PROFILE

CORE
BANKING
OVERVIEW
2 Profile core banking overview

Fast and flexible:

Profile sets the pace for core
processing systems
FIS Profile® is a modern, real-time, multi-currency, deposit
and loan core banking system. This integrated solution
contains a multitude of configurable features designed to
meet the unique business and product needs of retail and
commercial financial organizations worldwide.

Developed for agile and global delivery, Profile supports an

installed base of hundreds of institutions, with hundreds of
millions of accounts, for clients currently located in 30+
countries across 4 continents. The Profile client base ranges
from digital-only start-ups, to private and wealth banks, to
top-tier global banks.

Financial institutions using Profile as their core banking

system experience industry-leading Total Cost of Ownership
(TCO) benefits based on lower infrastructure and operating
costs, automation, and increased productivity. Profile’s
proven scalability and high availability make it a premier
alternative for organizations committed to implementing a
24/7, always-on solution.
3 Profile core banking overview

Key benefits Business agility and competitive

advantage
Improved time to market and The built-in Profile Product Factory and its embedded,
enhanced competitive innovation configurable rules engine helps you dynamically adapt to
changing demands for new products and services. The
In today’s legacy environment, product and service innovation
system’s highly granular design lets you interactively
are often hampered by technical limitations. Large, global
assemble new products without the need for application
institutions can spend months implementing code changes to
development. The assembly process leverages an inventory of
numerous back-end and peripheral systems to support the
financial objects that can be used within any product
launch of a single new product or service. In contrast, a highly
category. In Profile, features are not locked into a “vertical”
configurable and integrated system such as Profile can launch
product application or predetermined functional area. As new
new products or services within days. For institutions desiring
features or regulatory enhancements are developed and
to be major players in their chosen markets, overcoming
deployed, they instantly become available across all product
technical obstacles to business innovation is paramount for
categories. Features can be individually modified through
competitive advantage.
bank-defined overlays, right down to the individual account or
customer level.
Decreased risks and costs to support
real-time payment systems Platform independence
In the present legacy environment, batch and Day Two Profile operates on a wide variety of hardware and operating
processing is embedded within many payment processes. In system platforms, including IBM® AIX P-series, and Intel®
addition to the costs incurred to process these transactions, Linux. This range of platforms ensures that financial services
banks are continually confronted with risks and errors resulting companies have the highest degree of flexibility and leverage
from inconsistent exception processing. Increasing in determining their operating environments. Many
competition is coming from banks that are unencumbered by organizations also mix and match platforms; for example,
these legacy system limitations and can readily support using one platform for their production environment, another
real-time payments with automated exceptions processing. lower-cost option for real-time reporting images,
development, and testing. Profile’s identical application
Consistent, real-time CX across source code exists across all supported platforms, maximizing
portability and ensuring the same release level is available to
multiple delivery channels all customers and markets. Source code is then optimized
Profile provides integration with all delivery channels through based on your own bank’s configuration and can be simply
a centralized services architecture. This architecture supports recompiled, with no changes, across all platforms.
access to all Profile functionality through a large catalog of
agnostic APIs and multiple industry-standard interfaces,
including RESTful services, XML, JDBC and RPCs that expose Growth without business interruption
the Profile service classes; clients can also communicate via Profile is a proven, highly scalable, real-time core banking
SQL. Additionally, Profile’s Java API enables institutions to system exemplified by industry leading online and batch
implement Java code for seamless integration with the Profile performance (benchmarks on multiple platforms including
business application. Profile Web Services provide a RESTful both private and public cloud can be provided). Profile’s
services tier that delivers a more granular invocation of production installations support millions of accounts
banking capabilities perfect for digital integration and worldwide, including one production instance with more than
interaction. These services can be invoked natively or via an 80 million accounts. The solution’s unique architecture offers
API Gateway solution such as FIS Code Connect. Profile Web true 24/7 capability, greatly reducing operational risk and
Services offer new and improved ways to design and address providing an always-on solution for you and your customers.
business requirements that leverage IT investments and create In addition to exploiting hardware and operating system
more agility in your organization. high-availability solutions, Profile implements a logical
multi-site architecture that maintains multiple, simultaneous
copies of the database in geographically dispersed locations.
The system can switch to a remote site almost instantly,
recovering at the point of the last database transaction.
4 Profile core banking overview

Profile IDE
The Integrated Development Environment (IDE) of choice for
Profile development is Microsoft’s Visual Studio Code (VS Code),
one of the most widely used IDE’s for development
organizations across a wide variety of programming languages,
environments, and software products. It is the tool used by the
FIS Profile development group.

Visual Studio Code is a lightweight but powerful source code

editor which runs on your desktop and is available for Windows,
macOS, and Linux. It is built on open source software, and while
it has a small percentage of Microsoft-specific customizations, it
is free for private or commercial use.

Besides the built in features, Visual Studio Code supports

extensions, with tens of thousands currently available, including
an open-source extension for the Profile development language,
PSL (Profile Scripting Language). Users, or organizations, can
write their own extensions for their own purposes, contribute
them to the community, or participate in enhancing existing
open-source extensions. VS Code provides developers with the
functions and features needed to rapidly build and enhance
components for Profile.

For requirements that extend the core capabilities of Profile, the

IDE, along with the Profile Java API, enables you to produce
your own complex software enhancements with high quality
and within a tight project schedule.

The IDE (VS Code and the PSL extension (vscode-psl)) provides
a large number of features and capabilities, including:

• Support for multiple programming languages, including PSL

• Source control integration (e.g., Bitbucket and SVN)
• Code Completion, Hovers, and Go-To Definitions.
• Syntax hints and highlighting, bracket matching, configurable
snippets, and more
• Configuration of multiple workspaces
• Tailorable themes and configuration options to support
individual developer’s preferences and work habits
• Integrated FTP, integrated terminal, and more
• Profile host integration providing simple quick validation of
code and schema elements under development

All of this leads to higher levels of productivity by the

development team, as well as improved code quality.
5 Profile core banking overview

Profile reporting Deployment options

In addition to an extensive set of standard reports, Profile also
offers tools and technology for users to easily create or edit ad
hoc reports using a graphical report designer. These reports
Multiple options available
can be shared and reused as appropriate across the Available deployment options for Profile include:
organization.
• Software as a Service (SaaS)
• Dedicated Hosted
Profile user interfaces • Licensed Software

Multi-lingual browser-based UIs Cloud-ready and global

• Profile WebCSR – a user interface for call center and branch
personnel to originate and service customers and accounts.
Explore what cloud can do for you
• Profile WebClient – provides a responsive, customer- facing Profile is a cloud ready, cloud enabled and cloud live
user experience in which the bank’s customers can open new solution. FIS can host banks on Profile in North America,
accounts, check balances, manage account details and Europe, and Asia – as we already do today – with private and
transact from phone, tablet or workstation. public cloud deployment options available such as AWS and
• Profile WebAdmin – provides back-office personnel with Azure, where many Profile clients have now transitioned. FIS
the ability to configure security, products, tables and reports. is here to help you soar in the cloud.

• Profile Teller – provides transaction posting capabilities for

your branch personnel, supporting deposits, withdrawals,
transfers, cash, receipts, and balancing.

*Eclipse™, Built on Eclipse™ and Eclipse Ready™ are trademarks of Eclipse Foundation, Inc.
6 Profile core banking overview

Profile outsourcing
Profile outsourcing is an end-to-end operation with
technology solutions that help financial institutions
introduce fully integrated, multi-channel banking. Profile
outsourcing gives you the freedom to concentrate not on
technology, but on the core competencies that drive your
business. Profile outsourcing handles all the details
necessary to manage banking systems – from
implementations to day-to-day operations.

Staffing
Profile outsourcing is supported by a knowledgeable staff
using well-documented processes, procedures and controls
with support from multiple sites to ensure business
continuity so critical in today’s banking environment.
Collaboration between services teams, including quality
assurance, ensures effective and high-quality service for your
customers.

Vendor management
Profile outsourcing provides FIS and FIS partner solutions
with an end-to-end banking platform. From FIS Decision
Solutions for customer and account risk analysis and debit
card management to output solutions for customer
correspondence, FIS provides a full complement of banking
solutions. Profile outsourcing also interacts with partner
solutions integrating best-of-breed applications into the
overall package including such examples as RSA for multi-
factor integration, Deluxe for checkbook orders and Savana’s
nGage for workflow management.

Virtual back office

The FIS virtual back office provides back-office services for
your bank so you can focus on your customers.
7 Profile core banking overview

FIS Profile Outsourcing Back Office Services can provide

the following support for you bank:

Account services General ledger

• Customer and account maintenance • Balancing and reconcilement
• Account closure support • Unclaimed property /
escheatment processing
• Legal processing / research

Other
Money movement
• Business continuity support
• Money movement / monetary transactions
• Social media support
• Exception processing and handling
• Access management
• Transaction disputes / Reg E

Fullfilment
• Document support / follow up
• Mail / return mail handling
• IRS government reporting
(1098, 5498, etc.)
• GDPR / FATCA

About FIS
FIS is a leading provider of technology solutions for financial institutions
and businesses of all sizes and across any industry globally. We enable the
movement of commerce by unlocking the financial technology that powers the
world’s economy. Our employees are dedicated to advancing the way the world
pays, banks and invests through our trusted innovation, system performance
and flexible architecture. We help our clients use technology in innovative ways
to solve business-critical challenges and deliver superior experiences for their
customers. Headquartered in Jacksonville, Florida, FIS is a member of the
Fortune 500® and the Standard & Poor’s 500® Index.

www.fisglobal.com twitter.com/fisglobal

[email protected] linkedin.com/company/fis

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