v4.0 [May 30, 2011]
1. INTERNET BANKING for account holders to have personal user accounts, and to access their account statement by logging in
2. SMS BANKING enabling account holders to access their account balances, loan balances and other related information pertaining their respective accounts, right on their phone
3. Offline and Online Inter-Branch Reconciliation. This is key for organizations that have widely spread branches, and do not have reliable Internet. So when the Internet Link is up, the remote branches use the Central Server. When the link is down, the branches u
