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Masaref Consulting Actual Global Limit AGL. Session By Wagdy Mounir T24 Technical Consultant. Agenda. Work Shop 1. Work Shop 3. Introduction. 1- Parameters 2- AGL Setup 3- Document Setup. 1- AGL Layers 2- AGL Work Flow 3- AGL Document Managment. 1- AGL Application
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Masaref Consulting Actual Global Limit AGL Session By Wagdy Mounir T24 Technical Consultant
Agenda Work Shop 1 Work Shop 3 Introduction 1- Parameters 2- AGL Setup 3- Document Setup 1- AGL Layers 2- AGL Work Flow 3- AGL Document Managment 1- AGL Application 2- Scoring Demo 1- Who are we ? 2- Why AGL? 3- What is Scoring? Inma Bank Case 1- Core Doesn’t meet Requirements 2- Security Issues Work Shop 2 1- Employer Sample 2- Pre Global Limit Demo Actual Global Limit Conclusion
Who Are We ? • MASAREF is a software solution and professional services company, specialized in Temenos T24 and Islamic core banking system. • MASAREF is based in Dubai (UAE) and operating in the Middle East, our aim is to expand throughout the region.
Why AGL ? • Actual global limit is a very necessary product for any bank as based on it the bank can supply any of his products. • AGL. Make it secure for all Islamic and non-Islamic loans and products. • AGL. Keeps tracking on the customer scores. • AGL. Automated system to calculate the maximum funding for a specific customer • AGL. Calculate automatically the products that the customer is eligible for.
What Is Scoring ? • In T24 each customer get his own scoring depends on some ready inserted parameters such as • Age • Salary • Car owner • Occupation • Profession • Etc. Finally for each of this parameter values he get a score according to a predefined parameter table.
Al-Inma Bank Pain Point There was two main big Pain Points : • Not satisfied by the core limit system • Security issues for the Saudi Market.
AGL. Layers • Sector Layer • Employer sectors layer • Employer Layer • Non Saudi employer • Saudi Employer • Customer Date Filtration Layer • Based on customer provided data (Age and retirement age) • Military and non military customers handling • ESOB handeling. • Scoring Layer • As per the provided data per product.
AGL. Count. • There are two types of Global Limit : • Actual Global Limit. • Preliminary Global Limit. • Actual Global Limit (AGL) System is the T24’s part that managed the first process of obtaining Personal Finance. The functionality supported by AGL System are: • applying for Global Limit • calculating customer’s scores • calculating Global Limit based on customer’s scores, • Applying for PF Products.
Prerequisite Configuration • Employer Sector • Approved employer • Required documents and its samples • Authorization person and their signatures • Some parameters • Rejection reasons • GL types • Military Rank
Workflow Prerequisite Configuration Fill GL Application Review and Fill Additional Info Defining Caps (4 steps) Approval & Rejection Personal Scoring Checking SIMAH
Conclusion • Masaref had designed a new Actual Global Limit module to satesfy the Saudian market needs • This Module is implemented and test in many areas • System in now live in Al inma Bank for example.
Thank You Masaref Consulting