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Services

What is the main consulting focus?

Answer: High-level I.T. advisory consulting to Banking and Finance everywhere, and for international business where large-scale integrated systems and real business savvy are of paramount importance. Strategic consulting such as for evaluation and solution selection assistance. And knowledge-based intelligence and assessments. Plus the tactical needs like project definition or review, expectation and scope establishment, troubleshooting, correction, direction and management comes naturally (we have worked with core banking solutions for many years).

Does Inntron develop software?

Answer: On many of our consulting assignments, Inntron has undertaken business analysis, requirements gathering, and data modeling as part of the design phase for data warehousing and specialized applications development. And it is no surprise that inhouse we have produced a number of innovative custom database software applications for consulting business clients to handle specialist functionality not available off the shelf.


Products

Do you sell computers?

Answer: No. Inntron provides high level information technology consulting and solutions architecture advice mainly.  We help define projects, business requirements, technology strategies. We assist to specify computer hardware and networking requirements. We work vendor side and client side. And we offer savvy evaluation and selection consulting services to ensure the most appropriate match of expectations, scale, functionality and configurations (of integrated systems of hardware and software such as for core banking). 

Do you sell application software packages?

Answer:   Not directly. Rather, we advise and facilitate. We are able to be the local consulting partner for unique, niche-market banking and finance industry applications that require a specialist consulting approach.

What is this "intelligence" message about?

Answer:   Mainly because of the straight forward and useful content maintained online, inntron consistently appears high up on search engine results for search terms entered like "core banking software" and "core banking systems", and "list of banks in Thailand" or "all banks in Thailand" (banking technology and bank related). Well-established on the internet, we see regular and focused visitor traffic that is roughly broken down as 70% banking and financial services institutions, 20% relevant consultants and systems integrators, and 10% vendors to the banking & finance sector. We realize this is a source of data from a channel nobody else has, so capture and analyse the internet visitor data and that provides some unique market perspectives and intelligence. With an extensive visit and inquiry database accumulated since early 2007, as of 2008 this intelligence data is becoming the basis of a next generation product that savvy participants in the market can utilize to understand activity and indicate trends.

Defn. ~ inntron intelligence is information gathered and analyzed and made available that is valued for its currency and relevance on top of the intrinsic value of the precise and unique data content

Other

What is Core Banking?

What is the very basic definition of what is a core banking system?

Answer: A bank’s core operations include keeping ledgers of transactions, maintaining customer information, calculations of interest of loans and deposits, and adjustments to accounts - and were originally processed manually and the data written up in thick ledgers. Core banking systems were developed to automate standard banking processes. To be a core banking system, the software applications must at least record transactions, maintain customer information and calculate interest on loans and deposits - and store the data in databases in digital form.

What is the evolving Core Banking System definition looking like? (* time sensitive definition for core banking systems: 2007)

Defn. ~  Core banking is commonly defined as the central system for management of accounts and products such as deposits and loans across the institution. For the top-tier and large banks, the core system processes the debits and credits for deposits and loan account transactions - is the processing engine - and is augmented by best-of-breed functional line of business area and customer touchpoint solutions. In the mid-market, the core banking system is modular and works as above, and typically includes, or at least is wanted to be integrated with, channel systems for call centre, Internet banking and ATM, business intelligence, and CRM and the like. Core systems for smaller financial services institutions are expected to provide all the necessary systems and technology to run the business (in one box). The expectations change, but often include those functions listed above as well as financial accounting, fraud protection, risk and compliance management and reporting, bundled with complete systems management, conversion and interface tools.

Please explain how the iRanking works? What is the criteria you use for ranking the vendors in the core banking software space? (ref. the inntron iRanking indicator since 2004)

The "iRanking" is an indicator of traction in the market about core banking system vendors (global, all-inclusive, not by sector or segment). It is the result of our consultant's daily monitoring and "manual" analysis of market activity, including the unique visit data and inquiries through the inntron core banking system and vendor resources channel. It is not subjective, nor a rating. It is not "influenced". Put simply, the iRanking is a current indication of popularity, activity and interest. The data is updated daily, and the Top 50 listing is published online monthly, as at the end of the month. We do vendor and product comparisons, evaluations and ratings offline in client engagements as consultants, so there is deeper knowledge and insight involved. The iRank is based on counted, unique instances of specific interest, activity and lookups that we identify, analyze and record offline. We have a well-established and busy independent channel and touchpoint, with a focused, banking technology savvy and core-banking-interested audience.

To be frank, we see the ranking as just another way to represent, order or sequence the already listed "vendors of interest" to help satisfy the interest of our audience - besides the other vendor-based lists we display and maintain such as the "A to Z alphabetical by Vendor name", and "A to Z alphabetical by Country of vendor nationality". We find some vendors like to see and track their "current" iRanking position around their promotions, events, and marketing activity. Others like to complain they are not ranked highly enough, and some seek to influence and improve their ranking unduly. Regardless, it is an "interesting indicator" of global market interest, trends and activity. We hear so much good feedback that it is a proven and useful indicator. It is increasingly referenced, valued, tracked, and used everyday by so many banking and finance institutions and their partners or representatives (consultants and SI's) from all over the world. The iRanking has been tagged as "everyday influential" because it is accessible and up-to-date, and that is what is wanted by those involved the core banking systems selection and evaluation process, those who want to get ahead and gain a jump on the market, and who look for early data-based and knowledge-backed help and research information online.

What is the SWIFT code for each Thailand bank?

Answer: Ref. SWIFT codes are provided on our list of Thai banks for Local Commercial Banks and Non-Commercial Banks

Thai banks do not have an IBAN identification number. The SWIFT code of the respective bank in Thailand should be indicated for money transfer transactions, and the same bank code is applicable for all branches of any Thai bank.

Do you know about local Thailand bank ownership rules for foreign banks?

Answer: (ref. as at 2010) It is generally understood that foreign banks are permitted to acquire and own up to 25 percent of a Thai bank as strategic investors without seeking approval from the central bank, the Bank of Thailand (BoT). It is also reported that any single investor needs to obtain approval from the BoT if their holding is to exceed 10 percent of the shares in a local Thai bank. For shareholdings to go over 25 percent and up to 49 percent is understood to require approval from the BoT. Above that level, the Ministry of Finance (MoF) is the authority that needs to approve any foreign move to take over control of a local bank.