Eigene Bank gründen- Banklizenz: Banksoftware

• Index Bankgründung

KWG-Recht: § 53a (Repräsentanzen von Instituten mit Sitz im Ausland mit Verweise auf §53a); § 53b (Unternehmen mit Sitz in einem anderen Staat des Europäischen Wirtschaftsraums)

Exposee zur Gründung von internationalen Vermögensverwaltungsgesellschaften und Banken

Regelungen Basel II für Finanzdienstleistungsinstitute

Grundsätzliche Überlegungen bei der Gründung einer Bank

Gründung einer Kapitalanlagegesellschaft im In-und Ausland

Wir gründen für unsere Mandanten Gesellschaften mit Bank- und/oder Finanzdienstleistungslizenz,mithin Vermögensverwaltungsgesellschaften, vorwiegend in folgenden Ländern:

• Schweden (Schwedische Creditunion)

• Panama (Panama AG mit Finanzdienstleistungslizenz)

• Liechtenstein, Vermögensverwaltung

• Liechtenstein:Bank oder Finanzgesellschaft

• Neuseeland Finanzdienstleistungsgesellschaft mit Genehmigung für Bankdienstleistungen 

• Schweiz und USA: Vollbank (Einlagenkredit-Institute)

• Vollbank (A-Lizenz) Cayman Islands(Einlagenkredit-Institute)

• Banklizenz in Belize

• Vermögensverwaltungsgesellschaft Belize

• Bank-Lizenz St.Vincent

• Bank-Lizenz Nevis

• Deutschland: Wertpapierhandelsbank, Investmentbank, Vollbank, E-Geld-Institut  (Einlagenkredit-Institute und deren zentralen Kontrahenten, Institute des E-Geld-Geschäftes,Finanzdienstleistungsinstitute die nicht auf eigene Rechnung mit Finanzinstrumenten handeln,Anlagevermittler/Finanzportfolioverwalter)

• EU/EWR: Länder der europäischen Gemeinschaft (z.B. Bankgründung Spanien) und EWR

Darüber hinaus offerieren wir Finanzdienstleistern die Auflage eines eigenen Fonds im Offshore-Bereich. Mehr zu diesem Thema finden Sie auf unserer Webseite zum Thema. Eine allgemeine Übersicht zum Thema Vermögensverwaltungsgesellschaften und Banken finden Sie im Exposee zur Gründung von internationalen Vermögensverwaltungsgesellschaften und Banken. Bitte lesen Sie auch unsere Einlassungen zum Thema: Grundsätzliche Überlegungen bei der Gründung einer Bank.

Software für das Online-Banking

Im Kontext der Gründung einer Bank wird i.d.R. eine Online-Banking-Software benötigt,um Transaktionen der Kunden via Onlinebanking zu realisieren. Ist eine Korrespondenzbank erforderlich realisiert eine elektronische Schnittstelle den Abgleich zwischen Korrespondenzbank und Online-Banking-Portal der Mandanten-Bank.Über unsere Kooperationspartner sind wir derzeit in der Lage die Online-Banking-Software NexorOne oder Macobank4 anzubieten. Die Gebühren richten sich nach den notwendigen Modulen der Banking-Software und liegen zwischen ca. 14.000 bis 49.000 Euro.

Online banking system for account management and secure messaging with customers

Interfaces and Options:

Main features the Administrator is able to access:

• System messages – Generated when the users request certain transactions, automatically processed and replied to when executed by the administrator. These transactions require individual attention for completion.

• User messages – secure messaging within the system. Either manually generated by the users when contacting the administrator or by the administrator himself to create messages to an individual user or a general message to all users.

• System Log – serves as a log of all the activities in the system by keeping records of all the changes made by either the users or the administrator.

• Profile editor – create or search-view and/or modify users profiles in the system as well as to modify the administrator’s profile.

• Account manager – create or search-view and/or modify accounts to then activate, inactivate or block them. Also, to associate optional card accounts to enable users to transfer funds to them.

• Manual transactions – to manually debit or credit any account in required instances. An additional feature is the ability to select the revenue option which will include the transaction as a generated fee (thus appearing in the administrator Revenues Report).

• Revenue manager – to manage the revenues generated either automatically by the system or manually by the administrator.

• Portfolio manager – to administrate and manage user’s passive portfolios.

• Reports
  • Specific User Reports
    • Specific user – Specific account – All transactions
    • Specific user – Specific account – Ranged executed transactions
    • Specific user – All accounts – Executed transactions
    • Specific user – All accounts – Balances
  • Global System Reports
    • All users – All accounts – Balances
    • Manual transactions
    • Revenues generated (Manual, System or Both)
    • Balance sheet
    • System overview
       
• System configuration settings – where the administrator can customize the system as well as the initial setup of the account types, transfer fees, etc.

Main features the Users are able to access:

• Account balances – which shows all accounts with current/available balances, including optional associated debit card accounts. Additionally the user may view the last 10 transactions of any account for a quick overview.

• Messages generated by the system – when any transaction request has been executed (i.e. a requested wire transfer, manual transactions applied to an account or changes in the user profile).

• Messages sent by the administrator – contacting the user specifically or a group of users for announcements.

• Incoming wire transfers – to transfer funds from an external bank into any account. The system will guide the user to create a print out of a pre-elaborated page with the needed information such as the correspondent bank information and the user’s personal reference account number. This can then be faxed by the user to his bank.

• Outgoing wire transfers – to wire transfer funds out of any account. The system will provide an on-line form with the needed details for the wire transfer to be later executed by the system administrator. Includes the option to select which transfer fee to apply (i.e. standard or express).

• In-house transfers – to transfer funds between accounts of the same user or to transfer funds to an account of a different user.

• Optional Debit Card funding – this creates a request to the system administrator to execute a debit card funding (only debit card accounts pre-associated to any user). Includes the option to select which transfer fee to apply (i.e. standard or express).

• Profile editor – to view/modify the user’s profile and password in the system.

• Reports
  • Specific account transactions
  • All accounts executed transactions

Technical Overview The NexorOne™ online banking system has been developed mainly using PHP. It’s a server side setup that deploys dynamic content that interacts with the MySQL database to supply the information through a user friendly interface. This is a very powerful and scalable solution that is affordable as needs grow. Since the system is fully internet cross-browser interface only, it’s not bound to any specific browser, software or to any operating system, offering total hardware and software flexibility for the administrator and the users of the system.

User Interface Specs User friendly interface with easy navigation menu Export to Excel and Word options throughout the system Print and Email information from different screens Wire Forms developed according to SWIFT format standards Resolution: 800x600 minimum, 1024x768 preferred Fully Cross-browser compatible:

Minimum Suggested Server Requirements PHP Version 4.3.7+ MySQL 3.23.54+ Linux Operating System 2.2+ Web Server with SSL and PHP support (i.e. Apache Web Server 1.3.33+) SSL Certification for Cryptographic Security

Usability Multi Currency support Multi Administrator Multi Region Friendly (i.e. formats) Multi Language capable Customization options (i.e. colors, logos, titles) Debit Card Packages integration Detailed real time reporting System has confirmation messages with information showing the requests, before executing them. Accounts have current funds and available funds (i.e. when transfers are requested the funds are no longer available, but stay current until the transaction is executed or denied by the administrator)

Macrobank technology is an innovative and reliable financial software platform designed to build bespoke solutions for banks, money service operators and corporate treasuries.  Macrobank-based products support a wide range of functionality in accounting, customer management, product definition, transaction processing, compliance, reporting and other aspects of banking and financial business. Our software solutions meet the needs of today and are capable of addressing the challenges far into the future. 

Macrobank's power and flexibility provide our clients with a unique opportunity to improve their operating efficiency and document workflow. Advanced system architecture makes it possible to customise solutions without relying on the software supplier and, thus, considerably reduce maintenance costs.

Macrobank-based solutions also come in standart packages for customers with tight implementation timetables. Standard packages may contain any logical combination of available components to cater for the specific needs of each customer  without programming intervention.  

Multi-currency Accounting

Multi-currency accounting is the core component of Macrobank financial software platform. It comprises user definable chart of accounts, in-built fully functional multi-currency general ledger, account management module and account classification facility.

Banking transactions are processed in real time with necessary accounting entries, generated from relevant modules, automatically posted to the general ledger. The system's general ledger supports two types of entries: actual and nominal. Balances are only affected by actual entries whether posted manually or automatically, while nominal are used by the budgeting module for financial projections.

Key Features

• - In-built fully functional multi-currency general ledger
• - Real time transaction processing
• - Real time updating of account balances
• - Transaction reversal capability
• - Back and forward-valued entry processing
• - Multi-currency customer accounts
• - Account statements with drilldown capability
• - Account classification facility
• - Balance sheet and profit & loss reporting
• - Classification-based reporting
• - Consolidation engine
• - Budget monitoring

Anti-money Laundering

Financial institutions and other regulated entities are legally required to have special controls in place to prevent and report money laundering activities.  Macrobank's AML subsystem will enable financial institutions to detect, investigate and report transactions of suspicious nature to relevant authorities. The subsystem provides automated monitoring of accounts, customers, and correspondents in search of suspicious activities and possible money laundering. 

Macrobank's AML subsystem covers all major areas of AML compliance and streamlines AML processes in the financial institution. It comprises the transaction reporting module, customer identity management module, which is part of Macrobank's KYC management, and transaction monitoring module, designed to identify suspicious transactions or patterns of transactions, which may qualify for suspicious activity reporting.

Key Features

• Currency transaction reporting (for transfers exceeding a specified amount)   
• Customer profile setup 
• Transaction patterns setup
• Monitoring customer transactions against their recorded profile, account history and industry average
• Alert rules setup
• Generating alerts where unusual activity is suspected
• Exercising due diligence processes for suspicious transactions
• Verification of the customer's identity
• Identification of blacklisted individuals, entities and countries
• Document validity period checking
• Dormant account tracking

Correspondent Banking

Correspondent banking facility enables the message exchange between the financial institution and its correspondent banks, automated incoming message processing and account reconciliation. It comprises Outgoing Message Processing, Incoming Message Processing and Reconciliation modules.

The sub-system fully supports SEPA, SWIFT and other XML-based formats. Outgoing messages are generated and released for uploading to the SWIFT interface at a specific processing stage defined in the workflow engine.

Incoming Message Processing module handles advice notes and statements received from the correspondent bank. The module automatically identifies payees on the advice note and creates a work queue of required credits to be made to respective accounts upon the receipt of confirmation. Internal accounting records and statements are reconciled in real time. Unmatched items are moved into a suspense account until their proper disposition is determined.

Key Features

• - Real time operation
• - SEPA, SWIFT and other XML-based formats supported
• - STP-based incoming message processing
• - Mismatch reporting

Report Generator

Report generator is a powerful and flexible reporting tool that provides comprehensive reporting functions. It enables the production of reports to comply with requirements of different regulatory authorities and meet information needs of the institution's management. 

Each system module is supplied with a wide range of pre-defined module-specific reports which can be extended with custom reports set up by the user. Report generator gives the user the ability to design and programme any conceivable report, whether simple or complex, module-specific or system-wide.

Key Features

• - Comprehensive reporting functions
• - Powerful generation of professional reports
• - A wide range of standard reports available
• - User definable custom reports
• - Statistical and analytical reporting
• - Ability to define reporting logic
• - Ability to define database queries
• - Ability to design query dialogues
• - Export to spreadsheets
• - User access level controls