Banking and Finance

Secure, Scalable, and Customer-Centric Banking for the Modern Era.”

Accelerating Digital Transformation for Banks and Financial Institutions.

Digital Banking Solutions to Accelerate Growth, Trust, and Financial Inclusion.

Digital Onboarding & eKYC Platform

Purpose: Replace manual, paper-heavy onboarding with secure digital enrollment. Focus: Biometrics, ID scanning, sanctions screening, mobile onboarding.

Core Banking Modernization Layer (API / Middleware Upgrade)

Purpose: Expose legacy core banking systems through secure APIs. Focus: Integration modernization, open banking readiness, data unification.

Mobile Banking Super App

Purpose: Consumer-first digital banking experience covering retail, SME and microfinance. Includes: Account view, transfers, bill payments Card management Loans & installment plans Instant notifications Multilingual UI (Arabic/English)

Digital Wallet & QR-Based Payments

Purpose: Enable everyday digital cashless transactions. Use Cases: Merchant QR payments (even without POS) P2P transfers Government benefits disbursement Fuel subsidies & university payments

Loan Originations & Digital Credit Marketplace

Purpose: End-to-end digital loan applications with automated checks and approval workflows. Features: Salary verification Credit scoring Digital signatures Real-time underwriting rules Document upload & validation

AI-Based Credit Scoring & Risk Analytics

Purpose: Assess creditworthiness using alternative data, transactional patterns, and income signals. Targets: Micro-loans, salary-backed loans, SME lending.

Enterprise Document Digitization & Workflow Automation

Purpose: Replace paper trails with secure digital documentation. Modules: Customer files Loan files Compliance & regulatory documents Automated routing and approvals

AML, Compliance & Fraud Analytics Platform

Purpose: Strengthen regulatory compliance and detect suspicious activity. Capabilities: Transaction monitoring Sanctions list integration Fraud pattern detection Case management

Central Bank Digital Transformation Suite (for CBL)

Purpose: Modernize national financial infrastructure. Includes: National KYC registry Payments switch modernization Real-time settlement dashboard Digital licensing portal Bank supervisory analytics

Omni-Channel Customer Experience (CX) Platform

Purpose: Unify customer service across branch, call center, WhatsApp, mobile, and web. Includes: AI chatbots AI voice bots Branch appointment booking Case/complaint management

SME Banking & Digital Microfinance Suite

Purpose: Digital tools for SME financing, grants, micro-loans, and revolving credit schemes. Includes: Digital application Risk scoring Subsidy disbursement Monitoring dashboard

Digital Cheque Processing & Clearing Automation

Purpose: Accelerate cheque clearance and reduce fraud. Includes: Cheque image capture Digital verification Automated clearing workflows

Customer Self-Service Bank Portal

A web-based portal allowing customers to view accounts, download statements, manage cards, update KYC, submit service requests, and access personalized offers.

SME Loan Mobile App

A light mobile app for SMEs to apply for loans digitally. Features: Loan application Upload documents Track application status Receive decisions Chat & support

Blockchain-Based Transaction Ledger

A permissioned blockchain for inter-bank reconciliation, transaction logging, or trade finance. Use cases: Cross-branch settlement Trade finance stamping Anti-tamper audit logs Document verification International transfers

Digital Account Opening (Basic Paper-to-Digital Form)

A simple online form to collect customer data and pre-fill branch systems.

Mobile Balance Inquiry & Mini-Statement App

A lightweight mobile app even without full core integration (via batch updates or middleware).

Debit/Credit Card Request & Tracking Portal

Allows customers to request new cards, reissue lost cards, and track delivery.

Branch Appointment Scheduling System

A simple booking system to reduce queues. Features: Book appointment SMS reminders Staff dashboards

Complaint Management & Customer Care Portal

A structured grievance redressal system with ticketing, escalations, and dashboards.

Digital Document Management for Loan Files

Scan → classify → store → access loan files digitally.

ATM / Branch Locator with Real-Time Data

A simple digital map of: ATM availability Cash/no cash Branch hours Services

Salary Processing Portal for Corporates

Corporate clients can upload salary files securely and automate payroll settlement.

Utility Bill Payment Module (Integrations-Based)

Enable customers to pay: Electricity Water Telecom Municipal payments