This benchmark has been replaced by the Transaction Banking Benchmark and will no longer be certified.
The Bank Customer Accounts (BCA) Benchmark is subdivided into two business scenarios. The first scenario, day processing, reflects online usage that generally occurs during the daytime. The second scenario, night processing, reflects account balancing that generally occurs overnight in batch mode.
In the day processing scenario, the benchmark program simulates typical daily volumes of a retail bank, including the quantity of payment transaction operations received from external payment transaction systems. The following table illustrates that mass postings of incoming payments received from external payment transaction systems are simulated parallel to online entries.
Simulation of Online Entry
Simulation of Mass Processing
This scenario was constructed to mirror a distribution of typical banking tasks. For example, the ratio of mass postings compared to online postings is approximately 1:5.
The following table provides an overview of the user-interaction steps typically performed in the banking scenario. After this sequence, steps 2 - 5 are performed again, followed by steps 18 - 21, and, finally, steps 2 - 7. These 38 individual online-entry steps form what is known as a loop, or an online entry run.
In the night processing scenario, account balancing is performed at regular intervals to settle an account. The benchmark simulates account balancing by calculating interest and charges for each account across 20 value-date days. While the system triggers account balancing periodically, it is also possible to set the time periods manually.
During account balancing, the system performs the following tasks: