Product & Services

We offers a range of solutions for your web and mobile app ideas.

Core Banking Solutions

Cloud-Based Core Banking Systems: Streamlining banking operations by offering real-time processing, scalability, and flexibility on cloud platforms.

Digital Banking Platforms: Enabling banks to provide mobile banking, online banking, and personalized services to their customers through integrated, customer-facing apps.



Our Core Banking Software Solution will encompass a range of essential features that cater to the diverse needs of modern financial institutions:


Modular Architecture: A highly modular architecture that allows banks to customize the software according to their specific requirements, enabling seamless integration of new features and third-party applications.

Real-time Transaction Processing: Robust real-time transaction processing capabilities that ensure quick and accurate handling of customer transactions across various channels.

Multi-channel Support: Support for multiple channels, including mobile banking, online banking, ATMs, and physical branches, enabling customers to interact with the bank using their preferred methods.

Data Security and Compliance: Stringent data security measures and compliance functionalities to ensure that the solution adheres to industry standards and regulations, protecting sensitive customer information.

Automation and Workflow Management: Automated workflows for routine tasks such as account opening, loan processing, and KYC verification, optimizing operational efficiency and reducing human error.

Scalability and Performance: A scalable architecture capable of handling growing transaction volumes without compromising on system performance, ensuring a seamless banking experience even during peak usage.

Open Banking API: Support for open banking APIs, allowing third-party developers to create innovative financial products and services that integrate seamlessly with the bank's offerings.

Cloud Readiness: Cloud compatibility to provide flexibility, accessibility, and cost-effectiveness in deployment and management, enabling banks to adapt to changing technological trends.

Customer Relationship Management (CRM): Advanced CRM capabilities to help banks better understand customer behaviors, preferences, and needs, facilitating personalized services and improved customer engagement.

Analytics and Reporting: Built-in analytics and reporting tools that offer actionable insights derived from customer data, transaction trends, and operational metrics, assisting banks in making informed decisions.


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Services

Risk & Compliance Management Tools

RegTech Solutions: Advanced regulatory technology tools designed to automate compliance, risk management, anti-money laundering (AML), and fraud detection processes.

Know-Your-Customer (KYC) Solutions: KYC platforms that automate customer verification, helping financial institutions comply with local and international regulatory requirements.

Data Analytics

Financial Data Analytics: Tools for real-time financial data analysis, reporting, and forecasting, designed to help financial institutions make data-driven decisions.

Predictive Analytics: Using artificial intelligence to forecast market trends, customer behavior, and credit risk assessments.

Lending & Credit Solutions

Online Lending Platforms: Full-service digital lending platforms that offer automated loan origination, risk assessment, and approval processes.

Credit Scoring Models: Utilizing machine learning algorithms to assess borrowers' creditworthiness, based on alternative data sources and traditional financial information.

Customer Experience Solutions

Chatbots & Virtual Assistants: Customer service tools that allow financial institutions to offer 24/7 support through conversational interfaces.

Financial Management: Apps and tools that help customers manage their finances, providing tailored financial advice and budgeting tools.



Target Clients:

Microfinance & Banks: Retail, commercial, and investment banks looking to enhance their operational efficiency, security, and customer experience.

Co-operative & Credit Unions: Offering affordable and scalable tech solutions to credit unions to better serve their members and increase member engagement.

Insurance Companies: Providing insurance firms with claims management solutions, policyholder engagement tools, and fraud detection systems.

Investment Firms: Offering advanced data analytics, trading algorithms, and portfolio management tools for asset managers, hedge funds, and wealth management firms.

Regulatory Bodies: Collaborating with governmental and regulatory institutions to create solutions for compliance monitoring and enforcement.



Technologies:

Cloud Computing: Solutions hosted on leading cloud platforms for enhanced scalability and performance.

Big Data: Advanced analytics solutions for processing large volumes of financial data to uncover actionable insights.

Open Banking: Integrating with APIs to facilitate secure data sharing between financial institutions and third-party providers.



Core Banking Feature list:

* KYC/IDENTIFICATION

  • DESIGNED AS PER AML COMPLIANCE
  • CUSTOMIZABLE IDENTIFICATION CATEGORIES
  • CUSTOMIZABLE IDENTIFICATION NUMBERS
  • MULTILINGUAL INFORMATION

PERSONAL IDENTIFICATION:

  • BASIC PERSONAL DETAILS
  • RESIDENTIAL OR NON RESIDENTIAL
  • CHILDREN AND GUARDIAN INFORMATION
  • SALUTATION
  • MARITAL STATUS
  • ETHNIC GROUPS
  • RELIGION
  • DISABILITY
  • ADDRESS CATEGORIES
  • CONTACT CATEGORIES
  • EMAIL AND SOCIAL MEDIA
  • FAMILY TYPE
  • FAMILY COUNTS
  • FAMILY MEMBERS
  • OCCUPATION DETAILS
  • INCOME DETAILS
  • PURPOSE AND SOURCE OF TRANSACTION
  • FAMILY PORTFOLIO
  • IDENTIFICATION CARDS
  • TRANSACTIONS IN OTHER FINANCIAL INSTITUTIONS
  • PHOTO, SIGNATURE AND OTHER DOCUMENT UPLOADS

ORGANIZATION IDENTIFICATION:

  • BASIC ORGANIZATION DETAILS
  • RESIDENTIAL OR NON RESIDENTAIL
  • ORGANIZATION SECTORS
  • ORGANIZATION PAN TYPES
  • ADDRESS AND BRANCH DETAILS
  • FOUNDERS, EMPLOYEES, OPERATORS DETAILS AND OTHER DETAILS
  • FOUNDER, EMPLOYEES, OPERATORS COUNTS
  • FINANCIAL POSITIONS
  • ORGANIZATION FINANCIAL BALANCES AND STATEMENTS DETAILS
  • ORGANIZATIONS AGM DETAILS
  • ORGANIZATION PORTFOLIOS
  • DOCUMENTS, STAMP AND OTHER DETAILS

* ACCOUNTS & FINANCE

  • CUSTOMIZABLE CHART OF ACCOUNTS
  • PARAMETERIZED ACCOUNT TYPES
  • FOREIGN CURRENCY SUPPORTED ACCOUNT TYPES AND TRANSACTIONS
  • TAXATION ON INTEREST, SALARY, INCOMES AND OTHER ACCOUNTS
  • SINGLE ENTRY TRANSACTIONS
  • MULTI ENTRY JOURNAL VOUCHER TRANSACTIONS
  • CUSTOMIZABLE VOUCHERS
  • AUTO POSTING VOUCHERS
  • REUSABLE VOUCHER TEMPLATES
  • ACCOUNT INTEGRATED INSURANCE
  • ACCOUNT INTEGRATED REMITTANCE
  • BRANCH AND CUMULATIVE ACCOUNT BALANCE AND STATEMENTS
  • BRANCH AND CUMULATIVE FINAL ACCOUNT REPORTS
  • RATIO ANALYSIS REPORTS INCLUDING PEARLS ANALYSIS
  • MULTILINGUAL REPORTINGS
  • TRANSACTION VOUCHER BILL AND DOCUMENTS ATTACHMENTS
  • VOUCHER, BILLS, RECEIPT ETC PRINTING
  • BOTH AUTO AND MANUAL VERIFICATION OF TRANSACTIONS AS PER USER OR TRANSACTION LIMITS

* TELLER, CASHIER AND VAULT REPOSITORY MODULE (TCV MODULE)

  • CREATE ANY NUMBER OF TELLERS, CASHIER AND VAULTS
  • PERMISSION OF TRANSACTION ON TELLERS, CASHIER AND VAULTS TO SPECIFIC USERS
  • MULTI CURRENCY SUPPORTED TRANSACTIONS
  • SPECIFICATION OF CASH TRANSACTION AS PER USER ON AS PER TCV
  • REPOSITORY WISE BALANCE AND STATEMENT
  • USER WISE REPOSITORY BALANCE AND STATEMENT

* SHARE MANAGEMENT

  • SHARE HOLDER CATEGORIZATION LIKE FOUNDER, PROMOTER ETC
  • SHARE ISSUE, PAYMENT AND TRANSFER
  • SHARE KITTA NUMBER MANAGEMENTS
  • SHARE CERTIFICATE PRINT AND RECORD
  • AUTO CALCULATION OF SHARE DIVIDEND AND BONUS
  • SHARE TRANSACTION AND BALANCE AND STATEMENT REPORTS

* ROLES AND USER MANAGEMENTS

  • ROLES SETUP
  • ROLES LOGIN SETUPS
  • ROLES MENUS SETUPS
  • ROLES AUTHORITY AND PERMISSION SETUPS
  • USERS SETUPS
  • BRANCH WISE USER LOGIN SETUPS
  • BRANCH WISE USERS MENUS SETUPS
  • BRANCH WISE USER AUTHORITY AND PERMISSION SETUPS
  • HOLIDAY SETUPS

* SAVINGS & DEPOSIT

  • CURRENT, SAVINGS, RECURRING AND TERM ACCOUNTS
  • BRANCH SPECIFIC OR GLOBAL ACCOUNT TYPE SETUPS
  • CURRENCY SPECIFIC ACCOUNT TYPE SETUPS
  • IDENTIFICATION SPECIFIC ACCOUNT TYPE SETUPS
  • JOINT ACCOUNTS WITH MULTIPLE OPERATORS
  • FIELD OFFICER WISE ACCOUNTS SETUPS
  • MINIMUM BALANCE FOR TRANSACTION AND INTEREST SPECIFICATION
  • PERIOD SETUPS FOR TERM ACCOUNTS
  • AUTO INTEREST AND RETURNS CALCULATION ON DIFFERENT BALANCES LIKE DAILY BALANCE, DAILY MINIMUM, WEEKLY MINIMUM, FORTNIGHTLY MINIMUM, MONTHLY MINIMUM ETC
  • AUTO INTEREST POSTINGS IN DIFFERENCE FREQUENCIES LIKE DAILY, WEEKLY, FORTNIGHTLY, MONTHLY, QUARTERLY, HALF YEARLY, YEARLY, ON MATURITY ETC.
  • TERM ACCOUNT INTEREST SCHEDULE SETUPS
  • RECURRING ACCOUNT INSTALLMENTS SETUPS
  • AUTO TRANSFER OF RECURRING DEPOSIT AS PER SCHEDULE FROM SAVING TO RECURRING ACCOUNTS
  • AUTO TRANSFER OF INTEREST AND PRINCIPAL ON MATURITY TO ITS NOMINEE ACCOUNTS
  • OVERDRAFT LIMIT SETUPS
  • OVERDRAFT LIMIT USAGE PERIOD SETUPS
  • OVERDRAFT LIMIT USAGE INTEREST AND POSTING FREQUENCIES
  • DORMANCY SETUPS AND ALERT
  • TERM ACCOUNT MATURITY ALERT
  • CREDIT AND DEBIT LIMIT SETUPS
  • TIERED BALANCE BASED INTEREST SETUPS
  • CHEQUE ISSUE, PRINTS AND BLOCKS
  • FIXED DEPOSIT CERTIFICATE PRINT
  • RENEWAL AND RESCHEDULER OF TERM ACCOUNTS
  • DEPOSIT AND WITHDRAW SLIPS
  • CHEQUE BOUNCE CHARGES SETUPS
  • FIELD COLLECTION SHEETS
  • ACCOUNTS AND BALANCE STATEMENTS
  • FIELD OFFICER COLLECTION REPORTS
  • ACCOUNT TYPES WISE REPORTS
  • FIELD COLLECTION SHEETS PRINT

* CENTRALIZED BRANCH BANKING MODULE

  • SETUP OF BOTH CENTRALIZED AND DECENTRALIZED ACCOUNT TYPE AND ACCOUNTS AS PER REQUIREMENT
  • ACCOUNT NUMBER SETUP AS PER BRANCH
  • ALLOW OR DISALLOW INTER BRANCH TRANSACTION OF SPECIFIC ACCOUNT TYPES OR ACCOUNTS AS PER SETUP
  • ALLOW AUTO INTEREST CALCULATION ON INTER BRANCH RECEIVABLE AND PAYABLE ACCOUNTS
  • ALLOW INTER BRANCH TRANSACTION CHARGES
  • BOTH CENTRALIZED AND DECENTRALIZED REPORTING OF ALL TYPES OF ACCOUNT TYPES AND ACCOUNTS ON SPECIFIC OR ALL BRANCHES
  • ALLOW USERS TO ACCESS SPECIFIC OR ALL BRANCH AS PER THE ROLE OF USER
  • CONTROLLING OF LIMITS, INTEREST RATES AND OTHER SETUP CENTRALLY

* LOANS AND CREDITS

  • SETUPS OF ALL KINDS OF LOANS LIKE BUSINESS, LOAN AGAINST FIXED DEPOSIT, VEHICLE LOANS, OVERDRAFT LOANS ETC
  • LOAN PURPOSES SETUPS
  • LOAN DEMAND APPLICATION ENTRY
  • LOAN COLLATERAL AND SECURITIES SETUPS AND VALULATIONS
  • INCOME PORTFOLIO ENTRY OF LOAN APPLICANTS
  • GUARANTOR INFORMATION AND HOLD THEIR BALANCES
  • ATTACHMENTS OF THE DOCUMENTS OF APPLICANTS AS PER NEED OF BANK
  • CALCULATION OF LOAN, INTEREST AND PERIODS FOR LOAN AGAINST FIXED DEPOSITS AS PER LAFD MARGIN
  • LOAN CHARGES SETUPS LIKE LOAN SERVICE CHARGE, DOCUMENTATION CHARGES ETC
  • LOAN INTEREST CALCULATION ON DAILY BALANCE AND FLAT BALANCES
  • GRACE PERIOD ON FINE PAYMENTS FOR DELAY OF PAYMENTS
  • LOAN APPROVERS AND APPROVAL LIMITS TO USERS IN DIFFERENT BRANCHES
  • CUSTOMIZABLE LOAN REPAYMENT SCHEDULES
  • LOAN REVALUATION, RENEWALS AND RESCHEDULER
  • AUTO CALCULATION OF INTEREST, FINE, REBATES, CHARGES ETC
  • TIERED BASED FINE CALCULATION AS PER DELAY DAYS
  • AUTO REPAYMENTS OF LOAN INSTALLMENTS FROM SAVINGS AS PER REPAYMENT SCHEDULES
  • LOAN INSTALLMENT, DELAY AND MATURITY ALERTS
  • LOAN PORTFOLIO REPORTS
  • LOAN AGING REPORTS
  • LOAN CATEGORIZATION AS PER DELAY DAYS LIKE GOOD, SUSPICIOUS, DOUBTFUL AND BAD LOANS.
  • AUTO CALCULATION OF LOAN LOSS PROVISIONS
  • LOAN FOLLOW UP ALERT AND RECORD ENTRY
  • LOAN AGREEMENT AND OTHER DOCUMENT PRINTING

* SMS/TEXT BANKINGS

  • REGISTRATION OF SAVING & LOAN ACCOUNTS
  • SETUPS OF REGISTRATION AND RENEWAL CHARGES
  • AUTO DEDUCTION OF REGISTRATION AND RENEWAL CHARGES
  • MULTILINGUAL ALERTS OF TRANSACTION
  • TRANSACTION ALERTS OF DEPOSIT AND WITHDRAWALS
  • TRANSACTION ALERTS OF LOAN INVESTMENTS AND REPAYMENTS
  • ALERTS OF FIXED DEPOSIT MATURITY
  • ALERTS OF LOAN INSTALLMENT MATURITY, DELAYS AND PERIOD MATURITY
  • ALERTS OF RECURRING SAVINGS DEPOSITS
  • BULK ALERTS OF NEWS, MEETINGS AND OTHER OCCASIONS
  • WELCOME MESSAGES IN REGISTRATION
  • AUTO BIRTHDAY WISHES TO THE ACCOUNT HOLDERS
  • ALERTS ALSO BY EMAIL IN CASE OF NETWORK UNREACHABILITY
  • USER LOGIN CREDENTIALS AND OTPS

* MOBILE/TABLET BANKING

  • CUSTOM SYNC OF ACCOUNT LIST OF COLLECTION AS PER FIELD OFFICERS OR MF GROUPS
  • EASY AND USER FRIENDLY MOBILE AND TABLET FRIENDLY USER INTERFACE
  • BOTH ONLINE AND OFFLINE TRANSACTION POSTINGS
  • SEARCH OF ACCOUNTS FOR ENTRY OF TRANSACTION BY BOTH MANUAL AS WELL AS BY SCANNING QR OF ACCOUNTS/IDENTIFICATION ID
  • ONSITE PRINTING OF TRANSACTION RECEIPTS BY USING POS DEVICES
  • REPORTS OF LIST OF TRANSACTION FOR EASY TRANSACTION AND AMOUNT TRACKING
  • REPORTS OF DUES AND BALANCES FOR PASSBOOK VERIFICATION ON SITE

* ONLINE BANKING SERVICES

  • WEBSITE TO REGISTER NEW MEMBER/CUSTOMER OR OPEN ACCOUNT ONLINE OR APPLY FOR LOAN
  • PERSONAL DETAILS OR ORGANIZATIONAL DETAILS AS PER AML COMPLIANCE
  • UPDATE KYC/KYM OF EXISTING MEMBERS/CUSTOMERS
  • ATTACHMENTS OF PHOTO, SIGNATURE, CITIZENSHIP, ETC
  • APPLY FOR OPENING NEW ACCOUNTS
  • APPLY FOR LOAN APPLICATION WITH DEMAND AMOUNT, PORTFOLIO, INCOMES, GUARANTEE, SECURITIES DETAILS
  • ATTACHMENTS OF ALL REQUIRED DOCUMENTS

* INTERNET BANKING

  • VIEW ALL THE DETAILS OF EXISTING ACCOUNTS
  • BALANCE INQUIRY
  • STATEMENT OF ACCOUNTS
  • ONLINE PAYMENTS OF DIFFERENT PRODUCT AND SERVICES
  • TRANSFER OF AMOUNTS FROM OWN ACCOUNTS TO OTHER INTERNAL AS WELL AS ACCOUNTS OF OTHER FINANCIAL INSTITUIONS
  • APPLY FOR OPENING OF ACCOUNTS
  • APPLY FOR LOAN
  • CHEQUE BLOCKS
  • TRANSACTION TEMPLATES FOR PAYMENTS
  • OTHER USER CREATION FACILITY BY MAIN USER
  • ASSIGN TRANSACTION LIMITS, ASSIGN APPROVAL ROLE TO USERS OF INTERNET BANKING

* MOBILE BANKING

  • DESIGNED AS PER INSTITUTION’S REQUIREMENTS FOR EASY AND USER FRIENDLY INTERFACE
  • AVAILABLE FOR BOTH ANDROID AND IOS
  • VIEW ALL THE DETAILS OF ACCOUNTS
  • BALANCE INQUIRY AND STATEMENTS
  • TOP-UP AND PAYMENTS OF DIFFERENT PRODUCT AND SERVICES
  • CHEQUE BLOCKS AND UNBLOCKS.
  • QR PAYMENTS ON BOTH NATIONAL AND INTERNATIONAL PAYMENT SERVICES UPI, FONEPAY, SMART QR, NAMASTE QR ETC
  • QR GENERATOR FOR RECEIVING PAYMENTS
  • TRANSFER OF AMOUNTS IN INTERNAL ACCOUNTS
  • TRANSFER OF AMOUNT TO OTHER FINANCIAL INSTITUTION ACCOUNTS
  • TRANSFER OF AMOUNT TO DIFFERENT POPULAR WALLETS
  • LOAD AMOUNT TO ACCOUNT FROM MOBILE BANKING, INTERNET BANKING, CARDS AND WALLETS
  • DISPLAY NEWS AND PROMOTION AND ADVERTISEMENT OF INSTITUTION IN DASHBOARD
  • TRANSACTION AND NEWS ALERTS AND NOTIFICATION
  • SECURED BY PIN, PASSWORD, BIOMETRICS, TWO-WAY VERIFICATION BY OTP OR EMAIL

* ATM BANKING

  • SETUP OF JOINING AND RENEWAL FEES
  • AUTO DEDUCTION OF JOINING AND RENEWAL FEES OF ATM
  • SUPPORTED IN ALL POPULAR ATM NETWORK PROVIDERS LIKE SCT, VISA
  • SUPPORTED IN ALL NETWORKS ATM NETWORKS IN NEPAL, INDIA AND BHUTAN
  • AUTO SETTLEMENTS OF ACCOUNTS OF TRANSACTION WITH SETTLEMENT BANKINGS
  • SUPPORTED IN ALL NETWORKS OF POS DEVICES FOR PAYMENT THROUGH DEBIT CARD