Sigma is the leading banking Solution Provider in Indonesia


	Conventional

	SIGMA \| Alpha BITS Alpha BITS is a core banking system for day-to-day operation which connects every link in the interrelated chain of banking activities, covering as broad aspects as delivery channels such as teller and customer service, and back office like accounting and general affairs. Developed as an industry-standard banking application, Alpha BITS offers integrated functionality with six main modules: kernel and security, CIF, retail, deposit, loan, and general ledger. This exceptional quality creates, seamless point-to-point transitions, from table parameter and customer information recording upon account opening, to loan management and balance sheet processing for executive decision-making. As it runs o�n a fully centralized network, Alpha BITS supports o�nline inter-branch connection. It entails minimum-effort installation, requiring simple PCs or dumb terminals with a modem-router, connected to a central server in a designated location such as head office. With its integrated design architecture, Alpha BITS can be easily incorporated with third party applications. AlphaBITS was selected to include in nomination of softwares produced by Indonesian Company to receive Asia Pacific ICT Award ( )in the Industry Application category. After a very short 5-day preparation of "road to APICT Award 2001 ( )", finally PT SIGMA CIPTA CARAKA won the Merit Award for the best industrial application Alpha BIts Core Banking System. For more information, please contact : info@sigma.co.id

	Syariah

	SIGMA \| SHARIAH In the last few years, Indonesians have increasingly chosen to do business with banking institutions that comply to the principles of Islamic Banking (Syariah). In a country with the largest Muslim population in the world, retail banks now have a rapidly expanding opportunity to capitalize o�n this emerging trend. However, customers also demand equally fast, efficient and transparent services, which can o�nly be delivered by an industry-standard Islamic core banking system. SIGMA \| SHARIAH is a core banking system specifically designed to follow the principles of Islamic banking, which is based o�n the concept of profit and risk sharing rather than fixed income. Like its cousin SIGMA \| Alpha BITS, this set of bank applications system offers multiple benefits, including scalability to handle growing transaction volume, multi-branch, multi-currency. This core system, which was co-developed by Bank Syariah Mandiri and SIGMA, Islamic banks no longer have search far and wide for the right solution. For more information, please contact info@sigma.co.id

	Phone Banking System

	Sigma�s telephone-based banking system enables retail customers to retrieve account information, transfer fund, and inquire information on products and services via telephone, from anywhere, 24 hours a day. Implementation of Sigma Phone Banking System can substantially reduce customer traffic in branch offices, effectively reducing operating expenses as phone-based transaction costs lower than over-the-counter service.

	Internet Banking System

	Enabling banks to serve corporate customers 24 hours with such services as funds transfers, o�nline bill payments (telephone, electricity, and many more), and balance inquiry among others, implementation of Sigma internet banking system also provides corporations with a centralized cash management system to support business-to-business (B2B) transactions processes. Our solution features multiple approval levels (data entry, verifier, and executor) for maximum transaction security.

	SMS Banking System

	One of the featured delivery channels is SMS banking, which provides customers with 24-hour banking services via text/ short message service (SMS). Alongside such core transaction as money transfer, SMS banking also delivers various account-related information including remaining balance, interest rate, new products, as well as bill payment capability and purchases of assorted consumer services. The plain text-based SMS service is compatible with any SIM card and global in nature, accessible from any spot in the world where a GSM network is present. And with every transaction protected by combination of randomly challenged 2-digit, maximum security stays in check at all times.

	Alert Engine - Kiosk

	A purely non-cash delivery channel, Sigma Kiosk supports most of the non-cash transactions provided by the ATM - bill payment, balance inquiry, fund transfer, voucher purchase � minus check deposit feature, which by the way is gaining popularity these days. More importantly, in line with the long-term goal of serving customers with a nearly perfect non-branch banking experience that provides a complete range of services, 24-hour availability, and convenience, Sigma Kiosk offers an entirely new features rarely found anywhere else: Ability to purchase movie and airline tickets. The setup mirrors that of the ATM, consisting of a touch-screen, keypad, a server, and application and database software, all working in unison with the headquarters/ data center via an Internet connection. Despite such resemblance, Sigma Kiosk beats the conventional in one of the critical considerations in investment in new technology � price � carrying a price tag a fraction of that of its counterpart.

	Data Cleansing System

	Data cleansing is what Sigma Data Care is all about. Purifying database of duplications and invalid data, Sigma Data Care handles various cases of potential duplications, including incomplete entry, non-standard format, typos, and multiple addresses. Among its major functions, Sigma Data Care profiles data to define optimum setting and business rule, identifying data combination and standardization format, and categorizing the data into �duplicate� and �potential duplicate�.

	Loan Origination System

	Sigma Loan Origination system is the precise tool for efficient loan administration � a computer-based system that overhauls the entire process from loan origination to approval; replacing paper with Web-based form exchanged across a network, and getting rid of filing cabinet in favor of database. Sigma Loan Origination emerges to the scene at just the right time, not only streamlining business process and optimizing resources, but more importantly, increasing accuracy by reducing human error. It functions as a plug-in that connects in real-time to a core-banking system. It retrieves data from a customer database for processing and later generates a new set of information on prospective obligors.

	Signature Verification System

	Our signature verification system utilizes fully automatic verification methodology. It captures, stores, manages, retrieves, and displays customers' signatures o�n the computer screens within seconds. Essentially, it enables retail banks to provide faster check information and clearance, allowing check payment decisions to be made more quickly and with increase assurance of security.

	Web Branch

	Web Branch is a thin-client teller system geared toward facilitating banks in market expansion by deploying a mobile branch built upon a table, a teller, and a PC. It is technically similar to a conventional teller application used by brick-and-mortar branch, structured with sufficient features and capacity to support basic banking transactions - account opening, deposits, and withdrawals � as well as sets of parameters for easy customization. The interface runs on a browser in a PC connected to a dedicated server, which processes all transactions and sends the resulting data over a dial-up Internet to headquarters/ data center for end-of-day processing and synchronization. The simplicity of Web Branch gives it an advantage over a brick-and-mortar branch: cost effective, as well as easy and quick to set up. All things considered, it delivers the versatility and speed required for capitalizing on prospective niches and opportunities with minimum financial resources and considerably short time.

	Consumer Asset Purchase System

	Sigma Consumer Asset Purchase System (CAPS) facilitates banks in administering the acquired loan portfolio. This web-based application spans across the whole process, starting from account validation where data integrity, criteria fulfillment, duplicate, blacklist, and credit facility are scrutinized and verified; to loan disbursement, accounting reporting, account reconciliation with consumer-finance, and reports delivery to Bank Indonesia. It provides the bank with an across-the-board view over all accounts, giving a full access to personal information; amount, period, and interest rate of the loan; payment schedule; nature and brand of asset under financing; document status (on hold, on lend, on hand), and many more. More importantly, Sigma CAPS helps the bank deal with bad debts through an alert mechanism, which warns when a particular customer begins to fall behind payment schedule � a common sign of potential default. It calculates the right amount to be put into bad-debt reserve, based on individual loan�s collectibles.

	MTV ( Management Top View)

	A digital dashboard is to provide quick and easy graphic view of your organizations performance on daily status basis. Management Top view provides the following information: Account Portfolio which provide your company with complete view of Funding & Lending products portfolio Company Performance which will enable your company to analysis and manage Financial performance and trend of the Organization CAMELS indicator which will Enable your company to monitor Company Financial health based on Central Bank Indicator requirement on daily basis

	Enterprise Application Integration

	Managing flow of information from various sources across applications and networks, Sigma Enterprise Application Integration serves as the central hub for transactions and messages interchange. Its core is routing, switching, and management functions of all transactions.

	Integrated Transaction Management System (ITM)

	ITM is a comprehensive integrated authorization, payment and card processing solution that is the result of our 25+ years of experience in providing solutions for transaction processing, documents, and communications. Just as its name implies, ITM is a unified and expandable solution that manages ATMs, POS devices and merchant networks, international connections such VISA, Master and Europay, regional network solutions such as ATM Bersama, Rintis, Alto, card systems for credit cards, debit cards and smart cards, and bill payment.

	LENDOR - Optimizing Your Finance Business



	SIGMA \| Financore

	Emerging intact from previous-era economic crisis, consumer financing has proven to be a lot less vulnerable to market turbulence than its corporate cousin, as consumers are looking for another way to finance capital-intensive consumption. Recognizing these situations, we have the initiative to deliver the solution to the financial institution, especially multi-finance and leasing company. This solution will cover the core finance systems; it will integrate elements within the complex process in multi-finance company, such as database customers and database partners (dealer, insurance company, etc). SIGMA \| FINANCORE solution covers the whole business process from customer loan application processing into the expansion to multiple delivery channel such as send alert to customer by sms (short message system) at their hand phone. These tools, are flexible, and scaleable, and can support the entire credit process-whether products are purchased through the Web or through traditional channels. By automating the credit business process, multi-finance organizations can improve productivity and effectiveness, while enabling e-commerce through web access platform. For more information, please contact info@sigma.co.id

	SIGMA \| Insurance

	Sigma \| Insurance provides complete capabilities to address a typical day�s operation and increasing complexities, extending across the whole cycle of insurance business functions such as marketing, underwriting, claim, and reinsurance. Sigma \| Insurance uses modules that it can be expanded flexibly with minimum time and technical effort, by plugging in new modules. This is a great advantage for an industry characterized by constant changes in terms of business and regulation.