One core across every product
Create and operate every liability and asset product from a single financial system of record instead
of managing multiple product-specific cores.
- Unified product framework for accounts, deposits, stored value and lending products
- Common customer, account and balance model
- Shared product definitions, pricing policies and servicing rules
- Consistent financial processing across every product line
One real-time ledger across every product
A single, real-time general ledger sits beneath every balance and every transaction keeping financial
positions accurate and in sync, while meeting every regulatory, operational and financial reporting
need from one consistent source of truth.
- Real-time transaction postings
- Double-entry accounting on every transaction
- Real-time general ledger and chart of accounts
- Financial, operational and regulatory reporting from one source of truth
- Complete audit trail
Launch and continuously evolve products without software development
Bring new products, pricing models and customer propositions to market and keep evolving them long
after launch through configurations instead of lengthy development cycles.
- Configurable product definitions
- Flexible fee and interest frameworks
- Rapid go-to-market for new product lines
- Version-controlled product evolution
Build rich banking propositions with product bundles
Combine deposit, credit and stored value products into rich, bundled propositions that customers
experience as one product, priced, serviced and reported on together.
- Multi-product bundle definitions
- Shared and cross-product pricing rules
- Unified statements across bundled products
- Configuration-driven, not code-driven
Onboard customers in real time
Take a customer from application to fully active account in real time, with configurable onboarding
workflows built directly into the core. No separate orchestration layer required.
- Real-time identity verification and e-KYC
- Configurable, product-specific onboarding workflows
- Straight-through account activation
- Built-in exception and manual review handling
Tailor products, pricing and operational policies
Configure banking products around customer needs rather than forcing customers into standardized
products.
- Customer-specific pricing
- Product, account and transaction-level policies
- Flexible eligibility and operational controls
- Lifecycle policies
- Context-aware business rules
Complete lifecycle automation for account and ledger operations
Automate every stage of the account lifecycle end to end, including servicing, renewals, transaction processing and operational controls, reducing manual effort and operational risk
- Automated servicing and account lifecycle processing
- Automated renewals and lifecycle transitions
- Real-time transaction processing and postings
- Operational controls, statements and notifications
- Exception handling and case management
Future-proof against regulatory change
Respond faster to changing regulations through configurable financial policies, automated controls
and built-in reporting.
- Configurable regulatory policies
- Automated accounting and tax treatment
- Auditability and traceability
- Rapid response to regulatory change
- Versioned business and financial rules