We offer a cloud-native core banking platform that, in one system, covers the entire lifecycle of lending and savings operations. The platform is made of prepackaged building blocks, that can be put together to create the banking experience you want. The real benefits here are the speed of implementation and the possibility to customize the solution to your needs. We can launch a new bank within a couple of months, and add new products within weeks.
Our strategy of keeping all customers on a standardized platform allows us to innovate quickly without compromising uptime – and you are always on the latest release and can focus on building what you want quickly and reliably.
Our Solutions
With your customers in the centre, our cloud-native core banking platform offers a wide range of prepackaged solutions enabling you to smoothly create new innovative banking services to keep up with their ever-changing demands. Click on the wheel to understand more how we can help you build your bank of the future.
- Consumer Loans – With or without collaterals and support for loan broker bidding
- SME Loans – Offering both secured and unsecured loans with flexible payment schemas
- Line of Credit – Revolving credit accounts with multiple withdrawals
- BNPL – Drive new ways to finance products, services, online or in-store purchasing
- Mortgage Loans – Financing for real estate and property with customizable origination process
- Deposit Accounts – our Deposits Accounts solution includes Current Accounts / Savings Accounts / Fixed Term Accounts
As we’re committed to continually challenging conventions, evolving our solutions, and developing the best software in the industry – this what it looks like right now. Anything you’re missing? Let us know – it might be in the next release.
Consumer Loans
Unsecured loans and support for loan broker bidding process
We make it easy for you to define flexible consumer loan propositions and to ensure a smooth customer onboarding experience. Loan applications are processed automatically, so you can focus on cases that merit personal consideration. We also automate the bidding process for any integrated loan brokers.
Upon agreement, your customer digitally signs the promissory note and any additional documentation. All customer documentation is stored in our e-archive for easy retrieval and disbursement is performed through integrated payment channels automatically.
We also offer flexible invoicing with templated statements, automated payment booking, and a friendly reminder cycle. All to ensure customer payments are received with a minimum of manual involvement or fuss.
SME Loans
Secured or unsecured loans
Our intelligent system makes it easy for you to propose business loans, with or without collateral.
Loan applications can be either processed in the origination workflow, or by pre-approved in existing systems. We allow high-volume, short turn-around time scenarios – while still maintaining high KYC standards. All thanks to our highly automated business customer onboarding process. We can also cater for more complex setups that require manual evaluation.
Flexible invoicing with template-based statements, automated payment booking, and reminder cycle ensures customer payments, with a minimum of manual involvement.
Line of Credit
Revolving credit accounts with multiple disbursements
Our Line-of-Credit product allows you to offer customers a more flexible financing option, with possibility to choose repayment schedule both on a per-payout and per-account basis, seamlessly merging fixed schedules and minimum-amount repayments into a single account statement.
APIs allow you to offer cash when and where it is needed, integrated with your partner’s products or through your own channels.
Behavior-based rules ensure your best customers feel appreciated and are given the flexibility they deserve.
BNPL
Drive and define new ways to finance purchases of products or services
functionality, that powers the next generation of subscription-based consumer products – allowing you to offer a virtual credit card – as a closed or open loop credit.
Automatically manages the complexities of logistics-related charging, including returns and delayed shipping. Plus it automates partner reconciliation with net commission disbursements.
Mortgage Loans
Financing for real estate and properties
Flexible origination processing of complex loans, based on a solid understanding of the challenges inherent in real estate financing and property-based collateral.
Mortgage servicing available through open APIs, allowing you to tailor your customer journey to your target audience.
Problem-free invoicing with direct debit and individually customized payment plans.
Deposit Accounts
Term and overnight accounts, highly configurable and built for self-service
• Designed for self-service
• Easily configurable product definitions
• Carefree, compliant solutions
Our deposit Accounts / Savings Accounts platform lets you offer unbeatable products to customers – from term deposits to overnight accounts – and everything in between. It includes flexible interest definitions and loyalty features such as re-investment schemes, and step-up coupons.
Pre-integrated and dynamic onboarding automatically collects KYC information, validates new customers, and screens for fraud or compliance issues. Automated payment booking and system-generated messaging lets you control your deposit business by merely adjusting your product definitions to suit your capital needs.
Key Benefits
One System: Covers the end-to-end process for lending and savings operations. From onboarding, origination, servicing, pre-collection, CRM, work queues to e-archive
Fastest time-to-market: Market-ready solutions to configure without the need of costly and lengthy implementations projects
Compliance: Strong focus on support for compliance, such as GDPR, AML, PEP and more. And we closely follow new regulatory requirements.
Designed for Growth: With our building blocks and pay-per-usage model you can start small, grow with the platform and easily add new solutions
Cloud Native: Kubernetes-based services continuously updated. Fit both newly started fintechs and large banks
Efficiency & Experience: An automated solution with a high degree of self-service lowers TCO and creates a unique digital experience to the end-customer
Key Features
Open REST APIs for flexible integration to enable building unique digital customer journeys
Internationalized platform with integrated payment gateway and configurable payment channels
Microservice-based architecture designed for scalability and resilience
Enhanced business intelligence, leveraging an integrated data mart with full SQL access allowing reports and visualizations
Supports complex processes using BPML, table-driven decision matrixes and dynamic data definitions
Integrated messaging - Secure Messages, SMS and Email for improved customer communications in real-time
Security by design with blockchain-based audit logs, duality and full traceability
Fully digital servicing with template-based document generation, digital signatures and e-archive – stored in one place
Our Ecosystem
To keep our promise of delivering the best core banking platform, we need to work with the best partners in the industry. With consumable API’s, our platform is built for collaboration and easy integrations.
We are committed to investing in, and growing, our partner ecosystem. All to offer you unbeaten expertise and advice. So that you can focus on creating innovative and value-adding solutions to your customers.
Below is a selection of our current partner landscape with ready integrations for smooth ramp-up and low establishment costs. Our partner family is growing every day. If you’re interested in joining our community, please give us a ping.
We only use latest proven technologies
Kubernetes is a portable, extensible, open-source platform for managing containerized services. Our solutions that run on Kubernetes are built for high availability and are designed to always be accessible.
Kubernetes on Elastx provides a cluster with redundant infrastructure spanning across three data centres (availability zones) in Sweden, with 100Gbps network. All data centres are state of the art with redundant power, cooling and uplinks. The uninterruptible power supply keeps the data centres running no matter how long a power outage is.
The data centres are 20km’s apart making them disaster protected from each other. Even if the cluster is built with high availability our solutions can, without any disturbances, loose connection to one data centre/availability zone. Read more on how we ensure you stay secure and compliant.
Contact us
Ready to take the next step in learning how to build a bank for the future? We understand you might have a few questions and would love to answer them for you. You have our 100% commitment.