Core Modules
Engagement Modules
Bank on Us for Agile Issuance of Consumer Credit Cards
Launch customizable credit card programs and revolving credit lines with dynamic risk scoring, loyalty integration, and real-time transaction authorization.
Modules used in this solution
Cash
Payments
Card
Credit
Lending Origination System
Ledger
Compliance
Risk
Profile
Reports
Audit
Case Management
KMS
Notification
Cash
Manages the lifecycle of fiat currency bank accounts, including creation, administration, and real-time querying.
E.g. Query an end-customer’s balance or seamlessly add a new beneficiary to an account.
Core Modules
Payments
Connects directly with payment rails to facilitate the sending, receiving, and settlement of funds via the central bank.
E.g. Execute instant payments on behalf of a customer during a point-of-sale purchase.
Core Modules
Card
Issues and administers physical/virtual cards, manages settlement with scheme providers, and supports secure tokenization.
E.g. Allow an end-customer to request and activate a physical VISA debit card.
Core Modules
Credit
Facilitates revolving credit lines with intelligent "bucketing" to apply specific interest rates based on transaction type.
E.g. Create a Credit Line Account with a specific APR but configure the Tax and Fee transactions to government with a lower APR
Core Modules
Lending Origination System
A specialized engine for defining credit scoring parameters and automated decisioning logic for loan applications.
E.g. Set debt-to-income thresholds to automate the approval or rejection of new applicants.
Core Modules
Ledger
The foundational double-entry bookkeeping system that provides an immutable record for all modules.
E.g. Maintain a precise record of customer reward points or loyalty balances.
Core Modules
Compliance
Defines and automates regulatory journeys (KYC/AML) to ensure compliance with international standards.
E.g. Deploy workflows to verify identities during onboarding and monitor ongoing activity.
Core Modules
Risk
Provides continuous evaluation of user risk profiles and robust transaction screening/monitoring.
E.g. Automatically flag an account as "medium-risk" based on demographic or employment changes.
Core Modules
Profile
Centralizes identity data management for institutional customers and their underlying end-customers.
E.g. Securely store and update primary contact info and KYC metadata for a global user base.
Core Modules
Reports
Generates region-specific regulatory filings and bespoke internal reports for commercial intelligence.
E.g. Generate a periodic interest rate gap report for automated submission to a central bank.
Core Modules
Audit
Provides a comprehensive audit trail by recording every request or transaction flowing through the Core.
E.g. Pull a granular history of API calls for a specific account during a security review.
Core Modules
Case Management
A dedicated interface for creating, assigning, and resolving operational cases (e.g., manual flags).
E.g. Route a name-screening flag to a compliance analyst for a final "Approve/Decline" decision.
Core Modules
KMS
Houses all private keys and supports robust column-based encryption to protect sensitive data at rest.
E.g. Ensure PII is encrypted and accessible only by authorized internal services.
Core Modules
Notification
The communication gateway between the Core and customers/third-party providers via webhooks.
E.g. Trigger a transaction webhook to a third-party partner system.
Core Modules
Retail
Org
Profile
Reports
Audit
Case Management
KMS
Notification
Retail
Powers the front-end banking experience for individuals, including wallets, card management, and payments.
E.g. Provide a seamless mobile app interface for a customer to manage daily spending.
Engagement Modules
Org
Centralizes high-level organizational settings that govern how the platform operates for a specific client.
E.g. Set the default domestic payment rail (e.g., FAST or ACH) for all outgoing payouts.
Engagement Modules
Profile
Manages user-specific preferences and fine-grained settings at the individual end-customer level.
E.g. Empower an end-customer to set and adjust their own daily card spending limits.
Engagement Modules
Reports
Generates engagement-layer filings and bespoke reports for operational health and user insights.
E.g. Generate a report on user engagement levels for a specific demographic.
Engagement Modules
Audit
Records every request or interaction that passes specifically through the engagement layers.
E.g. Review the history of user-initiated setting changes to troubleshoot a support query.
Engagement Modules
Case Management
An operational workflow tool for managing engagement-specific tasks and support tickets.
E.g. Raise a manual review case for a suspicious login attempt via the user portal.
Engagement Modules
KMS
Security module for the engagement layer, housing keys for secure data encryption of user interactions.
E.g. Protect sensitive user-facing data independently of the back-end core encryption.
Engagement Modules
Notification
Primary communication gateway for dispatching SMS, Email, or Push alerts to end-customers.
E.g. Dispatch a real-time push notification to an end-user regarding a large transaction.
Engagement Modules
The Modular Foundation for Service Delivery
Access to fully compliant, modular, core banking services, allowing institutions to launch products rapidly without managing complex backend infrastructure.
The Digital Credit Card Lifecycle Platform
Our platform supports the full consumer credit lifecycle, from instant digital application and underwriting to sophisticated fraud management and ongoing servicing, all integrated with the core ledger.
Digital Application and Instant Underwriting
Integrate external credit bureaus and internal risk models to deliver instant, automated credit decisions for applications submitted digitally.
Dynamic Credit Line Management
Automatically adjust credit limits and risk tiers based on real-time spending behavior, payment history, and internal policy rules.
Flexible Interest and Fee Configuration
Define and automate complex interest rate structures (e.g., tiered, promotional, penalty) and manage annual/late fee applications seamlessly.
Advanced Fraud Mitigation and Regulatory Adherence
Mitigate credit risk and fraud exposure with mandatory tokenization, real-time spending controls, and comprehensive compliance tools required for consumer credit products.
Secure Tokenisation
Replace sensitive Primary Account Numbers (PANs) with secure tokens, protecting data during storage and mobile wallet provision.
Real-Time Transaction Screening
Apply behavior-based risk scoring and customizable rules to flag and hold suspicious transactions instantly at the authorization stage.
Automated Regulatory Disclosures
Automatically generate and track essential consumer disclosures related to interest rates, grace periods, and fees, ensuring adherence to consumer protection laws.
Loyalty Integration and Portfolio Optimization
Drive revenue and consumer loyalty by integrating custom rewards programs, managing automated statement generation, and utilizing portfolio analytics to optimize credit risk.
Integrated Rewards & Loyalty Engine
Configure and manage sophisticated rewards programs (e.g., points, cashback, co-branded) with real-time accrual and redemption tracking.
Automated Statement and Billing Cycles
Manage customizable billing cycles, generate regulatory-compliant statements, and automate payment processing and delinquency tracking.
Portfolio Analytics Dashboard
Provide risk teams with real-time data on portfolio utilization, revolving balances, and payment patterns to inform credit policy and marketing strategies.