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Introduction to T24 Customer

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TEMENOS EDUCATION CENTRE

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NOTICE
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licensed by the Copyright Owner.

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Copyright © 2010 Temenos Headquarters SA

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Introduction

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 CUSTOMER and associated tables

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 Core applications

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 CUSTOMER application is central to organisation of
 information

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services
 profit and loss
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 Customer records are opened and maintained for

 Clients: Private, Corporate
 Agents: Other Banks, Brokers
 Counterparties: Other Banks, Retail and Corporate
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CUSTOMER Application

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 Establish Customer record prior to any Customer activity

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 Descriptive details not financial

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 Accounts and contracts link into Customer

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CUSTOMER

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A/C Based Transactions Contract Based Transactions

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Current Account

Foreign Exchange
Savings Account

Nostro Account Money Market

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Over drafts Securities

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Purpose of Customer Record

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 All Non financial details about the person

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Business dealings in business applications

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 One record should exist for each Customer

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Can be created as soon as essential details are available
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 Can be independent of Account opening or business transaction
 Additional details can be added any time

 Customer record, once created, remains for ever

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CUSTOMER – Static Tables

Classification for Occupation

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Status
Preferential charges, reports

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SECTOR INDUSTRY CUSTOMER.STATUS

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COUNTRY
DEPT.ACCT. OFFICER
TARGET
Nationality
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Dealing Officer
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Residence Marketing Strategy

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Customer - Mandatory Details

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 Id

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 Unique and up to 10 digits

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 Customer Mnemonic

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 Memory aid and hence unique
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Can be used instead of Customer Id in any T24 application

 Short Name BE PY
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 Multi lingual. Used for online enrichment

 For any Chosen Sector, possible to default values for Industry, Target,
Nationality, Residence, Account officer and Customer Status
 To be pre defined suitably in CUSTOMER.DEFAULT
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Customer - Mandatory Details

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 Language

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 Language for correspondence

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 Address Details

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 Address details for correspondence,

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 Used as the default first print address
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System maintains details in DE.ADDRESS
 Possible to make non mandatory by using CUSTOMER.DEFAULT
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Workshop - 1

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 Use User Menu > Customer > Individual Customer

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 Open a Customer record for yourself

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 Choose Sector 1001 applicable for Individuals and validate

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 Note the defaulted values of Industry, Target, Customer Status,

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Nationality, Residence and Account officer
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 Change defaulted value in the following fields:
 Account officer, Nationality and Residence as applicable to you

 Input address details in the second section, accept override if any

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 Commit and get the record authorised

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Workshop -1 Solution

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Customer – Optional Details

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 Identification Documents

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 Legal Identification type, Identification number and details

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 More than one can be recorded by multi value facility

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 Relationship details
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Relation code and Relation customer.
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System indicates Reverse relation
 Possible to indicate multiple relationships
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 Role
 Role , Customer plays with this customer
 Roles like authority to sign on behalf of the company, power of attorney etc
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Customer – Optional Details

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 Relation delivery

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 Used on select customer records such as joint customer

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 Used to specify what delivery address to be used for link customer

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 Customer Rating
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Rating on the customer given by credit rating agencies

 Liability Customer BE PY
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 Customer consolidation number for credit grouping and Limit sharing

 Major information for CRM from Customer records include

 Previous name, Dependents
 Spoken language
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Other nationality, Domicile details

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Past time
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Customer – Optional Details

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 Financial Details

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 Useful for Client-Bank relationship for cross selling and campaign

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management

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 Personal data on employment details

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 T24 can provide Single Customer view of all these and more

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 Residential Details
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Residential status and residence type can be recorded
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Used as additional information on the customer

 Communication Details
 Types of communication like alerts, advice, campaign
 Preferred method of contact like Branch, Internet banking, Email etc.
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Customer – Optional Details

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 Contact Details

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 Introducer name, Date of first contact, Secondary officer

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 KYC Details

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 Details on KYC norms like latest review dates and next review dates

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 AML Details
 Details on AML should be entered
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 Other Details
 Issue of Cheque, Tax Id
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Prospect Customer

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 Bank can create customer record for a Prospective Customer

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 Minimum data required to be filled up

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 Mnemonic, Gender, Sector, Industry

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 Prospect may or may not be allowed business activity with bank
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Choice available in COMPANY table
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If allowed, when business activity is initiated, prospect customer treated as
active customer
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 Otherwise, type of customer should be set as Active before initiating
any activity

 Possible to indicate in COMPANY table, how long details of

prospective customers are to be held
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All these features available with installation of Customer Relationship

(CR) module

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Customer – KYC Details

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 Before a customer record is opened, banks complete the KYC

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formalities

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Details such as how the customer was introduced

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 Details can be filled up for existing customer or for new customer

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It is possible to link KYC Id to the customer record through enquiry

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Workshop - 2

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 Use User Menu > Customer > KYC > Create KYC

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 Input suitable value for Relationship Name

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 Choose suitable values for Relationship Manager and Account Manager

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Select other details like Relationship to PWM as New customer
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 Select how introduced as Walk in customer

 Commit the record

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Workshop – 2 Solution

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Workshop - 3

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 Use User Menu > Customer > Create Corporate Customer

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 Create a Customer record for a Corporate - ABC International

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 Choose suitable values for Sector, Target, Nationality, Residence and

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Industry

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Choose these options in the following fields
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 Customer Status as Corporate Medium, Account officer as 1

 Input address

 Commit and get the record authorised

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Workshop – 3 Solution

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Creating Customer Records for a Bank

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 Should choose suitable Sector

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 Pre defined in ACCOUNT.CLASS application as BANK

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 Only then, will be treated as Bank in other applications

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Nostro Account opening, Funds transfers for Banks

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 AGENCY record can then be created

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 Useful for Standard settlement instructions with this Bank
 Useful for routing settlement instructions
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Customer 360 Degree View

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 T24 currently provides 360 degree view of customer in the form of

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enquiry Customer Position

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 Enquiry displays the details of all limits, collateral, loans, securities etc

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held by the customer with the bank.

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 User of T24 may be running a combination of T24 modules and non-
T24 systems for their products but maintain all their customer records
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in T24.
 In such a scenario T24’s customer position should be showing a 360 degree
view of customer with arrangement balances from both T24 and non-T24
modules.

 Possible to drill down by means of an Enquiry using

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CUS.POS.ENQ.PARAM file.
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Enquiries

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 Customer Details

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 Customer wise details

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 Can drill down to view Customer overview and customer details

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Prospect search
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Prospect details of Customer
 Can drill down to view the record and also activate customer record
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 Customer List
 Customer wise details
 Can drill down to view Customer details
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Workshop – 4

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 Use User Menu > Customer > Enquiries > Customer details

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 Look at the details of individual customer opened by you

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 Use User Menu > Customer > Enquiries > Prospect search.
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Look at the details of any prospect customer

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Workshop – 4 Solution

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 N
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Workshop – 4 Solution

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Rapid fire round

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1) What is Mnemonic?

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Ans: Memory aid

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2) What is the use of Target?
Ans: Marketing purposes

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3) What is the use of CUSTOMER.DEFAULT?
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Ans: Helps quick Input
Address can be made optional Input

4) In which table is Sector code used as Id?

Ans: CUSTOMER.DEFAULT
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5) What is the use of Short name?

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Ans: Enrichment purpose

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Customer Links

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Dept/officer Sector

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Industry
Liability

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Residence

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Customer
CUSTOMER Relationship

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Target Customer
Nationality
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Address Savings accounts
Status etc Current accounts
Limits
Profitability
Loans
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Exposure
Mortgages
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Marketing
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FX
Deposits
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Summary

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 You have learnt

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 Importance of Customer record

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 Static files related to Customer

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How Customer is central to all information in T24
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