Office Banking application is an off-line application which has its own local data base. The user can create all requests in off line regime, and they are recorded on the local data base of application. After that it is enough just to perform synchronization, when internet connection needs to be established, and requests are sent to the bank for processing, while user takes over statements and data about daily changes on the account and current balance, which are also stored in the local data base and can be then used in off-line regime.

For large corporate clients Banca Intesa recommends the use of Office Banking Enterprise application as a special service supporting multi-user work with a centralized database (SQL database) and multiple client applications (Office Banking) that access the database. This application involves different levels of authority:

• person authorized to take over from the Bank daily statements, account balance, daily changes
• person authorized to create order transfer
• person authorized to sign order transfer

Each of the listed authority includes the authority previously stated.

Users of E-BANKING solution are able to:

Additional functionality:

• transactions limits
• independent signature
• double signature (payment orders must be signed by any two authorized persons in order to be executed)
• group signature (two groups of authorized users, payment orders must be signed by one person from each group in order to be executed)
• choice of language
• multi-bank support

High level of integration with client’s information system through:

• import orders in XML, TXT, XLS and Multi Ebank (TXT) form
• export statements in XML, TXT, XLS and form