Customer Asset Management (CAM)

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Arium Customer Asset Management (CAM)

With so many uncertainties looming around in today’s society, many organisations still chooses conventional methods of piling their wealth in banks in hope of securing their future. As the middle classes grow, so are their funds in their banks, with so much liquidity in today’s banking industry, a bank must be creative in developing its product while providing a wide array of lucrative services to manage all that excess funds. To profit in such conditions, bank must rely heavily on one of banks key products & services and its sole backbone, they are credit & loans.

Credit extends from consumer loans to corporate loans. One of key strategies in broadening the banks credit portfolio is through Financial Channel. In the midst of the ever expanding Indonesian finance industry, channeling banks credit towards financial channel is a great strategy in managing risk while leveraging asset through a dependable systems, both human resources and its IT system. How do you play your role in this huge surge of Financial Channel? This is where ARIUM Customer Asset Management(CAM) comes in and help banks reduces risk and increase profits through speed and performance.

In meeting your day to day challenges, Arium CAM was designed and built based on market demands and it s specially designed to optimize your workforce, enabling you to handle indirect loans between Banks and Financial Channel with rapid process while minimizing its risk. Challenges that often arise in today’s banking industry are:

  1. Loan portfolio management, how banks managing multiple accounts and clients with different reporting schemes.
  2. Risk management and risk mitigation, how  banks able to minimize their risk and how they are able to deal with credit defaults and posting errors.
  3. Risk management and risk mitigation, how  banks able to minimize their risk and how they are able to deal with credit defaults and posting errors.
  4. Compliance, how banks providing a system that are  able to comply with rules and regulations that are enforced by the central banks. For that, banks need  a system that is able to tackle all that challenges. Arium Customer Asset Management System (CAM) doesn’t only answers what banks needs, but it is the perfect companion in addressing bank’s loan financing challenges.

Arium Customer Asset Management (CAM) system can facilitate all financing options:

  1. 1. Join Financing
  2. 2. Channeling
  3. 3. Asset Purchase

Arium Customer Asset Management (CAM)  is characterized by the following attributes: Fast Implementation, Reliable, Scalable, Manageable, Secure and User Friendly

Arium Customer Asset Management (CAM) comprehensive solutions provides organizations with all the necessary tools to answer its needs and give the following benefits:

  • *Gives organizations more time to focus on business and gives  the freedom to create products and business strategies.
  • *Enables organisations  to pick and choose  setting that best fits the business needs. Such mechanisms are deployed for automatic candidates separation, between new accounts and Financial Channel With Arium CAM. It provides organisation   an initial sense of security in ensuring  future clients.
  • *Checks whether the customer has taken out a credit with the bank or not and during the process, the system will also check for its loan account status and see whether it’s still active or it is idle and or finished.
  • *Gives an extra assurance towards banks that every credit the bank going to disbursed are to clients who have no bad credit history or delinquent track record.
  • *Gives organization the options to offer clients on  the way to do  transaction. And giving organisation  the flexibilities in setting the tempo and the rhythm of  cash management.
  • *Provides all the technological solutions that are needed in providing a great working environments. The system complies with all policy and rules & regulations enforced by the Central Bank of Indonesia.

Main Features

Portfolio Management
  • Multiple Financial Channel: Arium CAM is able to • facilitate more than one Financial Channel
  • Multi Currency: Arium CAM supports both IDR & Non  IDR transactions
  • Multi product: Arium CAM supports multiple products, both Automotive & Non-Automotives
Risk Management
  • Eligibility: Arium CAM filters all incoming accounts and  Financial Channel loan requests.
  • Duplicate customer checking: Arium CAM double checks all potential customers with  banks database to see  loan account status whether it’s still active of its idle.
  • Blacklist Checking: Arium CAM checks all uploaded data against the central bank’s blacklist to ensure safety and quality credit.
Cash Flow
  • Mirroring:

Arium CAM is able to monitor end users payment through its Financial Channel where the payment will automatically be forwarded to the loan originating bank.  All calculations of fee, fines and interest rates are recorded based on the date and the amount of payment made by the end user towards their Financial Channel company.

  • Non Mirroring:

Arium CAM is able to monitor end-user payments through its Financial Channel where the payment will not be forwarded to the loan originating bank. All transactions of payments, fees and interest will be paid by the Financial Channel periodically/daily by automatically deducts the Financial Channel bank account.

Compliance and Interface
  • Arium CAM supports and comply with: SID (Credit &  Loan Information System), Indonesian Central Bank’s (PL,NPL, LBU -> LBBU & LHBU).
  • Arium CAM is able and support:  journals consolidation, data reconciliation, upload and download text file from third party with different configuration
  • Arium CAM is able interface with the other applications.

Platform and Technology

The key technology benefits :

  • Web based multi browser
  • Java platform
  • Multi platform operating system
  • 3-tier architecture
  • Integrated Development Environment
  • Reporting tool

Arium CAM comes with the following modules:

  • Risk Management: Filtering, Duplicate Checking, Blacklist checking
  • Operations: Mirroring and Non Mirorring
  • Flexibilities and Compliances:
    • Arium CAM supports and comply with SID (Credit & Loan Information System), Indonesian Central Bank’s (PL, NPL, LBU -> LBBU & LHBU).
    • Arium CAM is able and support journals consolidation, data reconciliations, upload and download text file from Financial Channel with different configuration, interface with the other program / application
Total Strategic Integrated Financial Initiative

We realize that focusing on business at hand requires commitment to achieve long term strategic positioning and growth. Resources must be planned and deployed effectively. With Arium CAM as your partner, rests assure that the future of your business is foremost in our mind. We offer you not just the best solution but also tremendous value added capabilities and integration to help achieve higher stake holder value.

telkomsigma comprehensive IT services covers financial, telecommunications and a wide range of business sectors. Essentially this will create better B2B and B2C connections for our clients in an enhanced value chain by offering consumers higher access services and network solutions.

Hence we are able to initiate a comprehensive array of networking and services unequalled by any other IT solutions for your business. We call this ourTotal Strategic Integrated Financial Initiative. With Arium CAM your business will truly be connected.

About Telkomsigma

PT Sigma Cipta Caraka (telkomsigma) is a leading business solution provider of Information Communication Technology (ICT) for over 20 years in Indonesia, currently employing more than 850 personnel including internationally certified IT professionals. We have been at the forefront of innovative IT solutions, development and operations, delivering IT benefits both at home and abroad.

telkomsigma offers comprehensive information technology services comprising of consulting services, software products, applications, software development services and data center operations in the banking (conventional and sharia-based), financial, telecommunications, manufacturing and distribution sectors.

Currently telkomsigma Solutions & Services have been implemented by more than 150 banking corporations in Indonesia and score of Financial institutions as well as major corporations in various other industries. In early 2008, telkomsigma was acquired by a subsidiary of the largest information and telecommunications services provider in Indonesia, TELKOM.