CREDITS
The more advanced technology in the world of banking transactions began to use computer-based technology to facilitate transactions with customers. who has served customers by having to meet / customers coming to the bank branch provided by the bank he used to store / infertasi becomes easier because the bank started using computer-based technology and now can access via the internet even with mobile "SMARTPHONE" with SMS has been applied by many banks. In the banking world, the development of information technology makes companies change business strategy by putting technology as a key element in the process of product and service innovation such as:
The existence of transactions in the form of money transfer via mobile or via teller.
The existence of ATM cash withdrawal (Auto Teller Machine) in cash 24 hours.
Use of the Database in the bank.
Data synchronization at Branch Office with Bank Head Office.
With our computer network connection or communication with clients become more efficient, and faster. For example: email, teleconference. While at home can communicate with other users to establish a relationship (chat), and as entertainment can be used to play online games, file sharing. If we have more than one computer, we can connect to the internet through the network. For example like in a cafe or house that has many rooms and there are every computer in it. In the banking world, the development of information technology makes companies change business strategy by putting technology as a key element in the process of product and service innovation. as well as electronic transaction services (e-banking) through ATM, phone banking and Internet Banking,
The function of information technology (IT) has undergone rapid changes and developments in the last decade. An increasingly specialized IT function encourages each bank to form its own special section, department, or work unit. although the structure is dependent on various factors such as business scales and workload, but the work unit reflects two aspects of activity, the aspects of technology development and operational aspects.
The data processing facilities are available in the bank. The data processing facilities are available in the bank. the facility serves to handle, select, calculate, compile, report, and transmit information. .so the use of IT in such banks is to improve the effectiveness and efficiency of data management of the banking business activities so as to provide accurate, timely, timely results and can guarantee the confidentiality of information (as per Bank Indonesia regulations).
The proper TSI function can not be separated from the criteria of choosing the type of technology that will be used by the bank. The computer application system used in the banking sector should be able to accommodate all the needs of the bank and in accordance with the provisions of the monetary authority (regards this is Bank Indonesia). This requires the selection of computer software given the type of software available and offered in many relative markets. In general the election is based on the suitability of the software and the value of the investment.
For example, Banks with relatively small capacity, such as Rural Banks are less relevant. This is due to the fact that it is not necessary to make transactions in foreign currency and does not participate in the payment of demand deposits. The use of such software becomes inefficient and the investment cost is greater than the added value of it produces.
Selection criteria for good banking computer software in accordance with the needs of banks in general based on the following considerations:
Documentation or Data Storage Capabilities
Types and classifications of relatively large bank data must be accommodated by the software to be used, including consideration of data security requirements. The number of customers as well as the frequency and number of large daily transactions require large computer memory, in addition to requiring high-speed processors as well. for example less efficient when using large machines, eg AS / 400 in operation because capacity and geographic coverage are usually relatively small.
Flexibility (Flexibility)
Bank operations are always evolving with changing needs and can increase in the future even though the basic information remains the same. This condition must be anticipated by computer software to some extent. each bank has systems and procedures that may vary even if the basic data or information is processed the same. Flexible computer software can be used by two banks with the same capacity but different systems and procedures.
Security System
As a trust institution, banks need a reliable security system to maintain the confidentiality of customer data or finances; as well as to prevent misuse of data or finances by other irresponsible parties. Good computer banking software should provide such control and security facilities.
Ease of use (user friendly)
The notion of being easy to operate does not mean that every user (user) can access the software but the officer who does have the authority to easily operate the process of responsibility. The input, process, and output stages performed on the software are not an obstacle in overall banking activity. A good computer application system can even detect operational errors by providing error messages and providing troubleshooting instructions.
Reporting System
The required data or information should be presented in a clear and understandable form. Banks need clear and complete reports, especially in the audit process or presentation of reports that can be understood by parties related to each bank's financial expectations to be more transparent and accountable.
Aspects of Maintenance
The performance of banking software is expected to be relatively stable as long as banks operate. This condition requires good maintenance aspects, in the sense that technically not difficult and does not require a relatively expensive cost. This maintenance also concerns the replacement or repair of technical equipment and modifications or software development.
Source Code
The banking software is usually a package of programs that have been compiled so that it becomes an executable file. Program files are relatively irreversible or modifiable if the bank wants a change or additional software facility. This condition can be overcome if the bank already and understand the software tersevut in the form of original programming language or source code.
Information structures and relationships between bank sub-application systems
Relationship between sub-system applications on bank operations. The front office concept is closer to the customer side and the back office concept is closer to the bank side as a financial institution that must record, document, and / or publish financial information, so that the banking application system consists of mutual. related sub-systems according to the processing stages and types of financial data.
WHAT IS CREDIT
CREDIT is a blockchain platform (protocol) with its own internal cryptocurrency CREDIT (CS). This is a new and unique blockchain technical implementation of blocking technology, smart contracts, and data protocols.
It is a platform with entirely new technical networking capabilities, speed, transaction costs and number of operations per second. This is an open platform which means that users and companies can create online services that implement the blockchain protocol.
We offer new products to users. We design new features by creating new algorithms to seek consensus; new registration scheme; an algorithm for processing and maintaining transition-based solutions for limited state machines based on the Federal voting nodal model.
The Credit Platform offers solutions for low speed problems and high transaction costs. It extends potential blockchain technology to the financial industry and Internet Things. The CREDIT platform is a decentralized financial system for direct interaction between peer-to-peer principle participant (P2P). This platform expands the potential use of financial services based on distributed ledgers, self-executing smart contracts, and CREDIT Cryptocurrency The system aims to unite all participants on a single site, providing it with a platform for creating and implementing financial services; where anyone can offer the service and use it. Thanks to a well-defined and balanced technology system.
The CREDITS platform offers new technical solutions and a new conceptual model of network participants' interaction for the development of modern decentralized financial services. The single technology decentralized platform of CREDIT can incorporate all financial participant services, safely and quickly execute all transactions using the principles of a distributed ledger.
K ontrak intelligent run itself and the principles of federal voting systems to set boundaries.
Opportunity for all participants to create a unique interaction between various financial products. The platform opens up huge new markets and new potential to use blockchain projects and services in the financial world and other sectors that can not be used before due to the limited speed and transaction costs.
CREDIT BENEFITS
The CREDITS platform has 5 cutting edge technological advantages for the future:
Transaction
Each record is inserted into a blockade database blockade without Merkle trees and sidechains by processing consensual transactions.
Block formation
Permissions are set at the transaction level. transactions added to the block to find further consensus with the algorithm to find finite state machine solutions.
Consensus model
Consensus model: federal with mechanism to solve most nodes with permission to make decisions.
Smart contract
Each smart contract is performed in a separate isolated virtual machine environment, allowing development in a scripting language (JavaScript), an expanded job with a scheduled schedule.
System
Measurable system (as the number of nodes increases, the number of transactions processed per unit time increases). There is no mining so all the coins are issued in a certain amount.
CREDIT?
Design of new technology from the blockchain operation scheme.
- New characteristics of platform, speed, price, network volume.
- Requests from customers: banks and financial services.
- No analog is present in terms of characteristics (for summer 2017).
- MVP project is ready Working with Alpha version.
- CROWDSALE ICO
- PRA-ICO - October 2017.
- ICO Round 1 - Nov-Dec 2017.
- ICO Round 2 - 2Q 2018.
- ICO will be done on the Ehereum platform in ERC20 standard with subsequent replacement with internal CREDIT cryptocurrency.
- SOURCE:
- CREDIT WEBSITE
- CRITICAL WHITEPAPER
- FACEBOOK CREDIT
- CREDIT TWITTER
- CREDIT TELEGRAM
- By: han emily
- My profile: https://bitcointalk.org/index.php?action=profile;u=979957
- Address ETH: 0x32412715249f0c79b4fb958c6E32D871EaC778D2
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