Let's follow the development of e-banking in a bank that implemented OfficeLine at a moment when e-banking was still a little-known term.

Objective

The bank wanted to address mainly corporate clients with the offer of a service that would allow them to manage all their accounts directly from their office environment, to the same extent as when visiting a branch. In addition, the bank wanted to allow its clients to perform basic operations from outside their office, i.e., anywhere (e.g., during business trips).
The objective was to provide such services to the clients of all 20 bank branches.
The project included the use of two types of banking systems, one decentralized and the other centralized.

Initial scope of the system

Independent OfficeLine servers (each with its own database) were installed at all 20 branches of the bank, serving for the operation of Corporate Banking.
The centralized banking system allowed the creation of a central OfficeLine server that was used for the operation of the GSM Banking distribution channel. This distribution channel was originally designed as an additional distribution channel for corporate clients. However, as the bank soon discovered that there was demand for e-banking also among retail clients, it decided to offer them GSM Banking.

Partial centralization

The bank succeeded in reaching more clients with the offer of e-banking than originally expected. This success was a basis for the gradual extension of the system with other distribution channels:
  IVR,

  Call Center,

  Internet Banking,

  E-mail,

  Faxbanking.
The basis for the extension was the original centralized server for GSM Banking, which was complemented with two application servers.

Full centralization of the system

A crucial factor for the next development was client demand for the possibility of using more distribution channels simultaneously and the overall increase of clients - e-banking users. The volume of processed transactions and the requirements for the administration of the system grew proportionately. Therefore, the bank decided to fully centralize the system, without any interruption in the operation of OfficeLine.
The system now consists of a software cluster consisting of two servers; each of them runs all distribution channels. Clients from all branches were gradually transferred to the OfficeLine database.

Security Technologies

Of course, all the distribution channels have a high level of security.
An integral part of Corporate Banking are tools allowing the use of digital signatures, encryption and other features. Considering the achieved level of security, additional tools are not necessary.
Other distribution channels have to provide a client with access from virtually anywhere, so it is necessary to allow clients to prove their identity and secure the entered transaction using an appropriate mechanism. Therefore, clients are offered use of a password or token.
Internet Banking is secured using the SIG system.

Summary

OfficeLine met, and even exceeded the bank's expectations with regard to the demands of clients. Therefore, it was gradually extended, so today the bank offers e-banking to different categories of clients. Each client can choose one or more distribution channels according to their preferences.
The originally decentralized system was gradually centralized while in operation, thereby proving the OfficeLine's adaptability.