If your institution offers banking products and services, mortgage products, brokerage services, insurance products, and trust services, you know how important -and challenging -it can be to understand your customer’s complete financial portfolio. Typically, a customer’s information for each of those products and services resides on different systems with duplicate CIS and other demographic information. Whenever you want to get a true picture of a customer’s financial portfolio, you must manually consolidate information on multiple accounts from multiple systems.

Cardinal Software developed its Relationship Banking System™ (RBS) to address this problem. RBS is a browser-based application that manages and tracks a customer’s complete demographic information as well as account information across the various systems on which they reside. It provides a complete, consolidated view of any financial information the customer has authorized you to access, whether that information resides at your institution or elsewhere. Each night, using a secure Web connection, RBS updates your customer's financial portfolio with data from your Cardinal/400™ system as well as your customer's data from any of the systems at financial institutions you have been authorized to access. The result is a complete, consolidated view of your customer’s financial information.

With this consolidated, current view of a customer’s financial portfolio, your bank has a powerful tool to help investment managers provide the best possible guidance to your customers. RBS can also help your bank identify new opportunities to generate new business. For example, your bank may have a product that offers your customer a better rate of return or a loan that offers more favorable lending terms. RBS takes the headache out of working with multiple systems and positions your bank to focus on your most important asset, your customer.

Name, address, contact and family information Notepad and notepad history Contact history Direct e-mail Integrated Word-processing using MS Word Current financial products and interests Personal information Consolidated view of all accounts by type (banking, brokerage, trust, insurance, loans, etc.) Aggregate customer asset amounts for cash and loans outstanding Not-Held (or held-away) account tracking Integrated select financial calculators Individual and consolidated account reports for all account types Direct marketing campaigns Account balances updated nightly Other select demographic information updated nightly

Cardinal Software can also integrate your choice of alternate relationship management or CRM systems into Cardinal/400™.