Computer software for comprehensive customer acquisition, loan management, collection management, delinquency management, securitization, and business analytics; computer hardware, computer peripherals and computer accessories for proper software utilization and functionality; computer software for web based problems, logging and help desk tool for analytical and operational applications; software for sales planning, customer contacting and profiling, sales and marketing analysis, collections management, credit risk analysis, projection models; software for legacy systems, warehousing sourcing interface, data warehouse, application suite; computer software for capturing and assigning requests, evaluating service levels, escalation of unresolved requests; programs for assigning responsibilities and target dates, search engines to identify customers, interfaces for pagers, interactive response units, mobile phones; software modules for banking and financial services, computer software for corporate, retail and investment banking, software for integrated delivery of all banking products across the branch networks, telephones, automated teller machine, point of sale and Internet; scalable platform for data warehousing; software for creating and launching new options and products, artificial intelligence to allow customer value based handling; software programs for customer information and services, handling transaction processing and security; program for saving account and current account system, fixed deposit and recurring deposits, programs for handling loans with accessory modules, debit management and postdated instrument management, other fund based advances including cash credits and overdraft, bills and non-fund based advances; programs for foreign exchange-related transactions including foreign bills, foreign exchange, letter of credit and import bills; software programs for day banker including base level banking, remittances, pass books printing, safe deposit vault, safe custody, signature capture and retrieval and finger print recognition, currency chest, government accounts, public provident fund, stock investment, travelers cheque, management information system reports and regulatory returns, lockers, cashier with currency cheque and teller, membership for co-operative banks, pension/provident fund; computer programs for interface, magnetic ink character reader interface, tele-banking, remote access to customers, clearing inward/outward; computer software programs for common security shell for all modules of cash management system, definition of user groups, function level access matrix for a group, function level access matrix for a user, computer software for security administration to ensure operation level access, encryption and decryption of data sent through web user interface; computer software programs for collection of domestic and foreign currency instruments both in physical and electronic form, invoice data capture and matching across collection methods and collection transaction processing systems, support for financing in the nature of credit scores, loan disbursements across functions, namely, Customer Acquisition System, Loan Management System, Delinquency Management System, Finance Against Securities, guarantee credit and check purchase, support provision for discrete status regional and country level; software programs to facilitate fund transfer and cheque methods, in-country and cross-border payments, invoice capturing, 2-tier reconciliation, management information support and reporting; computer software programs for management of surplus liquid balances by transferring them to interest bearing accounts through sweep facility, computer programs for netting of receivables or payable advises using bi-lateral or uni-lateral arrangement; computer software programs for charge events and calculating charges at local or foreign currency, debiting user defined accounts; computer software programs for definition of accounting templates for different stage and transaction currencies, definition of chart of accounts, definition of accounting amounts for each general ledger in a given accounting templates, manual or auto authorization of a voucher; computer software programs for interface with various account payables or account receivables using common file format, interface cleaning engines, interface to bank's general ledger systems and interface to bank's current account saving accounts systems; user manuals supplied as a unit with the foregoing software