KIVA Group, Inc. is the exclusive provider of CT products outside the United States. Our extensive experience in installing and supporting CT solutions enables us to bring powerful and flexible branch automation solutions to the global banking community.

Consumer Transaction (CT) provides powerful tools for the development of comprehensive teller and CSR solutions for financial institutions. CT is the most widely installed branch solution worldwide, providing banks with robust functions to process branch business.

Consumer Transaction Definition, or CTD, lets you easily implement and grow user applications to address your changing branch requirements for customer interaction and service delivery.

Consumer Transaction Runtime, or CTR, provides the user application, enabling Tellers and CSRs to perform:

• Monetary and control transactions
• System security and administration
• Electronic journaling
• New account openings
• New loan applications
• Maintenance transactions
• Inquiries
• Management Reporting

Consumer Transaction Definition (CTD)

Through CTD‘s powerful development facility, you can easily implement and grow CTR user applications to address your changing branch requirements for customer interaction and service delivery. CTD provides a "what you see is what you get" (WYSIWYG) multi-user development facility to those institutions that wish to develop their own application. Extremely rich in function, the development facility supports a data repository which is used to create your application. This can be accomplished by either creating your application from scratch, or by customizing a KIVA base transaction set

CTD is a DB2 based product that, in addition to providing the facilities to customize or create an application, provides a data repository for your application entity.

CTD runs on Windows NT, Windows 2000 and OS/2.

Consumer Transaction Runtime (CTR)

The purpose of the Runtime program is to execute Teller and Platform transactions that have been defined using the CTD program, augmenting them with built-in functionality. CTR also includes a number of administrative functions such as security enforcement, transaction authorization, and maintenance of journal files, cash balances, and other branch information.

KIVA offers base transaction sets that provide a comprehensive foundation or design point for developing custom solutions for branch automation requirements.

CTR supports Linux, Windows 2000, Windows NT, OS/2 or DOS environment

Branch Transformation: "Upgrading your Current CT Solution"

The CT product family continues to evolve, and therefore provides you with a variety of options to upgrade your current installation to meet the changing demands of your business and technology requirements.

Upgrade options include:

• New financial transaction capabilities
• Expanded communications options
• Window NT and Windows 2000 options
• NEW! LINUX platform solutions