A financial institution can provide financial services to a plurality of
remote devices, such as personal computers, personal data assistants,
screen phones, automatic teller machines, external service providers, and
internally to staff terminals and individual branches. By separating the
components of the system into independent components, the system and
method can be developed and tested on a component level rather than the
entire system level, thereby reducing the development and maintenance
cycle time. The system and method operate in sessions and can employ a
dialog component for gathering information from a customer, a rule broker
component for providing answers to the various legal and regulatory rules
in a particular country, a language man component for selecting
appropriate language, a transaction executor component for performing
transactions, and a presentation manager component for formatting outputs
to the customer.