Internet alapú banki ügyfélrendszerek
mobil alapú banki ügyfélrendszerek
Banki ügyfélkezelő rendszerek

Electronic Banking

printable version

The Electra Electronic Banking system can cover all electronic channels used by financial institutions, providing thereby an integrated, uniform and transparent interface for clients to manage their financials.

Electra, the market leading electronic banking system in Hungary, has provided clients with reliable and secure management of their banking transactions for more than fourteen years now. Nearly one hundred different order types and enquiries from account balance enquiries to direct debit/credit transactions to securities transfers ensure that all services provided by financial institutions could be accessed through the system.

The system is used by 14 banks and 127 cooperative savings associations at present, some of them using it under the name Electra, while others calling it by their own brand names. The gradually growing number of users is estimated to be hundreds of thousands. Almost all financial institutions have replaced their account management systems since they introduced our system, so Electra has a number of functions to support switchovers between systems now.

We are continuously enhancing and upgrading Electra. We check for new technologies and demands and integrate them into Electra. Electra's Internet Banking module was completed around 2000, when access to the Internet became generally available in Hungary. And in 2008, when smart phones became popular and the first iPhones appeared in Hungarian shops, we also launched the Mobile Banking service.

Electra is regularly audited in different banks, therefore, its security system is always up-to-date and includes state-of-the-art standard solutions.

Uniform system - uniform service

The greatest advantage Electra offers is that it can cover all electronic sales channels of banks and cooperative savings associations from the powerful client programs installed to mobile banking in the form of a single integrated system. This uniformity ensures the best solution to clients, system operators and administrators.

Here you can see the channels and services provided by Electra:

The central component of the system is the Electra server. This component connects to the bank's account management system(s) and other special background systems. We always adjust our system to the requirements and ICT regulations of the bank, so this connection can be webservice-, MQSeries-, BEA WebLogic- or even native TCP/IP-based. The different Electra modules also connect to this server. Apart from that, the Electra server provides central storage for user access IDs and privileges.

Advantage to clients

From a client's point of view, this uniformity means that he can always access the bank's services via the channel most fitting his purposes and requirements. What is more, these channels do not use the same resources but supplement each other making service provision more reliable.

Advantage to operators

The greatest advantage our system offers to operators is that there is no need to run distinct systems to serve the different channels, and all channels can be maintained and updated at the same place. Besides, there is no need to acquire expertise in many different fields, which increases operational reliability and decreases operational costs.

When a bank's account management or other background system is replaced, a single interface (for Electra) has to be developed and tested for them, which greatly decreases the risks and costs of the switchover.

Advantage to administrators

The central client database of Electra stores all appropriate access IDs and privileges jointly for all channels. This makes user administration much easier as it can be done centrally, and once the user administration operation is completed, the modifications will apply to all channels.


Transparency is the most important feature of Electra components. This means that the different components and channels supplement each other and provide a single practical banking platform with rich functionality.

The system allows clients to pass order packages from one channel to another, thus, order packages registered or imported in the client application can be signed and submitted by another user via the Internet or using Mobile Banking. In cases like that the privileges of the signatory do not need to be transferred to someone else as the signatory can sign and submit the package from anywhere in the world, using only a mobile phone.


You can find more information about the Electra Internet Banking component here.

For more information on Electra Mobil Banking please click here.

For further information about Electra Client Program see this page.


K&H Bank Magyarország Zrt.

Raiffeisen Bank Zrt.

  • 2015., Electra Electronic Banking: Electra 7 system introduced for the bank's corporate customers under the names Electra Internetbank, Electra Mobile Bank and Electra Terminal

FHB Nyrt. (successor of Földhitel- és Jelzálogbank Rt.)

Magyar Takarékszövetkezeti Bank Zrt.

Cooperative savings associations involved in the Cooperative Savings Association Integration

Központi Elszámolóház és Értéktár Zrt. (KELER Zrt.)


GRÁNIT Bank Zrt.

Drávamenti Takarékszövetkezet

Rum és Vidéke Takarékszövetkezet

UniCredit Bank Hungary Zrt. (successor of HVB Bank Hungary Rt., but was also known as Creditanstalt Rt., then as Bank Austria Creditanstalt Rt. and then as HVB Bank Hungary Rt. from 2001 to 2006)

  • 1994., Electra Electronic Banking: Introduced the Spectra system.
  • 2001., Electra Electronic Banking: Introduced Spectra and Spectra Light on the MS Windows platform.
  • 2005., Electra Internet Banking: Added two new Internet banking services under the names SpectraNet Plusz and SpectraNet Light to the existing ones.
  • 2006., Electra Electronic Banking: Introduced Spectra client program v5.10, and the SpectraNet Administrator and Branch Administrator programs.
  • 2007., Electra Internet Banking: Migrated nearly 27,000 customers from the bank's legacy Internet banking system to SpectraNet.
  • 2007., Electra Electronic Banking: Developed an interface module for the bank's Custody Unit to implement a connection between the Magic development tool and the STP KID program.
  • 2011., Electra Mobil Banking: Introduction of a Mobile Banking service under the names of SpectraNet Mobile Banking Plus and SpectraNet Mobile Banking Light

Citibank Europe plc Hungarian Branch Office

ERSTE Bank Hungary Nyrt.

Kisdunamenti Takarékszövetkezet

Mecsekvidéke Takarékszövetkezet

Nagybajom és Vidéke Takarékszövetkezet

Tokaj és Vidéke Takarékszövetkezet

Takarék Szövetkezeti Hitelintézet

Turai Takarékszövetkezet

Commerzbank (Budapest) Rt.

KDB Bank Hungary Zrt.

  • 2005., Electra Electronic Banking: Introduction of the Electra system.
  • 2009., Electra Internet Banking: Launched Internet banking service under the name KDB NetBank for three customer segments: retail, small and medium-sized enterprises (SMEs) and corporate.

Biatorbágy és Vidéke Takarékszövetkezet

Alföld Takarék Szövetkezeti Hitelintézet (successor of Létavértes és Vidéke Takarékszövetkezet)

Alsónémedi és Vidéke Takarékszövetkezet

MKB Bank Zrt.

Örkényi Takarékszövetkezet

OTP Bank Nyrt.

Magyar Telekom Nyrt.

  • 2007., Electra Electronic Banking: Developed and interfaced TComSig, Electra's order batch compilation and signing program with T-Com's SAP system.

Alba Takarékszövetkezet

Füzesabony és Vidéke Takarékszövetkezet

Vértes Takarékszövetkezet

Forrás Takarékszövetkezet

Tak-Invest Informatikai és Szolgáltató Kft.

  • 2005., Electra Internet Banking: Introduced Internet banking services under the name Euro-eBank at nearly 60 cooperative savings associations of the Cooperative Savings Association Integration.
  • 2005., Electra Electronic Banking: Introduction of the Electra system.

Dél-Dunántúli Regionális Bank Zrt. (successor of Siklós és Vidéke Takarékszövetkezet)

Tiszaföldvár és Vidéke Takarékszövetkezet

Banco Popolare Hungary Zrt. (successor of IC Bank Zrt.)

Konzumbank Rt. (successor in title: MKB Bank Zrt.)

Postabank és Takarékpénztár Rt. (successor in title: Erste Bank Hungary Rt.)

Soltvadkert és Vidéke Takarékszövetkezet

Szigetvári Takarékszövetkezet

HypoVereinsbank Hungária Rt. (successor in title: UniCredit Bank Hungary Zrt.)

Hanwha Magyarország Bank Zrt.