With the evolving banking regulatory landscape and the highly anticipated market needs for Automation, our platform is the one needed to help banks adapt to the growing challenges, provide an advanced and dynamic suite of products and services to accelerate their business through digital transformation.
Complete Suite of Banking Products
Provides a wide range of solutions to cater to customer needs while handling the most sophisticated banking requirements
Customer Onboarding and KYC
Offers a dynamic KYC form based on the financial institution’s needs to collect customer information upon onboarding and ensure that customers’ activities are appropriate
Operations and Payment Management
Provides the necessary tools to make and manage payments and transfer funds across channels
Customized Business Validations
Provides flexible and custom-tailored business tools to support the financial institution exclusive needs
Provides a 360-degree view feature for all customer products, accounts, transactions and facilities
Automatically sends the corresponding messages upon transaction/transfer approval
Our Financing platform is an outstanding banking solution that covers the full spectrum of financial products catering for international and market-specific business needs.
Being dynamic and highly parametrized, it provides an unparalleled personalized customer experience with quick time to market that guarantees increase in customer retention and organization’s profitability.
Enhances customer experience with personalized offers and faster time to market roll-out
Empowers banks through process optimization and Automation of complex business models for faster turnaround time
Efficient management of the facility cycle, capturing related data for retail, corporate and treasury limits with straight-through processing for added flexibility
Supports financing rescheduling and restructuring, charges and penalty calculations, variable payment calculation methods, deal switching and merging, skipping instalments, advance and early settlements
Profit distribution and management of multi-currency pools linked to investments and deposits
Automated provision calculation for anticipated loss and liability based on predefined criteria and business rules in compliance with IFRS 9 and local regulations
Facilitates delinquency management and tracking of non-performing assets through collection and litigation procedures
Automatically sends the corresponding messages upon trades approval / settlement
In full compliance with Sharia rules and principles. The solution supports a wide spectrum of Islamic approved instruments such as Murabaha, Tawarruq, Musharaka, Mudaraba, Ijara, Istisna, Salam, Qard Hasan, project financing, real estate investments, and financing of letters of credit.
We offer a comprehensive platform that covers the full range of Trade Finance operations as well as structured trade products. Supporting growth and revenue maximization, the solution aims at mitigating counterparty and country risks, in addition to automating business flows and operations.
Products such as letters of credit, bills for collection, and letters of guarantees are tailored and customized to meet any business need, be it domestic or international.
Comprehensive Process Flow
A complete solution from request to settlement, catering to all business needs whether specific, international or central bank regulations
Being integrated with digital channels for optimal customer experience and connected with core banking and financing platforms, it consequently enables the full support of the financing trade life cycle
Agility and Customization
High flexibility and customization with fast time to market for new products
Visibility and Traceability
Provides greater visibility on the trade financing operations at every step of the process flow
Full compliance with latest standards and regulations with future-proof roadmap
Financing of High Value Transactions
Facilitates trading in emerging markets of cross-border high value transactions, through structured trade finance and supply chain finance
Our Investment solution equips our clients with the best tools and functionalities available for an efficient and effective processing of financial assets and auxiliary transactions. The suite includes a comprehensive portfolio management workflow, comprising scenario analysis and simulation of risk and return characteristics. The solution boosts a compliance embedded framework, and acts in favor of all parties involved including standard setters, counterparties, and end clients. Its user-friendly interface, coupled with the ease of transacting, renders it one of the most resourceful platforms to use.
The following asset classes, along with their related corporate actions are fully supported: Equities, fixed income securities, derivatives, alternative investments, commodities and funds.
Offers management of the institution’s proprietary portfolios as well as customers’ portfolios with a comprehensive list of account statements, holding reports and mark-to-market practices
Allows parameterizing market standards as well as bank specific security types and securities, in addition to financial intermediaries and related functions
Trade Processing and Settlement
Purchase and sale of securities of different asset classes, in addition to the execution of the related corporate actions
Automatically sends the corresponding messages upon trades approval or settlement
Administers investment and mutual funds including subscription, redemption, capital distribution, and NAV calculation based on different periodicities
Includes a dynamic and customizable limit management interface allowing the bank to set a maximum investment percentage based on asset class, economic sector, dealer exposure, etc.
Initial Public Offering
Handles the lifecycle of a soon-to-be issued security into the capital markets allowing liquidity and exposure to the issuing corporation
Integrates with data providers such as Bloomberg and Thomson Reuters, allowing the data extraction and back-office processing of transactions executed through these terminals
The ever-increasing need of an experienced Treasury team is codependent upon having a sound Treasury platform. The Treasury is at the heart of the financial institution’s operations and there is a considerable need for impeccable liquidity and Treasury management operations. Our solution encompasses all the winning components needed to strive in a changing financial services landscape as a whole, and the developing Treasury and cash management scene in particular. The solution boasts a wide range of products, spanning from the very basic money market operations to the more complex financial derivatives solutions needed to mitigate exposures in an internationally connected marketplace.
Real-time data showcasing the institution’s exposure to different currencies, maturities, counterparties, and dealers
Interest Rate Derivatives
Supports hedging activities against floating rate exposures and executes derivative transactions
Money Market Operations
Hosts a myriad of money market products serving the institution’s overnight and medium-term needs
Floating Rates Management
Includes products based on international and domestic reference rates; caters pricing and valuation
Automatically sends the corresponding messages upon trades approval or settlement
Connects with real-time data providers to fetch information such as currency exchange rates and references rates, in addition to trade processing
Integrates wholly with limit management with online controls on limits during transaction processing
Cash Flow Monitoring
Robust correspondent banking liquidity management framework with flexible data architecture that shifts cash flow monitoring from being reactive to becoming a proactive and predictive function for reduced risks and improved profitability
Customer Relationship Management
This is a highly customizable solution based on Microsoft Dynamics 365 CRM. The solution helps banks meet the overall goals of Customer Relationship Management, while offering them new opportunities of expansion and growth by widening their market share through attracting new customers, retaining existing ones, as well as reducing the cost of marketing services. The ultimate purpose of this solution is to reduce operational costs and increase the bank’s profit by providing an enhanced and superior customer service.
360-Degree Customer View
Single and unified 360-degree view of all customer data and interactions, including account information, interaction history, banking preferences and customer profitability
Business Analytics Tools
Gain deeper understanding of business and team performance through graphical dashboards, contextual analytics, and powerful reports
Customer Service Management
Understand customer preferences and provide superior advisory services to improve wallet share, customer retention and loyalty
Identify high-value targets, segment customers, build lists of prospects, and develop targeted marketing campaigns to attract new customers
Boost Sales Performance
Improve cross-sell conversion rates, shorten sales cycles, and improve sales forecast accuracy with repeatable sales processes and intelligent workflows
Take advantage of drag-and-drop customization tools and flexible model to tailor CRM to your specific needs so you can bring new services to market quickly and cost-effectively
HR & Payroll
HR & Payroll plays a strategic role in helping organizations automate the key activities of human resources and payroll management. It provides comprehensive support of the company’s hire-to-retire cycle and payroll processes, with a fully integrated range of functions. It also empowers and engages employees by giving them more autonomy and control.
Employee Data Management
Elaborate employee data readily available at the management fingertips
Ease of Communication
Handle employee requests, publishing of corporate policies and procedures, communication with peers and HR professionals
Accurate and Timely Payment
Flexible payroll processes with accurate calculation and timely payment of salaries and sending encrypted payslips via emails
Alerts and Notifications
Alert mechanism and notifications at each level enables timely action from the employees, managers and HR team
Dynamic workflow setup depending on each transaction type or event automatically drives each of the transactions
Reporting & Analytics
Availability of reports for employees and line managers, HR specific reports, management dashboards and organization structure charts
Governance, Risk and Compliance
Manage your risk effectively with our GRC suite!
Our Governance, Risk and Compliance suite provides powerful, highly parameterized, and yet easy-to-use solutions for several risk areas and compliance requirements. It allows financial institutions to proactively manage their risks through various detailed management and analytical features, such as what-if analysis, sensitivity analysis, and stress testing.
It also offers ready-to-deploy comprehensive dashboards, reports, and analytics tools for both regulatory and the institution’s own risk management needs.
Basel II and Basel III
Risk Weighted Assets (RWA) and Capital Adequacy Ratio (CAR) and is compliant with the Basel II/III Accords and IFSB Capital Adequacy Standards
Enhanced credit risk analytics, including credit portfolio analysis, modeling of default probabilities and credit risk metrics
Market Risk and ALM
Advanced risk analytics, including VaR computation at instrument and portfolio levels, hedge-effectiveness testing, cash flow discounting siloes, trend analysis and other liquidity risk indicators
Indicates how much capital might be needed to absorb losses if worst‐case scenarios materialize, provides forward-looking assessment of risks and facilitates capital allocation and liquidity management
Operational Risk and Governance Component
Incident management and data collection framework with risk register, risk and control self-assessment led by detailed KRI/KCI analysis
IFRS 9 Compliance
Forecasts credit losses under different market conditions and computes the required provisions with preconfigured methods for estimating loan loss provisions ensuring compliance with IFRS 9 regulations
Central Bank Reporting
Built-in Central Bank reports for different countries, based on predefined templates and customized to suit local regulators’ needs
Robust system that permits to consolidate the financial statements of a group in order to be presented as a single economic entity with flexible, accurate and rapid reporting
FATCA (Foreign Account Tax Compliance Act)
Designed to allow banks to comply with FATCA via identifying U.S. account holders, reporting to IRS (Internal Revenue Service) and processing penalty of withholding tax for recalcitrant account holders.
CRS (Common Reporting Standards)
Allows the automatic exchange of financial account information for disclosure of income earned by individuals and organizations
Our Anti-Money Laundering solution helps financial institutions safeguard their reputations and avoid penalties associated with non-compliance. It uses a grouping of behavioral and analytics techniques that lead to improved detection precision:
- Analysts and investigators are able to make determinations quickly and more professionally due to the efficient user interface provided
- Users can quickly navigate between suspicious customers due to the interactivity available in AML program
- Reduced time required to interpret in the system any new or updated scenario recommended or issued by any authority or organization
- Holistic visualization providing financial institutions with accurate monitoring.
Delivers the right information at the right time to the Compliance officer for fast and efficient action
Provides best practices in AML typologies respecting FATF and other organizations and committees recommendations and regulations
Accommodates the rapid transformation of regulations and environments
Grows with the financial institution’s operations and matches the technological advancements in the industry
Customer Due Diligence Program
Provides the bank with the ability to know each customer and understand the potential reputational risks that each customer may tolerate
Customer Onboarding and KYC
Dynamic KYC form based on the financial institution’s needs to collect customer information upon onboarding and ensure that its customers’ activities are appropriate
Complete workflow in sanctions list with the flexibility to upload any list and matching capabilities through different rules and algorithms
Customer Risk Profiling
Customer profiling upon onboarding to assess the AML risk level based on several aspects or dimensions
Holistic view to Compliance officers on customers’ activities including AML with generated alerts
Flexible workflow allowing the financial institution to organize, prioritize, manage investigations and do the proper assignment when an alert needs deep review
Reporting and Dashboarding
Robust reporting engine and customizable embedded dashboards