Core Modules
Engagement Modules
Bank on Us for High-Volume Consumer Credit
Launch and manage personalized lending products, from unsecured personal loans to point-of-sale financing, with automated risk assessment and compliance at the core.
Modules used in this solution
Cash
Payments
Loan
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
Loan
Supports the configuration and management of non-revolving credit products (personal, vehicle, and mortgages).
E.g. Configure a 48-month fixed-term loan product for automotive financing.
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
Behavioural
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
Behavioural
Tracks and analyzes customer behavior to trigger automated actions based on specific user patterns.
E.g. Trigger a personalized savings tip when a user maintains a high cash balance for 30 days.
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 Consumer Credit Origination Platform
Our modular engine simplifies the entire consumer lending lifecycle. Leverage instant decisioning capabilities, customizable risk policies, and automated document generation to enhance customer experience and dramatically reduce operational overhead.
Instant Decisioning API
Integrate external credit bureaus and internal data for instant, automated credit scoring and underwriting decisions, reducing application abandonment rates.
Customizable Risk Policies
Define and manage complex risk rules, pricing matrices, and approval workflows in a low-code environment, allowing for rapid A/B testing of lending policies.
Seamless Digital Origination
Enable friction-free, fully digital application processes across all consumer channels (web, mobile, third-party partners) with embedded e-signature support.
Built-in Regulatory Compliance and Data Security
Managing consumer credit requires stringent data security and continuous adherence to changing lending regulations. Our platform incorporates built-in, automated controls for data privacy, anti-money laundering (AML), and fraud detection to minimize risk.
End-to-End Data Encryption
Utilizes AES-256 bit encryption for all consumer data, from application forms to credit reports, ensuring maximum privacy and compliance with data protection laws.
Automated AML & KYC Screening
Integrates real-time, comprehensive screening against global sanctions lists and performs automated KYC verification during the digital application process.
Non-Repudiation Audit Trails
Every decision, transaction, and application is logged with time-stamped, tamper-proof audit trails, ensuring regulatory transparency and easy reporting during compliance checks.
Intelligent Servicing and Portfolio Management
Go beyond simple disbursement with real-time portfolio monitoring, automated communications, and granular control over loan adjustments. Gain intelligence to manage risk and optimize loan performance over time.
Real-Time Portfolio Health
Monitor the entire consumer lending book instantly. Track KPIs like delinquency rates, prepayment speeds, and risk exposure with customizable dashboards.
Automated Lifecycle Events
Automate communications and actions for key events, including payment reminders, late fee application, rate adjustments, and loan maturity notices.
Flexible Loan Adjustment
Handle mid-term loan modifications—such as restructures, payment holidays, or principal increases—quickly and compliantly through the Core Banking Engine.