Core banking software

A core banking solution that keeps accounts, deposits, loans and the general ledger on one platform, with the audit trail regulators expect.

The core is a bank's system of record: every account, every transaction, every balance. We build core banking software around your products and your regulator's rules, so branches, internet banking and mobile apps all read from one ledger that reconciles at the end of every day.

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What the system covers

Customer onboarding and KYC: One profile per customer with identity documents, nominees and account relationships.
Accounts and deposits: Savings, current, fixed and recurring deposits with interest calculated to your scheme rules.
Loans and advances: Sanction, disbursement, repayment schedules, interest and overdue tracking.
General ledger: Double-entry accounting with day-end, month-end and year-end closing.
Branch and teller operations: Cash, transfers and cheque handling with maker-checker approval.
Reports and audit trail: Statements, statutory reports and a record of who did what, and when.

Who it is for

Co-operative banks and credit societies outgrowing ledgers or a legacy package.
Lenders and finance companies adding deposit or savings products.
Banks that want branch, web, mobile and ATM channels on a single core.

Questions we are asked

Can it be configured for our own deposit and loan schemes?

Yes. Products, interest rules, charges and approval limits are set up to match your schemes instead of forcing you into fixed ones.

Can existing account data be migrated?

Yes. Data migration from ledgers, spreadsheets or a legacy system is planned as its own stage, with balances reconciled before go-live.

Does it connect to internet and mobile banking?

Yes. The core exposes APIs that our internet banking portals and mobile banking apps use, so every channel shows the same balance.

Talk to us about core banking software

Tell us where you are today and what you need. We will connect with you soon.