Modernizing, without breaking the bank
Core banking systems were never meant to power your digital channels — and certainly not to support its innovation pace. The Omnichannel Banking Services layer instantly introduces the architectural fabric to gradually hollow out capabilities from your core and legacy systems. The benefit? You’ll be able to use the core for its actual purpose and deliver rapid value through a mature, industrialized platform.
Payments made easy
Orchestrate simplified money movement
Offer a unified payments experience with reduced risk in transfers to your customers. Our Digital Banking capabilities enable you to orchestrate all payment and transfer types, from internal to external, intrabank to person-to-person payments, and more. Additionally, our intuitive self-service functionalities reduce the reliance on your branches and call centers so you can focus on your customers’ most essential needs.
Product summary
The right insights, all in one place
Eliminate the need for your customers to toggle between banking apps by offering a unified product overview. That means all your customer accounts and transactions across different financial institutions and core systems will be conveniently grouped in one single overview, allowing your bank to offer meaningful financial insights at a glance.
Cards management at your fingertips
Maximized self-service for higher customer satisfaction
Reduce reliance on your branches and call centers by equipping your customers with powerful self-service capabilities. Allow in-app general card management, such as locking and unlocking, plus PIN requests/resets, as well as managing spending limits, travel notices, authorized users, and more.
Simplified wallet provisioning
Eliminate lengthy, multi-step card tokenization processes
Allow your customers to add payment cards (debit, credit, pre-paid) to digital wallets (Apple Pay and Google Pay) directly from their banking app. Make purchasing convenient by allowing payment cards — both virtual and plastic — to be directly and instantly added from your banking apps to their digital wallets.
Pockets
Accelerate financial wellbeing with saving goals
Improve the financial wellbeing of your customers by helping them achieve their savings goals. Our intuitive Pockets leverage customer data and AI to make recommendations within the app, thereby empowering them to create and achieve their saving goals.
Robo Advisory
Algorithm-based financial advice
Use robo-advisory to automatically offer compliant and personalized investment strategies to your customers. Combine technology and financial expertise to offer personalized financial and investment recommendations.
Trading
Enable buying and selling anywhere, anytime
Empower your customers with versatile trading capabilities. Initiate self-guided investment journeys and offer a first-class modern trading experience. And what’s more? Our always accessible overview shows customers their assets in real-time, all within the safety of the banking app they already know. That includes performance monitoring for stocks, available in real-time.
Portfolio management
Full portfolio control and transparency
Put the power of full portfolio management and transparency in your customers’ hands. Provide an extensive view that includes instrument positions, allocations, cumulative performance, valuation, and variation. You can even allow your customers to view a list of transactions in their portfolio, search for specific transactions, or simply filter via a set of parameters.
Personal finance management
Get a 360° view of financial data and financial wellness
Connect siloed data systems to provide contextualized and enriched transaction information. Enable your customers to gain insights on their spending habits through data analytics dashboards. Improve the overall financial wellbeing of your customers while reducing the volume of calls to your helpdesk.
Business finance management
Help your customers make smart decisions with financial forecasts
Give businesses the tools they need to succeed. Offer real-time insights on cash flow data, enabling end-users to improve their financial health and the performance of their small-and-medium-sized enterprises (SME) — all while increasing your acceptance rate for credit and loan applications.
Savings plan
Boost customer savings with smart investments
Help your customers go from savers to investors. Now, you’ll be able to effectively target digital natives that are new to investing with a winning formula that’s proven successful across banks and products. You’ll help them build confidence by educating, simplifying, and highlighting the benefits of investing — while minimizing distractions and lowering entry barriers — giving them a seamless start to their investment journey.
Positive pay
Prevent check fraud at scale
Help your business proactively safeguard themselves against unauthorized check transactions. They’ll be able to improve the accuracy of their checks and minimize errors by verifying details against issued records — simplifying the banking reconciliation process. Your SME customers will feel safe and in control with our Automated Clearing House (ACH) and check fraud. And for larger corporates, you’ll be able to equip your financial managers with our fast, intuitive, intelligent anti-fraud tool, boosting their efficiency without compromising security.
