The Future
of Digital Banking — NOW

One platform,
your way

Pick the modules that match your strategy. Combine them as you scale. Always on a single, connected foundation.
Mobile & Internet Banking
Online Onboarding & Smart KYC
Online Lending
Card Management & Transaction Authorization
Instant Payments & Open Banking
RoPay & A2A Infrastructure
Fintech Portal for Non-Banking Products
Personal Finance Hub

Mobile & Internet Banking

Your customers’ primary touchpoint — intuitive, secure, and built for daily engagement.

This is your digital hub for customer interaction — the always-on portal through which users view accounts, make payments, manage cards and investments, and interact with banking services in real time.
Key features
Account overviews, balances, statements, transaction history
Secure authentication (2FA, biometrics, device binding)
Contextual insights (spend categorization, analytics, suggestions)
Funds transfers (internal, same-bank, interbank), bill payments, bulk payments, scheduled payments
Unified experience for retail and business accounts (single credential)
Self-service tools: stop payments, card controls, direct support chat
Alerts, push notifications, in-app messages
Seamless channel sync (web, mobile, tablet)
Business advantages
Reduces dependency on branches/call centers
Increases retention and engagement via frequent app usage
Upselling and cross-sell opportunities (e.g. “You’ve spent X — want a budgeting tool?”)
Operational efficiency via digital self-serve

Online Onboarding & Smart KYC

Frictionless entry for new users. Digital onboarding that meets compliance without slowing down growth.

This solution combines identity verification, document checks, and fraud screening into a single automated flow, cutting acquisition time from days to minutes.
Key features
Fully digital application journeys with progressive profiling (only ask for extra data when needed)
Risk-based decision logic (adjust flow depending on risk profile)
Integration with third-party identity/verification services
Capture and validation of identity documents (OCR, liveness check, face match)
Pause/resume across channels (e.g. start on web, finish on mobile)
Automated background checks (KYC, AML sanctions screening, PEP, adverse media)
Real-time decisioning and conditional routing (e.g. manual review flows)
Business advantages
Converts more leads by reducing dropouts
Speeds up account activation
Lowers cost of manual KYC/underwriting
Ensures regulatory compliance while preserving good UX
Easily configurable (e.g. change which checks are required per geography)

Online
Lending

End-to-end digital credit journeys. Fast approvals, instant disbursements, and seamless risk management.

This solution supports the entire lending lifecycle —application, underwriting, servicing, collections — across different credit products (personal, SME, mortgage, point-of-sale, etc.).
Key features
Prequalification and offer generation (soft credit check, eligibility)
Underwriting workflows including manual override
Repayment scheduling, rescheduling, early payoff
Full application processing with dynamic forms
Disbursement module (immediate transfer to accounts)
Collections workflows, grace periods, write-offs
Credit scoring, decision engines, rule-based or ML models
Monitoring and risk management (alerts, limit adjustments, early warning)
Post-origination servicing (deferrals, restructuring)
Business advantages
Increases loan acceptance and conversion (by automating decisions)
Reduces time to decision (minutes/seconds instead of days)
Improves credit risk control with real-time monitoring
Enables scalable credit operations
Powerful cross-sell

Card Management & Transaction Authorization

Card issuing, management, and secure authentication — built-in, fully customizable.

You manage the lifecycle of payment cards (debit, credit, prepaid) and ensure each transaction is authorized correctly and securely.
Key features
Card issuance & provisioning (physical, virtual, tokenization)
Fraud detection and alerts (transaction anomaly detection, decline strategies)
Detailed merchant/transaction data, reconciliation
Card controls (limits, geofencing, block/unblock, velocity rules)
3-D Secure / 3DS2 support, challenge flows
Customer self-care (view card status, change PIN, limits)
Real-time authorization engines (rule-based, risk scoring)
Integration with card networks (Visa, Mastercard) and token services
Analytics, reporting, dispute handling
Business advantages
Centralizes card operations under your control
Enhances security and trust
Enables advanced risk/fraud detection
Improves customer experience (faster resolution, transparency)
Flexibility to offer virtual cards, embedded cards, tokenized payments

Instant Payments & Open Banking

Send, receive, and reconcile in real time with full PSD2 compliance and third-party integrations.

Handle immediate payments, account-to-account transfers, and supports open-banking APIs.
Key features
Real-time payments (domestic, cross-border, instant rails)
PSD2 / Open Banking compliance (AIS, PIS, consent & token management)
Audit trails, logging, usage monitoring
Instant reconciliation and settlement
API sandbox for third-party developers
Connectivity to clearing networks, ACH, RTGS, SWIFT, local instant rails
Mandates, consent management, API gateways
Embedded payment initiation flows
Business advantages
Enables seamless UX for transfers/payments
Opens you up to fintech ecosystems and embedded finance
Lowers reliance on third-party intermediation
Monetizes APIs (e.g. usage-based billing)
Drives new partnerships via data sharing (with consent)

RoPay
& A2A Infrastructure

Own your rails. Enable direct account-to-account payments and reduce reliance on intermediaries.

This is the under-the-hood payments infrastructure that lets you control the flow of funds directly, rather than always relying on third-party networks.
Key features
In-house account-to-account (A2A) transfers
Payment routing logic (choose optimal path)
Integration layer with internal systems and external rails
Local clearing engine / settlement rails
Liquidity / cash management (netting, batching)
Failover and redundancy, settlement assurances
Real-time reconciliation and clearing
Risk controls, limits, anti-fraud engines
Business advantages
Reduces dependency and costs of intermediaries
Greater control over latency, fees, routing
Ability to innovate on payment experiences
Operates proprietary rails in markets/regions
Opportunistic monetization (e.g. charging for premium direct transfers)

Fintech Portal for Non-Banking Products

Expand your value offering with adjacent services like insurance, perks, and loyalty — right inside your banking app.

This is your marketplace or ecosystem layer, embedding non-banking services that enrich the core banking experience.
Key features
API marketplace / portal for third-party offerings (insurance, telco, lifestyle, investment)
Bundling,
upsell & cross-sell logic
Consent and data-sharing frameworks
White-label partner modules (e.g. micro-insurance, rewards, CaaS)
Unified user experience (app surfacing partner services)
Partner onboarding, entitlement, revenue sharing
Analytics to track usage, success, conversion
Business advantages
Increases share of wallet
Differentiates your platform (not just a bank)
Drives new revenue streams (commissions, subscriptions)
Higher stickiness: users stay in your app ecosystem
Easier partnerships with fintechs/insurtechs

Personal
Finance Hub

Empower customers with holistic financial insights and planning tools — turning your app into more than a banking tool.

This module offers planning, advisory, and intelligent guidance tools.
Key features
Aggregated view (accounts, credit cards, loans, external accounts)
Personalized nudges (e.g. “You can save by cutting X subscription”)
Gamification / challenges / rewards
Expense categorization, budgeting, alerts
Debt management recommendations
Behavioral analytics, push suggestions, next best actions
Cash flow forecasting, goal planning (e.g. savings goals)
Wealth & investment suggestions (if applicable)
Business advantages
Deepens customer engagement and frequency of login
Soft cross-sell channels (e.g. “you have cash surplus — invest?”)
Rich data for behavioral modeling, segmentation, upsell
Builds trust and becomes a “sticky” central app
Differentiates compared to commoditized digital banking

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