Core Banking Solutions

We build Core Banking Solutions to streamline financial operations, ensure security and enable real-time banking services.

WHAT IT IS

Core Banking Solutions (CBS) are the transactional backbone of financial institutions, consolidating deposits, lending, payments, and customer servicing on a single, real-time platform. They power omnichannel banking across branches, ATMs, mobile, and web while enforcing product rules, accounting entries, and regulatory controls consistently.

WHO IT’S FOR

Retail, SME, corporate, and digital-only banks—as well as MFIs, SACCOs/credit unions, and fintech lenders—seeking scalable operations, faster product launches, and airtight compliance with auditability.

CORE MODULES

• Customer & Party Management (CIF): KYC profiles, risk scoring, AML watchlist checks, and 360° relationship view (accounts, loans, cards, limits).
• Deposits & Liabilities: Current/savings/time deposits, overdrafts, sweeping, interest/charges, fees, dormancy, escheatment.
• Lending: Retail/SME/corporate loans, revolving credit, collateral/valuation, underwriting rules, schedules, NPA/impairment, restructuring.
• Payments & Clearing: RTGS/ACH, ISO 20022 messages, instant payments, card rails, wallets, remittances, standing orders, direct debits.
• Treasury & Liquidity: Cash management, FX/MM, positions, limits, ALM interfaces.
• General Ledger & Finance: Double-entry posting engine, chart of accounts, period close, IFRS/local GAAP mapping, reconciliations.
• Fees, Pricing & Product Factory: Parametric product setup (tiers, bundles, campaigns), relationship pricing, waivers, revenue assurance.
• Branch & Teller: Cash/cheque processing, vault/strong-room, end-of-day, fraud controls.
• Disputes & Service Requests: Case management, SLAs, workflows, customer communications.
• Reporting & Analytics: Regulatory returns, operational dashboards, MIS extracts, data warehouse feeds.

CHANNELS & INTEGRATIONS

• Omnichannel: Branch, contact center, internet banking, mobile apps, agency banking, POS, ATMs, USSD, open-banking APIs.
• Ecosystem: Switches, card processors, payment gateways, mobile money (e.g., wallet rails), credit bureaus, LOS/LMS, CRM, ERP/GL, AML/FRM.
• Open APIs & Events: REST/GraphQL and event streams (webhooks/Kafka) for real-time integration and microservices extensions.

RISK, SECURITY & COMPLIANCE

• Security: RBAC/ABAC, maker–checker, four-eyes, encryption in transit/at rest, HSM for keys, secrets rotation, audit trails.
• Financial Crime: Name screening, transaction monitoring hooks, sanctions lists, unusual activity flags, STR/SAR workflows (via AML tools).
• Resilience: HA clusters, active-active/active-passive DR, RTO/RPO targets, automated backups, point-in-time recovery.
• Compliance: KYC/AML, FATCA/CRS, IFRS 9 hooks for impairment, PCI-DSS boundaries for card data (if applicable), data-privacy controls and retention.

DEPLOYMENT MODELS

• On-Prem or Private Cloud: Full control for latency and data residency.
• SaaS/Managed: Faster upgrades, predictable costs, built-in monitoring and security baselines.
• Hybrid: Sensitive workloads on-prem with elastic channels/analytics in cloud.

IMPLEMENTATION APPROACH

1. Discovery & Blueprint: Products, pricing, GL mapping, interfaces, compliance requirements, SLAs, and data residency.
2. Environment & Hardening: Network topology, HA/DR, IAM, observability, performance baselines.
3. Product Configuration: Deposits/loans, fees/interest rules, accounting schemes, limit frameworks, holidays/calendars.
4. Integrations: Payments switch, channels (mobile/web/ATM/USSD), AML/KYC, CRM, ERP/GL, reporting pipelines.
5. Data Migration: Source profiling, cleansing/deduplication, trial loads, reconciliations, sign-off.
6. UAT & Cutover: E2E scenarios, performance tests, parallel run, staff training, go-live runbook and rollback plan.
7. Hypercare & Optimisation: Tuning, defect triage, reports/regulatory validation, knowledge transfer.

OPERATIONS & SRE

• 24/7 monitoring (infra, app, transactions), synthetic probes, alerting on SLO breaches.
• Release management with blue-green/canary, feature flags, and auditable change control.
• Capacity planning for seasonal peaks (salary runs, school fees, festive periods).

OUTCOMES & KPIs

• Faster Time-to-Market: New products and pricing in days/weeks instead of months.
• Straight-Through Processing: Higher STP rates, fewer manual touches, lower ops cost.
• Risk & Compliance: Improved screening/monitoring coverage, clean reconciliations, timely regulatory filings.
• Customer Experience: Real-time balances, instant payments, consistent service across channels.
• Reliability: Meeting uptime targets with defined RTO/RPO and tested DR.

WHY IT MATTERS

A modern CBS lets banks innovate safely—launching digital products, partnering with fintechs, and scaling volumes—without sacrificing control, auditability, or resilience.