Core Banking Reference Architecture Model

| I – Banking Application Architecture Platform |
Underlying technical foundation for all systems and applications. Represents the basis for a service oriented architecture used across the integrated platform. |
| II – Customer Data Management |
Central system for business partner management serving multiple banking applications. |
| III – Frontend |
Interface between users and backend systems. Presents data stored and calculated in the back-end in a well-arranged business supporting way. |
| IV – Customer Relationship Management |
System to manage customer and sales prospect interactions from a sales or marketing perspective by providing technologies to automate and organize business processes. |
| V – Analytical Banking |
Bank controlling system containing technical solutions for analytical processes in fields like risk management, BASEL II, IFRS or profitability analysis. |
| VI – Transactional Banking |
Transactional banking covers the processing of operational banking transactions managed by account managing systems. These are responsible to support the complete lifecycle of accounts or contracts. |
| VII – Enterprise Banking |
Enterprise applications for all industries to support common business processes, such as quality management, human resources or financial accounting. |
| VIII – Business Intelligence |
A BI system supports business decision processes by providing client specific historical, current, or predictive views on business operations. |
| IX – Transaction Broker |
A transaction broker connects the banking system to the outside world, mainly focusing on payment transaction flows. |
| X – Teller Application |
Teller applications provide user interface solutions for tellers to support customer transactions like payment transfers, deposits and withdrawals, foreign exchange cash transactions etc. |
| XI – Further Applications |
Further bank applications outside the banking application platform |