| Siebel Financial Services eBusiness Application Integration Guide > Understanding Financial Services Integration Paradigms > Usage Models > Real Time
 With a real time model, you may choose to deploy Siebel Financial Services applications as a client or as a server. As a client, Siebel Financial Services applications access another program or initiate a transaction on an external system. Typical scenarios include:  
Sending an insurance policy created from Siebel Financial Services applications to a 'Policy Management' system and receiving the policy status in return.
Accessing a mainframe banking application to retrieve customer bank deposits in real time and display it within the Siebel user interface.
Sending claims to independent claims agents over corporate firewalls without compromising security.
Accessing an external rating engine system to calculate a quote and then displaying the information in the Siebel system.
 As a server, Siebel Financial Services applications are accessed by an external program to query, insert, update, or delete data without any initiation from the Siebel system. Typical scenarios include:  
An external EJB Web application accessing a Siebel Financial Services application to retrieve contact information.
Call center software extracting customer service request information from a Siebel Financial Services application.
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