Client References

Raiffeisen Bank (Croatia)

Raiffeisen bank Austria d.d. Zagreb (RBA) was founded in 1995 and was the first bank in Croatia that was founded by a foreign financial institution. The branch and outlet network developed strongly in a bid to enhance the access of clients, particularly small and medium-sized entrepreneurs. RBA now has over 70 branches in 37 towns throughout Croatia and is the fourth largest bank in Croatia. It has won numerous local and international awards for customer orientation and its high service quality, including the best Croatian bank in 2006 and 2008 as awarded by The Banker magazine.

Raiffeisen International's consolidated profit rose by 17 per cent to EUR 982 million in 2008, with a balance sheet total of EUR 85.4 billion at year-end. The group has over 63,000 employees, servicing more than 14.7 million customers in over 3,200 business outlets.

RBA installed the Siebel Branch Teller system throughout their branch network in 2006. In mid 2010, Xeon was engaged to assist the bank to upgrade the application to EJB 2.1 on Websphere 7.0. Xeon also provides general support to RBA as the bank designs and rolls out functional enhancements to their branch network so as to better serve the evolving needs of their customers.

Further information can be found at: www.rba.hr

AFCU (Utah, USA)


America First Credit Union is a member-owned, cooperative financial institution originally set up in 1939. It provides checking, savings, loans, credit cards, investment and corporate products. With over 500,000 members and assets in excess of US$4.87 billion, AFCU is the largest credit union by assets in the United States and its 6th largest credit union by membership. It offers services across a 100 branch network.

Xeon was the principal implementer and systems integrator for the Siebel Branch Teller branch rejuvenation project. Xeon is currently providing on site and off site support for AFCU as they add enhancements to their sytem. The following functionality was built by Xeon for AFCU:

  • 27 financial transactions
  • Check 21 capability - cheque image storage and processing
  • Remote viewing of cheque images during supervisor authorisation
  • Integration of the Teller system to cash dispensers / recyclers and coin dispensers
  • Integration of the Teller system to the Ingenico card swipe, PIN entry, signature capture and electronic receipt preview device
  • Integration of the Teller system to the digital video recording security camera system
  • Back office reconciliation reports

Further information can be found at: www.americafirst.com

Welcome Financial Services (UK)


Welcome Financial Services is a part of the Cattles group which was set up in Hull in 1927. Cattles specialises in providing non-standard financial services to customers who do not have access to mainstream credit facilities. This is often due to perceived shortcomings in the customers' employment, residency or credit histories. By providing an opportunity to build or repair their credit histories, Cattles offers many customers a route back into mainstream lending.

Cattles' largest business unit is Welcome Financial Services, for whom Xeon both enhances and supports their Siebel Branch Teller system. Welcome has more than 500,000 customers and facilitates direct loan repayment via its UK wide network of over 180 branches. 220,000 financial transactions are processed each month by the 2,000 users of the Teller system.

Xeon enhances and supports the following functionality which has been added to the Siebel Branch Teller system:

  • Loan payments by cash, cheque, postal order, transfer and bank cards
  • Loan account payment maintenance (settlements, non ageing payments, write offs etc.)
  • Consumer Credit Act compliant payments for default sums
  • Reoccurring card payments
  • Back office account maintenance (branch suspense accounts and reconciliation)
  • Teller cash drawer maintenance
  • Integration with Siebel CRM

Further information can be found at: www.cattles.co.uk or www.welcome.co.uk

Vakif Bank (Turkey)


VakifBank is one of the leading multi-specialist banks in Turkey. The modern banking products and services that it offers cover not only corporate, commercial and small-scale enterprise banking, but also the retail and private banking sectors. Being engaged in investment banking and capital market activities in addition to the basic banking products and services, VakifBank offers the full range of financial products required in this era via state of the art technology.

VakifBank reaches out to its corporate and individual customers in a most efficient manner. It has 620 branches spread throughout Turkey. Its alternative distribution channel is via its internet banking, telephone banking, 2,100 ATM’s and 87,500 POS units. It undertakes a leading role in the financing of domestic and foreign trade and has international offices in New York, Bahrain, Austria and Germany. VakifBank has almost 10,000 employees, assets under management of approximately 25 billion EUR and made profits in 2009 of approximately 600 million EUR.

Xeon successfully rolled out the new Siebel Branch Teller system to 600+ branches and over 4,500 users. Xeon currently supports the bank to handle over 500,000 financial transactions per day servicing 22 million accounts. The following functionality was built by Xeon and is now deployed across VakifBank's branch network:

  • Deposits, withdrawals and funds transfers
  • SWIFT, EFT and foreign exchange
  • Account creation and maintenance
  • Standing orders, direct debits and bill pay
  • Credit card and debit card maintenance
  • Promissory note operations
  • Eurobonds, fixed income securities, futures options and equities trading
  • Receipts, statement production and passbook printing
  • Supervisor authorisations
  • Teller and cash drawer operations
  • Integration of service requests with Siebel CRM
  • Multi lingual application (English and Turkish)

Further information can be found at: www.vakifbank.com.tr