Traditionally, the core product in banking is the current account (demand deposit account). To enable flexible current account processing for private and corporate customers, SAP offers the bank current account system, Bank Customer Accounts (BCA). This current account system concentrates on the monitoring of funds payable and receivable between banks and their customers. All business processes, from account management to balancing tasks, that arise in connection with the processing of current accounts are supported. The turnovers and balances of the current accounts are integrated and summarized before being transferred to SAP Financial Accounting (FI).

To use the functions of the component Bank Customer Accounts BCA, you must first make the necessary system settings in the Implementation Guide (IMG) by choosing SAP Banking ® Bank Customer Accounts.

The current account system Bank Customer Accounts (BCA) is implemented as an open system that can react flexibly to customer-specific requirements by the definition of Business Transaction Events. Components of other manufacturers can be connected to the system using standardized, open online interfaces (RFC interfaces). Thanks to this decoupling, both the free scalability of the system is ensured and the current account system can also be implemented on a different system from the FI general ledger.

The current account system can be enhanced without modifications. The adaptable design for the business partner and account master data is based on the SAP master data tool. All functions are implemented ‘encapsulated’, meaning that presentation, checking and saving of the data takes place separately from one another.

The current account system permits customer- and bank-specific definition of interfaces and screen sequences. You can enhance the system with additional fields, insensitive to release changes, without having to make program modifications.

With the current account system you have a system for operational banking available that enables you to manage not only customer accounts, but also vostro and nostro accounts. You can flexibly and quickly design the products based on the adaptable conditions model and by activating and deactivating transactions and functions. You can connect the payment transactions system using standardized, open interfaces.

Additionally, the system takes future, technological developments into account, such as the use of the Internet in the banks’ mixed distribution channels. The current account system forms the basis for the extension of the solution to a complete, operational SAP AG bank application.