Market Trends
Banks are increasing the issuance of Certificates of Deposit.
The trend of upgrading the Vietnamese stock market is creating a favorable environment, attracting large investment flows. Simultaneously, there is a significant increase in the demand for professional custody and supervision services, ensuring transparency and security for transactions.
Investors are looking for new products.
The boom in investment funds and the extensive participation of institutional investors are reshaping the market. This has led to the emergence of complex financial assets such as mutual funds, green bonds, and ETFs, requiring more sophisticated regulatory mechanisms.
Enhance product structure
In the digital age, Custodian Banks face pressure for comprehensive digital transformation. The urgent need is for an open, highly integrated system with third parties (Open Banking), ensuring flexibility and scalability in the future.
Overview NAVISOFT CDMS
Comprehensive Solution
Comprehensive solutions for Certificate of Deposit operations.
Providing a specialized system that efficiently and accurately handles all operations related to fund certificates, from issuance and portfolio management to secondary trading and maturity.
Highlights
High processing capacity & comprehensive automation.
The system is capable of handling large transaction volumes. Automating the entire product lifecycle eliminates errors and minimizes manual tasks.
Outstanding benefits
Optimize operations and enhance customer experience.
It offers a double benefit: reduced operating costs, increased internal efficiency, and the provision of fast, accurate service, enhancing customer satisfaction and trust.
Overall model
CDMS function
System Architecture & Technological Strengths
Microservices & API First Architecture
The microservice architecture allows components to operate independently, optimizing scalability and enabling flexible development and deployment of individual services without impacting the entire system. The API First philosophy ensures superior connectivity and integration, creating a solid foundation for expanding the digital ecosystem and connecting with partners.
High stability and security
The system is designed with high technical standards and rigorous testing procedures, ensuring continuous 24/7 operation, stability, and reliability. It complies with leading security standards, end-to-end data encryption, and multi-layered protection mechanisms to ensure absolute safety for customer information and transactions.
Outstanding performance
The platform is optimized to handle extremely high transaction volumes in real time, meeting the needs of large-scale banks. Low latency is ensured through code and database optimization, providing a fast and smooth user experience in all operations.
Advanced applied technology
Utilizing intelligent monitoring tools (OpenTelemetry, Grafana) to optimize system operations. Continuous development processes (CI/CD) and Agile methodologies enable rapid updating and deployment of new features, maintaining a competitive edge and technological leadership.
CDMS System
System Setup & Platform Portfolio Management
Core Function
This is the foundational subsystem, responsible for configuring, defining operational parameters, and managing the entire database, ensuring a solid foundation for the operation of the entire CDMS system.
Set Parameters
Defines trading time, standard term, unit of measurement, trading limit, etc.
Issuer Management
Declare and manage information on issuing companies and their corresponding certificate of origin codes.
Distribution Channel Management
Manage business units, distribution agents, and sales staff.
Partner Management
Managing intermediary organizations and market makers.
Fee and Tax Configuration
Set up flexible transaction fees, taxes, and commissions for each product.
Establishing Profit Rules
Define the conditions and formulas for automatically calculating interest/loss on Certificates of Deposit.
CDMS System
Product Management & Primary Issuance of Certificates of Deposit
Define and configure a variety of Certificate of Deposit product lines, including: name, flexible term (from 6 months to 5 years), interest rate (fixed/floating), interest payment method (periodic/at maturity), renewal policy, and early maturity conditions.
Support the process of issuing Certificates of Deposit to the primary market for investors, managing issuance rounds, including: recording transactions of Certificates of Deposit purchases from investors and managing distribution through agent channels or partner banks.
Centralized storage and management of all issuance records, product terms and conditions, as well as a list of outstanding Certificates of Deposit, transaction history, and maturity alerts.
CDMS System
Secondary trading and centralized order matching
Flexible order placement support for buying/selling Certificates of Deposit in the secondary market.
The centralized order matching module automatically processes orders based on a price-time priority principle or a bidding mechanism.
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Provides tools for monitoring the market price and managing the liquidity of Certificates of Deposit in real time.
Automatically calculates interest/discounts on transactions, ensuring absolute accuracy.
A specialized subsystem for managing market makers and intermediary organizations.
Provides tools for analyzing, monitoring, and regulating the supply-demand balance in the market.
CDMS System
Interaction and Notification Subsystem
Centralized and detailed management of individual and institutional investor profiles, creating a 360-degree view of clients.
Monitor and manage the performance of business units and dealers, and allocate customers to sales staff optimally.
The automated system calculates and processes commission payments to agents and sales staff based on transactions, ensuring accuracy and transparency.
Deep integration with email and SMS systems for sending automated notifications.
Instant transaction confirmation, giving customers peace of mind about their assets.
Instant transaction confirmation, giving customers peace of mind about their assets.
Automatically send periodic reports (weekly/monthly/quarterly) on investment status to clients
The system monitors and sends alerts when there are unusual fluctuations or discrepancies in the data.
Providing timely information helps investors and banks make quick decisions.
Provides an interface that allows administrators to set flexible notification rules.
Enable notifications based on transaction status (e.g., Successful transaction, Pending order).
Personalize the content and frequency of messages sent to different customer groups or products.
CDMS System
Payment, Accounting and System Integration
Automatic Payment
The system automatically makes principal and interest payments on the Certificate of Deposit upon maturity or early settlement, ensuring high accuracy and saving operational time.
Core Banking Integration
Deep integration with Core Banking to automate withdrawal/transfer processes, transaction accounting, and tax/fee calculations, optimizing business processes.
Synchronize Accounting
Automatically generate accounting entries and continuously synchronize data across the entire system, enhancing transparency and data integrity.
CDMS System
Reporting, Statistics and Record Management
Collect and synthesize data from multiple sources to support quick verification, retrieval, and strategic management decision-making.
Provides in-depth reports: transactions, distribution sales, performance evaluations of each agent/channel.
The report summarizes investor assets, deposit certificate balances, and offers secure electronic storage and easy retrieval of deposit certificate records.
Automatically generate tax/fee reports, effectively supporting internal audit processes and regulatory requirements.
Supports data export using the State Bank of Vietnam's standard template or fully customized to meet the specific needs of each bank.
DATA TRANSPARENCY: Providing a 360-degree view of business operations.
ACCELERATE DECISION-MAKING: Real-time data helps management respond quickly to the market.
IMPROVE EFFICIENCY: Reduce manual report compilation time, freeing up resources.
ENSURE COMPLIANCE: Fully meet all reporting requirements of government regulatory agencies.
Reasons for choosing Navisoft & Implementation Process
CDMS System
Superior Digital Financial Platform
A flexible, open, high-speed, and secure platform designed to lead the way.
Professional Implementation Process
The flexible 6-step process ensures successful implementation, on schedule, and tailored to the specific needs of each bank.
Superior Efficiency & Problem Solving
Addressing the shortcomings of manual processes, delivering practical benefits.
Commitment to Partnership & Development
NAVISOFT is not just a supplier, but a strategic partner, committed to long-term support and development with the Bank, ensuring sustainable success for the project.