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Sanal Faiz (kişiye özel faiz) | The Virtual Interest Rates Project (Inerest rates according to Customer risk point )




It was an only one-to-one relationship with Products and Customer Segments. I have developed a system that divided that advanced interest rates function into a deep level of customer ratings enabled function.

For instance, a product called A, gives %15 interest rates for 1-361 days which is grounded by FTF* rates plus 1 point spread added. What if a new division parameter which is Customer Rating asked to be a part of the selection of interest rates.

I have used Oracle Types and an integration class developed on the .NET platform and with C# that was the best practice because the current Transaction Screen was only designed for entering only 75 different rates for each product and maturity. I have put a pop-up screen into each cell that could enable users to make 1 to 11 sub rates based on each standard customer ratings which are defined 11 currently.

It was compulsory demand project so that there was so little time. With the architecture above, I could make the current system still running well with current parameters and moreover with virtual rates option.

After this development, the users could enter 875 different rates at the same time of 75 rates.
Reversing from virtual rates back to normal rates is also possible with the newest architecture.



* Funds transfer pricing (FTP) is a method used to individually measure how much each source of funding is contributing to overall profitability. The FTP process is most often used in the banking industry as a means of outlining the areas of strength and weakness within the funding of the institution.

The example may have been / will be published on https://github.com/bilginkilic/

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