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T24 can be operated with two different front ends, namely Browser and character
based Classic. Both are complementary products and have the basic functionality.
However, each of them has certain specific features.
Browser is the latest front end to Temenos T24. It is a light client as we use a
common browser link Internet Explorer to log on to Temenos T24. Hence there is
no need for installation of special software in the client systems.
Classic can be used for running COB operations and online service agents. It is
meant for system administrators.

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T24 Browser is an intranet based front end. Logging on to T24 can be done by using
Internet Explorer or a Netscape Navigator.
To log on to Temenos T24 one needs to type only the appropriate URL in the
address bar of the Internet Explorer or Netscape Navigator. The URL might differ
from one installation to another.
Once the correct URL is typed in the address bar, the T24 sign on screen will appear
where Sign on name and password have to be specified. Sign on name and password
are case sensitive.
Sign on name as well as password can have alphanumeric characters.
After input of appropriate T24 Sign On name and Password, the user can click on
the right mark or press enter.
If Sign on name or Password information is not correct, there will be an error
Please check your Login Credential and/or access rights.

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The Sign On screen also contains a number of links for further information namely
T24 Portal page and Temenos Web Site.
The T24 Portal is an essential resource for all T24 users. It contains the full set of
user guides, help text and release information which need to be suitably setup.
Temenos web site takes you to the web site namely temenos.com.

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On successfully signing into Temenos T24, one will be taken to this screen. It is
designed with menus for users, administrators and specific users under Role Based
Home Pages, classified on the general business flow in a Bank. While the above
representation is the standard colour scheme and template (skin) of Temenos, it is
possible to choose different skins.
The various features of this screen are described and discussed in the following
pages.
To log off the system, one needs to click on the button with a I as shown in the
screen shot above.

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Name of the currently logged in User appears in the top left hand corner of the
screen.
In the line following that, various details like when the user last signed on and the
number of unsuccessful attempts (using incorrect password) is also shown. The next
line has a tool bar with several buttons.
This is followed by a Command Line. We will now continue to see various
browser buttons.

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Favourites is one of the browser buttons which can be defined with whatever tasks a
user performs frequently. . These are user specific and therefore, require to be set up
first. This can be customised with the flexibility to create separate set of shortcuts
for each of the users.
Help will display online help text, user guides etc. about T24 Browser. It may be
noted that the help text, user guides etc need to be installed for the links to work.
The help text is to help on specific products and it can be used for a detailed
explanation of the application / products available and how they work with T24.
Browser Quick guide gives details for understanding the browser buttons.
My T24 will contain the menu attached to the user. If no specific menu is attached
to the user, then the default T24 menu will be displayed, if set-up. In Banks there
will be a specific demarcation of the job by each user. Depending on the role of the
user in the Bank, different menus will be attached to the User Recent requests will
display a list of the currently signed on users most recent requests. When a user
logs in for the first time on to the browser, this option will not list any contents.
Only on execution of one or more commands, will this option get updated with the
list of user actions. Any menu option chosen by the user will not form a part of the
list. The recent requests are available even when the user signs off and signs on
again.

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T24 Browser provides a set of tools to make easy some of the common
administrative tasks that users perform.
Change Password option allows the currently signed on users to change their
password.
If the password change is successful, the text Password changed successfully is
displayed. The change will take effect from subsequent logon.

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The next option in the browser tools is My Companies option which allows the user
to move / change from one company to another. In T24, normally each branch of a
Bank is referred to as a company. The User will be permitted to change to other
companies based on the Security Management System (SMS) access control
settings.

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We will now see that the access to the command line is generally useful for super
users and Administrators.
When the application name is typed, the next screen will open the application and
wait for further input by the user. Any of the following actions can be done now.
User can see the list of existing records by clicking on the down arrow and then
select an existing record.
A new record can be created by clicking on the next button.
Finally, if the record Id is known, then Id can be input and use one of the three
buttons on top. We shall later see more on these.

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When the application along with the function is given but without the Id, the same
screen as in the earlier option will be displayed.
When the function is given along with an Id for the application, then the next screen
opens with the existing record, if available or a blank record. The following
functions can be mentioned using the first character as an abbreviation.
(I)nput is used for creating a new record or editing details of an existing record.
Two users cannot access the same record simultaneously in the input mode.
(A)uthorise is used for authorising a record which has been input by another user.
(D)elete is used for deletion of an unauthorised record. In T24. only unauthorised
records can be deleted.
(R)everse is used to remove an already authorised record.
(S)ee is used to allow the user to merely view the details of a record and not change
anything.
(V)erify is used in some T24 applications. In Forex application at times deals are
done through brokers. When the broker confirms, the details are verified through
this function and confirmation is recorded .

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On signing on successfully into T24, the User is presented with a Menu to navigate
around the system. Menus can be expanded to see submenus, versions and
enquiries.
These Menus are structured for each user or group of users. They are attached
through User Profile. In the above sample, clicking on User Menu takes us to next
level sub menus like Retail operations, which in turn takes us to the next level sub
menu like Account.
Under this Sub menu we have various applications/versions for operation/inputting
within them. Another sub menu namely Account Enquiries takes the user to further
enquiry/reports screen.

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On signing on successfully into T24, the User is presented with a user defined Menu
to navigate around the system. In many Banks there are specific role assigned to
every user. Depending upon their roles menus are created as a home page. Retail
home page has custom set of menus/enquiries required by a Retail user to carry on
the day to day operations. For Example Home Page will help the User to process
account transaction, view the customer details, input transactions and view/create
opportunities for the customer. Home Page is also designed to assist the supervisor
in authorising transactions, to view enquiries and delivery messages.
Components of Retail user Home Page is available in the form of tabs, for easy
navigation.
Functionality is provided with essential CRM features for the front end.

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When an application is opened, the user can input the ID and use any of the buttons
depending on the function to be invoked, viz Edit, View and Action button.
In edit mode, a record is opened with input function. This is used to create a new
record or amending an existing record.
In view mode, a record could be seen. Only the fields with values will be displayed.
Further, the field values can only be seen and not changed.
In action mode, functions like authorise, delete, reverse and verify are enabled.
This is an alternative method to giving the function along with the application and
ID in the command line of the first screen.

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When a user gives an application in the command line, the system opens the
application. The first button displayed with a downward arrow is used to display the
list of existing record. In most applications, T24 can be set to generate ID
automatically.
In such cases another button is available alongside to enable the user to open a new
record. On clicking this button for a new record, the system will open a screen for
input of values for the record.
We will first see the list of buttons on top of a record.
The first button is used to commit and save the record to the data base.
The second button displays validation of a record. It is useful when the user wants
to validate the input done even before saving the record to the database.
Incomplete/incorrect information are displayed as errors which can be rectified by
the user before saving.
In both the above instances, T24 generates ID for the transaction if it is a NEW
record.
The third button is to put the record on hold. For example if some incomplete
particulars are received in a Bank, then the user will input the available details, put
the record on hold. After getting the full particulars the user can recall the record on
Hold and complete by updating the record.

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The next set of buttons are the functions enabled when using the action button for
an existing record ID. For a NEW record these will be disabled.
In T24, delete function is used to delete an unauthorized record. When system
generates ID automatically, the ID of the deleted record will remain unused unless
manually input by the user.
The authorize function is to be used by authorizers. An authorizer should be
different from the user who has input the record.
Any record which has been authorized cannot be deleted and can be removed from
the live files only by using the Reverse function. This moves the record to history.

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The next button in a record screen is used to verify the record. This is applicable
only for certain transactions.
In FOREX and MONEY.MARKET applications, deals are done at times also
through brokers orally. When the written confirmations are later received, verify
function is used to record time and date of receipt of confirmation.
The Up arrow button helps user to return to application or the previous screen.

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We will now see how to move around within a record. While inputting the details,
the user can avail of the online help for any of the fields in the screen by clicking on
the appropriate field text.
The button with the letter i is useful to invoke context enquiry which needs to be
predefined in the system. For example , when ever an account is to be debited, a
user would like to know the balance in that account. For such purposes an enquiry is
attached to the field as a context enquiry. It is possible to invoke this automatically
or manually.
One significant and important feature in T24 is called multi value and sub value
facility. When a field requires to hold multiple data it can be dynamically expanded
or deleted during transaction input stage.
For example a Customer may have multiple accounts, say five and another only
one. In such a case, the Account field can be made as multi valuable and used
suitably.

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To make it user friendly there are radio buttons with alternative values in the fields
displayed. One of the options can be used by clicking on the appropriate button.
There are drop down boxes available in certain fields, when is validates with
predefined values available in the system. With the help of these drop down boxes, a
user can pick values already stored in the data base.
For ease of input of frequency type of value, certain popup are available which
displays a dialog box for giving the next date and frequency thereafter.
Calendar pop ups are available for appropriate fields to enable selection of dates for
a transaction.

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T24, displays different types of messages. The first one is raising of error messages.
When input is incomplete or with incorrect data, the system raises error message
while the record is committed
To proceed further, the error messages that are displayed along with the field needs
to be corrected. By clicking on the field name displayed, the cursor moves to the
particular field to enable correction. The record cannot be committed without
rectifying the errors displayed.

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There is another type of message called Override message.

Whenever there is a deviation to the specific setup in the system, a warning
message is raised by T24. Certain types of these warnings are called as overrides
and such messages can be accepted by the user or not. If accepted, then the input is
saved and the message is recorded in the transaction. If the User does not want to
accept, the application should either be closed or the situation pointed out should
first be rectified.
For example, when a transaction results in over drawing the balance in an account,
an override message is displayed stating that the balance exceeds arrangement or it
is an un authorised over draft depending on whether the account has overdraft
facility or not.
Another type of message is for confirming whether or not pre-defined documents
have been received. They are generated by DOCUMENT.MANAGEMENT
application. Here, both the choices, Received and Not received are stored
appropriately.
For example, when there is a setup for receiving documents for opening an account,
the user can record whether the same have been received or not, but continue with
the completion of the transaction.

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To copy an existing record, it should first be opened.

Thereafter, pick the option Copy from the drop down in the More Actions available
at the top. Copied records are stored in clipboard. Copied records remain in the
clipboard till logging off from the session.
Copied record should be suitably pasted to a new record. Copying and Pasting are
two different actions.

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To paste a copied record, User should go back to the application and open a new
record into which the copied details are to be pasted.
When T24 displays a blank record opening screen, using the paste option in the
More actions drop down, the last copied record is pasted onto the blank record. All
the values from the copied record get pasted except for fields which need unique
values.
Those fields have to be physically filled before the record could be committed.
If any other field value is to be modified, that could also be done now.

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List - Lists all the records available in the Application in the appropriate files
namely, unauthorised, live and history.
For example, if a list of all the transactions that require to be authorised is required,
then the list option of the unauthorised file is to be selected.
Find This is an option by the required files could be found by filtering the records
in live or un authorised or history files. For this purpose a selection box is displayed
for the user give the criteria.
To specify the criteria, the user can use any of operands like Equals, Not equal to,
Great than, Greater than or equals, Less than, Less than or equals, Between, Not
Between, Contains, Not Containing, Begins with, Ends with, Does not begin with,
Does not end with and Matches. The operands Equals, Not equal to, Great than,
Greater than or equals, Less than, Less than or equals are used for comparison of
numeric values. Between and Not Between can be used when a range of numeric
values are to be compared. The 2 numbers are specified with a space between them
For example to select values from 30000 to 35000, it is specified as 30000 35000.
The remaining operands are used for locating alphanumeric or string values.
Contains and Not containing will select values with the string value anywhere in
between the field value. Begin and End with will locate for strings in the beginning
and end of the value. Matches identifies exact values for the string.

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To do a listing, the user should open the application and use more actions. Live file
contains list of all the current records in that application. Unauthorised file holds the
records which need authorisation. History file holds records of all the changes made
to the current record or the reversed records of the application.
Here it may be observed that, when a user is listing a live record, two options are
available. By clicking the magnifying lens under the user default list, a user can
view the record under see mode only.
However if he clicks on the ID, the ID gets pasted on the blank bar of the
application. The user can then edit the record under edit mode or view the record
under view mode or perform actions in action button like reversing a live record.

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Search operation can also be performed on all the three types of files. A selection
box is displayed to define criteria.
In the above example, to search the history records in USER application, INT
classification and 1 Language have been chosen. This should search for Internal
users using English Language. After giving these criteria, there are two options to
initiate the search. Either press enter or click on the right symbol at the top of the
box. To give the selection criteria, wherever applicable, dropdown box or calendar
pop ups are displayed against the fields. These selection criteria can be added to the
favorites using the option on left corner of the screen.
If needed, the results could be shown duly sorted by clicking on more options on top
right corner of the screen.
From the result of search, it could be observed that the display is only those records
fulfilling the selection criteria.
The history record IDs are suffixed a semi colon and a number. Whenever a live
record is modified, the previous status is in history. Like this, a record might have
been modified several times. The current Live record will display a Current status
number. Let us assume a record with ID of ABCDE is having a Curr number of 7. It
means that the record has undergone modifications seven times including the initial
creation. The earlier six records will be in history. The earliest one in History will
have an ID of ABCDE;1 and the next, ABCDE;2 and so on.

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Enquiry is a utility in T24 to view information available in a format required by the

user and can be customised to suit the Banks needs.
Enquiry is used to view data needed on line. For example - cash balance in an
account, all accounts of a Customer, address of a Customer, etc.
Enquiries can be designed to dynamically select certain records by giving an option
to the user and invoking the selection box similar to the earlier example.
Enquiries are defined under menus. It can be attached to applications and invoked
depending on the context of the field value in the application. This is called context
sensitive enquiry.
In the above example, through an Enquiry we get into an account and from there, by
using more action facility, we get into a context enquiry of all the accounts of a
customer. Like this, enquiries can be an integral part of work flow.

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Enquiries can be captured from context sensitive enquiries also. For example a bank
is interested in the knowing the total number of accounts of a customer in a bank.
By selecting account application in Command line and selecting a particular
account number, user can view the account of a customer. Apart from this the user
can also view the list of account by going through context sensitive enquiries.

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Now we will learn to use the buttons related to the enquiry results. While scrolling
down the enquiry report of list of customers, there are a set of buttons each having
its own set of function. Refresh button is used for refreshing the enquiry results and
get the information dynamically built according to the changing details in the data
base. The magnifying glass is used to jump back to the full selection screen to
enable the user to revise the selection criteria. The printer image is used to print the
enquiry details. The button with the letter I takes the user to the default list of
respective application.
On scrolling down the page of the enquiry display, we can see buttons which takes
the user to the first page, previous page, specific page, next page or the last page of
the results generated by the enquiry.

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The Search / Enquiries result can be opened or saved in any of the following
methods.
CSV will have the output saved as Microsoft Excel Comma Separated File in any
location specified by the user.
HTML will have the output saved as .html file in any opted location.
XML will have the output saved as XML file in any opted location.

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When ever the user wants to save the record in CSV format, he has to select the
record and save it in CSV format which is shown in the display of the default list.
The saved records can be opened in Excel format.

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Similar to that of saving the record in CSV format the records can be saved in
HTML format also., by clicking the enquiry display icon as save in HTML.

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Similar to that of saving the record in CSV format, HTML format the records can
be saved in XML format also., by clicking the enquiry display icon as save in
XML.

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Reports are used when hard copy data of close of business position is needed.
Reports are prepared at a specific point or cutoff close of daily business, end of
month etc. Reports can also be designed to be printed online if necessary. Standard
reports are the Daily General Ledger, Weekly report on Over dues, Monthly report
to Central Bank.
Standard reports are available and can be accessed using suitable menus.
For example, under the credit operations, we can view the report of limits to
customers which have expired.

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While opening the COB report in respect of Limits which have expired, it gives a
detailed report in respect each customer with limit reference number, customer
name, type of loan, limit amount, outstanding amount expiry date etc.

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IHLD is a record put on Hold. This would be the case if the inputter is required to
check some details before proceeding. By placing the record on hold it helps to
recall the earlier input and avoids repeating the whole input.
INAU is a record which has been input and not Authorised. It is waiting for a
supervisor or checker to authorise this.
INA2 implies that the record requires a second Authoriser. This would be used for
transactions that have been set up to require two people to check the input details.
INAO means records input and awaiting approval of override. This is where the
operational process requires a further specific authoriser to approve the override
before an entry could be posted. A report on all INAO status is compiled in the
COB run.
RNAU means reversal not authorised. A reversed record also needs to be
authorized for approving the reversal.
HNAU are records which have been restored from history and needs authorising.
The Audit Log is an important part of the record. It holds information of the
number of times the record has been amended, the details of Inputter like the
Session and User ID, Date and time of input and also the person who authorised the
record.

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