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Cajamar expands its customer services.

Industries:

  • Financial Services

Offering Groups:

  • Solutions

Solution Areas:

  • Financial Solutions

Regions:

  • Spain

Challenges:

  • Firmly committed to technological innovation, it adopts a multichannel platform to make it easier for its customers to undertake their transactions.

Benefits:

  • Expansion of the business operations per channel potential.
  • Reduction in development costs owing to the transfer of part of the weight of the resources needed for development from host to middleware.
  • - Improvement in the management of corrective/developmental maintenance of transactions as a consequence of under-demand distribution from workstations compared to planned distributions.

In its status as the most highly-developed savings bank in Andalusia, Cajamar is unrelentingly committed to technological innovation in order to improve its customer service and to heighten the quality of its staff 's work.

Cajamar decided to renew the entity's electronic banking as a consequence of scalability problems with the previous solution caused by the growth experienced. This was due to a recent exponential rise in user numbers.

Fujitsu España Services, S.A. was the corporation chosen to help Cajamar update its infrastructure. The solution was based on the multichannel MDCS Tpnet platform and on Fujitsu multibackend information.

The solution provided by Fujitsu was designed in collaboration with Cajamar. It sets the bases for enhancing the growth and expansion of the entity's business in relation to solution availability, enabling access to contents / external business supplier applications and their straightforward replacement when it is thus required by the entity's interests.

Furthermore, the solution boasts an integrating architecture which enables one single channel to construct operating mechanisms which are capable of accessing necessary information regardless of the backend used, under the same business unit.

It is worth highlighting that the Fujitsu MDCS Tpnet solution adopted by Cajamar allows the business logic of the traditional host to be transferred to the multichannel middleware in order to enable other information sources to be incorporated in a standardized fashion and to set up transactional environments between heterogeneous backends.

Finally, it is noteworthy that the Cajamadrid solution in its entirety may be exported in a modular fashion and by applications to other customers.

Customer Profile

The Cajamar Andalusia rural savings bank boasts a commercial network of 751 branches and operates in Almería, Alicante, Barcelona, Cadiz, Ceuta, Gerona, Granada, Madrid, Malaga, Melilla, Murcia, Segovia and Valencia. In 2004, it opened 35 branches, thus maintaining the growth rate which Cajamar has been implementing in recent years.
http://www.cajamar.es

Solution

The solution adopted by Cajamar is the MDCS-Tpnet platform whose main specifications are:

  • Solid platform: mature in the financial entity marketplace.
  • Multichannel.
  • Multibackend.
  • Multi-language.
  • Description not program-based.
  • Scalable.

MDCS-Tpnet is a development and multichannel integration platform based on a database repository which increases productivity, reduces maintenance and facilitates future technological migrations.

MDCS-Tpnet provides Cajamar with a simply-designed, high-performance, standard technology-based production environment for branches and Internet channels.

We can say that the solution is centralized with almost light (financial terminal) and light (Internet channels) customers, boasting high-stability and efficient consumption and response times. As it is centralized, the solution allows streamlined development changes.

Fujitsu has undertaken the following projects for Cajamar on the MDCS-Tpnet platform:

  • Total migration of transactional procedures in Cajamar branches.
  • Total migration of the Internet channel operating mechanism such as electronic banking.
  • Development of new applications of which the following are noteworthy:
    • Financial Markets and Online Broker for the branch and the Web channel.
    • RAM (risk assessment and monitoring) for the branch channel.
    • Insurance: for the office channel.
  • Development of a Global Ticketing Solution for the entity.

Benefits

The main benefits reaped by Cajamar on adopting a Fujitsu solution can be summed up as follows:

  • Expansion of the business operations per channel potential, affording access to multiple backends.
  • Rationalization of development equipments: the same equipment develops for different channels, enabling growth priorities to be established wherever the entity needs them.
  • Reduction in development costs owing to the transfer of part of the weight of the resources needed for development from host to middleware.
  • Improvement in the management of corrective/developmental maintenance of transactions as a consequence of under-demand distribution from workstations compared to planned distributions.
  • Development and technology investment guarantee as the developments are modeled and stored in a repository and are generated on the basis of state-of-the-art technology at the time. This means that it is easy to develop towards new technologies.
  • Improvement in the stability of the branch solution as critical points disappear: communication service provider (tuxedo customer) and database service provider (SQL Server).
  • Reduction in customer branch license costs as service provider license costs are eliminated.
  • Scaling of the solution to any business content supplier thanks to the versatility of the solution architecture connectivity.
  • Exporting of the solution to other customers, as in the case of BESSA.