Cobiscorp Markets

Our products are designed to satisfy the requirements of almost any kind of financial institution, no matter its business model or size. We provide a complete family of products that combine technical and functional solutions, which effectively and efficiently improve operations in the real business environment. Many financial institutions are being forced to rethink their strategies and provide a wider range of products and services to serve their target market. Below, we summarize the different functions of the various kinds of banks, all of which are covered by COBIS software modules. The increasing trend toward crossover functionality highlights the need for a truly universal banking platform such as COBIS.

Corporate Banking   Specialized in service to corporations, multinationals, and large enterprises, providing the financial support necessary for adequate business development.   Placement of funds in either demand or time deposits. Direct credit services, oriented to capital, inventory and real estate purchases. Financing through: Foreign trades. Factoring. Leasing. Checking account overdrafts. Guarantees. Credit card accounts. Stock and exchange intermediation. Money transfers. Trusts. Payments and covers of general service.   Personal and Retail Banking   Oriented to satisfying the financial requirements of individual persons and of small and medium-sized enterprises (SMEs).   Checking accounts (personal, nominal, business). Savings accounts (personal, nominal, business). Certificates of deposit (CDs, time deposits). Credit accounts with proprietary and rediscounted funds: Personal. Housing. Consumer. Credit card. Leasing. Factoring. Currency exchange. Money transfers. Insurance sales. Service and bill payments.   Savings, Loan, and Mortgage Cooperatives   Non-profit entities whose principal activity consists in providing products and financial services that cover the necessities of their members and of the collective group or community.   Savings accounts (personal, nominal, program). Certificates of deposits, fixed term. Credit services for: Housing. Working capital. Consumer goods. Credit card. Insurance sales. Service and bill payments. Money transfers

Microfinance Institutions   Non-profit and for-profit, private and public, these are enterprises that serve the lowest income sectors of the society, in such a way that their customers can improve their incomes and living conditions.   Savings accounts: Individual. Group / Communal. Program. Certificates of deposit. Credit services: Individual. Group / Communal. Microcredit. Money transfers. Service and bill payments. Administration of bank accounts. Mobile-access microfinance.   Intermediate Banks (Second Level)   Banks specialized in channeling financial resources (proprietary and third-party) to the market through IFIs (Intermediate Financial Institutions), supporting important sectors of the economy such as agriculture, electricity, finance, telecommunications, infrastructure, real estate, and microfinance.   Credit lines: Working capital. Machinery purchases. Manufacturing. Agriculture. Microfinance. Stock and exchange intermediation. Money transfers. Trusts.