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User Manual Oracle FLEXCUBE Direct Banking Personal Finance

1. User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management View Transactions Download bys Close the View Transaction window The Spending Analysis Graphical View is updated as 43 Updated Spending Analysis Graphical View v Spending Analysis All Gom 10411735 SPEND2 10412001 SPEND4 10411591 SPEND1 Search Last Six Months From Date Currency All M Category Shopping View Trend of last six months Shopping E Legal Expenses Term Deposit E LOAN ES amp es 6 v d A c e Bl Others Amount in GBP V S Categories For Multiple Categorizations jT Login to the nternet Banking Spending Analysis To Date Clothes ElectronicShopping Amount in GBP V S Categories Navigate to the PFM Manage My Finance Spending Analysis section Click the View Transactions button available on the Spending Analysis page The following page is displayed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 44 Spending Analysis Transactions v Spending Analysis Category Shopping View Trend of last six months You have selected 2 records View Details Wrap Customize Columns Downlo Date gt 1 Account Transaction Ref No Transaction Description Amount Equivalent Currency Amount gt 11 03 2014 10412001 1040412001018 104DEBK1407000
2. 77 5 of 75 18 Phone bill 516 of 40 ill of 100 Cable TV bill eee 22 of 50 October Bills 550 of 700 ku M i Electricity 77 5 of 75 Phone bill AE OPE Gas bil EO of 100 Cable TY bill a 22 of 50 August 2 Bills 550 of 700 Dj Ed Electricity 77 5 of 75 el Phone bill 16 of 40 Gas bill M 98 of 100 D Cable TV bil 22 of 50 Field Description Field Name Description Month or Quarter Display Budgeting November Bills 550 of 700 Ej Electricity 77 5of 75 n n M Phone bill 16 of 40 ill ss of 100 Cable TV bill A 22 of 50 September E Bills 550 of 700 pa Electricity 77 5 of 75 ST Phone bill Mu 16 of 40 Gas bill 88 of 100 le TV bill k SAE aA 22 of 50 July 550 of 700 du i Electricity 77 5 of 75 ku i Phone bill 16 of 40 gn Gas bill i 98 of 100 Cable TV bill 22 of 50 This field displays the previous month or quarter as per configuration to display the Expenses Vs Budget Category with Display Amount Display This field displays the name of the Category and Sub Category along with the Graph for the Expenses Vs the Budget This field displays the Amount for Expenses Vs B
3. Amount in GBP V S Categories p e es o Ps ome e 0 View Transactions Download Dashboard Spending Spending Note The Spending Analysis for the selected customer is displayed in the following types Pie Chart Bar Graph 7 Click the View Transactions button The following screen is displayed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 32 Spending Analysis Note The following screenshot displays the Transaction List of all the customers for the selected Category and all its Sub Categories Transactions of All Customers for the Selected Categories Sub Categories Spending Analysis Category Shopping Q 1040412001018 104DEBK1407000EA 1040412001018 104DEBK1407000EH 1040411591018 104FTIN14069C3JM 1040411591018 104FTOC14069B1YX 1040411591018 104 14069 1 1040411591018 104FTIN14069C3JM 1040411591018 104FTOC14069B1YU 1040411591018 104FTOC14069B1YU 1040411735016 104FTIN140699535 rid Account Transaction Ref No Transaction Description View Trend of last six months NEW DEPOSIT NEW DEPOSIT INTERNAL FUND TRANSFER GBP 5 00 OUTWARD CUSTOMER TRANSFER GBP 5 00 OUTWARD CUSTOMER TRANSFER GBP 12 00 INTERNAL FUND TRANSFER GBP 115 00 OUTWARD CUSTOMER TRANSFER GBP 5 00 OUTWARD CUSTOMER TRANSFER GBP 11 00 INTERNAL FUND TRANSFER GBP 750 00 EUR 11 160 00 GBP 10 000 00 EUR 11 160 00 GBP 10 000 00 GBP 5 00 GBP 5 00
4. Options Available for Goal The following page is displayed Transactions Date Narration Word Wrap Customize Columns Download Deposit Withdrawal Balance Contributed By 11 03 2014 NEW DEPOSIT 10 000 00 10 000 00 11 03 2014 NEW DEPOSIT 10 000 00 20 000 00 Records 1 to 2 of 2 Column Description Field Name Description Transactions Date Display Displays the Date on which transaction is occurred Narration Display Displays the Narration for the respective transaction Deposit Display Displays the Deposit Amount for the respective transaction Withdrawal Display Displays the Withdrawal Amount for the respective transaction Balance Display Contributed By Displays the Balance Amount till the end of that Transaction Date Display Displays the Name of the Person who contributes the transaction User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 81 Options Available for Goal Additional Features Word Wrap word Wrap Customize Columns Download Date Narration Deposit Withdrawal Balance Contributed By 11 03 2014 NEW DEPOSIT 10 000 00 10 000 00 11 03 2014 NEW DEPOSIT 10 000 00 20 000 00 Select this check box to apply the Word Wrap feature Records 1 to 2 of 2 Page 1 of 1 Lr LE Customize Columns Date Narration 11 03 2014 NEW DEPOSIT Click on check box to show hide columns NEW RERS I Select All Date
5. What are you Saving for How often would you like to contribute Funding account 49411271 1040411271050 co Number Frequency Monthly Amount 10000 000000 Start Date 30 04 2014 End Date 31 12 2014 How do you wish to receive the amount on completion of tenure Field Description Field Name Description How often would you like to contribute Funding Account Searchable Dropdown Number Select the desired Account Number for Funding Frequency Drop Down Select the desired Frequency Value from the dropdown Amount Mandatory Input Box 15 Enter the desired Amount The field also displays the Currency Type It is same as the Currency Type selected for your Saving Accounts Start Date Date Picker Select the desired Start Date from the Date Picker End Date Date Picker Select the desired End Date from the Date Picker User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 76 Options Available for Goal Edit Goal Edit Goal What are you Saving for often would you like to contribute How do you wish to receive the amount on completion of tenure A j t T 1 f doug Transfer to Users Mapped Accounts Options Account number 10411271 1040411271048 CO Field Description Field Name Description How do you wish to receive the amount on completion of tenure Account Transfer Mandatory Dropdo
6. CustomerId Account Transaction Ref No Transaction Description Amount Spending Analysis Wrap Customize Columns Dowr Equivalent Currency Amouni EUR 11 160 00 GBP 10 000 00 EUR 11 160 00 GBP 10 000 00 Records 1 to 2 of 2 Aanann Catannrine rm E Page ilz of 1 View Transactions Download 8 Verify the Transaction List again The Category column is updated as shown in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 47 Updated Category OR Sub Category Spending Analysis Category Shopping View Trend of last six months 40412001018 104DEBK1407000EA NEW DEPOSIT EUR 11 160 00 GBP 10 000 00 10412001018 104DEBK1407000EH NEW DEPOSIT EUR 11 160 00 GBP 10 000 00 amp 6 R e to 2 of 2 atannrinr ccount Transaction Ref No Transaction Description Amount Equivalent Currency Amount Category User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management View Transactions Word Wrap Customize Columns Download Print Shopping DiamondJewellery 2 Shopping DiamondJewellery KI ee 151 et 1 EJ E Spending Analysis Download Download i 48 Spending Analysis 6 5 Adding a New Category OR Sub Category The Add Category feature allows user to add a new category to the existing ones To Add a Category 1 Click t
7. Request friends and family for contribution Edit Edit your goal Participants Add your F friends and Family as participants to your goal Share Share your goals with Friends on Facebook Comparison Compare your goal performance with other people like you LL E Transactions View the OZ debits and credits on your goals xxx Redeem Redeem your goal The following page is displayed Share Goal Share Goal x Share Your goal through social media Share Goal Choose the Image to be assigned to the message Image assigned by you to the goal Default Image testsss Personalised message Field Description Field Name Description Share Your Goal through Social Media Share Goal Choose image to Mandatory Radio Button beassignedto select an image to be assigned to a category or the goal goal Personalized Optional Input Box 120 Message Enter the desired Personalized Message fConnect Conditional Action Button Click fConnect to navigate to the Facebook Login Page You must login to see the following page User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 79 9 4 Options Available for Goal Field Name Description Email Mandatory Input Box 255 Enter the valid Email ID to login to Facebook Password Mandatory Input Box 20 Enter the valid password Facebook Application for Goal Custom Privacy Make this visib
8. Action Button Click fConnect to navigate to the Facebook Login Page You must login to see the following page User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 84 9 6 Options Available for Goal Field Name Description Email Mandatory Input Box 255 Enter the valid Email ID to login to Facebook Password Mandatory Input Box 20 Enter the valid password Facebook Application for Goal Custom Privacy Make this visible to Mandatory Drop down Multiple selection is allowed these people or lists Select the desired value from the dropdown Login Drop down Click Login to login into the nternet Banking Cancel Action Button Click Cancel to cancel the Contribution Process Contribute Action Button Click Contribute to proceed with the Contribution Process Note The Contribution towards a goal can be done only by Existing Customers The contributor is able to transfer funds from the nternal Account to Goal Add participants to the goal The Add Participants feature allows you to add your friends and family to your goal To Add New Participants Navigate to PFM gt Manage My Finance gt Goal section Click Participants The following page is displayed Participants Participants x Existing Participants Click Add new participants The following page is displayed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 85 Options Available
9. GBP 12 00 GBP 115 00 GBP 5 00 GBP 11 00 GBP 750 00 Amount Equivalent Currency Amount Category Shopping Shopping Shopping Shopping Shopping Shopping Shopping Shopping Shopping ae Clothes Clothes Gifts Gifts Gifts Gifts Gifts Gifts Shoes Wrap Customize Columns Download Print 1040411735016 104FTIN140699524 INTERNAL FUND TRANSFER GBP 600 00 600 00 m Shopping Shoes 7 gt Page ilz ot 1 FC e iz es e 1to 10 of 10 to update categories and sub categories and to modify assignments please select a single customer from the filter options 4 View Transactions Compare with Peers Download b d Dashboard Spending Manage My Spending Field Description Field Name Description Note The above transaction list is displayed for the selected category Date Display This column displays the Date on which the transaction is done Customer Id Display This column displays the Customer Id Account Display This column displays the Account Number through which the transaction is performed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 33 Spending Analysis Field Name Description Transaction Ref No Display This column displays the Reference Number of the transaction Transaction Display Description This column d
10. Goal Comparison I want to Compare Mandatory Drop Down Select the desired option from the dropdown Select Goal Type Dropdown Select the desired value from the dropdown Parameter Selection for Goal Comparison Choose Income Optional Drop Down Check box Group Select the desired value from the dropdown Select the checkbox if the same parameter is to be included for comparison Choose Age Group Optional Drop Down Check box Select the desired value from the dropdown Select the checkbox if the same parameter is to be included for comparison User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 88 Options Available for Goal Field Name Description Choose Gender Optional Drop Down Check box Select the desired value from the dropdown Select the checkbox if the same parameter is to be included for comparison Choose State Optional Drop Down Check box Select the desired value from the dropdown Select the checkbox if the same parameter is to be included for comparison Compare Action Button Click Compare to compare your Goa with the selected parameter values Select the required data Click Compare The following screen is displayed Result Y Compare with Peers Term Deposit Legal Expenses Medical bills Cable Television Rent i a P 4 cm Q a e Expenditure comparison for you with People in same group as you for same age group gender an
11. How often would you like to contribute Funding account Number 10411271 1040411271050 CO x B Frequency Monthly v Amount 10000 Start Date 30 04 2014 End Date 31 12 2014 How do you wish to receive the amount on completion of tenure Field Description Field Name Description How often would you like to contribute Funding Account Searchable Dropdown Number Select the desired Account Number for Funding Frequency Dropdown Select the desired Frequency Value from the dropdown Amount Mandatory Input Box 15 Enter the desired Amount The field also displays the Currency Type Itis same as the Currency Type selected for your Saving Accounts Start Date Date Picker Select the desired Start Date from the Date Picker End Date Date Picker Select the desired End Date from the Date Picker User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 66 Creating Goal Transfer options on Maturity Manage My Finance P rmx Create Goal How do you wish to receive the amount on completion of tenure Account Transfer Transfer to Users Mapped Accounts Options Account number 10411271 1040411271050 CO Field Description Field Name Description How do you wish to receive the amount on completion of tenure Account Transfer Mandatory Dropdown Options Select the desired value from the following e Transfer to Users Mapped Accounts e Transfer to In
12. Our loans can help you put your plans in to action View our loan products to help you get that dream house car or vacation View More The following page is displayed View our Savings products to understand how you can save for a future vacation an emergency or even begin to save for retirement User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management Budget Calculator Choose Language Engish v Tools and Calculators Budget Calculator Foreign Exchange Calculator Goal Calculator Loan Eligibility Calculator ATM Branch Locator FAQs Track Application Status Review Account open Request Received an application form from your friend for your review and valuable feedback Or received an application from your co applicant for your review Respond your review request Spending Analysis You can track your spending Budget Calculator Budget Calculator Total monthly Income Please Enter Amount Monthly category wise Expenditure Home Rent Taxes Maintenance Food and Groceries Utility Bills Electricity Gas Phone Travel Fuel train parking Debts Repayment Loan Installments Family Expenses School Fees Savings Pensions investments insurance Other monthly Expenditure Compare Budget Help Me Create Budget Indicates mandatory fields Field Description Field Name Description Total Monthly Income Note The Currency Type is displayed against
13. Tenure and the Regular Contribution and Maturity Instruction Details entered at the time of goal creation using the Edit hyperlink provided against each goal The nitial Funding Goal Category and the Goal Sub Category cannot be modified On Modification and Confirmation an alert for Confirmation Message is displayed to the customer To Modify a Goal Navigate to Manage My Finance Goal section Click Edit Goal as shown in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management Edit Goal My Goals Joint Goals Goal Amount 100 000 00 GBP Ki My Progress 20 000 00 GBP The following page is displayed Edit Goal debits and credits on your Options Available for Goal Fund Goal Add Funds to E Request Contribution your goal Cx Request friends and family for contribution Edit Edit your goal Participants Add your friends and Family as participants to your goal Share Share your goals with Comparison Compare your Friends on Facebook w goal performance with other people like you Transactions View the Redeem Redeem your goal xx x goals Edit Goal x What are you Saving for Please provide your Goal Details Name your goal Goal 1 Choose Category TD Choose Sub Income Category Set an amount 100000 000000 Set target date 01 01 2015 Set Tenure a Goal Calculator Change Image How often
14. es x em c WZ View Transactions Compare with Peers Download b d Spending Manage My Spending di Click any desired category Please refer to the following screenshot The right pane displays the Specific Category View in the form of Pie Chart for the selected category and Bar Graph for the sub categories of the selected category User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 35 Spending Analysis Specific Category View wv vw Spending Analysis Category Shopping Q View Trend of last six months E Shopping E Legal Expenses Term Deposit E TempCategory E LOAN ll Other Expenses Shopping 21503 E Rent itt ell Bl Others Click any desired The Specific Category Category View for the selected Amount in GBP V S Categories Amount in GBP V S Categories 3 The Amount Vs Sub Categories Bar Graph of the selected Category QU oe aw o d Qi we T 9 5 og 5 Qux T e ova amp Gs 6 A L e o 5 View Transactions Compare with Peers Download bd Spending Manage My Spending 4 Click View Transactions The screen displays the list of transactions for the selected Category Sub Category Note The following screenshot displays the Transaction List of the Single Customer for the selected Category and its all Sub
15. Direct Banking Personal Finance Management 19 Budgeting Field Name Description Choose State Drop Down Select the appropriate State from the dropdown Check Box Select the checkbox to include this category for comparison Compare Action Button Click Compare to compare your values with the standard values selected for the comparison d Once you click Compare the Bar Chart Categories Vs Budget is displayed as shown in the following screenshot Categories Vs Budget 139059 Categories Vs Budget Series 120006 o 100008 80000 60000 40000 20000 Loan payment Term Deposit Jewellery BILLING Miscellaneous Expenses 20000 Budget comparison for you with People in same group as you for same age group gender state The avgerage budget set by the people for category Loan payment is 0 00 Whereas Budget set by you for this cateogry is 120000 The avgerage budget set by the people for category Term Deposit is 0 00 Whereas Budget set by you for this cateogry is 50000 The avgerage budget set by the people for category Jewellery is 0 0 Whereas Budget set by you for this cateogry is 15000 The avgerage budget set by the people for category BILLING is 0 00 Whereas Budget set by you for this cateogry is 10000 The avgerage budget set by the people for category Miscellaneous Expenses is 0 00 Whereas Budget set by you for this cateogry is 10000 User Manual Oracle FLEXCUBE Direct
16. Field Description Search By Last Six Months Spending Analysis All 10411735 SPEND2 10412001 SPEND4 10411591 SPEND1 Customer From Date To Date Currency Field Name Description Customer Mandatory Drop Down Select the desired customer using the drop down list Search By Mandatory Drop Down Select the desired value from the dropdown From Date Date Picker Select the desired date from which the details are to be retrieved To Date Date Picker Select the desired date up to which the details are to be retrieved Currency Drop down Select the desired Currency Type from the dropdown View Action Button Click View to view the Spending Analysis Enter the required details in the respective fields Click View The system displays the Spending Analysis Details and its graphical representation for the selected customer User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 27 Spending Analysis Spending Analysis for All the Internet Banking Customers v Spending Analysis E The Bar Graph represents TempCatego Category Vs Amount spent E LOAN E Other Expenses E Rent E Others Amount in GBP V S Categories ir SE X A c e View Transactions Compare with Peers bd Spending Manage My Spending Note The Spending Analysis for the Internet Banking Customers is displayed in the following types Pie Chart Bar G
17. Values selected from the database It helps you to modify your existing Goal Settings Hyperlink Click the hyperlink to view the Terms and Conditions Hyperlink Click the hyperlink to download the Terms and Conditions Checkbox for Terms Check Box amp Conditions oelect the check box to accept the Terms and Conditions and proceed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 64 Creating Goal Amount to Start With Manage My Finance Create Goal What are you Saving for Amount to start with Please provide the funding details for the goal account Amount 10000 GBP Funding account Amr 10411271 1040411271050 CO umber How often would you like to contribute How do you wish to receive the amount on completion of tenure Field Description Field Name Description Amount to Start With Funding Details for the Goal Account Amount to Start Amount to Start With With Amount Mandatory Input Box 15 Enter the desired Amount The field also displays the Currency It is same as the Currency Type selected for your saving accounts Funding Account Mandatory Dropdown Number Select the desired Account Number User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 65 Creating Goal Frequency of Contribution Manage My Finance Create Goal What are you Saving for gt Amount to start with
18. and or the license issued by the competent A View Terms amp Conditions B Download Terms amp Conditions Accept gt Amount to start with How often would you like to contribute How do you wish to receive the amount on completion of tenure Field Description Field Name Description Create Goal What are you Saving for Please provide your Goal Details Name your Goal Mandatory Input Box 35 Enter the desired Name for your Goal User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 63 Field Name Creating Goal Description Choose Category Choose Sub Category Change Image Set an Amount Set Target Date OR Set Tenure Goal Calculator Compare View Terms and Conditions Download Terms and Conditions Mandatory Drop Down Select the desired Category from the dropdown Mandatory Drop Down Select the desired Sub Category Hyperlink Click the link to Browse and Upload the desired photo Mandatory Input Box 15 Enter an appropriate Amount for Goal Setting This field displays the Currency Type same as the one applied for users Account Summary Conditional Date Picker Select the Target Date from the Date Picker Conditional Drop Down select the desired Tenure Values for Years Months and Days Hyperlink Click the hyperlink to open the Goal Calculator Hyperlink Click the hyperlink to compare your goal with the Standard
19. each category Please Enter Mandatory Input Box 15 Amount Please enter the Monthly Total Income Monthly Category wise Expenditure Note The Currency Type is displayed against each category Home Rent Optional Inout Box 15 Taxes Maintenance Enter the expenses in the Home category Food and Groceries Optional Inout Box 15 Enter the expenses in the Food and Groceries category Utility Bills Optional Input Box 15 Electricity Gas Phone Enter the expenses in the Utility Bills category Travel Fuel Train Optional Inout Box 15 Parking Enter the expenses in the Travel category Debt Repayments Optional Input Box 15 Loan installment the expenses in the Debt Repayments category Family Expenses Optional Input Box 15 School fees Enter the expenses in the Family Expenses category User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 10 Budget Calculator Field Name Description Savings Pension Optional Input Box 15 investments Enter the expenses in the Savings category insurance Other Monthly Optional Input Box 15 Expenditure Enter the expenses in the Others category Reset Action Button Click Reset to clear all values Calculate My Total Action Button Savings Click Calculate My Total Savings to calculate the result for the entered values Help Me Create Action Button Budget The Help Me Create Budget button if
20. the error is display as There are X more categories for which budget is not maintained but expenditure is done Click Modify to set budgets for such categories Click Modify to make the changes to the values entered for the desired Categories and Sub categories Click Compare to make a comparison with peers Note For additional information please refer to the section Modify Budget Budget History The Buaget History is maintained for all the Categories and their respective Sub Categories The option for the same is available against each category or sub category The Budget History screen displays your Expenses Vs Budget of the previous configured periods for the respective categories and sub categories Current Period the Previous Configured Periods If no budgets are set for Categories or Sub categories for the given period then that space is left blank and an error message is displayed as No budget set for the selected period The Expenses Vs Budget is displayed for the remaining periods To View the History Click the History icon available against each category and sub category Also select the checkbox for Rollover this Budget which helps user to maintain the history for the entire budget User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 23 3 Sub Category if available Budget History Budget History December Bills 550 of 700 Ej Electricity
21. the participant rejects the Request then on clicking the Email link an error message is displayed as Authentication failed You have rejected the request to be added as participant of goal Benchmarking Compare Goals The Benchmarking feature allows a customer or a non customer to compare their standings for various products and services like their Goals their Budgets with others A user is able to benchmark his performance and compare with people lying within same age group same income group same locality etc or as per the selection To Compare Goals Navigate to Manage My Finance gt Goal section Click Comparison as shown in the following screenshot The following page is displayed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 87 Options Available for Goal Compare Goals K GOAL COMPARE I want to Compare Goals Y Select Goal v The result displayed below is based on the data available for your profile You can change data for comparison andi remove data for comparison using checkboxes available Choose Income Group Select Y Include for Comparison Choose Age Group Select Y Include for Comparison Choose Gender Select Y Include for Comparison Choose State Select Include for Comparison Observation See what people like you doing for their goals Average goals and targets achievement by the people Field Description Field Name Description
22. the people falling in your category on the basis of parameter values you select for comparison Note For additional information please refer to the Spending Analysis Compare with Peers section available in this same user manual The Redeem Goal feature allows you to redeem your goal as per your requirement To Redeem a Goal Navigate to PFM gt Manage My Finance gt Goal section Click Redeem as shown in the following screenshot The following page is displayed Redeem My Goals Joint Goals Goal Amount 100 000 00 GBP My Progress 20 000 00 GBP The following page is displayed Fund Goal Add Funds to your goal 4 Edit Edit your goal Share Share your goals with Friends on Facebook Transactions View the O debits and credits on your goals User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management op XXX X Request Contribution Request friends and family for contribution Participants Add your friends and Family as participants to your goal Co Dare your goa ith othe ople like you Redeem Redeem your goal 90 Options Available for Goal Redeem Redeem Goal Redeem your goal partially or close your goal and transfer your maturity amount into your selected account WE WILL MISS YOU P Redeem Type fol Current Balance 20 000 00 GBP Redemption Amount 20000 00 Goal 1 Reason for redeeming amount from goal Account Transfer Options P
23. 00 GBP 10 000 00 GBP 5 00 GBP 5 00 GBP 12 00 GBP 115 00 GBP 5 00 GBP 11 00 GBP 750 00 GBP 600 00 Records 1 to 10 of 10 KI Page ilz of 1 In order to update categories and sub categories and to modify assignments please select a single customer from the filter options b 4 Spending Manage My Spending Compare w ith Peers User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 29 Spending Analysis Category Shopping rid Account Transaction Ref No Transaction Description 1040412001018 104DEBK1407000EA 1040412001018 104DEBK1407000EH 1040411591018 104FTIN14069C3JM 1040411591018 104FTOC14069B1YX 1040411591018 104FTOC14069B1lYX 1040411591018 104FTIN14069C3JM 1040411591018 104FTOC14069B1YU 1040411591018 104FTOC14069B1YU 1040411735016 104FTIN140699535 1040411722016 104FTIN140699524 View Trend of last six months Amount NEW DEPOSIT NEW DEPOSIT EUR 11 160 00 INTERNAL FUND TRANSFER GBP 5 00 OUTWARD CUSTOMER TRANSFER GBP 5 00 OUTWARD CUSTOMER TRANSFER GBP 12 00 INTERNAL FUND TRANSFER GBP 115 00 OUTWARD CUSTOMER TRANSFER GBP 5 00 OUTWARD CUSTOMER TRANSFER GBP 11 00 INTERNAL FUND TRANSFER GBP 750 00 INTERNAL FUND TRANSFER GBP 600 00 EUR 11 160 00 Spending Analysis Equivalent Currency Amount Category GBP 10 000 00 GBP 10 000 00 GBP 5 00 GBP 5 00 GBP 12 00 GBP 115 00 GBP 5 00 GBP 11 00 GBP 750 00 GBP 600 00 Shopping Shopping Shopping Shopp
24. 00 GBP Field Name Description Modify Action Button Click Modify to make the changes in the values entered for the desired Categories and Sub categories Compare Action Button Click Compare to compare your existing budget with peers View Budget History Action Button Expand Collapse lt lt View Previous gt gt View Next Category Click View Budget History to check the history of the existing budget Icon Click the Expand icon to open the Sub categories Icon Click the Collapse icon to close the Sub categories Action Button Click lt lt View Previous to view the Expenses Vs Budget for the previous period Action Button Click gt gt View Next to view the Expenses Vs Budget for the next period Display This column displays the list of various categories and sub categories available User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 22 9 9 Budgeting Field Name Description Amount Display This column displays the amount for the Expenditure Vs Budget for its corresponding category and sub category Expenditure Graph Display The Expenditure Line Graph is displayed as per the following configurations Green Expenditure up to 50 of Budget Yellow Expenditure between 50 75 of Budget Red Expenditure more than 7526 of Budget Disclaimer Display If there are any categories that have not been assigned in any budget then
25. Banking Personal Finance Management 20 Budgeting 5 4 View Expenses Vs Budget The View Expenses Vs Budget screen displays the Already Created Budget Vs the Expenditure for the current period for the respective Categories and Sub categories The Expand icon against each category if clicked displays the details of sub categories Note If no budgets are set at sub categories level then the Expand button if clicked displays an error message as No budgets are set for the sub categories Please set budgets for sub categories to view Expense Vs Budgets for sub categories Expenses Vs Budget Your Expense Vs Budget 550 of 700 Electricity 77 5 of 75 Phone bill eel 16 of 40 Gas bill B 98 of 100 8 Shopping 740 of 750 Transport 980 of 1000 E There are X more categories which have not been assigned any budget Click on Modify to create budgets for such categories Compare Modify View Previous View Next User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 21 Manage My Finance Financial Overview Your Expense Vs Budget Utility Term Deposit Loan payment amp BILLING Jewellery Laundry Field Description Budgeting 10 Apr 2014 to 31 Ju 0 00 GBP of 8 000 00 GBP 0 00 GBP of 50 000 00 GBP 0 00 GBP of 120 000 00 GBP 0 00 GBP of 10 000 00 GBP i 0 00 GBP of 15 000 00 GBP 0 00 GBP of 3 000
26. Categories User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 36 Spending Analysis Transactions of the Single Customer for the Selected Categories Sub Categories v Spending Analysis Category Shopping View Trend of last six months 7 Select Category Transactions Sub Category from here Wrap Customize Columns Downloz omer Id Account Transaction Ref No Transaction Description Amount Equivalent Currency Amount Category 201 1040412001018 104DEBK1407000EA NEW DEPOSIT EUR 11 160 00 GBP 10 000 00 Shopping Clothes 201 1040412001018 104DEBK1407000EH NEW DEPOSIT EUR 11 160 00 GBP 10 000 00 e Shopping Clothes e gas c e gt 1 to 2 of 2 D e 12 of 1 n p gt Categories gt View Transactions Download Dashboard Spending 6 4 Re Categorization The Re Categorization feature helps in re assigning the categories or sub categories to the selected transaction For Single Categorization 1 Login to the Internet Banking Navigate to the PFM gt Manage My Finance gt Spending Analysis section Click the View Transactions button available on the Spending Analysis page The following page is displayed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 37 Spending Analysis Transactions v Spending Analysis Category Shopping View Trend of last six m
27. EH NEW DEPOSIT EUR 11 160 00 GBP 10 000 00 11 03 2014 10412001 1040412001018 104DEBK1407000EA NEW DEPOSIT EUR 11 160 00 GBP 10 000 00 1 Select all the required records 2 Select the desired Category OR Sub Category Records 1 to 2 of 2 ci 4 ilz of 1 E es Bem 6 o r a e Multiple Update Manage Categories 3 Click here to confirm View Transactions Download 7 Note Please refer to the above screenshot while following the procedure below 4 Select the required records from the Transaction List Select the desired Category or Sub Category from the Multiple Update dropdown 6 Click the icon to confirm the changes made An alert is displayed as shown in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 45 Spending Analysis Alert Message 2 transactions will be assigned Subcategory DiamondJewellery 7 Click OK The Success Message is displayed as shown in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 46 Success Message v Spending Analysis Category Shopping View Trend of last six months Transactions SUCCESS E Category Modified Successful E 11 03 2014 10412001 1040412001018 104DEBK1407000EA NEW DEPOSIT 11 03 2014 10412001 1040412001018 104DEBK1407000EH NEW DEPOSIT amp es pe K em A e Date
28. Narration Deposit Withdrawal Balance Contributed By changes using the check boxes and the available Records 1 to 2 of 2 2 Click 5ave once the changes are made User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 82 9 5 Options Available for Goal Download Date Download 14 Select the desired File Format for downloading 11 03 2014 11 03 2014 File Format PDF Y Date Na rration Deposit Withdrawal Contributed By Jii Download 2 Select the desired ns for downloading 3 Click Download once the desired File Format and Columns are selected Request Contribution to the Goal The contributions towards goal can be done only by individuals having existing Savings Account relationship The request for contribution allows user to request for contribution from others through social networking site currently Facebook The individual from whom contribution has been requested is able to contribute to the goal by clicking the link on the post On clicking the link the individual is navigated to the application through Facebook for validation of the Facebook User ID The application validates if UID entered is been mapped with the goal Once the validation is successful the member is then navigated to the FCDB application login screen The successful login process navigates a user to the Goal Contribution screen To Contribut
29. ORACLE Oracle FLEXCUBE Direct Banking Personal Finance Management User Manual Release 12 0 3 0 0 Part No E52543 01 April 2014 Personal Finance Management User Manual April 2014 Oracle Financial Services Software Limited Oracle Park Off Western Express Highway Goregaon East Mumbai Maharashtra 400 063 India Worldwide Inquiries Phone 91 22 6718 3000 Fax 91 22 6718 3001 www oracle com financialservices Copyright 2008 2014 Oracle and or its affiliates All rights reserved Oracle and Java are registered trademarks of Oracle and or its affiliates Other names may be trademarks of their respective owners U S GOVERNMENT END USERS Oracle programs including any operating system integrated software any programs installed on the hardware and or documentation delivered to U S Government end users are commercial computer software pursuant to the applicable Federal Acquisition Regulation and agency specific supplemental regulations As such use duplication disclosure modification and adaptation of the programs including any operating system integrated software any programs installed on the hardware and or documentation shall be subject to license terms and license restrictions applicable to the programs No other rights are granted to the U S Government This software or hardware is developed for general use in a variety of information management applications It is not developed or intended fo
30. Spending Analysis along with the graphs in the PDF format Note This feature is available only for Retail user To navigate to the Spending Analysis section Navigate to PFM Manage My Finance Scroll down to visit Spending Analysis section as shown in the following screenshot Spending Analysis Manage My Finance Financial Overview I Have 10792392 03 Your Expense Vs Budget No Budget set for any categories please click on create budget to set budget for the available categories Create Budget 4 j Spending Analysis amp 5 es Em e Spending Trend in GBP of Category Shopping over the Last Six Months E Shopping 25000 00 Legal Expenses Term Deposit E TempCategory E LOAN 0 00 ll Other Expenses Mar 14 Click here to access Spending Analysis Bl Rent b d e Dashboard Spending Manage My User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 26 Spending Analysis 6 2 Categories in the Spending Analysis In addition to maintaining Default Categories a new category can also be created by the user While creating a new category the system verifies that the category being created does not already exist for the customer To Access the Categories 1 Click the hyperlink Click here to access Spending Analysis The following page is displayed Spending Analysis For All Customers es mm o
31. X Q a e e S 9 49 The system redirects the user to the Benchmarking screen User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 57 Spending Analysis Compare with Peers Y Compare with Peers I want to Compare Spend Credit Card bill D rt t St Select Category E vomer ue Rent The result displayed below is based on the data available for your profile You can change data for comparison and remove data for compa using checkboxes available Choose Income Group Select v Include for Comparison Choose Age Group 21 30 Include for Comparison Choose Gender Select z Include for Comparison Choose State MAHARASTRA Include for Comparison amp ES 6 X Field Description Field Name Description Goal Comparison I want to Compare Mandatory Dropdown Select the Spend option from the dropdown to compare the Spending Analysis Select Category Dropdown Select the desired category from the dropdown Parameter Selection for Spend Comparison Choose Income Optional Dropdown Check box Group Select the desired value from the dropdown Select the checkbox if the same parameter is to be included for the comparison Choose Age Group Optional Dropdown Check box Select the desired value from the dropdown Select the checkbox if the same parameter is to be included for the comparison Choose Gender O
32. XCUBE Direct Banking Personal Finance Management 12 Budgeting Manage My Finance Manage Finance Financial Overview Your Expense Vs Budget No Budget set for any categories please click on create budget to set budget for the available categories Create Budget Spending Analysis amp X e This space will help you to view and analyse your spend patterns in graphical form Dashboard Manage My User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 13 Budgeting 5 2 Set Budget The Set Budget feature allows user to create a desired budget based on the values you put for the mentioned categories Once you navigate to Manage My Finance from the Menu Bar the following page is displayed Manage My Finance Manage My Finance Financial Overview Your Expense Vs Budget No Budget set for any categories please click on create budget to set budget for the available categories Spending Analysis e B me em E e This space will help you to view and analyse your spend patterns in graphical form Dashboard Manage My To Set a Budget 1 Click Create Budget as shown in the above screenshot The following page is displayed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 14 Budgeting Set a Budget Set A Budget Period of your Budget Quarterly Y Rollover this budget Enter the budget amou
33. able on the Spending Analysis page Transactions Spending Analysis Word Wrap Customize Columns Download Print Account Transaction Ref No Transaction Description Amount Equivalent Currency Amount Category 1040412001018 104FTIN14069A1Z6 INTERNAL FUND TRANSFER EUR 132 04 GBP 118 32 hopping Gifts 1040412001018 104FTIN14069A1Z6 INTERNAL FUND TRANSFER EUR 5 00 GBP 4 48 2 Shopping Gifts p 9311020f2 El Pace ily of 1 r3 mnl n o The Manage Categories window is displayed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 52 Spending Analysis Manage Categories Spending Analysis Category LOAN View Trend of last six months Transactions Manage Category Manage Categories Customer 10412001 Add New Category Add a Sub Category Delete a Category or Sub Category Select z Select amp SE E 6 amp e View Transactions Tal Field Description Field Name Description Manage Categories Customer Display This field displays the Customer ID Options Radio Button Select the desired option from the following e Add New Category e Adda Sub Category e Delete a Category or Sub Category User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 53 Spending Analysis Field Name Description Add a Category Conditional Input Box 25 This field is available only when the user select
34. acle Corporation and its affiliates will not be responsible for any loss costs or damages incurred due to your access to or use of third party content products or services User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management i 2S oN gt Table of Contents iris 4 Transaction Host Integration Matrix none c Sepa cuo n eris d ur URS 5 Manage My gilet ipie ie 6s E 7 Budget VI Ez 1 o seed 9 BUG GO esee eee En 12 Spending AMAL Y SUS 5 cusan eere posi CD oo Pu DOE Ri GOO acc CCo unde deus tise 26 Goal Calculator to View Indicative Savings 61 Creating GO al sis ciones a iesu ucc 02048 eor OUS ces Casi Gore Leo E URS ei GOL IDA Loon OEe ei CEP On LOC Saw oda Cen cR 62 Options Available tor C or ett 71 User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management iii 1 2 1 3 1 4 1 5 Preface Preface Intended Audience This document is intended for the following audience e Customers e Partners Documentation Accessibility For information about Oracle s commitment to accessibility visit the Oracle Accessibility Program website at http www oracle com pls topic lookup ctx acc amp id docacc Access to OFSS Support https support us oracle com Structure This manual is organized in
35. clicked For the Existing Users It navigates user to the Manage My Finance page and an already created budget is displayed on the screen For the Prospect Customers The user is informed to create an account with the bank to access all the available functionalities in the Budgeting Compare Budget Action Button Click Compare Budget It navigates user to the Benchmarking screen Result Display The Result is displayed on the basis of values entered in the calculator fields User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 11 Budgeting 5 Budgeting The Budgeting feature allows a customer to plan a budget against the expenses being done by the customer It allows a customer to create modify and delete budget track the progress of the budget and compare budget with peers The Budgeting feature also includes a calculator to find the Total Savings after all the expenditures are compared with the income On the Login Page 1 Login to the nternet Banking application 2 Navigate to Manage My Finance from the Menu Bar Manage My Finance ORACLE saritak Fl th moo Payments Receive Money Bill Payments New Account Opening Wealth Management Tools Cards 4 Manage My Finance I Have 1 077 576 80 GBP I Owe 97 1296 Current and Savings 1 046 576 80 GBP 84 Term Deposits 9 000 00 GBP 19 Islamic Term Deposits 2 000 00 GBP The following page is displayed User Manual Oracle FLE
36. column displays the Transaction Amount with its Currency Type on the basis of Equivalent Currency as per Bank Rate Category Display This column displays the Category assigned for that transaction Spending Analysis For Single Customers Y Spending Analysis All 10411735 SPEND2 Cust ustomer 10412001 5 4 10411591 SPEND1 Search Last Six Months 7 From Date HE To Date Currency es Field Description Field Name Description Customer Mandatory Drop Down Select the desired Customer using the drop down list Search By Mandatory Drop Down Select the desired value from the dropdown From Date Date Picker Select the desired Date from which the details are to be retrieved To Date Date Picker Select the desired Date up to which the details are to be retrieved User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 31 Spending Analysis Field Name Description Currency Drop down Select the desired Currency Type from the dropdown View Action Button Click View to view the Spending Analysis Enter the required details in the respective fields Click View The system displays the Spending Analysis Details and its graphical representation for the selected customer Spending Analysis for the Selected Customer Spending Analysis Shopping The Bar Graph represents Category Vs Amount spent E Others
37. d state The average expenditure set by the people in the selected age group gender and state for category Term Deposit is 4480 29 Whereas Expenditure by you for this cateogry is 18906 81 The average expenditure set by the people in the selected age group gender and state for category Legal Expenses is 0 0 Whereas Expenditure by you for this cateogry is 20000 The average expenditure set by the people in the selected age group gender and state for category Medical bills is 0 0 Whereas Expenditure by you for this cateogry is 5 The average expenditure set by the people in the selected age group gender and state for category Cable Television is 0 0 Whereas Expenditure by you for this cateogry is 7 The average expenditure set by the people in the selected age group gender and state for category Rent is 0 0 Whereas Expenditure by you for this cateogry is 1000 Dashboard Manage My Spending User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 89 9 8 Field Description Field Name Description Options Available for Goal Observation Average Goals and Targets Redeem Goal Display Bar Graph Displays the Graphical View of the parameter values selected for the comparison It provides you the details of the people falling in your category on the basis of parameter values you select for comparison Display Displays the Graphical View of the Average Goals and Targets achieved by
38. e to a Goal Navigate to PFM Manage My Finance Goal section Click Request Contribution as shown in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 83 Options Available for Goal Request for Contribution 5 My Goals X Fund Goal Add Funds to Request Contribution your goal Request friends and family for contribution Edit Edit your goal Participants Add your friends and Family as Joint Goals o 4 participants to your goal Share Share your goals with Comparison Compare your Friends on Facebook w goal performance with other people like you D Goal Amount 100 000 00 GBP My Progress 20 000 00 GBP Transactions View the p debits and credits on your goals Redeem Redeem your goal The following page is displayed Request Contribution Contribute Goal x Request for contribution from family and friends to reach your goal faster Request for contribution Choose the Image to be assigned to the message mage assigned by you to the goal Default Image Personalised message Field Description Field Name Description Request for Contribution Choose image to be Mandatory Radio Button assigned to goal an image to be assigned to a category or the goal Personalized Optional Input Box 120 Message Enter the desired Personalized Message fConnect Conditional
39. ecord Spending Analysis Category Shopping View Trend of last six months Wrap Customize Columns Download Print Account Transaction Ref No Transaction Description Amount Equivalent Currency Amount Category 1040412001018 104DEBK1407000EH NEW DEPOSIT EUR 11 160 00 GBP 10 000 00 Shopping Clothes 1 Verify the selection CA amp Gs o X A a e 1to2 of 2 Update Category gt Categories 2 Click here to confirm View Transactions Download Verify the selection and click Update Category The Success Message appears as displayed in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 42 Success Message Spending Analysis Category Shopping View Trend of last six months SUCCESS Category Modified Successfully amp E e Date Customer 1 Account gt Transaction Ref No Transaction Description Amount 11 03 2014 10412001 1040412001018 104DEBK1407000EH NEW DEPOSIT 11 03 2014 10412001 1040412001018 104DEBK1407000EA NEW DEPOSIT Wrap Customize Columns Dowr EUR 11 160 00 GBP 10 000 00 EUR 11 160 00 GBP 10 000 00 Equivalent Currency Amoun Spending Analysis Records 1 to 2 of 2 RAanaan Catnannrine id rm gi Page 115 of 1 er shown in the following screenshot
40. ending Analysis Dropdown Pop Up Spending Analysis Category Shopping View Trend of last six months Wrap Customize Columns Download Print Account Transaction Ref No Transaction Description Amount 1040412001018 104DEBK1407000EH EUR 11 160 00 GBP 10 000 00 PURCHASE BILLS CLOTHING PURCHASE1 CLOTHS VECHILE purchasing Repair amp Maintenance Shopping Clothes DiamondJewellery es o X C e 1to2 of 2 View Transactions 5 Select the desired category or sub category 6 Confirm the selected category or sub category as displayed in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 40 Spending Analysis Confirm the Selection Spending Analysis Category Shopping View Trend of last six months Wrap Customize Columns Download Print Transaction Ref No Transaction Description Amount Equivalent Currency Amount Category 1040412001018 104DEBK1407000EH NEW DEPOSIT EUR 11 160 00 GBP 10 000 00 Click here to confirm the selected Category or Sub Category E G Gs ome o 76 A 2 e r i 110 2 of 2 rm KI Page ilz of 1 Lr View Transactions The selected Transaction Record is updated as shown in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 41 7 Spending Analysis Updated R
41. existing values Once you click OK the following page is displayed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 18 Budgeting Compare with Peers Compare with Peers want to Compare Budget Y Shopping D oS Fa beverages Select Category Jewellery Loan payment The result displayed below is based on the data available for your profile You can change data for comparison and remove data for comparison using checkboxes available Choose Income Group 10 20 Include for Comparison Choose Age Group 21 30 Include for Comparison Choose Gender Female Include for Comparison Choose State MAHARASTRA Include for Comparison Field Description Field Name Description Compare with Peers I want to Compare Drop Down Select the desired value from the following values e Goals e Budget e Spend Select Category Drill down Select the desired Categories from the drill down options Choose Income Drop Down Group Select the desired Income Group from the dropdown Check Box Select the checkbox to include this category for comparison Choose Age Group Drop Down Select the desired Age Group from the dropdown Check Box select the checkbox to include this category for comparison Choose Gender Drop Down Select the appropriate Gender from the dropdown Check Box Select the checkbox to include this category for comparison User Manual Oracle FLEXCUBE
42. for Goal Add new participants Existing Participants Add new participants Add new participants Email Id sarita kulkarnitQoracle com 4 Enter the Email ID of the individuals who have to be added as participants 5 Click Submit The following message is displayed Alert Message Existing Participants Add new participants Add new participants Add new participants IE 4 Request for adding Participant initiated The EmailId Participants will be added to the goal after acceptance of request by the added members Reference No 527707284547936 Secure Code XbN5v4 Note The numbers of participants that can be added to a goal are configurable User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 86 9 7 Options Available for Goal Click OK Note In the Existing Participants section against the Email ID any one of the statuses is displayed Please refer to the following example to understand the status of the request For Example Accepted Green Color Rejected Red Color Request Pending Yellow Color This value depends on if the participant has accepted the request or not The link for becoming a participant to a Goal is valid as long as the goal is Active On the closure of the goal the link is no longer valid The participant s once added to a Goal is able to Fund the Goal Share the Goal Request for Contribution and View Goal Transactions Note If
43. he View Transactions button available on the Spending Analysis page Transactions Spending Analysis Word Wrap Customize Columns Download Print Account Transaction Ref No Transaction Description Amount Equivalent Currency Amount Category 1040412001018 104FTIN14069A1Z6 INTERNAL FUND TRANSFER EUR 132 04 GBP 118 32 2 Gifts 1040412001018 104FTIN14069A1Z6 INTERNAL FUND TRANSFER EUR 5 00 GBP 4 48 2 Shopping Gifts p 5110202 D E rae i o n o The Manage Categories window is displayed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 49 Spending Analysis Manage Categories Transactions x Manage Category x Manage Categories Customer 10412001 9 Add New Category TestSpendCategory Add a Sub Category 2 Delete a Category or Sub Category Field Description Field Name Description Manage Categories Customer Display This field displays the Customer ID Options Radio Button Select the desired option from the following e Add New Category e Adda Sub Category e Delete a Category or Sub Category Add a Category Conditional Input Box 25 This field is available only when the user selects the following option e Add New Category Enter the desired Category Name in the input box Category Conditional Dropdown This field is available only when the user selects the following option e Adda Sub Category User Manual Oracle FLEXCUBE D
44. in the respective categories and sub categories as per your requirement 4 Click Save Budget The following Success Message appears Success Message Set A Budget 2 n OF Budget has been created successfully Period of your Budget Quarterly Y Rollover this budget The budget set will be applicable from 10 Apr 2014 To 31 Jul 2014 Cn D gt 00 C Ete Y9 D T x o ho eo e e e e o o o e Delete Budget 5 If you wish to remove this existing budget you can simply click Delete Budget 6 Click OK User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 17 Budgeting 5 3 Modify Budget Once the budget is successfully created a user can modify the same budget To Modify a Budget 1 Under the Set a Budget section once all the desired values are entered for the respective parameters click Save Budget The following Success Message appears on the screen Success Message LS pe Set A Budget Budget has been created successfully i Period of your Budget Quarterly Y Rollover this budget The budget set will be applicable from 10 Apr 2014 To 31 Jul 2014 A gt CoO D 9 D T x e c ce e e Delete Budget T NS 2 Click the OK button available at the bottom of the screen Note A user can also use View Budget feature which provides an option to modify the
45. ing Shopping Shopping Shopping Shopping Shopping Shoppina Wrap Customize Columns Download Print Clothes Clothes Gifts Gifts Gifts Gifts Gifts Gifts Shoes Shoes m vr G Gs i A A a e 1to 10 of 10 Page ilz ot A r to update categories and sub categories and to modify assignments please select a single customer from the filter options 4 View Transactions Compare with Peers Download 7 b d Dashboard Spending Manage My Spending Column Description Field Name Description Note The above transaction list is displayed for all the categories Date Display This column displays the Date on which the transaction is done Customer Id Display This column displays the Customer Id Account Display This column displays the Account Number through which the transaction is performed Transaction Ref No Display This column displays the Reference Number of the transaction User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 30 Spending Analysis Field Name Description Transaction Display Description This column displays the Transaction Description of the transaction as per the host Amount Display This column displays the Amount with its Currency Type for which the transaction has been done Equivalent currency Display Amount This
46. ion Matrix Transaction Name FLEXCUBE UBS Third Party Host System a Options Available for Goal Fund Goal Modify Goal Share Goal Transactions in View Goal Add participants to the Goal Benchmarking Compare Goals Redeem Goal 4 Request Contribution to the Goal User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 6 Manage My Finance 3 Manage My Finance The Manage My Finance feature helps user to deal with the Personal Financial Management that gives a Financial Overview and accordingly helps user to create modify and view budgets and goals It also includes the unique feature known as Spending Analysis It allows user to view and analyze spending pattern in the graphical form To Manage Finance 1 Login to the Internet Banking 2 Navigate to PFM gt Manage My Finance from the Menu Bar available on the Home page as shown in the following screenshot Home Page ORACLE Sarita w A E Ped PFM Payments Receive Money Bill Payments New Account Opening Wealth Management Tools Cards 4 Manage My Finance Oo Bg I Have 1 077 576 80 GBP I Owe 0 00 GBP 97 1296 Current and Savings 1 046 576 80 GBP 84 Term Deposits 9 000 00 GBP 19 Islamic Term Deposits 2 000 00 GBP User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management F Manage My Finance Manage My Finance Manage My Finance Financial Overview Your Expense Vs Budget No Budge
47. irect Banking Personal Finance Management 50 Spending Analysis Field Name Description Add a Sub Category Conditional Inout Box 25 This field is available only when the user selects the following option e Adda Sub Category Enter the desired Sub Category Name in the input box Delete a Category or Conditional Dropdown Sub Category This field is available only when the user selects the following option e Delete a Category or Sub Category Select the desired Parent Category from the dropdown Select the desired Sub Category from the dropdown Cancel Action Button Click Cancel to cancel the process Update Action Button Click Update to save the changes made The Success Message appears as shown in the following screenshot Success Message Spending Analysis Pr Term lt E LOAN T ti x Manage Category x SUCCESS Category Created Successfully Customer Id 10412001 Category TestSpendCategory 2 Click Close to return to the transactions User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 51 Spending Analysis 6 6 Deleting an Existing Category OR Sub Category An existing Category or Sub Category can be removed using this feature Note A user can remove only the User defined Categories or Sub Categories The Host defined Categories or Sub Categories cannot be deleted To Delete a Category OR Sub Category Click the View Transactions button avail
48. ired Branch from the dropdown Conditional Input Box The input box for this field is available only when the option selected for the Account Transfer is Transfer to Internal Bank Account OR Transfer through Domestic Clearing Network Enter the appropriate Account Number Conditional Input Box 35 Enter the desired Beneficiary Name Drop Down select the desired Network Type Lookup Icon Select the appropriate Bank Code using the Lookup Icon Optional Input Box Once a user selects the SWIFT Domestic Clearing Bank Code from the Search option the Bank Name field is auto populated Optional Input Box 35 2 Once a user selects the Domestic Clearing Bank Code from the Search option the Bank Address field is auto populated Optional Input Box 35 Once a user selects the National Clearing Bank Code from the Search option the City field is auto populated Action Button Click Cancel to cancel the transaction Action Button Click Submit to submit the entered details Note On Verification and Confirmation an alert is sent to the user User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 92
49. isplays the Transaction Description of the transaction as per the host Amount Display This column displays the Amount for which the transaction has been done Equivalent currency Display Amount This column displays the Transaction Amount with currency on the basis of Equivalent Currency as per the Bank Rate Category Display This column displays the category assigned to that transaction 8 Click Download to download all the available records in the PDF format User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 34 Spending Analysis 6 3 Sub Categories in the Spending Analysis Similar to categories a new sub category can also be created by the user While creating a new sub category the system verifies that a sub category with the same name does not exist under the same parent category It is however possible to have duplicate sub categories across categories for the same customer Hence it is not be possible to create duplicate categories nor to have duplicate sub categories within a single category for a customer To Access the Sub Categories 1 Login to the Internet Banking 2 Navigate to the PFM gt Manage My Finance gt Spending Analysis section The following page is displayed Spending Analysis Categories View Spending Analysis E Shopping The Bar Graph represents Category Vs Amount spent E Other Expenses E Rent E Others Amount in GBP V S Categories amp
50. le Mandatory Drop down Multiple selection is allowed to these people or Select the desired value from the dropdown lists Login Drop down Click Login to login into the nternet Banking Cancel Action Button Click Cancel to cancel the Contribution Process Share Action Button Click Share to proceed with the Sharing process Transactions in View Goal The transactions option allows user to view all the transactions happened till date in that particular goal Only Open or Active transactions are allowed to check The Goal Transaction displays the Date of Transaction Description of Transaction Type of Transactions Debit or Credit and the Balance in the Account and Contributed By To View all Transactions in a Goal Navigate to Manage My Finance gt Goal section Click Transactions as shown in the following screenshot Transactions My Goals Fund Goal Add Funds to E Request Contribution Joint Goals your goal G Request friends and family for contribution 4 Edit Edit your goal 2 Participants Add your friends and Family as participants to your goal D AN V r goals with Comparison Compare your Goal Amount 100 000 00 GBP pd ba merchant other people like you My Progress 20 000 00 GBP 8 Transactions View the Redeem Redeem your goal B debits and credits on your goals User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 80
51. lease select Field Description Field Name Description Redeem Goal Redeem Type Mandatory Tabs Select the desired option from the following e Partial e Full Current Balance Display Displays the Current Balance Redemption Mandatory Input Box 15 Amount Enter the desired Amount value for Redeem Reason for Optional Input Box Redemption Enter the reason for redemption Account Transfer Mandatory Dropdown Options Select the desired value from the following e Transfer to Users Mapped Accounts e Transfer to Internal Bank Account e Transfer through Domestic Clearing Network Account Number Conditional Dropdown 20 The dropdown for this field is available only when the option selected for the account transfer is Transfer to Users Mapped Accounts Select the desired Account Number from the dropdown User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 91 Options Available for Goal Field Name Description City Conditional Drop Down This field is available only when the option selected for the account transfer is Transfer to Internal Bank Account select the desired City from the dropdown Branch Conditional Drop Down Account Number Beneficiary Name Network Type Bank Code Bank Name Bank Address City Cancel Submit This field is available only when the option selected for the account transfer is Transfer to Internal Bank Account Select the des
52. n the selected age group gender and state for category Cable Television is 0 0 Whereas Expenditure by you for this cateogry is 7 The average expenditure set by the people in the selected age group gender and state for category Rent is 0 0 Whereas Expenditure by you for this cateogry is 1000 Dashboard Manage My Spending User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 59 Spending Analysis Field Description Field Name Description Observation Display Bar Graph Displays the Graphical View of the parameter values selected for the comparison It provides you the details of the people falling in your category on the basis of parameter values you select for comparison Average Goals and Display Targets Displays the Graphical View of the Average Goals and Targets achieved by the people falling in your category on the basis of parameter values you select for comparison Note For additional information please refer to the Benchmarking Compare Goals section available in this same User Manual User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 60 Goal Calculator to View Indicative Savings Goal Calculator to View Indicative Savings Before creating a goal the Goal Calculator helps you to understand the Indicative Savings Note The Registered Users and visitors will only be able to use the Goal Calculator and Compare Goals On the Login page navigate to Tool
53. nking Personal Finance Management 62 Creating Goal Create Goal Manage My Finance Create Goal What are you Saving for Please provide your Goal Details Name your goal Goal_1 Goal Calculator Choose Category TD Choose Sub Category Income Set an amount 100000 GBP Change Image Set target date 31 12 2014 OR Set Tenure 0 Terms amp Conditions consideration of your opening or establishing from time to time at my our request such documentary credits as you Demo Bank Ltd may at your sole discretion think fit I we the person s who signed or executed the form overlesf hereby agree that the following terms and conditions shall apply to all such credits 1 We expressly authorize Demo Bank Limited the Bsank to employ in the preparation of ssid Letter of Credit such terminology as the Bank deems consistent with clarity of expression usual banking practice and my our intent as set forth herein 2 We acknowledge that this spplicstion and issuance of the L C sre governed by the various rules and regulations issued and or amended from time to time by the competent authorities Notwithstanding your acceptance of this application you sre not obligated to issue any if I we sre not qualified to spply for under such spplicable laws and regulations Furthermore you may reserve the right to alter or even delete any part or parts of this application so ss to be consistent with the applicable laws regulations
54. nt for category and subcategory to set budget for the respective category Sub categories Category Enter Amount for the Bud ITDSPCBK 8000 00 120000 00 4 2 The Budget can be set Weekly Monthly Quarterly and Annually Select the desired value from the dropdown Note The Set Budget can also be rolled over for a particular period of time Select a checkbox available for Rollover Budget User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 15 Budgeting Set a Budget Wh e gt Co D 9 B D T x A gt ce e e ce e mn Save Budget Field Description Field Name Description Period of your Mandatory Drop down Budget Select the desired value from the following e Weekly e Monthly e Quarterly e Annually Rollover this Budget Optional Checkbox Select the checkbox if you wish to rollover the same budget for future purpose Category with Sub Optional input Box 15 categories This field provides the input box for the respective categories Note The certain categories may have sub categories In such case click the Expandable Icon to enter the desired values for the desired sub categories User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 16 Budgeting Field Name Description Save Budget Action Button Click Save Budget to save the budget 3 Enter the desired value
55. onths Wrap Customize Columns Downlo E Date Customerld Account Transaction Ref No Transaction Description Amount Equivalent Currency Amount F 11 03 2014 10412001 1040412001018 104DEBK1407000EH NEW DEPOSIT EUR 11 160 00 GBP 10 000 00 e E yos cum A a e Luk Records 1 to 2 of 2 KI KI Page ilz of 1 i Manage Categories View Transactions Download 4 Click the C Edit icon available in the category column for the required record as shown in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 38 Spending Analysis A v Spending Analysis 2 7 Category Shopping View Trend of last six months Transactions Click here to change the Category or the Sub Category of the selected transaction omer 14 Account Transaction Ref No Transaction Description Amount gt Equivalent Currency Amd 201 1040412001018 104DEBK1407000EA NEW DEPOSIT EUR 11 160 00 GBP 10 000 00 hopping Clothes 201 1040412001018 104DEBK1407000EH NEW DEPOSIT EUR 11 160 00 GBP 10 000 00 e Shopping Clothes 110 2 of 2 of 1 m e ie Em Q c gt Categories View Transactions The drop down pop up appears as displayed in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 39 Sp
56. page The following page is displayed 69 f Creating Goal Options My Goals a l Fund Goal Add Funds to Request Contribution Joint Goals your goal p Request friends and family for contribution Edit Edit your goal Participants Add your friends and Family as participants to your goal LIE other people like you Share Share your goals with Comparison Compare your Goal Amount 100 000 00 GBP Friends on Facebook w goal performance with My Progress 10 000 00 GBP Transactions View the IR Redeem Redeem your goal debits and credits on your Sarai goals B Click any desired option to proceed with Goal related other activities User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 70 Options Available for Goal 9 Options Available for Goal The Goal related features are provided to the Existing Customer of the Bank These options provide the visitors to view the information related to Goals and navigate them to create various Goal functions 9 1 Fund Goal The Goal is to be credited at regular intervals based on the instructions if the Regular Contribution is been set The Ad hoc Contribution to the goal also can be done by the nternal Transfer from the Internal Accounts There are no restrictions to the number of times a goal can be funded during the tenure of the goal The goal can be funded from an account of different currency from the Goal Currency 1 Naviga
57. populated Optional Input Box 35 2 Once user selects the Domestic Clearing Bank Code from Search option These fields is auto populated Optional Input Box 35 Once user selects the National Clearing Bank Code from Search option field is auto populated Action Button Click Submit to submit the details The following page is displayed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 68 6 User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management Review Details Review Details What are you Saving for Name your goal Goal_1 Choose Category TD Choose Sub Category Income Set an amount 100000 GBP Set target date 01 01 2015 Set Tenure OYears9Months21Days Amount to start with Amount 10000 GBP Account number 1040411271050 How often would you like to contribute Funding account Number 1040411271050 Frequency Monthly Amount 10000 GBP Start Date 30 04 2014 End Date 31 12 2014 How do you wish to receive the amount on completion of tenure Account Transfer Options Transfer to Users Mapped Accounts Account number 1040411271050 Click Change to make changes to the details Click Create Goal to create a new goal The Goal section is updated as shown in the following screenshot Goal My Goals Joint Goals Goal Amount 100 000 00 GBP My Progress 10 000 00 GBP Creating Goal Click the Options button available on the Goal
58. ptional Dropdown Check box Select the desired value from the dropdown Select the checkbox if the same parameter is to be included for the comparison User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 58 Spending Analysis Field Name Description Choose State Optional Dropdown Check box Select the desired value from the dropdown Select the checkbox if the same parameter is to be included for the comparison Compare Action Button Click Compare to compare your Goal with the selected parameter values Select the required data Click Compare The following screen is displayed Result Y Compare with Peers Term Deposit Legal Expenses Medical bills Cable Television Rent m e di E x lt e Expenditure comparison for you with People in same group as you for same age group gender and state The average expenditure set by the people in the selected age group gender and state for category Term Deposit is 4480 29 Whereas Expenditure by you for this cateogry is 18906 81 The average expenditure set by the people in the selected age group gender and state for category Legal Expenses is 0 0 Whereas Expenditure by you for this cateogry is 20000 The average expenditure set by the people in the selected age group gender and state for category Medical bills is 0 0 Whereas Expenditure by you for this cateogry is 5 The average expenditure set by the people i
59. r use in any inherently dangerous applications including applications that may create a risk of personal injury If you use this software or hardware in dangerous applications then you shall be responsible to take all appropriate failsafe backup redundancy and other measures to ensure its safe use Oracle Corporation and its affiliates disclaim any liability for any damages caused by use of this software or hardware in dangerous applications This software and related documentation are provided under a license agreement containing restrictions on use and disclosure and are protected by intellectual property laws Except as expressly permitted in your license agreement or allowed by law you may not use copy reproduce translate broadcast modify license transmit distribute exhibit perform publish or display any part in any form or by any means Reverse engineering disassembly or decompilation of this software unless required by law for interoperability is prohibited The information contained herein is subject to change without notice and is not warranted to be error free If you find any errors please report them to us in writing This software or hardware and documentation may provide access to or information on content products and services from third parties Oracle Corporation and its affiliates are not responsible for and expressly disclaim all warranties of any kind with respect to third party content products and services Or
60. ransaction Submit Action Button Click Submit to submit the details for further funding process The following page is displayed Fund Goal Verify WE WILL MISS YOU Fund Gaal Goal will be funded as per the instructions given by you Funding Account 1040411271039 104 10411271 Amount 2000 GBP Goal 1 Field Description Field Name Description Goal will be funded as per the instructions given by you Funding Account Display Displays the selected Account Number for Funding Amount Display Displays the entered Amount Note The Amount should be in the multiples of 7000 User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 72 Options Available for Goal Field Name Description Change Action Button Click Change to make the changes to the details Confirm Action Button Click Confirm to confirm the details The following page is displayed on the confirmation Fund Goal Confirm 1 owl Transaction submitted for Fund Goal having reference 519925311552738 has been set to status Auto Authorized WE WILL MISS YOU Fund Goal Goal will be funded as per the instructions given by you Funding Account 1040411271039 104 10411271 Amount 2000 GBP Click OK Modify Goal The Edit option is provided against each goal It enables any user to modify the goal details at any time during the tenure of the goal The user can modify the Goal Name Goal Image and Goal Amount
61. raphs 4 Click the View Transactions button The following screen is displayed User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 28 Transactions Date 11 03 2014 11 03 2014 11 03 2014 11 03 2014 11 03 2014 11 03 2014 11 03 2014 11 03 2014 10 03 2014 10 03 2014 Fie es Ps A R e Spending Analysis Category Shopping View Trend of last six months Customer Id Account 10412001 10412001 10411591 10411591 10411591 10411591 10411591 10411591 10411735 10411735 1040412001018 1040412001018 1040411591018 1040411591018 1040411591018 1040411591018 1040411591018 1040411591018 1040411735016 1040411735016 Spending Analysis Word Wrap Customize Columns Downlo Transaction Ref No Transaction Description 104DEBK1407000EA 104DEBK1407000EH 104FTIN14069C3JM 104FTOC14069B1 YX 104FTOC14069B1 YX 104FTIN14069C3JM 104FTOC14069B1YU 104FTOC14069B1YU 104FTIN140699535 104FTIN140699524 NEW DEPOSIT NEW DEPOSIT INTERNAL FUND TRANSFER OUTWARD CUSTOMER TRANSFER OUTWARD CUSTOMER TRANSFER INTERNAL FUND TRANSFER OUTWARD CUSTOMER TRANSFER OUTWARD CUSTOMER TRANSFER INTERNAL FUND TRANSFER INTERNAL FUND TRANSFER Amount EUR 11 160 00 EUR 11 160 00 GBP 5 00 GBP 5 00 GBP 12 00 GBP 115 00 GBP 5 00 GBP 11 00 GBP 750 00 GBP 600 00 Equivalent Currency Amoun GBP 10 000
62. s and Calculators Goal Calculator Enter the Goal Amount to be achieved Category Initial Deposit Amount and the Regular Contribution Frequency along with the Goal Tenure The Interest Rate is displayed by default based on the rate applicable for the category selected Enter all the required details and click the Calculate button The amount that should be saved regularly to achieve the target set at the end of the tenure is displayed to the user The Proceed with Goal Creation button is available on the Goal Calculator Clicking this button navigates the user to the Goal Creation page User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 61 3 Creating Goal Creating Goal Creating a Goal helps user to analyze savings expenses and the time limit required to achieve the desired result This feature also helps to redeem share and compare goals It also includes additional features like Adding Participants Requesting Contribution for Goals etc Note This feature is used with the help of other features such as Budgeting and Spending Analysis To Set a Goal Navigate to Manage My Finance Scroll down to visit Goal section as shown in the following screenshot Manage My Finance My Goals You have not set any goals Please click on add goal to create a new goal Joint Goals Click Add Goal as shown in the above screenshot The following page is displayed User Manual Oracle FLEXCUBE Direct Ba
63. s the following option e Add New Category Enter the desired Category Name in the input box Category Conditional Dropdown This field is available only when the user selects the following option e Adda Sub Category Add a Sub Category Conditional Input Box 25 This field is available only when the user selects the following option e Adda Sub Category Enter the desired Sub Category Name in the input box Delete a Category or Conditional Dropdown Sub Category This field is available only when the user selects the following option e Delete a Category or Sub Category Select the desired Parent Category from the dropdown select the desired Sub Category trom the dropdown Cancel Action Button Click Cancel to cancel the process Update Action Button Click Update to save the changes made 2 Select the Delete a Category or Sub Category Radio Button 3 Select the desired Category or Sub Category as shown in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 54 Spending Analysis Selection of Category or Sub Category to be Deleted wv vw Spending Analysis Category LOAN View Trend of last six months Transactions Manage Category Manage Categories Customer 10412001 Add New Category Add a Sub Category Delete a Category or Sub Category PICNIC CONTRO M Rc 1 Click here to delete any Gulert du dnin Category or Sub Ca
64. t Box Once the user selects the SWIFT Domestic Clearing Bank Code from the Search option this field is auto populated Bank Address Optional Input Box 35 2 Once the user selects the Domestic Clearing Bank Code from the Search option This field is auto populated City Optional Input Box 35 Once the user selects the National Clearing Bank Code from the Search option this field is auto populated Submit Action Button Click Submit to submit the details Share Goal The Share Goal option allows user to share goals with contacts on social media from the available list of the friends A Goal can be shared with Public All Also the Multiple Contact Selection is allowed A message configurable by the bank with a title a short description of the goal personalized message if specified is posted on the wall of the user A link to the bank s URL is also available on the shared post This link navigates user to the bank s page from where the user can access Goal Settings The Goal can also be shared by the participant irrespective of whether the owner of the goal has shared the goal or not To Share a Goal Navigate to Manage My Finance Goal section Click Share Goal as shown in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 78 Options Available for Goal Share Goal My Goals a Fund Goal Add Funds to Request Contribution Joint Goals your goal
65. t set for any categories please click on create budget to set budget for the available categories Spending Analysis amp E x e e This space will help you to view and analyse your spend patterns in graphical form Dashboard Manage My The Manage My Finance feature includes the following areas e Budgeting e Spending Analysis e Creating Goals User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 8 4 Budget Calculator This feature is available for the following types of users e Existing Users e Prospect Customers To Access the Budget Calculator 1 Navigate to Budget Calculator from the Home page Home Page ORACLE Personal Corporate Login to Internet Banking Login New to online banking P2P Payment With P2P user can transfer funds to recipien s designated email address Mobile or Facebook Once the transfer has been initiated by the sender the recipient then recieves a notification to use the online interface to input his bank Claim Now Received P2P Payment Products amp Offers Current Accounts Insurance View More Our Current Accounts are designed to help you manage your transactions Find out more about our different types of current accounts Whether you are looking for a insurance to make a secure life for your future we have a perfect plan for you View More Retail Loan Savings Accounts View More
66. te to PFM gt Manage My Finance gt Goal section 2 Click Fund Goal as shown in the following screenshot Goal My Goals X Fund Goal Add Funds to Request Contribution Joint Goals your goal p Request friends and family for contribution Participants Add your friends and Family as participants to your goal Share Share your goals with Comparison Compare your Goal Amount 100 000 00 GBP Friends on Facebook goal performance with other people like you a My Progress 20 000 00 GBP ea E Transactions View the xxx Redeem Redeem your goal debits and credits your goals The following page is displayed Fund Goal Initiate Fund Goal WE WILL MiSS YOU You can Fund your goal through your funds from an existing saving account Funding Account 10411271 1040411271039 CO Q Amount 2000 GBP Minimum goal amount200 00 Maximum goal amount 25 578 887 00 GBP User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 71 Options Available for Goal Field Description Field Name Description You can Fund your goal through your funds from an Existing Saving Account Funding Account Dropdown Select the desired Account Number for Funding Amount Mandatory Input Box 15 Enter the desired Amount The field also displays the Currency Type is same as the Currency Type selected for your Saving Accounts Cancel Action Button Click Cancel to cancel the t
67. tegory Category or Sub Category to be deleted 3 Click here to confirm the deletion amp 5 es x e Transactions 4 Once the selection is made click Update The success message appears as shown in the following screenshot User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 55 Spending Analysis Success Message Spending Analysis Transactions Manage Category SUCCESS 4 Category Deleted Successfully Customer Id 10412001 Category PICNIC CONTRO e 5 BI x Q e 5 Click Close to return to the Transaction List User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 56 Spending Analysis 6 7 Compare with Peers The Compare with Peers feature helps for Benchmarking The user is able to view the comparison of the five highest expenditure categories with that of peers To Access the Benchmarking 1 Login to the nternet Banking Navigate to the PFM gt Manage My Finance gt Spending Analysis section Click the Compare with Peers button available on the Spending Analysis page as shown in the following screenshot Spending Analysis Spending Analysis E TempCatego E LOAN E Other Expenses E Rent Bl Others Amount in GBP V S Categories SB o ee Vw T 4 S 2 View Transactions Compare with Peers Download 7 EA 7 os BI ion
68. ternal Bank Account e Transfer through Domestic Clearing Network Account Number Conditional Dropdown 20 The dropdown for this field is available only when the option selected for Account Transfer is Transfer to Users Mapped Accounts Select the desired Account Number from the dropdown City Conditional Dropdown This field is available only when the option selected for Account Transfer is Transfer to Internal Bank Account Select the desired City from the dropdown Branch Conditional Dropdown This field is available only when the option selected for Account Transfer is Transfer to Internal Bank Account Select the desired Branch from the dropdown Account Number Conditional Input Box The nput Box for this field is available only when the option selected for Account Transfer is Transfer to Internal Bank Account OR Transfer through Domestic Clearing Network Enter the appropriate Account Number User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 67 Field Name Creating Goal Description Beneficiary Name Network Type Bank Code Bank Name Bank Address City Submit Conditional Input Box 35 Enter the desired Beneficiary Name Dropdown select the desired Network Type Lookup Icon Select the appropriate Bank Code using the Lookup Icon Optional Input Box Once user selects the SWIFT Domestic Clearing Bank Code from Search option this field is auto
69. to the following categories Preface gives information on the intended audience It also describes the overall structure of the User Manual Transaction Host Integration Matrix provides information on host integration requirements for the transactions covered in the User Manual Chapters post Transaction Host Matrix are dedicated to individual transactions and its details covered in the User Manual Related Information Sources For more information on Oracle FLEXCUBE Direct Banking Release 12 0 3 0 0 refer to the following documents e Oracle FLEXCUBE Direct Banking Licensing Guide e Oracle FLEXCUBE Direct Banking Installation Manuals User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 4 Transaction Host Integration Matrix 2 Transaction Host Integration Matrix Legends Transaction FLEXCUBE UBS Third Party Host System Asset and Liability Currency Wise Position Budget Calculator Set Budget Modify Budget View Expenses Vs Budget Budget History Delete Budget Spending Analysis Sub Categories Spending Analysis Re Categorization Adding a new Category or Sub Category Deleting Existing Category or Sub Category Compare Spend Working of Goal Settings Goal Calculator to View Indicative Savings Creating Goal Categories in Spending Analysis User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 5 Transaction Host Integrat
70. udget for the Category and Sub Category Close Action Button Click Close to close the Budget History window Click Close to close the Budget History window User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 24 Budgeting Note An Alert is received in the following situations Alert on Budget Exceeding Threshold Alert on Budget Exceeding Limit Alert on Rolling Over Budget 5 6 Delete Budget If multiple values to be modified a user can simply remove an existing budget and create a new one 1 Click Delete Budget to remove an existing budget Delete Budget Set A Budget Click here to delete this budget Save Budget 4 Delete Budget 2 Click OK for the Confirmation Message displayed as Budget Set and the history maintained for the budget set shall be deleted 3 Click Create Budget available on the Manage My Finance page Note Once an Existing Budget is deleted OR the Rollover Budget option is deselected then the corresponding history is also deleted The Warning Message is displayed on the screen before deleting any budget User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 25 Spending Analysis Spending Analysis The Spending Analysis option allows you to view graphs and analyze the Spending Patterns A user can view the Spending Analysis in the following forms e Chart default graph Bar Graph You can also Print and Download the
71. wn Options Select the desired value from the following Transfer to Users Mapped Accounts e Transfer to Internal Bank Account e Transfer through Domestic Clearing Network Account Number Conditional Drop Down 20 The dropdown for this field is available only when the option selected for the account transfer is Transfer to Users Mapped Accounts Select the desired Account Number from the dropdown City Conditional Drop Down This field is available only when the option selected for the account transfer is Transfer to Internal Bank Account Select the desired City from the dropdown Branch Conditional Drop Down This field is available only when the option selected for the account transfer is Transfer to Internal Bank Account Select the desired Branch from the dropdown User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 77 9 3 Options Available for Goal Field Name Description Account Number Conditional Input Box The input box for this field is available only when the option selected for the account transfer is Transfer to Internal Bank Account OR Transfer through Domestic Clearing Network Enter the appropriate Account Number Beneficiary Name Conditional Input Box 35 Enter the desired Beneficiary Name Network Type Dropdown select the desired Network Type Bank Code Lookup Icon Select the appropriate Bank Code using the Lookup Icon Bank Name Optional Inpu
72. would you like to contribute How do you wish to receive the amount on completion of tenure Field Description Field Name Description Edit Goal What are you Saving for Please provide your Goal Details User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 74 Field Name Options Available for Goal Description Name your Goal Choose Category Choose Sub Category Change Image Set an Amount Set Target Date OR Set Tenure Goal Calculator Compare Mandatory Input Box 35 Enter the desired Name for your Goal Mandatory Dropdown Select the desired Category from the dropdown Mandatory Dropdown Select the desired Sub Category Hyperlink Click the link to Browse and Upload the desired photo Mandatory Input Box 15 Enter an appropriate Amount for Goal Setting This field displays the Currency Type same as the one applied for user s Account Summary Conditional Date Picker Select the Target Date from the Date Picker Conditional Dropdown select the desired Tenure Values for Years Months and Days Hyperlink Click the Hyperlink to open the Goal Calculator Hyperlink Click the Hyperlink to compare your goal with the Standard Values selected from the database It helps you to modify your existing Goal Settings User Manual Oracle FLEXCUBE Direct Banking Personal Finance Management 75 Options Available for Goal Edit Goal Edit Goal x

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