API Management & Integration

● Integrate your back-end systems, expose secured APIs for your web and mobile application and B2B Fintech partners using a global class solution.

● Build APIs and microservices at third of the time compared to native language tools and libraries.
● Security and instrumentation with monitoring dashboards and analytics built-in.

Digital Omnichannel
Platform

● Build modern mobile and web applications for your customers at 1/3rd of the time compared to native languages.

● Single code (and skillset - Javascript) for iOS, Android, Web.

● Built in Analytics, Device Management Security for Enterprise Level deployments.

Identity Access Management

● User Identity Life Cycle management from onboarding, provisioning, rights assignment, and de-provisioning.
● Customer Single Sign On and provisioning thru customer selected social media logins such as Facebook, Google, Apple, Twitter
● Secure tokens for offline app-based OTP-type authentication for access and payments thru virtual cards

Open Banking

Provide secure a API Store for your Fintech and B2B Payments and fulfillment partners. Complete the digital payments loop.

● Secured API Banking
● PSD2 and GDPR compliant
● Consent based privacy protection
● Highest API security
● API Store for Fintech and B2B
● API Analytics, throttling, monetization
● On-premise, Cloud, Hybrid

Digital Omni-channel
Banking

Provide a robust scalable unified User Experience Digital banking on laptop, web, iOS, Android devices, to your customers and agents.

● Digital onboarding
● Rural Agent Banking
● Branch-less Banking
● Corporate Internet Banking
● Digital Relationship Management
● On premise and SaaS

Digital Payments

SaaS offering by a top payments practitioner using best of breed payments solution that deliver value
● Cards and Payments Acquiring & Issuing
● Cards Management
● Debit, Credit, Prepaid, Cash cards
● QR Payments, mobile payments
● Merchant Management,
● Android Smart POS terminals
● Cardless, PIN-less Token secured transactions
● PCI-DSS, PCI-PADSS

Core Banking, Savings & Loans, Cooperatives

● Customer KYC CIC compliant Database
● Tellering & Branch Management
● CA/SA Deposits System
● Loans Origination
● Loans Management
● Capital Contributions
● Dividends
● General Ledger
● BSP FRP, PDIC, CIC, CISA, CDA compliance
● BSP 808, 1019, 1022, truth in lending 

Credit Risk Scoring & Decisioning

●AI-powered Rapid and accurate Credit Risk and behavioral scoring.
● Especially for retail loans.
● Reduce credit risk, comply and shorten turn around times
● Use AI and Machine Learning on applicant's alternative data points
●  Develop insights by using the systems ability to churn out pessimistic, standard, optimisting, what if risk scenarios on the fly.

Lending Analytics

Developed by a top bank executive managing loans portfolio of a global bank.

● Targeted Lending and Risk Data Analytics
● For Credit Cards, SME and Retail Loans
● Early warning alerts out of the box
● Shorten time to be alerted of risks

Business Operations

Low code, Workflow Solution
● Design and implement approval based routing and workflow.
● Robotics Process Automation (RPA)
● Accounting, Payroll, HRIS
● Employee web Portal & mobile app
● Biometrics/Mobile Time and Attendance

Bespoke Solutions

● Insurance Brokerage for Banking
● Customer Information Management Portal for Cards Operations
● Card Origination 
● Relationship Management
● Credit Bureau submission ETL and checks
● Push url microsites
● Card Limit Approval Workflows
● Insurance Brokerage
● PFRS9 LGD EAL ECL Calculator

Messaging & Digital Marketing

● Business SMS Text Messaging
Blasting, 2-way and Interactive
● Text Keyword Inquiries and updates to Database
● Interactive Text Chat Center
● Shortcode SMS Gateway to Telcos
● Send OTP and custom URL for eStatements and Activation
● Email Campaign Management
● Secured PDF eStatements