RIBS4 has an open and flexible application architecture with a very high transaction processing performance. The technical solution consists of a variable number of application nodes linked to an enterprise wide data warehouse and a "message highway". The message highway integrates application nodes with the additional benefit of parallel message processing and permits the transparent 2-way interfacing with the outside world without disturbing the existing application environment.

Application main features

	Multi-branch, multi-currency and multi-lingual
	Real-time or "authorization processing" modes
	High level of integration
	Modular
	Front-office, middle-office and back-office functions
	"Four-eyes" process authorization
	Generalized field level validation, field defaulting, on-line help and search facilities provide an intuitive and user-friendly environment
	Multi-level access control, at process level and data access level
	Unique deal numbers across the system allowing online tracking of accounting entries "top-down" or "bottom-up" and cascade navigation providing powerful inquiries
	User-input audit trail and "significant events" notification
	Flexibility due to a high degree of parameter driven processing
	Powerful embedded report facilities, SQL compatible for external reporting applications
	Data warehousing
	Full audit on master files and tables amendment history (auditing online inquiry and reports)
	Comprehensive report generator
	PC download and reporting (Excel, Access, etc.)

The general functional characteristics of RIBS4 can be described as follow:

Comprehensibility

Reliable customer service imperatively requires the availability of the right information at the right time. The RIBS4 Banking System provides complete, fast and accurate banking processing at the lowest costs. Risks taken on both customers and bank positions can be monitored at any time.

Flexibility

In order to satisfy without delay new needs from customers, the RIBS4 structure minimizes the time to market. Being a highly parameter driven application, the RIBS4 Banking System provides very specific customization options in areas such as accounting rules, calculation (interest, commissions, fees), reporting, input masks, languages, mailing instructions etc. and allows the handling of a wide scope of instruments without changes in the core system. Being a multi-branch, multi-currency and multi lingual system, RIBS4 can be implemented in a wide range of countries.

Reliability

There are no better arguments for RIBS4 and WINTER PARTNERS than the fact that it is successfully used for more than 20 years and that WINTER PARTNERS has proven its ability to adapt the products continuously to the changing technologies and market needs.

Integration & modularity

Integration and modularity are a typical strength of RIBS4's architecture: this gives a great flexibility by the implementation in order to meet customer's needs and integrate their others applications with RIBS4.

User-friendliness

The RIBS4's friendliness is based on:
	Customized and easy-understandable menus, that insures a short training time for the staff.
	Extensive use of default values, on-line help, search facilities and on-line validations which support high productivity and prevent errors.
	Comprehensive set of Front Office, Middle Office and Back Office inquiries with top down and bottom up "cascade" navigation.
	Wide range of reporting and graphics facilities through its integrated Report Generator. In addition, the SQL compatibility makes the data accessible to a wide range of external reporting applications such as word processing, spreadsheets, etc.

Access and data control

RIBS4 supports fine-tuned access control to the system, customers, transactions and data. It contains also a range of operational and accounting consistency control tools. All sensitive processings can be modeled as "four eyes" processes and a wide range of functionalities support the decision making as well as the control.