Profile Overview

Profile’s real-time processing architecture provides immediate updates to the system of record and completes every transaction at the point of sale, optimizing workflow and virtually eliminating reprocessing and reconciliation. Straight-through processing improves operational efficiency, information accuracy and customer service levels. Institutions using Profile as their core banking system experience industry-leading total-cost-of-ownership-benefits based on increased operational efficiency, as well as dramatically lower infrastructure costs.

Enables Business Agility and Competitive Advantage

Profile has a unique product architecture that is designed to dynamically adapt to the changing demands of the industry. Its core infrastructure is composed of thousands of modular features that are selectively assembled and combined to create retail and commercial banking products. These components enable all types of financial institutions to interactively and rapidly assemble new products that meet their unique business requirements and evolving market conditions. The product components are shared across traditional application and line-of-business boundaries, ensuring the most flexible configuration options. Through bank-defined overlays and rules, product definitions can be customized at various tiers down to the individual account level. Profile’s unique market-of-one capability follows retail best practices and provides an environment where each account is its own product.

Provides Consistent, Real-Time Customer Experience Across All Channels

Profile provides real-time integration with all delivery channels and enterprise middleware through an event-based services architecture (SOA). With appropriate authentication and entitlements, access is provided to the entire application and database through industry-standard interfaces. To specifically facilitate cross-industry integration, Profile supports the Interactive Financial eXchange (IFX) message standard.

Supports Growth and High Volume with Exceptional Reliability and Service Levels

Profile has been formally benchmarked at more than 3,000 online transactions per second and greater than 16,000 system-generated transactions per second. It has been benchmarked on configurations with up to 50 million accounts in a single database. The system is in production in multiple installations containing many millions of accounts, including a client that is running more than 16 million accounts in a single database. Profile’s extraordinary scalability is delivered in an environment that provides continuous 24x365 availability for all channels. It is implemented in a high-availability configuration that includes real-time local and near-real-time remote business recovery.