International Financial Reporting Standard.
IFRS solution ensures how an entity should classify and measure financial assets and financial liabilities. In order to address the difficulties in generation of financial statements our ECL solutions extends to cover the Financial Reporting Automation through its FRA (Financial reporting automation) suite. The solution enables banks to compute its IFRS related provision expeditiously, saving precious time &resources. The software also has the ability to automate all the existing manual work like GL reconciliation, preparation of chart of accounts, MIS and various dashboards at the click of a button.
Credit Risk Management
A highly scalable solution that serves as a foundation for evolving regulatory risk requirements and for integrating the institution’s entire Credit Risk information. Kalypto/Credit enables banks and institutions to rate/score corporate and retail customers, accurately assess credit exposures in multiple dimensions, and automatically calculate and compare the effects of alternative risk-mitigation strategies.
Big data and Analytics
Using more machine intelligent, collected data from these sources are co-related with unstructured data to unlock the hidden potential and generate insight. To mention few, In real world it could transform bank to do better NPL management, fraud detection and prevention, Customer churn out, cross sell, Up sell, etc. Using machine intelligence/ analysis, it can predict potential issues and move to provide solution before the problem even appears.
Asset Liability Management
Kalypto/ALM integrates with the bank’s core and satellite systems to provide the management with detailed analysis of the balance sheet in terms of structural liquidity gaps, interest sensitivity and dynamic liquidity. Besides basic gap analysis, the solution also provides impact of rate-shocks on the banks’ balance sheet etc.
Fund Transfer Pricing
The solution provides institutions with a choice of methods to construct an FTP curve coupled with an FTP rule engine to adjust the curve on account of various parameters. Based on the rate assigned by the rule engine, the solution determines the contribution of each business unit. The solution is also bundled with a modeling tool, which enables banks to bucket asset and liability products which have indeterminate maturity.
Operations Risk
Kalypto/Ops is a comprehensive solution which provides a robust, enterprise-wide platform for identification, measurement, monitoring, and control of operational risk.
Market Risk
Kalypto/V@R is a market risk management solution, which integrates with the bank’s existing treasury system to upload position data across multiple asset classes and computes capital charge arising out of market risk using a choice of either the standardized approach on an RWA basis or the internal models approach using V@R methodologies.
Loan Origination System
Banks provide various loans and advances to industries, corporate and individuals. The interest received on these loans is their main source of income. Granting loans and advances involves risk and proper assessment needs to be done before extending, Kalypto/Credit product suite of CARE Risk helps to enhance credit assessment process of Bank and other financial institutions. It has been designed to cater the changing business needs of credit approvals. It allows Bank to configure the steps involved in loan processing depending on loan types and comes with complete front and back office processing functionality from Appraisal creation till disbursement of funds.
Loan Collection & Recovery
An innovative solution to help banks in Loan recovery process. It caters to importance of advance recovery process of bank and another financial institute. It comes with decisioning, workflow, and self-service capabilities to manage outstanding debt. its advance agent allocation module (3AM) helps in increasing recoveries and reducing costs of Bank. It helps in improving collection efforts and increases your accounts receivable by identifying accounts with the highest payment potential.
Early warning signals
In this uncertain environment bank needs constant reassurance that their assets portfolio has good-quality low-risk advances. With advancement in technology it is now possible to do ongoing surveillance for early detection of stressed loans and advances. Using hybrid analysis and advance technology we have designed an Early warning signals system (EWS) which is set of guided processes for identifying the stress at early stage.
Analysis shows Effective monitoring reduces the risk of loan loss. Bank can maintain tighter control over the loans and advances. EWS system is able to generate Alerts on different breaches, breaches can be at different threshold levels to compute the EWS Score. The system does the monitoring at borrower level for all association held with bank, this allows to leverage more as more library parameters gets collected.
Anti-Money Laundering System.
This solution helps financial institutions to comply with Anti-Money Laundering regulations. Deployed as part of the Core banking Solutions, or integrated with the Bank’s existing system. The AML solution focuses on Client scoring and history. AML provides Watch List Management against multiple watch-lists and suspicious activity monitoring via clients’ transactional behaviour analysis with powerful mechanisms from Jacota GRID for proactive risk control.
Data warehousing.
A data warehouse is created by integrating data from multiple heterogenous sources that support analytical reporting. Data warehousing involves data cleaning, data integration, and data consolidations. Information from data warehousing is used to tune production strategies by managing and comparing product sales and portfolios, for customer analysis and operations analysis.
System auditing for Vulnerability.
This service provides high quality audit of network/computer software system to check for malwares and vulnerability that can compromise a system.
IT consultancy
We provide high end IT consultancy services for our customers for any type of assistance.
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