Core Banking
Engine
ApPello’s digital Core Banking System (CBS) is a cloud based, low code solution catering for current accounts, savings and lending functionalities. The Core engine is complemented by ApPello Digital Platform, AI tools and pre-integrated third-party solution.
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Product Details
The heart of the CBS is the powerful current account, savings and lending engine. The engine is supported by ApPello Digital Lending Platform – Onboarding and Lending Portal, Loan Origination, Decision Engine, Loan Management, Collateral Management, Valuator, Early Warning and Debt Collection System – providing a complete front to back system. The CBS is pre- integrated to various third-party solutions i.e.: payment hubs, card management tools, and more…
Digital Core Banking System is scalable to fit your business requirements across retail, SME and large corporate clients. ApPello offers its Digital Core Banking both as SaaS and on-premise. The product set is cloud agnostic and can enhance AWS, Azure or Google Cloud native technologies offering clients a range of competitive advantages.
Benefits
Powerful CBS engine for Retail, SME and Corporate business
Rapid configuration with Low Code Digital Platform
Flexibility – Enables configuration over customization
Extendable with ApPello Digital Lending Platform and 3rd party components
Cost Reduction – Minimal customization, integration and bespoke development
Scalable solution fits your business – Cloud-native
Complete
core banking toolset
ApPello Core Banking System helps to achieve your business goals and with ApPello Digital Lending Platform is the ideal choice. Thanks to the microservice based architecture ApPello’s core banking solution can easily support any agile product and business development approach.
The system supports current accounts, savings (saving accounts) loans (loan accounts). The CBS is delivered with optional Digital Lending Platform front office where the front-end experience matters the most to provide the best customer digital channel experience and back office which automates all processes from origination till collection.
Core Banking
modules
Account Management (AMS) is a multi-currency account and balance management tool with interest bearing.
The system is able to work closely with card management and loan management applications.
Supports authorisation holds, payment orders, overdrafts, various fees and carry out accounting of economic events.
Savings Management provides configurable deposits and savings accounts, supports full range interest and fee calculation options.
Loan Management (LMS) automates all types of loans processes throught the whole life-cycle from disbursements until termination. The application provides a comprehensive solution for the Bank’s administrative tasks, manages all the transactions related to the loan.
More on Loan Management…
Speed up
time-to-market
The solution can be configured to your specific needs without the need for additional customisation and development using an intuitive interface to design, build and maintain holistic business products and processes.
Using wide range of APIs ensures you are not developing or maintaining code every time you integrate. Configuration capabilities and ease of integration with APIs allows a dramatic reduction in the time to market.
Configuration
over customization
The system functions can be easily incorporated into the workflow. The workflow can be configured very easily with drag-n-drop capability, with which you can design or completely re-design your flows within hours. You can easily measure your effectiveness such as product take-up with built-in dashboards and reports. The workflow engine can be used by the business users to define and maintain workflows even across different business modules.
The flexibility features of ApPello’s platform enables you to continuously fine-tune business rules/process flows, and optimized UX with drag-n-drop screen builder. Advanced users can set up and maintain workflows, configure business rules and screens, and modify page layouts themselves. Enhancing your product portfolio has never been so easy – you can configure a new product, run the necessary tests and launch new products in days rather than months. This innovative, flexible and unified set of products will help your company face the current and future challenges of the turbulent banking world.
ApPello
Composable Solution
With the use of our Digital Platform, financial institutions can seamlessly connect to other third-party applications such as payment hubs, treasury, card management systems or any other services which can accelerate your business.
The platform is pre-integrated with various (approximately one hundred) solutions which helps you to configure your solution according to your business needs and preferences.
Operational cost
reduction
ApPello’s system is cloud agnostic and uses the elasticity of the chosen cloud platform to deploy on demand rather than a fixed capacity. Whilst we still fully support traditional on-premise installations, the cloud native capabilities of the CBS helps its clients realise even greater benefits from cloud deployments.
Omnichannel
approach
The Customer’s experience as well as internal staff user’s experience require an omnichannel mindset and toolset. The solution is designed with mobile devices and other corporate channels in mind with a digital interface.
Related
Products
You might also be interested in our other lending solutions
Unsecured
Loan Origination
ApPello Loan Origination Solution is designed for banks and financial institutions to manage lending processes of unsecured retail loans.
Loan
Management
automates end-to-end loan lifecycle processes from creation of loan products to disbursements until termination. The platform is built on a state of the art technology to manage simple retail to complex corporate loans.