized under license agreement with SMU. In total there are 4 retail channels deployed, including; Branch Teller, Retail Internet Banking, Retail Mobile Banking, and ATM (including ATM Network Manager). This is a fully functioning online bank, used for academic purposes only. The retail banking features supported are illustrated in Figure 2.1 below.



Figure 2.2 – Retail Banking Channels

Phase 2 - Corporate Banking Channels Phase 2 is due to be deployed in the year 2015. Corporate Banking Channels to be supported include; Corporate Lending, Cash Management & Payments, Trade Finance, and Treasury (including Forex Trading). Phase 3 – Bank Management Phase 3 is due to be deployed in the year 2016. Bank Management functions to be supported include; General Ledger, Financial Statements Reporting, MIS Reporting, Regulatory Reporting, and Customer Analytics.

2.3 PC/Mobile Prerequisites

In order to run all of the tBank applications, the user’s PC/mobile should have the following minimum software configuration: 1. PC Operating System – Windows 7 2. PC Java Runtime Environment (JRE) 7 3. PC Browser

a. IE 10.x b. Google Chrome 27.0 (Recommended) c. Firefox 21.x

4. Mobile Phone a. Android 2.3x b. iOS 7.x

5. Mobile QR Code Reader a. QR Reader for Android b. QR Reader for iPhone



2.4 How to Access the Applications

The SMU tBank applications can be accessed at the following URL:

http://tbankonline.com/

From the home page, there are links to the Retail Banking Channels as well as supporting documents and tutorials.

2.5 Who to Contact for Support

For support, please contact: [email protected]

http://tbankonline.com/

mailto:[email protected]



3. Retail Branch Teller

3.1 How to Login

From the tbankonline.com home page, click on the “Retail Branch Teller” link. Login in to the Teller home page using your login ID’s provided. Banks (schools) that are setup for the first time, will be given 1 administrator login ID via email. Please do not distribute this administrator ID to students.

Figure 3.1a – Teller Login

Figure 3.1b – Teller logged in as Administrator



Figure 3.2 shows the Teller logged in as administrator. When logged in as administrator, there is an extra green colour button in the upper right hand corner labelled “Admin Control”. This is the only distinction between an admin user and a non-admin user.

3.2 Teller Admin

When logged in as administrator, for the Teller home page, click on the green colour button labelled “Admin Control”.

Figure 3.2 – Teller Admin

Figure 3.3 shows the Teller Admin page. Here, the administrator can add, edit, or delete users. There are 3 user types, as shown in Table 3.1.

User Role User Privileges

Teller Add customers. (This is the only way to add tBank customers.)

Maintain customer accounts, eg; create deposit / loan accounts

Perform transactions, eg; Bill Payment, GIRO Authorization

Run credit approval simulation

ATM Add ATM machines into the ATM network

Monitor ATM usage

Forecast ATM top up schedule

Forecast next ATM location

Download ATM simulator (to run on PC) Note: Even though this is the Teller application, this is where ATM Network Manager user ID’s are created.

Admin Teller privileges (see above)

Admin privileges, to; add, edit, or delete users. Table 3.2 – User Privileges

To add a new user, click on the green colour button labelled “Add New User”. To edit an existing user, for example to change the password, click on the blue colour “Edit” button. To delete a user, click on the red colour “Delete” button.



3.3 Create a New Customer

From the Teller home page, click on “New Customer”. Enter the required details into all of the fields. Optional fields are indicated.

The most important fields are “Mobile Number” and “Email”, as those are needed for automated communications to the customer.

Mobile Number is especially critical because SMS is used for 2FA (two-factor-authentication) into both the retail internet banking as well as the ATM simulator.

Another important field in “Date of Birth”, as age is factored in to the credit approval rules.

“Identification No” is used to login to the ATM simulator.

“Customer Type” should be “RETAIL”.

Figure 3.3a – Create new customer

Once the new customer’s details are entered in successfully, the Teller will be prompted to enter the customer’s Login ID and PIN number which are used to login to the Internet Banking application. A suggestion here, would be to swing the screen around and let the customer enter in their PIN number.

Figure 3.3b – PIN number entry



3.4 Maintain an Existing Customer

From the Teller home page, click on “Existing Customer”. A prompt will appear as shown in Figure 3.6. The default search mode is by “NRIC/ID” number, so here the Teller can either key in the customers IC# or scan the barcode on the bank of the IC card using a barcode scanner. Alternatively, the Teller can click on “Customer ID” and enter in the customer’s Customer ID if it is known. (The customer can obtain their Customer ID from their Retail Internet Banking - Profile Settings page.)

Figure 3.4a – Search Existing Customer

Once the customer record is found, the Customer Overview page will be displayed as in Figure 3.7. This is the main page by where all customer account maintenance and over the counter transactions are made. From here, the Teller can; view/update a customer’s details, create new deposit accounts, create new loan accounts, make an over the counter cash deposit or withdrawal, make a bill payment, set up a GIRO arrangement (Direct Debit Authorization), make a partial or full loan repayment, or view transaction history. Under “Tools”, there is a “Credit Approval Simulator” which will be covered later.

Figure 3.4b – Customer Overview



3.5 Create Deposit Account

From the Customer Overview page, select “Create Deposit Account” from the menu. There are 2 types of deposit accounts; CASA (Current And Savings Account) or TD (Term Deposit). The parameters for each type of product will be automatically set according to the product selection. Important points to note:

The Initial Deposit amount for CASA and TD are $1,000 and $20,000 respectively.

A deposit account can be created for any currency by selecting any available currency from the “Currency” selector.

For CASA accounts, there is a check box labelled “Make Default Account”. If this is the customer’s first CASA account, then the system will automatically set it as the default account. For subsequent CASA accounts, the checkbox provides an option to make it the new default account. There can only be one default account. (Note: the default account is always displayed first at the ATM machine.)

A customer MUST have CASA account before they can have any loan account. This is because the loan account will use a CASA account as the settlement account for loan instalments.

Figure 3.5 – New Deposit Account

3.6 View/Update Deposit Accounts

From the Customer Overview page, select “View/Update Deposit Accounts” from the menu. A list of deposit accounts will be shown, with the default CASA account appearing on top.

Figure 3.6a – Deposit Account Selector



Select the desired account from the account selector, and the “Update Deposit Account” page will appear. Some important points to note:

Deposit accounts are interest bearing accounts. When a deposit account is created, the account itself becomes the interest pay out account. The interest pay out account can be changed to another CASA account by using the “Interest Payout Acc” selector.

Similarly to the above, the fee deduction account can be changed by using the “Fee Deduction Account” selector.

The account can be set as the default account by using the “Make Default Account” checkbox. All other checkboxes are not yet implemented, and will be defined in a future release.

Figure 3.6b – Update Deposit Account

3.7 Create Loan Account

From the Customer Overview page, select “Create a Loan” from the menu. There are 3 types of loan accounts; Home Loan, Education Loan, and Auto Loan. The parameters for each type of product will be automatically set according to the product selection. Important points to note:

Max Loan to Value (LTV) Ratio is a parameter that applies to both Home Loan and Auto Loan. The Loan Amount cannot exceed the Asset Value x Max LTV Ratio. For example if the Max LTV Ratio for a Home Loan is 0.8, then the Loan Amount cannot exceed $800,000 for a home with an Asset Value of $1,000,000.

The Loan Term (Months) is always in units of months, eg; a value of 240 months would be set for a 20 year term loan.

The Settlement Account (or loan servicing account) can be set by using the “Settlement Account” selector.

Similarly to the above, the fee deduction account can be set by using the “Fee Deduction Account” selector.

The field labelled “Title” should be set to a Title ID Number (as in “000123”) that identifies the asset, or a description, eg; “Rosewood Condo” or “Volvo”.



Figure 3.7a – New Loan Account

When all of the loan details are submitted under the “New Loan Account” page, a popup will be displayed prompting the Teller to enter further information about the customer required for credit approval, eg; job status, residency status. After submitting this information, an automated scoring engine will run and reply back with the status of “Credit Approval Approved” or “Credit Approval Rejected. If the credit approval is rejected, the Teller will be given the option to override this by clicking “Manually Approve Loan”. If the Teller decides not to manually approve the loan, then the loan account will be permanently set to “Closed” status.

Figure 3.7b – Credit Approval

Note: The credit scoring engine takes into account 9 different factors including; age, annual income, income to payment ratio, job stability, residency stability, and credit history.



3.8 View/Update Loan Accounts

From the Customer Overview page, select “View/Update Loan Accounts” from the menu. A list of loan accounts will be shown. Select the desired account from the account selector, and the “Update Deposit Account” page will appear.

Figure 3.8 – Update Loan Account

Important points to note:

The Settlement Account (or loan servicing account) can be changed by using the “Settlement Account” selector.

Similarly to the above, the fee deduction account can be changed by using the “Fee Deduction Account” selector.

3.9 Make Deposit

From the Customer Overview page, select “Make Deposit” from the menu. Select the desired CASA account in the “Account To” field. The default CASA account will be pre-selected. Enter the “Amount”. All other fields are optional. If for example, the customer’s deposit were via cheque, then enter “Cheque” in the “Payment Mode” field, and enter the cheque number in the “Transaction Reference” field.

Figure 3.9 – Make Deposit



3.10 Make Withdrawal

From the Customer Overview page, select “Make Withdrawal” from the menu. Select the desired CASA account in the “Account From” field. The default CASA account will be pre-selected. Enter the “Amount”. All other fields are optional. If for example, the customer’s withdrawal is via cashier’s cheque, then enter “Cashier’s Cheque” in the “Payment Mode” field, and enter the cheque number in the “Transaction Reference” field.

Figure 3.10 – Make Deposit

3.11 Make Bill Payment

From the Customer Overview page, select “Make Bill Payment” from the menu. Select the desired CASA account in the “Account From” field. The default CASA account will be pre-selected. Select the Billing Organization in the “Account To” field. Enter the “Amount”. All other fields are optional. If for example, the customer wants to pay their SingTel bill, then enter their SingTel billing reference number in the “Transaction Reference” field.

Figure 3.11 – Make Bill Payment

3.12 Make Partial Loan Repayment

From the Customer Overview page, select “Repay Loan Partial” from the menu. Select the desired loan account to repay in the “Account To” field. Enter the repayment amount into the “Amount to be paid” field. If the settlement account has insufficient balance to cover the repayment, then the field will be highlighted. There are 2 modes for making a partial loan repayment; a) Keep maturity date, which will result in a new monthly instalment amount, and b) Don’t keep maturity date, which results in a new maturity date and no change to the monthly instalment amount. To toggle between the 2 modes, click on the “Keep Maturity Date” checkbox. All other fields are optional.



Figure 3.12a – Make Partial Loan Repayment, Keep Maturity Date

After clicking “Proceed to Calculate”, a confirmation popup will appear, indicating the Old and New loan details. The Teller may click on “Make Partial Repayment” to confirm the repayment, or “Cancel” to abort the repayment. Figure 3.17 shows the example of the “Keep Maturity Date” mode, resulting in a new monthly instalment amount.

Figure 3.12b – Partial Loan Repayment, Keep Maturity Date



3.13 Make Full Loan Repayment

From the Customer Overview page, select “Repay Loan Full” from the menu. Select the desired loan account to repay in the “Account To” field. The “Total Amount” field is automatically populated with the full repayment amount including the penalty fee. If the settlement account has insufficient balance to cover the repayment, then the field will be highlighted.

Figure 3.13 – Make Full Loan Repayment

3.14 View Transaction History

From the Customer Overview page, select “Transaction History” from the menu. Select the desired account to view in the “Account Number” field, and select the date range.

Figure 3.14 – View Transaction History



The transaction history of any account type can be viewed, including all deposit account types and all loan account types. Based on the start and end date of the search, a graph is presented that shows the balance of the account across a timeline. Each transaction is plotted on the chart as a dot, and the user can view the details of the transaction by mouse-ing over the dot. The transactions are listed below the graph in reverse chronological order with the most recent transaction on top. Filters for 4 different transaction type groups are provided to enable the user to show or hide the transaction type groups.

3.15 Direct Debit Authorization

From the Customer Overview page, select “Direct Debit Authorization” from the menu. This links a Billing Organization’s account to the customer’s account, authorizing the bank to automatically deduct the bill amount from the customer’s account and credit this same amount to the billing organizations account. In Singapore, another name for this banking service is called “GIRO”. Once a month, the billing organization will send a batch of direct debit instructions (to debit their customer’s account for the bill amount) via a clearing house. The clearing house then sorts the instructions by bank, and sends the batch to the respective banks for processing.

Figure 3.15 – View Transaction History

3.16 Credit Approval Simulation

From the Customer Overview page, select “Credit Approval Simulation” from the menu. This feature is not directly used to fulfil a customer transaction, and would not be a feature provided in a commercial Branch Teller system. Rather it is a tool for testing the credit approval scoring model, a function that would normally be done by the Credit Risk Management department of the bank. The tBank Branch Teller application does however make credit decisions automatically based on this underlying credit scoring model, and the feature is included here as a teaching tool. This Credit Approval Simulation tool is covered in detail in a separate user guide.



Figure 3.16a – Credit Approval Simulation

Note: Running this simulation is resource intensive, and therefore the “No of Profiles” field should be set to a low number. A value of 10 takes about 5 seconds to run. Under the “Data Input” section, the user can experiment with different settings to in effect “tune” the model. The objective is to achieve the optimal percentage of “Passed”, “Failed”, and “Pending” loan credit approvals. After each run, the user can view the results for each individual simulated profile, which includes the generated score for each rule type. Note: Changing the rules does not change the baseline credit scoring model used by the Branch Teller application, so it is safe to experiment.

Figure 3.16b – Credit Approval Simulation Result



4. Retail Internet Banking

4.1 Home Page

From the tbankonline.com home page, click on the “Retail Internet Banking” link. Before logging in for the first time, take the time to download the mobile app. Using the QR Reading scanner (see the section on PC/Mobile Prerequisites), scan the QR code on the home page and follow the instructions to download the mobile app.

Figure 4.1 – Retail Internet Banking Home Page

4.2 How to Login

Enter the customer’s LoginID (Username) and PIN that were created using the Retail Branch Teller during the customer creation step. (See section Create a New Customer.) There are two forms of Two-Factor-Authentication supported:

1. LOGIN with SMS OTP (one time password) 2. LOGIN with MOBILE 2FA

4.2.1 SMS OTP

If this is the customer’s initial login, then only option (1) can be used at this time. Click on “LOGIN with SMS OTP”. An SMS message will be sent to the customer’s phone, containing a 6 digit 2FA number. Example message: “This is your second factor pin number: 109562”

A page will appear, prompting the customer to key in the 6 digit code:



Figure 4.2.1 – SMS OPT Entry

4.2.2 Mobile 2FA

If the customer has already installed the mobile app, and also printed out their unique 2FA QR code, (See section Print Mobile 2FA QR Code), then option (2) can be used. Click on “LOGIN with MOBILE 2FA”. A page will appear, prompting the customer to scan a Mobile 2FA QR Code, as shown in Figure 4.3.

Figure 4.2.2a – Mobile 2FA QR Code

On the mobile app login page, click on “IB Mobile 2FA Authentication”, as shown in Figure 4.3b. The mobile app will then prompt the customer to “Launch” the scanner to scan the QR code displayed on the computer screen, as shown in Figure 4.3c. After scanning the QR code on the computer screen, the mobile app will then prompt the user to “Launch” the scanner to scan the Personal 2FA QR Code, as shown in Figure 4.3d. After scanning the Personal 2FA QR Code, shown in Figure 4.3e, then the customer will be logged into the Retail Internet Banking application. Note: This feature is a useful alternative to SMS OTP, in the case where the customer is overseas and there is a lag in the SMS response time, or to avoid the higher overseas charges for SMS.



Figure 4.2.2b – Mobile Login Page Figure 4.2.2c – Scan QR Code on PC screen

Figure 4.2.2d – Scan Personal 2FA QR Code Figure 4.2.2e – Personal 2FA QR Code



4.3 My Dashboard

After logging in, the customer’s Dashboard is shown including; a line chart graph showing the last 6 months balances of all deposit accounts, and a pie chart showing the overall distribution of deposit and loan account balances.

Figure 4.3 – Retail Internet Banking Dashboard

Both graphs are active. Mousing over or clicking on any of the points will drill down to more details. Balances are normalized to the bank’s base currency.

4.4 View Deposit Account

Click the “View Account” tab at the top of the page. Expand the section below labelled “Deposit Accounts”. Select an account to view. Select sorting a option: “Current month”, “Last 1 month”, “Last 2 months”. Transaction history is shown, in reverse chronological order.



Figure 4.4 – View Deposit Account

4.5 View Account Statement

Click the “View Account” tab at the top of the page. Expand the section below labelled “Deposit Accounts”. Select an account to view. In the “Account Statement” field, select the desired month from the date picker, and then click “VIEW ACCOUNT STATEMENT. Print the statement.

Figure 4.5 – View Account Statement

4.6 View Loan Account

Click the “View Account” tab at the top of the page. Expand the section below labelled “Loan Accounts”. Select an account to view. The loan details are shown. From here, the customer can make a loan repayment by clicking on “Repayment Options”.



Figure 4.6 – View Loan Account

4.7 Make Loan Repayment

Click the “View Account” tab at the top of the page. Expand the section below labelled “Loan Accounts”. Select an account to view. Click on “Repayment Options”.

Figure 4.7 – Make Loan Repayment

Select the “Repayment Type” as either “PARTIAL” or “FULL”. If “PARTIAL” is selected, then select the “Keep Maturity Date” option as YES or NO, and enter the “Repayment Amount”. Figure 4.7 shows the example of a partial loan repayment. The 3 bar charts show the calculated balance, interest, and instalment amounts before and after the repayment is made. If the loan’s



settlement account balance is indicated as sufficient to make the repayment, then click on “MAKE REPAYMENT”.

4.8 Apply for a Loan

Click the “Manage Loans” tab at the top of the page, and then click on “Create Loan”.

Figure 4.8a – Manage Loans

Select the “Loan Type”, enter the “Loan Amount”, and the “Loan Term” (in months), and then click on “Calculate”. Re-calculate if with different parameters if needed, and then click “Apply Loan”.

Figure 4.8b – New Loan

A popup will be shown, prompting the customer to enter; a) the title of the loan which can be a number (eg; 000123) or the name of the property, eg; “Parkview Condo”, and b) the asset value, eg; the sale price of the property. Note: The max loan to value ratio is verified.



Figure 4.8c – New Loan Details

Once the customer clicks on “CONTINUE”, the RM Appointment Calendar pops up. Navigate the calendar and double-click on the desired timeslot. Click on “CONFIRM”, and the loan is then created and set to “Pending” status until the customer visits the branch to meet the RM and the scheduled appointment. The customer can review or change their appointments at anytime, by clicking on “Manage Loans” and then “Appointments”.

Figure 4.8d – Schedule meeting with RM

The loan is created in the system, but in “Pending” status. To confirm this, click on “View Accounts”, expend the section labelled “Loan Accounts”, and scroll down to the newly created account. The new account will have the word “Pending” in red colour labelling the left side of the row. The customer is then expected to visit the RM at the scheduled meeting time, and submit documents to support the credit evaluation, eg; proof of employment, proof of income, proof of residency, etc..



Figure 4.8e – Loan Pending Approval in Retail Internet Banking

The RM will use the Retail Branch Teller application to perform the credit approval step on the loan “Pending” for approval, using the View/Update Loan Accounts feature. In the list of loan accounts for the customer, the RM will click on the new loan item with a status of “Pending”. A popup will be displayed to enter further information supporting the credit evaluation, the loan is either automatically approved if the credit scoring passes, otherwise the RM can manually approve the loan.

Figure 4.8f – Loan Pending Approval in Retail Branch Teller

4.9 Fund Transfer

Click the “Fund Transfer” tab at the top of the page. There are 3 types of fund transfers that the customer can make:

1. Fund Transfer to “My Accounts” 2. Fund Transfer to “Other Accounts” (including fund transfer to other banks/schools) 3. Setup Standing Instruction 4. Fund Transfer to a “Billing Organization” (Bill Payment) 5. Setup GIRO Arrangement



Figure 4.9 – Fund Transfer Main Page

4.9.1 Fund Transfer to My Accounts

Click the “Fund Transfer” tab at the top of the page, and then click on “My Accounts”. Select one or more accounts from the list of My Accounts. Figure 4.15 shows the selection of a HKD account, in order to demonstrate a foreign exchange in this example.

Figure 4.9.1a – Selecting My Account to send to



Select the “Account From” and the “Amount” to send. Figure 4.16 shows the selection of an SGD account, in order to demonstrate a foreign exchange in this example. Select “Transfer Type” from the following list of options:

1. Immediate - send a single transfer immediately 2. Future - send a single transfer at a set future date and time 3. Weekly - set up a standing instruction to send an amount weekly 4. Monthly - set up a standing instruction to send an amount monthly

Figure 4.16 sets up an “Immediate” fund transfer. Click “Submit” to execute the transfer.

Figure 4.9.1b – Selecting My Account to send from

Viewing the transaction history for both accounts, the SGD account is debited the amount in SGD and the HKD account is credited the amount in HKD, as shown in Figures 4.17-18.

Figure 4.9.1c – Selecting My Account to send from

Figure 4.9.1d – Selecting My Account to send from



4.9.2 Fund Transfer to Other Accounts

Click the “Fund Transfer” tab at the top of the page, and click on “Other Accounts”. If the desired beneficiary is not shown in the list, then click on “ADD PAYEE”. Enter the Payee’s name and their CASA Account Number.

Figure 4.9.2 – Add Beneficiary (Payee)

4.9.3 Setup Standing Instruction

After selecting the “Payee”, select the “From Account”, set the “Transfer Type” as “Monthly”, and enter a comment in the “Description Field”. Select the “Transfer Start Date” using the date picker, and enter the “Transfer Time” of day. Click “Submit”.

Figure 4.9.3a – Setup Standing Instruction



The new entry now appears in the list of “Standing Instructions” on the right. Standing instructions can be edited or cancelled at any time.

Figure 4.9.3b – Standing Instruction Setup Complete

4.9.4 Make Bill Payment

Click the “Fund Transfer” tab at the top of the page, and then click on “Billing Organization”. Select a billing organization from the list.

Figure 4.9.4a – Select Billing Organization



Select the “From Account”, select the “Transfer Type” as “Immediate”, enter the “Amount” of the bill, and enter the “Invoice No.” from the bill. Click “Submit” to execute the payment.

Figure 4.9.4b – Make Bill Payment

The account’s transaction history will now be reflected in the CASA Account’s Transaction History, with the description including the name of the billing organization, and the Ref: (Invoice Number) of the customer’s bill.

Figure 4.9.4c – Bill Payment Reflected in Transaction History

4.9.5 Setup GIRO Arrangement

Click the “Fund Transfer” tab at the top of the page, and then click on “Billing Organization”. Select a billing organization from the list. Select the “From Account”, and select the “Transfer Type” as “GIRO”. Click “Submit” to complete the GIRO setup. The new entry will appear on the right under “GIRO Authorizations”. GIRO Authorization can be removed at any time.



Figure 4.9.5 – Setup GIRO Arrangement

4.10 Print Mobile 2FA QR Code

The Mobile 2FA QR Code is necessary for logging in to the Retail Mobile Banking application. It is also an alternate method of logging in to the Retail Internet Banking as explained in the section on Mobile 2FA. Click the “Profile Settings” tab at the top of the page, and then click on “Login Settings” on the right. Then click on “Generate New Mobile 2FA”.

Figure 4.10a - Login Settings



A QR Code will be generated and displayed, ready for printing. Click on “Print” or type <CTRL><P> to print the QR Code. As a suggestion, the QR Code can be cut out and laminated, to make the QR code last longer, otherwise the graphic can become degraded and hard to scan.

Figure 4.10b – Print 2FA QR Code

4.11 Setup Notification Settings

Click the “Profile Settings” tab at the top of the page, and then click on “Notification Settings”. The customer can select how they want to receive various types of notification, for example, the “Promotions” setting determines how real-time offers are sent to the customer.

Figure 4.11 – Notification Settings



The “trigger alerts” section allows the customer to setup trigger limits for each account, as well as the mode of notification; Email and/or SMS. There are 3 “Trigger Types” which are as follows:

1. Transaction 2. Balance 3. Daily Limit

The example in Figure 4.27 shows a “Transaction” trigger setup for the amount of $50, such that if the customer makes any transaction greater than $50 on the given Account then he/she will receive both an Email and an SMS notifications. A similar trigger can be setup for “Balance”, such that if the balance of the given Account falls below the set amount, then the customer will receive a notification. The “Daily Limit” setting for the given Account will ensure that the sum total of all transactions within a day do not exceed the set amount.

4.12 Update Contact Details

Click the “Profile Settings” tab at the top of the page, and then click on “Contact Details”. The customer can change their email address or mobile number here. The mobile number is important because the phone is needed for SMS OPT login, alerts and notifications, as well as real-time offers.

Figure 4.12 – Contact Details

4.13 Setup Preferences (Interests) For Real-time Offers

Click the “Profile Settings” tab at the top of the page, and then click on “Customer Preferences”. The customer can select as many “Interests” as they like. In doing so, they are in essence signing up to receive real-time offers. Let say for example the Bank has a merchant tie-in with Coffee Bean, and the customer selects “Coffee” as an interest. Whenever Coffee Bean launches a Promotion, let say offering15% discount, and the customer makes a purchase at Coffee Bean at the POS (point of sales) terminal, then the customer will receive an SMS with the offer coupon offering 15% discount with the next purchase. The offer coupon can also be retrieved by the Retail Mobile Banking app, for redemption at the merchant. Note: The real-time offers engine is in place now. In a future release, a “Decision Manager” will be made available, which will enable the Bank’s marketing team to easily set up new promotions, and to set up the rules (eg; age, gender, income level) that trigger real-time offers to customers.



Figure 4.13 – Customer Preferences (Interests)



5. Retail Mobile Banking

5.1 How to Download the App

The Retail Mobile Banking app can be downloaded via the Retail Internet Banking home page. Using the QR Reading scanner (see the section on PC/Mobile Prerequisites), scan the QR code on the home page and follow the instructions to download the mobile app.

5.2 How to Login

On the Retail Mobile Banking home page, enter the customer’s LoginID (Username) and PIN that were created using the Retail Branch Teller during the customer creation step. (See section Create a New Customer.) Then click the “Login” button. The QR code scanner will turn on. Scan the customer’s Personal 2FA QR Code. (See section Print 2FA QR Code.) The Mobile Home Page will then be shown, as in Figure 5.2.

Figure 5.2a – Mobile Login Page Figure 5.2b – Mobile Home Page

5.3 Account Summary

From the Mobile Home Page, click on “Account Summary”. A list of all the customer’s accounts will be displayed along with their current balances, as shown on Figure 5.3. This includes all types of accounts, including; CASA, TD, and the various Loan account types.



Figure 5.3a – Account Summary Figure 5.3b – Transaction History

5.4 Transaction History

From the “Account Summary” page, drill down on any CASA account to view it’s “Transaction History”, as shown in Figure 5.4. The transactions are shown in reverse chronological order. If comments were entered during the transaction, it will be shown in the “Desc” column. Amounts credited to the account will be displayed in green color, while amounts debited to the account will be shown in red color.

5.5 Loan Details

From the “Account Summary” page, drill down on any Loan account to view its “Loan Details”, as shown in Figure 5.6. Loan details include; the initial disbursement amount, the current balance, the installment amount, the maturity date, and the settlement account number (loan servicing account).

5.6 Term Deposit (TD) Details

From the “Account Summary” page, drill down on any TD account to view its “TD Details”. Details relevant to the term deposit are provided.



Figure 5.6a – Account Summary Figure 5.6b – Loan Details

5.7 Loan Calculator / Manage Loans

From the Mobile Home Page, click on “Loan Calculator”. These features work exactly the same as on Retail Internet Banking, so they won’t be described in detail here. See Figure 5.7. The 4 features are as follows:

1. Calculate / Create A Loan – This takes the customer through the process of calculating the instalment amount based on a given loan principle and maturity date, then allows the customer to apply for the loan, and finally book an appointment with an RM.

2. Partial Repayment (of an existing loan) – Same as Retail Internet Banking.

3. Full Repayment (of an existing loan) – Same as Retail internet Banking.

4. RM Appointments – Allows customer to review existing appointments only.

5.8 Bill Payment / GIRO

From the Mobile Home Page, click on “Bill Payment”. These features work exactly the same as on Retail Internet Banking, so they won’t be described in detail here. See Figure 5.8. The 2 features are as follows:

1. One Time Bill Payment – A list of Billing Organizations is displayed for selection, and the customer selects an account, enters the amount, and the Invoice Number.

2. GIRO – The custom can Create New GIRO Arrangement, or View/Delete and existing arrangement.



Figure 5.8a – Calculate Loan / Manage Loans Figure 5.8b – Bill Payment / GIRO

5.9 Fund Transfer / QuikPay

From the Mobile Home Page, click on “Fund Transfer”. The “Immediate Funds Transfer” and “Manage Standing Instruction” features work the same as on Retail Internet Banking. “QuikPay” is a mobile only feature that allows person to person payments either using Near-Field-Communication (NFC) or QR Code as an authorization method. If the mobile phone is not NFC enabled, then the app defaults to the QR Code method, as shown in Figure 5.10.

Figure 5.9a – Fund Transfer Page Figure 5.9b – QuikPay Using QR Code



5.9.1 QuikPay Recipient

From the Mobile Home Page, click on “Fund Transfer” and then on “QuikPay” as shown in Figure 5.10. Click on “Recipient”. Select an Account to receive the funds. (Note: The account can be any currency. An exchange rate will be applied.) Click “Next” and a QR Code will be displayed for the Sender to scan using their phone.

Figure 5.9.1a – QuikPay Recipient Account Figure 5.9.1b – QuikPay Recipient QR Code

5.9.2 QuikPay Sender

From the Mobile Home Page, click on “Fund Transfer” and then on “QuikPay” as shown in Figure 5.10. Click on “Sender”. Select an Account to send the funds from. (Note: The account can be any currency. An exchange rate will be applied.) Click “Next” and the scanner will be turned on. Scan the QR Code on the Recipients phone to complete the QuikPay fund transfer.

Figure 5.9.2 – QuikPay Sender Account and Amount



5.10 My Offers

From the Mobile Home Page, click on “My Offers”. Scroll down to view all offers that are still valid before the expiry date. Offers may also include a QR Code imbedded in the image, for redemption at the Merchant, as shown in Figure 5.13. There are ways that customers can receive offers, as follows:

1. Customer selects an affinity item in the “Customer Preference” section of Retail Internet Banking application (See section Setup Preferences (Interests) For Real-time Offers), for example; “Coffee”. The bank has a merchant tie-in with Coffee Bean, for example, and a promotion is setup in the system. At the Point of Sale (POS) at Coffee Bean, the customer purchases something. In real-time, the customer receives an SMS message with the promotion offer for 15% discount with the next purchase. And at the same time, the promotion offer is available for viewing and later redeeming using the mobile app.

2. The bank sets up a banking product promotion that is triggered from a transaction. For example, if the customer deposits a large sum, let’s say $50,000, into a normal deposit account, then a promotion offer is triggered in real-time that offers the customer a preferable interest rate on a higher yielding term deposit account. An SMS message is sent, and the offer appears via the mobile app as well.

Figure 5.10 – “My Offers” Example of a Coffee Bean Promotion

Note: Besides these types of cross-sell and up-sell opportunities, this system can also be used to detect threats such as Non-Performing-Loans, Fraud, and Money Laundering.



6. ATM Network Management

6.1 How to Login

From the tbankonline.com home page, click on the “ATM Network Management” link. If this is the first attempt to login, then take the time to download the ATM client application / simulator. Do this by clicking the button labelled “Download ATM Application”. Save the download zip file to a convenient place like the desktop. To run the ATM Simulator, refer to section Starting up ATM Simulator.

Figure 6.1 – ATM Network Management Login

To login, enter the Username and Password created using the Teller application. See section Teller Admin.

6.2 ATM Network Management Dashboard

Once logged in, the map of Singapore will be displayed, with markers indicating the location of ATM machines. The green colour markers indicate ATM machines that are online, and the red markers indicate ATM machines that are offline. Scroll down to see the status of all ATM machines.

Figure 6.2 – ATM Network Management Dashboard



6.3 Create ATM

To add a new ATM machine into the network, click on the menu item on the left labelled “Create ATM”. An ATM icon will appear. Drag the ATM icon to the desired location on the map. Zoom in on the map for a more precise placement. As the ATM icon moves across the map, the Location Address is updated automatically on the right panel labelled “New ATM Information”. The default beginning cash inventory is 100 each of $10 notes and 50 each of $50 notes. Change these values as desired. Once the location and inventory is set, then click on “Create” to create the ATM machine in the system.

Figure 6.3 – Create ATM

6.4 Download ATM Setup File

The ATM Simulator is a thick client application that runs on the user’s PC. That application requires a setup file, in order to connect to the ATM server. To download the setup file for the newly created ATM machine, click the respective red colour “Download” button.

Figure 6.4 – Download ATM Setup File



6.5 ATM Status Indicator

When an ATM machine is started up and connected to the server, the status indicator on the dashboard will turn to green colour.

Figure 6.5 – ATM “ONLINE” Status

6.6 ATM Inventory Monitoring

To monitor the cash inventory of ATM machines, click on “Inventory Monitoring”. Each time cash is withdrawn from an ATM machine, the inventory of $10 and/or $50 notes will be reduced accordingly. A “Reorder Point” is computed, based on the selected “Service Level” and “Lead Time”. If the balance of a given note denomination falls below its reorder point, then a recommendation “Need Top Up” will be given. Topping up an ATM is done at the ATM machine, and will be covered in the section on ATM Simulator.

Figure 6.6 – Inventory Monitoring



6.7 ATM Top-Up Forecasting

To forecast the frequency of ATM cash inventory top-ups, click on “Analytic Tools” and then “Top-Up Forecasting”. Select the ATM machine for forecasting. Select the “Service Level” and “Lead Time”. Enter the number of days to run the simulation. Then click “Simulate”. (Note: Only the ATM machines created by the logged in user will appear in the selection list box.)

Figure 6.7a – Top-Up Forecasting Inputs

A “Simulated Withdrawal Chart” will be displayed, which shows the simulated number of cash withdrawals of $10 notes and $50 notes over the selected time period, along with the computed frequency of top-ups and the top-up dates. The example shown here for ATM ID 8, is that to achieve a 90% service level (the machine has enough cash inventory 90% of the time), and giving the ATM top-up provider 2 days lead time (notification), then the provider should schedule a top-up of that ATM machine on the 4 dates given in order to achieve the 90% service level.

Figure 6.7b – Top-Up Forecasting Result

Note this is only a simulation. Ultimately, the top-up forecasting can be made more precise based on actual historical data from the ATM usage statistics.



6.8 ATM Location Planning

To plan the location of the next ATM machine, click on “Analytic Tools” and then “ATM Location Planning”. Enter the area in square meters of ATM coverage. A box will be drawn around each ATM machine in the network. This tool takes as input two parameters; 1) the overlapping area intersecting each pair of ATM machines, and 2) the top-up frequency of each pair of ATM machines. The ATM machine pairs are first sorted in order of their overlapping areas, in descending order. The result of the first sort is then sorted again in order of highest top-up frequency, in descending order. The final result will be an ordered list of ATM machine pairs. The next best ATM location will then be within the overlapping intersection of the two ATM machines at the top of the list.

Figure 6.8 – ATM Location planning

6.9 ATM Usage Statistics

To evaluate the usage and efficiency of ATM functions, click on “Usage Statistics”. The average time taken by users to perform a given set of ATM functions is given, eg; the average time to login, the average time to perform a cash withdrawal, the average time take to perform a fund transfer, etc.. This tool is useful for ATM Engineers, to analyse which functions are taking excessive time to perform, and then try and optimise the function to be more efficient. The goal is reduce the number of people waiting in queue to use the ATM machine, while still offering a comprehensive set of functions that can be performed on the ATM. Note that the ATM is the most widely used customer channel in retail banking, and therefore perception of the bank as a whole can be impacted by the customer experience at the ATM.

Figure 6.9 – ATM Usage Statistics



7. ATM Simulator

7.1 Starting Up ATM Simulator

Unzip the ATM Simulator downloaded from login page of the ATM Network Management application. See section How to Login. Run the batch file “Run Client”.

Figure 7.1a – Starting Up ATM Simulator

Click on the icon labelled “Update INI File”. Navigate to and select the ATM setup file downloaded from the ATM Network Management application. See section Download ATM Setup File.

Figure 7.1b – Selecting INI File

7.2 ATM Customer Login

The customer login page will be displayed. At this point, the ATM machine will be registered as “ONLINE” in the ATM Network Management Dashboard. See section ATM Status Indicator. Enter the customer’s NRIC number and PIN created using the Branch Teller application. Note: The NRIC number can be entered by scanning the barcode on the back of the NRIC card.

Figure 7.2a – ATM Customer Login



After clicking “Confirm”, a Two-Factor-Authentication (2FA) code will be sent via SMS to the customer’s mobile phone. Enter the 2FA number, and click “Confirm”.

Figure 7.2b – ATM Customer Two-Factor-Authentication

7.3 ATM Cash Withdrawal

After logging in, the “Cash Withdrawal” page will be displayed. The customer clicks on the desired withdrawal amount, or “Others”. Note: the withdrawal amount must be fulfilled with a combination of $10 and $50 notes only.

Figure 7.3a – ATM Cash Withdrawal

After clicking the desired withdrawal amount, if the customer has more than one CASA account, a list box of CASA accounts is presented for the customer to select from. The customer’s default account is listed on top. Note: The customer’s default account is set using the Branch Teller application. See section Create Deposit Account. After the customer selects the desired account, the transaction is submitted and a success message is displayed including the remaining balance of the account.



Figure 7.3b – ATM Cash Withdrawal Successful

7.4 ATM Balance Inquiry

The customer can view the balance of any account, of any currency and any account type, including; CASA accounts, Term Deposit accounts, and the various types of Loan Accounts. Also shown is the remaining daily withdrawal limit of the selected account. The maximum daily withdrawal limit for any account is SGD 2000.

Figure 7.4 – ATM Balance Inquiry

Note 1: For Cash Withdrawal, the customer can select a non-SGD CASA account. In this case, an exchange rate will be applied, and the cash dispensed will be in SGD. Note 2: While the balances of Term Deposit and Loan accounts can be displayed, cash withdrawals can only be performed on CASA accounts.



7.5 ATM Fund Transfer

The customer can perform a Fund Transfer to any account that has been pre-setup as a Payee account via the Retail Internet Banking application. See section Fund Transfer to Other Accounts.

Figure 7.5 – ATM Fund Transfer

7.6 ATM Bill Payment

The customer can perform a Bill Payment to any billing organization that has been added as a Corporate Customer via the Branch Teller application.

Figure 7.6 – ATM Bill Payment

7.7 ATM Update Info

The customer can update a limited set of personal information and preferences - limited due to the keypad only accepts numerical input. The customer clicks “Update Info” and then clicks “Update Mobile” or “Update Preferences.



Figure 7.7a – ATM Update Mobile Number

Figure 7.7b – ATM Update Transaction Trigger

Similarly to Retail Internet Banking, the customer can set a notification trigger amount for any CASA account. The example here sets up a notification via SMS and Email whenever there is any transaction greater than $50 occurring against the selected account.

7.8 ATM Top-Up

The function of topping up an ATM with cash is done by an “ATM top-up provider”. The top-up frequency can be forecasted using the ATM Network Management application. See section ATM Top-Up Forecasting. Otherwise, ad-hoc top-ups can be performed whenever an ATM’s cash inventory is depleted. In any case, the ATM top-up provider logs into the ATM using a special login ID as follows: NRIC: 001 PIN: 234567 This login will bring up a screen for the top-up provider to confirm the top-up has been performed. Once the “Confirm” button is clicked, the ATM’s inventory will be reset to the original capacity of the ATM which is by default; 100 each of 10$ notes, and 50 each of 50$ notes. The following figures show the cash inventory of ATM ID 6 before and after a top-up is performed.



Figure 7.8a – ATM Inventory Before Top-up

Figure 7.8b – ATM Simulator Login

Figure 7.8c – ATM Simulator Top-Up Page

Figure 7.8d – ATM Inventory After Top-up

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8. POS Simulator

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9. Bank Administration

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