MiBS is a robust, proven Conventional Banking solution that has been powering many banks and financial institutions. It caters to the extensive and complex banking needs of individuals and corporations. MiBS Conventional Banking solution is offering 24x7 real-time OLTP banking operations since 1995. It is supporting banks with hundreds of branches while our benchmark shows that MiBS is truly scalable. MiBS Conventional Banking solution subscribes to the multi-tier Open architecture. It drives branch clients on Windows or browser while employs relational database in the zSeries. Channels and sub-systems are fully integrated on MQ. MiBS is extremely agile as a result of its business-object design. It is designed and built from the ground up. Multi-currency and multi-financial institutional capability is built-in. New products are defined on the fly yet they are very user friendly. We develop every single line of code and offer our clients: Periodic enhancements Ongoing maintenance Research and development Round-the-clock support Our history of quick deployment and comprehensive knowledge transfer guarantees a successful roll-out. We are proud of our ZERO failure rate track record. MiBS Conventional Banking Deposit services: Savings Account Current or Checking Account Termed or Fixed Deposits MiBS Conventional Banking Financing services: Corporate Loans Retail Loans Hire Purchase Leasing Share Financing MiBS Conventional Banking Treasury and Trade Finance services: Trade Finance Remittance Money Market Foreign Exchange MiBS offers a single consolidated customer view across all modules and channels through the Customer Information File (CIF). MiBS is complete with channels: Branch delivery systems (BDS) ATM, Cash Deposit, Cheque Deposit Machines, Kiosks Internet, PDA, Phone and SMS Banking Smart Card based services MiBS comes complete with: General Ledger Cheque clearing and management Security deposit User Security and Control