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 In the First week of Induction training programme, we will briefly touch upon
some products in T24.
You will be learning Navigation of T24 Model Bank, opening Customer
records, accounts records, handling teller related transactions, Funds transfer
comprising of outward and inward remittances ,its delivery messages and
reports.
You will have a feel of T24 by doing workshops through T24 Model Bank like
Opening of Deposit, Money Market Deposits etc.
You will also be able to understand what is risk management and how risk is
handled by the Bank with the help of T24.

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 T24 can be operated with two different front ends, namely Browser and
character based Classic. Both are complementary products and have the basic
functionality. However, each of them has certain specific features.
Browser is the latest front end to Temenos T24. It is a light client as we use a
common browser link Internet Explorer to log on to Temenos T24. Hence there
is no need for installation of special software in the client systems.
Classic can be used for running COB operations and online service agents. It is
meant for system administrators.

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 T24 Browser is an intranet based front end. Logging on to T24 can be done by
using Internet Explorer or a Netscape Navigator.
To log on to Temenos T24 one needs to type only the appropriate URL in the
address bar of the Internet Explorer or Netscape Navigator. The URL might
differ from one installation to another.
Once the correct URL is typed in the address bar, the T24 sign on screen will
appear where Sign on name and password have to be specified. Sign on name
and password are case sensitive.
Sign on name as well as password can have alphanumeric characters.
After input of appropriate T24 Sign On name and Password, the user can click
on the right mark or press enter.
If Sign on name or Password information is not correct, there will be an error
“Please check your Login Credential and/or access rights”.

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 On successfully signing into Temenos T24, one will be taken to this screen. It
is designed with menus for users, administrators and specific users under Role
Based Home Pages, classified on the general business flow in a Bank. While
the above representation is the standard colour scheme and template (skin) of
Temenos, it is possible to choose different skins.
The various features of this screen are described and discussed in the following
pages.
To log off the system, one needs to click on the button with a “ I “ as shown in
the screen shot above.

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 Name of the currently logged in User appears in the top left hand corner of the
screen.
Following that, various details like when the user last signed on and the
number of attempts including unsuccessful attempts (using incorrect password)
is also shown. Next tool bar with several buttons.
This is followed by a “Command Line”. We will now continue to see various
browser buttons.

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 Help will display online help text, user guides etc. about T24 Browser. It may
be noted that the help text, user guides etc. need to be installed for the links to
work. The help text is to help on specific products and it can be used for a
detailed explanation of the application / products available and how they work
with T24. Browser Quick guide gives details for understanding the browser
buttons.

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 T24 Browser provides a set of tools to make easy some of the common
administrative tasks that users perform.
Change Password option allows the currently signed on users to change their
password.
If the password change is successful, the text “Password changed successfully”
is displayed. The change will take effect from subsequent logon. The next
option in the browser tools is My Companies option which allows the user to
move / change from one company to another. In T24, normally each branch of
a Bank is referred to as a company. The User will be permitted to change to
other companies based on the Security Management System (SMS) access
control settings.

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 We will now see that the access to the command line is generally useful for
super users and Administrators.
When the application name is typed, the next screen will open the application
and wait for further input by the user. Any of the following actions can be done
now.
User can see the list of existing records by clicking on the down arrow and
then select an existing record.
A new record can be created by clicking on the next button.
Finally, if the record Id is known, then Id can be input and use one of the three
buttons on top. We shall later see more on these.

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 When the application along with the function is given but without the Id, the
same screen as in the earlier option will be displayed.
When the function is given along with an Id for the application, then the next
screen opens with the existing record, if available or a blank record. The
following functions can be mentioned using the first character as an
abbreviation.
(I)nput is used for creating a new record or editing details of an existing
record. Two users cannot access the same record simultaneously in the input
mode.
(A)uthorise is used for authorising a record which has been input by another
user.
(D)elete is used for deletion of an unauthorised record. In T24. only
unauthorised records can be deleted.
(R)everse is used to remove an already authorised record.
(S)ee is used to allow the user to merely view the details of a record and not
change anything.
(V)erify is used in some T24 applications. In Forex application at times deals
are done through brokers. When the broker confirms, the details are verified
through this function and confirmation is recorded .

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 On signing on successfully into T24, the User is presented with a Menu to
navigate around the system. Menus can be expanded to see submenus,
versions and enquiries.
These Menus are structured for each user or group of users. They are attached
through User Profile. In the above sample, clicking on User Menu takes us to
next level sub menus like Retail operations, which in turn takes us to the next
level sub menu like Account.
Under this Sub menu we have various applications/versions for
operation/inputting within them. Another sub menu namely Account Enquiries
takes the user to further enquiry/reports screen.

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 On signing on successfully into T24, the User is presented with a user defined
Menu to navigate around the system. In many Banks there are specific role
assigned to every user. Depending upon their roles menus are created as a
home page. Retail home page has custom set of menus/enquiries required by a
Retail user to carry on the day to day operations. For Example Home Page
will help the User to process account transaction, view the customer details,
input transactions and view/create opportunities for the customer. Home Page
is also designed to assist the supervisor in authorising transactions, to view
enquiries and delivery messages.
Components of Retail user Home Page is available in the form of tabs, for easy
navigation.
Functionality is provided with essential CRM features for the front end.

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 When an application is opened, the user can input the ID and use any of the
buttons depending on the function to be invoked, viz Edit, View and Action
button.
In edit mode, a record is opened with input function. This is used to create a
new record or amending an existing record.
In view mode, a record could be seen. Only the fields with values will be
displayed. Further, the field values can only be seen and not changed.
In action mode, functions like authorise, delete, reverse and verify are enabled.
This is an alternative method to giving the function along with the application
and ID in the command line of the first screen.

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 When a user gives an application in the command line, the system opens the
application. The first button displayed with a downward arrow is used to
display the list of existing record. In most applications, T24 can be set to
generate ID automatically.
In such cases another button is available alongside to enable the user to open a
new record. On clicking this button for a new record, the system will open a
screen for input of values for the record.
We will first see the list of buttons on top of a record.
The first button is used to commit and save the record to the data base.
The second button displays validation of a record. It is useful when the user
wants to validate the input done even before saving the record to the database.
Incomplete/incorrect information are displayed as errors which can be rectified
by the user before saving.
In both the above instances, T24 generates ID for the transaction if it is a NEW
record.
The third button is to put the record on hold. For example if some incomplete
particulars are received in a Bank, then the user will input the available details,
put the record on hold. After getting the full particulars the user can recall the
record on Hold and complete by updating the record.

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 The next set of buttons are the functions enabled when using the action button
for an existing record ID. For a NEW record these will be disabled.
In T24, delete function is used to delete an unauthorized record. When system
generates ID automatically, the ID of the deleted record will remain unused
unless manually input by the user.
The authorize function is to be used by authorizers. An authorizer should be
different from the user who has input the record.
Any record which has been authorized cannot be deleted and can be removed
from the live files only by using the Reverse function. This moves the record
to history.

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 The next button in a record screen is used to verify the record. This is
applicable only for certain transactions.
In FOREX and MONEY.MARKET applications, deals are done at times also
through brokers orally. When the written confirmations are later received,
verify function is used to record time and date of receipt of confirmation.
The Up arrow button helps user to return to application or the previous screen.

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 We will now see how to move around within a record. While inputting the
details, the user can avail of the online help for any of the fields in the screen
by clicking on the appropriate field text.
The button with the letter “i” is useful to invoke context enquiry which needs
to be predefined in the system. For example , when ever an account is to be
debited, a user would like to know the balance in that account. For such
purposes an enquiry is attached to the field as a context enquiry. It is possible
to invoke this automatically or manually.
One significant and important feature in T24 is called multi value and sub
value facility. When a field requires to hold multiple data it can be
dynamically expanded or deleted during transaction input stage.
For example a Customer may have multiple accounts, say five and another
only one. In such a case, the Account field can be made as multi valuable and
used suitably.

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 To make it user friendly there are radio buttons with alternative values in the
fields displayed. One of the options can be used by clicking on the appropriate
button.
There are drop down boxes available in certain fields, when is validates with
predefined values available in the system. With the help of these drop down
boxes, a user can pick values already stored in the data base.
For ease of input of frequency type of value, certain popup are available which
displays a dialog box for giving the next date and frequency thereafter.
Calendar pop ups are available for appropriate fields to enable selection of
dates for a transaction.

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 T24, displays different types of messages. The first one is raising of error
messages.
When input is incomplete or with incorrect data, the system raises error
message while the record is committed
To proceed further, the error messages that are displayed along with the field
needs to be corrected. By clicking on the field name displayed, the cursor
moves to the particular field to enable correction. The record cannot be
committed without rectifying the errors displayed.

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 There is another type of message called Override message.
Whenever there is a deviation to the specific setup in the system, a warning
message is raised by T24. Certain types of these warnings are called as
overrides and such messages can be accepted by the user or not. If accepted,
then the input is saved and the message is recorded in the transaction. If the
User does not want to accept, the application should either be closed or the
situation pointed out should first be rectified.
For example, when a transaction results in over drawing the balance in an
account, an override message is displayed stating that the balance exceeds
arrangement or it is an un authorised over draft depending on whether the
account has overdraft facility or not.
Another type of message is for confirming whether or not pre-defined
documents have been received. They are generated by
DOCUMENT.MANAGEMENT application. Here, both the choices,
Received and Not received are stored appropriately.
For example, when there is a setup for receiving documents for opening an
account, the user can record whether the same have been received or not, but
continue with the completion of the transaction.

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 To copy an existing record, it should first be opened.
Thereafter, pick the option Copy from the drop down in the More Actions
available at the top. Copied records are stored in clipboard. Copied records
remain in the clipboard till logging off from the session.
Copied record should be suitably pasted to a new record. Copying and Pasting
are two different actions.

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 To paste a copied record, User should go back to the application and open a
new record into which the copied details are to be pasted.
When T24 displays a blank record opening screen, using the paste option in
the More actions drop down, the last copied record is pasted onto the blank
record. All the values from the copied record get pasted except for fields which
need unique values.
Those fields have to be physically filled before the record could be committed.
If any other field value is to be modified, that could also be done now.

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 List - Lists all the records available in the Application in the appropriate files
namely, unauthorised, live and history.
For example, if a list of all the transactions that require to be authorised is
required, then the list option of the unauthorised file is to be selected.
Find – This is an option by the required files could be found by filtering the
records in live or un authorised or history files. For this purpose a selection
box is displayed for the user give the criteria.
To specify the criteria, the user can use any of operands like Equals, Not equal
to, Great than, Greater than or equals, Less than, Less than or equals, Between,
Not Between, Contains, Not Containing, Begins with, Ends with, Does not
begin with, Does not end with and Matches. The operands Equals, Not equal
to, Great than, Greater than or equals, Less than, Less than or equals are used
for comparison of numeric values. Between and Not Between can be used
when a range of numeric values are to be compared. The 2 numbers are
specified with a space between them For example to select values from 30000
to 35000, it is specified as 30000 35000.
The remaining operands are used for locating alphanumeric or string values.
Contains and Not containing will select values with the string value anywhere
in between the field value. Begin and End with will locate for strings in the
beginning and end of the value. Matches identifies exact values for the string.

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 To do a listing, the user should open the application and use more actions. Live
file contains list of all the current records in that application. Unauthorised file
holds the records which need authorisation. History file holds records of all the
changes made to the current record or the reversed records of the application.
Here it may be observed that, when a user is listing a live record, two options
are available. By clicking the magnifying lens under the user default list, a
user can view the record under see mode only.
However if he clicks on the ID, the ID gets pasted on the blank bar of the
application. The user can then edit the record under edit mode or view the
record under view mode or perform actions in action button like reversing a
live record.

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 Search operation can also be performed on all the three types of files. A
selection box is displayed to define criteria.
In the above example, to search the history records in USER application, INT
classification and 1 Language have been chosen. This should search for
Internal users using English Language. After giving these criteria, there are
two options to initiate the search. Either press enter or click on the right
symbol at the top of the box. To give the selection criteria, wherever
applicable, dropdown box or calendar pop ups are displayed against the fields.
These selection criteria can be added to the favorites using the option on left
corner of the screen.
If needed, the results could be shown duly sorted by clicking on more options
on top right corner of the screen.
From the result of search, it could be observed that the display is only those
records fulfilling the selection criteria.
The history record IDs are suffixed a semi colon and a number. Whenever a
live record is modified, the previous status is in history. Like this, a record
might have been modified several times. The current Live record will display a
Current status number. Let us assume a record with ID of ABCDE is having a
Curr number of 7. It means that the record has undergone modifications seven
times including the initial creation. The earlier six records will be in history.

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 The earliest one in History will have an ID of ABCDE;1 and the next, ABCDE;2 and
so on.

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 Enquiry is a utility in T24 to view information available in a format required
by the user and can be customised to suit the Bank’s needs.
Enquiry is used to view data needed on line. For example - cash balance in an
account, all accounts of a Customer, address of a Customer, etc.
Enquiries can be designed to dynamically select certain records by giving an
option to the user and invoking the selection box similar to the earlier
example.
Enquiries are defined under menus. It can be attached to applications and
invoked depending on the context of the field value in the application. This is
called context sensitive enquiry.
In the above example, through an Enquiry we get into an account and from
there, by using more action facility, we get into a context enquiry of all the
accounts of a customer. Like this, enquiries can be an integral part of work
flow.

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 Enquiries can be captured from context sensitive enquiries also. For example a
bank is interested in the knowing the total number of accounts of a customer in
a bank. By selecting account application in Command line and selecting a
particular account number, user can view the account of a customer. Apart
from this the user can also view the list of account by going through context
sensitive enquiries.

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 Now we will learn to use the buttons related to the enquiry results. While
scrolling down the enquiry report of list of customers, there are a set of buttons
each having its own set of function. Refresh button is used for refreshing the
enquiry results and get the information dynamically built according to the
changing details in the data base. The magnifying glass is used to jump back to
the full selection screen to enable the user to revise the selection criteria. The
printer image is used to print the enquiry details. The button with the letter I
takes the user to the default list of respective application.
On scrolling down the page of the enquiry display, we can see buttons which
takes the user to the first page, previous page, specific page, next page or the
last page of the results generated by the enquiry.

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 The Search / Enquiries result can be opened or saved in any of the following
methods.

CSV will have the output saved as Microsoft Excel Comma Separated File in
any location specified by the user.

HTML will have the output saved as “.html” file in any opted location.

XML will have the output saved as “XML” file in any opted location.

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 When ever the user wants to save the record in CSV format, he has to select
the record and save it in CSV format which is shown in the display of the
default list. The saved records can be opened in Excel format.

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 Similar to that of saving the record in CSV format the records can be saved in
HTML format also., by clicking the enquiry display icon as save in HTML.

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 Similar to that of saving the record in CSV format, HTML format the records
can be saved in XML format also., by clicking the enquiry display icon as
save in XML.

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 Reports are used when hard copy data of close of business position is needed.
Reports are prepared at a specific point or cutoff – close of daily business, end
of month etc. Reports can also be designed to be printed online if necessary.
Standard reports are the Daily General Ledger, Weekly report on Over dues,
Monthly report to Central Bank.
Standard reports are available and can be accessed using suitable menus.
For example, under the credit operations, we can view the report of limits to
customers which have expired.

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 While opening the COB report in respect of Limits which have expired, it
gives a detailed report in respect each customer with limit reference number,
customer name, type of loan, limit amount, outstanding amount expiry date
etc.

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 IHLD is a record put on Hold. This would be the case if the inputter is required
to check some details before proceeding. By placing the record on hold it helps
to recall the earlier input and avoids repeating the whole input.
INAU is a record which has been input and not Authorised. It is waiting for a
supervisor or checker to authorise this.
INA2 implies that the record requires a second Authoriser. This would be used
for transactions that have been set up to require two people to check the input
details.
INAO means records input and awaiting approval of override. This is where
the operational process requires a further specific authoriser to approve the
override before an entry could be posted. A report on all INAO status’ is
compiled in the COB run.
RNAU means reversal not authorised. A reversed record also needs to be
authorized for approving the reversal.
HNAU are records which have been restored from history and needs
authorising.
The Audit Log is an important part of the record. It holds information of the
number of times the record has been amended, the details of Inputter like the
Session and User ID, Date and time of input and also the person who
authorised the record.

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