fierce market competition combined with increased requirements of customers forcing banks to verify their technology to the extent to which the spirit of the times, as well as engage the revision of the strategy adopted in the field of information technology, taking into account the real achievement of the objectives and tasks assigned to a single institution.
Automated banking systems need to be regularly modified or completely replaced, that will get rid of the whole complex of problems associated with their use.This translation of the banking system on the use of new technologies for both large multinational institutions, and for a small bank in a particular region can be compared with an operation on the heart.This problem is considered to be one of the most ambitious, which can stand before the financial institution.Her decision could lead to a significant breakthrough in the activities that can be output to a new level that will enable the bank to stand out from the competition, or cause serious problems in the event that such a large-scale project is not implemented properly.
Automated banking systems must be scalable, fault-tolerant, development-oriented with a design life exceeding 10 years.With less planned period of operation eliminates the need for the establishment of the ABS, since it fails to recoup its development.
automated banking systems in today's market
banking system have been actively automated in the early 90s when commercial banks began to appear.It was at that time on the Russian market has a number of companies ready to offer ready-made solutions for the automation of the activities of such institutions.The development of this process has led to the fact that a huge number of technologies based on systematic principles that reflect the most important provisions of the theoretical framework, which includes a number of border areas and disciplines.
banking information system as a tool to support the banking business and its development is formed on the basis of certain principles, which are considered fundamental:
- an integrated approach, covering a wide range of banking functions, assuming their full integration;
- modular design that makes it easy to configure the system for a particular order, assuming the possibility of further expansion of the system;
- open technology that should be able to interact with a variety of external systems;
- flexible manipulation of settings modules, as well as adapting to the needs of a particular bank and its working conditions;
- scalability, which provides for expansion of functional modules and their complexity in the development of business processes that take place in the banks;
- the ability to multi-user access to the system in real time, as well as the realization of the full range of functions in an integrated information environment;
- constant development and improvement of the system, based on reengineering its place in business processes.
Automated banking systems created or selected depending on how the whole infrastructure was planned information technology institutions.Under the infrastructure in this case can be understood as the ratio, and a set of substantive content of all components of the automation process.In addition to the conceptual approach can be identified in the infrastructure functional and providing subsystems.
From the foregoing, it should become clear that the banking system - is a complex "organism", which operates in accordance with certain rules and laws that allow the entire system to work smoothly.
