Flexcube's predecessor was a more primitive "bank in a box" that Citi coders developed.

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Flexcube lets back-office operations support retail banking, Internet banking, corporate banking, asset management and investor services.

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The firm's homegrown, flagship product is Flexcube, an acronym for flexible and comprehensive universal banking environment.

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Family Bank has recently implemented an Oracle FLEXCUBE core banking system running on IBM hardware and the IBM AIX operating system.

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Selling Microbanker earned Citil its keep in the first five years and enough profits to invest in developing Flexcube, which debuted in 1997.

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The big breakthrough was when Citigroup signed up I-flex to centralize its back-office processing in Europe and subsequently to roll out Flexcube in 97 countries.

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"We do 36 Flexcube deals every year--that's about one deal every nine days, " boasts I-flex's chief communications officer, Dennis Roman, who was hired from Hewlett-Packard.

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Racing ahead of rivals like Temenos of Switzerland and Misys of the U.K., Flexcube snagged the top spot in the annual sales ranking by International Banking Systems, a U.K.-based industry publication, three years ago and has hung on there.

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