Charisma Business Suite leverages TotalSoft’s more than 10 years experience in providing integrated software solutions supporting key process in the finance and banking sector. Charisma has distinguished itself by delivering complex business software solutions, that are not only beneficial, but provide usability and transparency to more than 60 customers in the financial services sector including banks, insurance, leasing and brokerage corporations. Charisma Leasing is an unparalleled market leader, supporting over 80% of the Leasing market in Romania.

1. Simple | Intuitive | Flexible | Complete
Financial Services

2. Charisma
Financial Services
Charisma Business Suite
leverages TotalSoft’s more
than 10 years experience in
providing integrated
software solutions
supporting key process in
the finance and banking
sector. Charisma has
distinguished itself by
delivering complex business
software solutions, that are
not only beneficial, but
provide usability and
transparency to more than
60 customers in the
financial services sector
including banks, insurance,
leasing and brokerage
corporations. Charisma
Leasing is an unparalleled
market leader, supporting
over 80% of the Leasing
market in Romania.
Given the current economic
context and due to the
international increasing
competition, the existence of a
performing communication and
informational system within the
finance-banking sector is the key
factor for the improvement of
economic-financial indicators.
„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 Director, Ţiriac Leasing.

3. Solutions
All finance-banking institutions
will benefit from a complete
End-to-End solution. Given a
powerful set of tools that easily
adapt to the specific needs of
each company, no matter its size,
it will be able to significantly
reduce the operational costs by
increasing security, transparency
and financial performance:
The Leasing Module
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The Insurance Module
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The Refinancing Module
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Monitors and improves the complete management of contracts, financial and
operational leasing operations, both in the back-office, as well as in the front-
office;
Increase customers relationship;
Increases the company profit with the help of flexible credit programs and
according to the market features and financing abilities (multi-currency, fixed
or variable interest, configurable payment schedule, grace or seasonal
periods);
Reduces corporation risk and operational costs thanks to the quick and easy
access to information, by complete traceability of document flow (from offers
to the repossession or selling of the good) and automatic calculation and
generation of documents during leasing contract lifecycle;
Efficiently manages the financed assets and client portfolio, permanently
maintaining the history of changes during the lifecycle of the contracts, no
matter their type.
Decreases the internal expenses and company risks by fully managing the
insurance policies, no matter their type (asset insurance, life, civil auto liability,
financial risk insurance) and automates the generation and calculation of their
values based on the default conventions with the insurers;
Increases the efficiency of the financial management of insurance policies by
complete traceability with the asset financing contracts, by managing the
insurance registries and monthly account records through an insurance
payment interface;
Supports business development by means of flexibility of insurance programs
for the customer, according to their financial abilities (includes and/or splits the
insurance premiums in the leasing installments with or without interest
calculation).
Efficiently tracks and manages the operations with the financing contracts
from banking institutions or within the company group by defining and
maintaining the financing lines and money withdrawals.

4. Solutions
Brings the advantage of a complete and integrated solution for any activity of
client debt collection management for the resolution process including legal
procedures and repossession, as well as for remarketing (reselling, renting,
refinancing).
Provides support in the decisional process, by offering information and
statistics comparisons based on the stored and processed data;
Maximizes the company profit of any size with the help of a complete set of
analysis elements (scorecard, analytic grid, analytic chart, user-definition
reports, dashboards for publication) and by tracking the performance
indicators of the company evolution across time.
Increases transparency and builds a strong relationship with all the institution
partners (customers, providers, distributors, etc);
Reduces the cost and operational load, both for the company and for its
business partner with the help of a Web platform providing complete and
transparent back-office information (invoice statement, payments, returns)
and with the help of the facility delivered by on-line payment, e-mail or SMS
notices and quick printing of interest documents.
Decreases the financial risk by efficient control of expense budgets, enables
access for every employee to send requests, as well as expense request
approval according to the determined budgets (ePurchasing);
Monitors the costs and acquisition processes (RFP, RFQ, offer bids), increases
the efficiency of the offering and ordering process and improves the
capitalization abilities of the company's opportunities (eProcurement);
Reduces time and money assigned for the management of the contracts with
providers, includes the management of the provider invoices' approval, as well
as the history of the contractual relationships with business partners (Contract
Management).
Provides real time management and control of a fleet
Covers all aspects of vehicle life-cycle, from purchase, profile creation, routes
tracking, maintenance or assigned drivers, up to the removal from company’s
management.
Streamlines the fleet management, significantly reducing operating costs and
ensuring its proper functioning
Automates cost calculation for drivers and work routes, optimizing fleet and
significantly contributing to company's profitability.
Charisma Collection
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Charisma Analyzer (BI)
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Charisma Self Service
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Charisma Cost Control
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Fleet management module
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5. Solutions
Monitors and profitably manages the wholesale contracts signed with the
dealers or entered between two third parties with the purpose of selling goods
in large quantities under the conditions of profitable financing offered by the
company;
Enables calculation of interest and taxes related to the contracts and keeps the
history of all changes during the lifecycle of the wholesale contracts.
Brings the benefit of integrating the management of the financing factoring
contracts, improving the client portfolio and increasing the company's
profitability;
Flexibly manages credit lines, valid financial products, risk categories for
customer distribution, mechanisms for calculation of interests or discounts.
Is an integrated package designed for the management of human resources,
personnel costs and fulfillment of legal obligations. Includes: the management
of the employees and their position in the hierarchy, the parameterization and
implementation of calculation formulas, salary types, benefits, sick leaves,
holidays, withholdings, as well as generation of salary budgets, the submission
of files to the Working Inspectorates and statements to the State budget.
Ensures the accuracy and validity of the data submitted to the National Banks,
as well as the periodical reporting of the customer situation and active
contracts in the portfolio.
Integrates the management of company resources through the automation of
accounting processes, the depreciation of fixed assets on various reference
systems, by tracking the budget versus the results over the period and by
recording sale and purchase invoices entered by the company;
Ensures the parallel management of the sites of the company or the other
companies, both parts of a holding, whether they are completely independent,
and allows for the simultaneous tracking of multiple accounting principles -
internal or external: RAS, IAS, USGAAP, group, IFRS, etc.), banking or group;
Is a powerful and complex tool for the monitoring the existing and future cash
flows within a company, as a whole or by subunits.
In order to provide complete solutions to its customers, Charisma Business
Suite 2010 is supported with a wide range of IT services: consulting, project
management, software development, system and operational support
integration, training and instruction.
The Wholesale Module
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The Factoring Module
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Charisma HR
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Reporting to the Credit Bureau and National Bank
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Charisma ERP 2010 – Core Suite
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6. ©
TotalSoft
2013
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Building O2, 8 Floor,
P: +4021 335 17 09
W: totalsoft.ro, charisma.ro, acollada.com
E: office@totalsoft.ro
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