Banking innovation in retail banking is accelerating at an unprecedented pace. With clients targeted toward digital solutions, regulations constantly evolving, and new technologies being exposed in the financial and banking world, it is becoming vital to have retail banking solutions serving all those needs in an agile way.
With its integrated retail banking suite, Path Solutions provides the services and technologies to support retail banks in their digital transformation journey. This allows them to adapt and succeed in this rapidly changing financial landscape.
Robust Accounting System
Covers international and local accounting standards through a comprehensive chart of accounts and dynamic general ledgers
Offers a comprehensive, advanced and dynamic suite of banking products and services
Improves customer interaction and engagement while optimizing the value of each customer relationship across all touchpoints
Risk and Compliance
Enables management of risks through various analytical features ensuring alignment with financial regulations
Service-Oriented Architecture (SOA)
Exposes retail banking services through web services
Corporate banking is a key profit center for most banks, and it has proved to be the biggest revenue generating segment for financial institutions over the years. There has been a growing need for interrelated and interconnected products across the business banking sphere, thus offerings to institutional and corporate customers are evolving to meet the demands and needs of those market players.
Encompassing corporate loans, facility management, international transactions and payments, trade finance, and enterprise credit and treasury operations, our solution serves in particular this banking segment with customized solutions.
Possesses an all-inclusive view of corporate customers and their multiple financing needs
Makes international transactions at the service of a domestic financial institution
Provides multiple lines of credit and corporate loans for business operations and capital expenditures
Caters to the institution’s daily, medium and long-term treasury transactions
Foreign Exchange Facilities
Accommodates customers’ growing needs for foreign exchange products for cross-border transactions
Investment banking and wealth management continue to be transformed by increasing regulation, operational losses, advancing technology and enhanced risk management and compliance requirements. Protecting and enhancing a financial institution’s reputation as well as rebuilding investor confidence and trust, have become top priorities. A solid IT infrastructure is paramount in navigating today’s challenges while trying to match evolving customer needs.
Our investment banking platform provides just that. An efficient, easy-to-use, compliance-rooted solution, which enables our clients to perform the most complex of transactions and deals in a seamless manner.
We offer a solution that includes all asset classes traded in global financial markets coupled with a dynamic treasury platform covering the institution’s most complex liquidity, position, and exposure management practices.
Includes the trading and settlement of different types of internationally traded securities
Supports proprietary bank portfolios and customers’ assets under management
Customizable Fiscal Implications
Boasts an accounting schema that is highly parametrizable according to business functions
Encompasses a wide range of products for overnight and long-term treasury operations
IFRS 9 Compliance
Supports the recognition, classification, and recording of financial assets based on the latest standards
Provides up-to-date data related to the institution’s liquidity and cash positions
Monitors the exposure of bank portfolios against predefined regulatory and bank-specific limits
Allows setting up a benchmark portfolio for performance tracking and return calculations
Incorporates counterparty credit risk analysis, expected credit losses, and value at risk (VaR)
The microfinance industry is of vital importance for the overall productivity of an economy, providing much needed financial assistance for a customer base that would otherwise not be able to have access to the financial system.
Path Solutions understands the strategic role of this segment and has worked tirelessly to develop a solution that has both the institution and its individual customer at the base of its offering, covering an array of products and services specifically designed to provide those with limited resources and funds to obtain loans, credit, and insurance for both personal and business uses.
Allows transacting in multiple currencies with live exchange rates across the platform
Supports different branches within one organization while handling the full cycle of the process
Calculates customer scores based on the bank’s own parameters and business rules
Handles provisions with different ratios for different products, deal types, and customer types
Has a dynamic schema that is parametrizable and editable by deal or transaction type
Flexible Repayment Calculations
Maintains different repayment calculations with diverse schedules and tenures
Supports multiple languages including French, Arabic and more