SAP Transactional Banking (TRBK)

A banking software solution that provides end-to-end transaction processing capabilities for various banking products and services, including deposits, loans, payments, and foreign exchange.

SAP Transactional Banking (TRBK)
is an open core banking platform, which is based on an
architecture that ensures real-time processing and continuous availability. It offers a wide range of functions for retail and corporate banks of all sizes.

This solution is based on the SAP HANA database and, as such, offers and makes use of SAP HANA capabilities. Modern user interfaces support users within the bank in different roles to do their daily business as comfortably and smoothly as possible and ensure the common look and feel of the human computer interface of this solution.

Product Management
Different kinds of account-based, card-based, and even structured products can be designed and implemented with the product configurator, including the following possibilities:
Contract Management
Management of contracts for accounts, account hierarchies (master contracts), and cards:
Management of contract-related master data, all relevant business processes initiated by bank customers (often referred to as service requests), for example, opening of a current account, disbursement of a loan, payoff of a loan, closure of a current account.

Transaction Processing

Transactions resulting from, for example, payments, prenotes, or billing items permanently impact the key figures and balances of account contracts. The following factors ensure a proper and consistent real-time or near real-time processing:
Any relevant processes required for the appropriate and consistent processing of the contracts are supported and can be executed for a large number of objects, for example, settlement of interest and charges of all current accounts due, billing of receivables of all loans due, execution of all due standing orders, execution of customer-initiated service requests. This includes:
Up and downstream integration via state-of-the-art protocols, and well-defined stable interfaces. Integration enablers are provided. For example:
Archiving capabilities for all relevant business objects ensure that the data volume in the operational database system can be controlled. Data protection and privacy is guaranteed so that any information stored in the system that is subject to DPP can be deleted in a controlled manner.
Automatic calculation and posting of applicable indirect taxes for banking operations based on customizable tax types, rates, and limits.