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Enhancing Banking Efficiency: The Actual Global Limit (AGL) Workshop by Masaref Consulting

Join our workshop led by Wagdy Mounir, T24 Technical Consultant, to explore Masaref's Actual Global Limit (AGL) system. This comprehensive session will cover AGL setup, document management, workflow, and scoring processes necessary for banks to streamline their operations. Discover real-world applications through Inma Bank's case study, addressing pain points such as core system limitations and security issues. Learn how AGL facilitates automated funding calculations and customer scoring, enhancing banking services for both Islamic and non-Islamic products.

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Enhancing Banking Efficiency: The Actual Global Limit (AGL) Workshop by Masaref Consulting

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Presentation Transcript

  1. Masaref Consulting Actual Global Limit AGL Session By Wagdy Mounir T24 Technical Consultant

  2. 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

  3. Introduction

  4. 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.

  5. 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.

  6. 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.

  7. Inma Bank Case

  8. 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.

  9. Actual Global Limit

  10. 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.

  11. 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.

  12. Prerequisite Configuration • Employer Sector • Approved employer • Required documents and its samples • Authorization person and their signatures • Some parameters • Rejection reasons • GL types • Military Rank

  13. Workflow Prerequisite Configuration Fill GL Application Review and Fill Additional Info Defining Caps (4 steps) Approval & Rejection Personal Scoring Checking SIMAH

  14. Work Shop 1

  15. Work Shop 2

  16. Work Shop 3

  17. 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.

  18. Questions And Answers

  19. Thank You Masaref Consulting

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