NTBS has been designed to support the concept of a new breed of financial services organisation. One that combines traditional banking, investment and insurance products and delivers them using state of the art technologies, especially via the electronic channels and in particular, the Internet.

The hallmark of "direct banking" is cost-effective, efficient delivery and low overheads, coupled with extremely high levels of customer service and service flexibility.

NTBS is built on the WinTel platform and exclusively utilises Microsoft's development and database environments.

For the benefit of users, the NTBS interface design employs an intuitive and highly graphical approach. The NTBS architecture exploits the highly scaleable Microsoft N-tier system architecture with an VB front-end, .NET/Transaction Server middleware and SQL Server back-end.

NTBS is a live example of the practical application of business knowledge, modern business information engineering techniques, rapid application development techniques, and state of the art technologies.