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Full Stack
Flexible platform
Architecture based on microservices: a modern design created with a speed of operations, reliability, and convenience of use in mind. Open architecture allows swift and smooth integrations of third-party services.
Cloud-native Banking Platform: state-of-the-art solution with access to an extensive range of the required functionalities for your Fintech/Bank/Neobank. Fitting any Scale and Pocket: start with a basic setup for a small Fintech and grow into a sophisticated Bank on the backbone of Fintecor Banking Suite.
Statutory and regulation-proof and sound: the system comes with its own General Ledger and easily customisable chart of accounts. It is also integrated with complete compliance
solution to meet all AML/CFT, PEP, sanctions and transaction monitoring requirements.
Web & Mobile Applications
Applications provide robust platforms for internet banking and client management, incorporating integrated authentication methods such as Mobile TAN, eID, and DigiPass to ensure secure user access. Transaction security is further enhanced through 3D Secure protocols and PSD2-compliant authorization services. Additionally, the applications include intuitive client forms and responsive customer support features, designed to improve user interaction and streamline customer service processes.
Payment Gateway
A cloud-based solution that simplifies and manages SEPA transactions, ensuring seamless integration with the Maltese Central Bank. Its robust back-end engine processes and validates payments, transforming messages to XML format per SEPA CT schema while ensuring real-time communication with banking systems. The engine adheres to strict compliance and security standards, capable of handling high transaction volumes with effective error handling and audit trails.
The intuitive front-end BackOffice interface enables users to manage payments easily, providing real-time visibility into transaction statuses, initiating payment return requests, and generating detailed reports. Deployed on a scalable cloud infrastructure, the FintEdge SEPA Connector offers high availability and enhanced data security through encryption and comprehensive backup and recovery mechanisms.
Core
System
The Core Banking System streamlines banking operations and enhances service delivery. It features secure customer management for comprehensive data storage, enabling efficient access and protection of sensitive information. The accounts management component facilitates the oversight of various account types, including current and savings accounts.
The system also supports FX transfers and currency revaluation, essential for banks dealing with multiple currencies. A general ledger module ensures data accuracy and supports financial reporting and auditing. The commissions module manages fees and commissions for services, while the permissions module enhances security through dual controls.
Lastly, the reports module enables the creation of essential operational, regulatory, and strategic reports, offering flexibility to meet the bank's specific needs.
API-Friendly
The API-Friendly feature significantly enhances the Core Banking System and Payment Gateway by enabling seamless integration with external applications. This flexibility allows businesses to easily incorporate third-party solutions, enhancing their operational ecosystem.
The primary advantage of an API-Friendly architecture is its scalability, allowing organizations to rapidly adapt to changing market demands and integrate new functionalities without major overhauls. This leads to faster deployment of new services and improved customer experiences. Additionally, enhanced data sharing promotes operational efficiency and supports data-driven decision-making, driving business growth in a competitive financial landscape.