IBT currently provides BancPac core processing services to our client institutions. The BancPac system, developed by Fidelity National Financial, operates in a client server environment within a multi-tasking Microsoft NT environment, and uses 32 bit architecture in the client application. This allows each PC server to process up to nine banks online. In addition, each batch processing server can process six banks. As a result, we are able to provide a product that is equal or superior in functionality at a very competitive price.

The loan system is a single application servicing all loans except home equity. Deposits are also incorporated into one application. The loan system has a simple interfacing module allowing for significant flexibility in interfacing with new technologies such as teller, platform, and voice response systems.

Conceptually, the loan system is product driven: It allows the user to point and click the entire definition of a banking product.