Banking-as-a-Platform

Underpinning World-Class Banking-as-a-Service Solutions

1

Moving with the times

As the banking and fintech sector collide, the ability to deliver new products to grasp new & exciting opportunities is critical to survival

2

Market-focused not IT-focused

Low-/no-code technology means that product and market specialists can build banking products and services without development skills

3

True SaaS model

No fees for software, hardware, users, hosting, processing, storage, sysops, support, updates or upgrades - simple user volume and transaction model.

4

Micro-products

For the most vulnerable and poorest in society who need the sort of support that mainstream banking just can't provide


Key Banking Subsystems

General Ledger

A comprehensive, highly-configurable, banking-grade GL that provides:
• Chart of Accounts 
• Accounting treatment 
• Account grouping 
• Journal management 

Interest

The ability to calculate and apply interest is a fundamental function:
• Accrual
• Application
• Traditional model
• Shariah model

Accounts

A full-service capability across the full lifecycle of customers consumption of services:
• Current accounts
• Savings accounts
• Non-cash accounts

Lending

Highly configurable support for building and delivering a wide range of lending products and services:
• Loans
• Mortgages 

Services

Levying product/service life-cycle fees and event-based charges to products and services on configurable timelines:
• Fees
• Charges 

Compliance

Streamlined and configurable customer onboarding with:
• KYC/KYB/AML
• PEP
• Sanctions
• DPA/GDPR/POPI

Customer

Customers must be the focus for modern digital strategies :
• Customer registration
• Customer service 
• Contact centres
• Social media 

Foreign Exchange

Highly configurable multi-currency support: 
• Brokered FX rates 
• Real-time FX rates 
• GL & Treasury 
• As-of-value-date
• As-of-transaction-date
.

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