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The leaders of financial services sector use Charisma Business Suite
Find out how we supported the success of the most powerful financial services companies in Romania.

"We’ve been outsourcing the payroll services to TotalSoft since 2008 and we’ve also been very pleased with our choice. The quality of the services provided to the bank has led us to develop the relationship with the company through adopting Charisma HCM in all branches of the Romanian Group Société Générale.", Adela Jansen, Human Resources Executive Director, BRD - Groupe Société Générale


" Besides TotalSoft’s vast expertise on the Romanian and international IT market, the company also considered the undisputed advantage brought by TotalSoft’s status as Partner of Microsoft Business Solutions: “There was no other solution, that covered completely our needs and requirements.” , Borislav Hristov, Chief Executive Officer


Within the financial services sector, the existence of a powerful information system, integrated with core-banking proprietary systems are the key factors for improving the financial-economic indicators. Charisma solutions stand out by efficiency, ease of use, but also financial-banking expertise achieved thanks to the large number of customers. Thus, more than 60 companies in the financial-banking field, including banks, insurance companies, leasing companies or brokers benefit from Charisma solutions dedicated to this sector.

Any financial-banking institution has a powerful, easy to adapt and customize set of tools that can significantly reduce its operational costs, while increasing the financial security, transparency and performance.


Solutions dedicated to the financial services sector

Leasing solution

TotalSoft has developed a solution dedicated to the leasing sector, through which the entire management of contracts, financial and operational leasing activities are being performed. The solution manages to earn the loyalty of the customers via flexible credit programs, according to market and financing request features. In addition, the risks of the leasing companies decrease thanks to new functionalities such as full traceability of document workflow, efficient customer and financed assets management, as well as by maintaining the history of all changes during the lifecycle of the contracts.


CRM solution
Developed on the MS Dynamics CRM platform, TotalSoft offers you an innovative, affordable solution for the management of the relationships with customers, which provides quick installation, without business interruption. The user friendly interface, the flexibility and ease of customization required for meeting the financial banking sector specific needs make TotalSoft solution one of the most attractive CRM solutions on the Romanian market.

In addition, our consultants can help you "listen better to customers' needs, understand these needs and proactively respond to them by developing and enhancing processes and practices among all the employees who interact with the customers. By increasing the agility in a more and more competitive market, you can respond easier to customers' needs, encompassing your services with a professional attitude.

With the help of this solution, your institution will radically improve its efficiency. Monitoring the employees' activity, assessing the efficiency of marketing investments, adopting and developing internal, client-oriented processes and practices, understanding costumer' needs and using a single voice in your relationship with them – will help your company to become a modern, agile, customer-oriented organization.

We offer you the support you need for empowering your employees with a modern, robust and innovative business tool, and to develop your business in a healthy way.


Insurance policies management solution
One of the most requested software solutions, the solution dedicated to insurance companies decreases the expenses and internal risks by managing the insurance policies, regardless their type (asset, life, civil auto liability, financial risk insurance). This solution automates the insurances generation and the calculation of values based on default insurance conventions with the insurance partners and provides complete traceability of assets with financing contracts, by managing the insurance registries and monthly accounting records.


Refinancing contracts management solution
The Refinancing Module efficiently tracks and improves the operations with the financing contracts from banking institutions or within the company group by defining and maintaining the financing lines and money withdrawals.


Debt collection solution
Charisma Collection brings the advantage of a complete, standalone software product, which can perfectly work integrated with all the other solutions dedicated to financial and banking sector, developed by TotalSoft. Charisma Collection manages the collection of debts from different customers, legal files resolution processes and repossession, as well as any remarketing activity - reselling, renting, refinancing.


Business intelligence solution
The Business intelligence solution dedicated to financial & banking sector supports the decisional process, by providing information and statistics comparisons based on specific financial indicators of a financial institution. The solution maximizes the profit of institutions of any size, with the aid of a complete set of analysis tools (scorecard, analytic grid, analytic chart, reports and configurable dashboards).


Self-service solutions
The role of self-service solutions is to increase the transparency and loyalty of all the partners of an institution – customers, suppliers, distributors, employees. The self-service solution designed by TotalSoft especially for the financial banking sector significantly reduces costs and operational load, both for the institution and for its business partners, with the help of a Web platform providing back-office information (invoice statements, payments, returns) and with the aid of the online payment capabilities, e-mail or SMS notifications, or quick printing of interest documents.


Cost control solution
Charisma Cost Control decreases the financial risk by controlling the expense budgets and by tracking approval workflows for expenses according to the determined budgets. The solution monitors the acquisition processes (RFP, RFQ, offer bids), increases the efficiency of the offering and ordering process and improves the capitalization capabilities of the financial institutions' opportunities.  Moreover, Charisma Cost Control provides the management of the provider invoices' approval, as well as the history of the contractual relationships with business partners.


Wholesale contracts management
Charisma Wholesale monitors and profitably manages the wholesale contracts signed with the dealers or other partners, or entered between two third parties with the purpose of selling goods in big quantities under the conditions of profitable financing offered by the company. The solution enables calculation of interest and taxes related to the contracts and keeps the history of all changes during the lifecycle of the contracts.


Factoring contracts management
Charisma Factoring brings the benefit of integrating the management of the financing factoring contracts, flexibly managing credit lines, valid financial products, risk categories for customer classification or mechanisms for the calculation of interests or discounts. This solution allows the increase of customer portfolio and implicitly the profitability of the financial-banking institutions.


Solutions for reporting to CRB and National Bank
The two solutions provides the accuracy and correctness of the data submitted to the credit-risk bureau and to the National Bank of Romania. The solutions cover the periodical reporting of the customer statement and active contracts in the portfolio.


ERP solution
Charisma ERP integrates institution resource management by automating accounting processes, the depreciation of fixed assets on multiple reference systems, by tracking budgets by recording sale and acquisition invoices entered by companies operating in the public or private sector, regardless of their size or complexity. The solution provides parallel management of institution sites (central and local) and allows simultaneous tracking of multiple accounting systems.

Charisma ERP is a powerful and complex tool for monitoring the existing and future cash flows within a financial institution, as a whole or by subunits.


Human resource management
Charisma HCM is an integrated software solution package, dedicated to human resource management, personnel cost management and human capital development investments. The solution provides the management of the employees and their positions in the hierarchy, the parameterization and implementation of payroll calculation, salary types, benefits, sick leaves, holidays, withholdings, as well as generation of payroll budgets, submission of files to the Working Inspectorates and statements to the State budget, performance assessments, competence tracking and development, trainings management and many more.

Charisma HCM is one of the most advanced software solution for human resource management
in Romania, including over 10 years of experience in various market verticals. Charisma HCM solution supports over 10% of the active workforce in Romania.


Contract management solution
Charisma Portfolio Management is a complete product, dedicated to companies of any size, especially designed for managing own works/projects/contracts. Portfolio Management perfectly manages all the entities and activities within the company, from tendering, negotiation, signing, tracking, execution, changing to completion. Being perfectly integrated with Charisma ERP, the module brings the benefit of eliminating the risks, increasing profitability and efficiency of the contracting process of customers, suppliers or business partners.

Project management solution
TotalSoft, as Oracle Partner for Primavera, has now a market share of 90% within Project Management application field. Primavera is the world leader in project and portfolio management solutions, with more than 26 years of experience on the international market. At the moment, Primavera solution is implemented in more than 76,000 companies in more than 80 countries, with more than 500,000 users. The value of the projects ran with Primavera so far exceeds USD 6 trillion. 



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"... There are various solutions on the Romanian ERP market, but they are not developed according to the requirements of a leasing company. The fact that you can track the contract evolution, from its execution to its completion, represents an advantage of the Charisma Enterprise system ..."
Loredana Rusu,
Deputy CEO - CFO
OTP Leasing
"... Charisma Collection has provided us with a structured management of the entire debt collection process and also a correct customer information. ..."
Bogdan Mîrza,
Technical Director Charisma Business Applications
EFG Leasing
"... Before the implementation of Charisma ERP we concluded aprox. 150 new contracts per month. Due to the support of the application we reached 700 new contracts per month. A four times bigger volume of contracts, but not by multiplying by four the number of employees ..."
Adrian Alexe,
President and General Manager, Tiriac Leasing
Tiriac Leasing
"... We worked very well with TotalSoft and Charisma operates in optimal parameters, though we continue to grow. In my opinion, Charisma is one of the best products on the profile market. ..."
Radu Burghelea,
IT Manager
Ralfi (Garanti Consumer Credits)


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