Core Banking – INFOPRO

The Power of
eICBA 
Core Banking

Banks need a strategic vision - an appetite for customer analytics and technologies, and a stomach for volatile innovation and optimization on returns. To stay competitive, banks must constantly reinvent themselves and respond quickly to change. They will need to evolve not simply as a disrupter, but as an opportunist to better serve their customers and business lines with a unified digital platform and process innovation, and optimization strategy.
Banks must seek ways to transform their systems to an open platform system in order to equip themselves for the digital era. They will require a robust service enablement platform to seamlessly enable the right Fintech at the light of speed. With this, they can entrust INFOPRO as their perfect and well-experienced system integrator or partner.

Building future banks: Finding the right path for a bank to evolve in the era of digital disruption. Banks typically try to innovate in three areas. Which is best for your bank?

 
 

eICBA Core Banking System

Our award-winning eICBA Banking System is a comprehensive, integrated yet modular banking solution designed to meet the demands of today's financial institutions.

The system offers similar functions and services for both Conventional and Islamic Banking, where the Islamic Banking abides by the Sharia principles, of which, the two basic principles are the sharing of profit and loss between a bank and its customers and the prohibition of riba (interest).

Conventional Banking

The eICBA Conventional Banking System supports the following areas of business:

Deposit Management
  • Demand deposit account
  • Savings account
  • Term deposit accounts
  • Cash management for corporates
  • Liquidity management for corporates

Loans Origination
  • Loans calculator
  • Credit evaluation
  • Conveyancing
  • Loans disbursement

Credit Management
  • Credit administration
  • Credit risk assessment
  • Credit risk monitoring
  • Credit review
  • Litigation

Debt Collection
  • Management of delinquent accounts
  • Loans recovery
  • Litigation

Trade Finance
  • Documentary credit
  • Documentary collection
  • Shipping guarantee
  • Bank guarantee

Treasury
  • Liquidity and funds management
  • Asset Liability Management (ALM)
  • Risk management
  • Funds transfer pricing
  • Foreign exchange
  • Money market
  • Derivatives
  • Front office management
  • Middle office management
  • Back office management

CIF 360°
  • Customer insights
  • Customer segmentation
  • Total exposure
  • Relationship banking
  • Profitability analysis
  • Anti-money laundering (AML)
  • Sanction screening

Payment
  • Remittances
  • SWIFT
  • RTGS
  • ACH
  • Payment hub
  • Reconciliation and settlement
  • Card management

Accounting
  • General ledger
  • Fixed asset
  • Accounts receivable
  • Accounts payable

Interfaces
  • Host-to-host
  • ISO8583
  • ISO20022
  • 3rd party systems
  • Credit bureaus
  • Rating agencies
  • International & Domestic Payment Card Interchange
  • Social network

Islamic Banking

The eICBA Islamic Banking System conforms to Islamic principles in the following areas of business:

Islamic Deposit
  • Demand deposit account, savings account and term deposit accounts, etc
  • Cash management for corporate customers
  • Liquidity management for corporate customers

Financing Origination
  • Preliminary check on loans applicant’s entitlement
  • Financing evaluation
  • Conveyancing
  • Financing disbursement

Islamic Financing
  • Financing administration
  • Financing risk assessment and monitoring
  • Financing review
  • Litigation

Debt Collection
  • Management of financing accounts that are in arrears or default
  • Financing recovery process
  • Litigation

Islamic Trade Finance
  • Documentary credit
  • Documentary collection
  • Shipping guarantee and bank guarantee

Islamic Treasury
  • Liquidity and funds management
  • Asset Liability Management (ALM)
  • Risk management
  • Funds transfer pricing
  • Foreign exchange
  • Money market
  • Derivatives
  • Front office management
  • Middle office management
  • Back office management

CIF 360°
  • Customer insights
  • Customer segmentation
  • Total exposure
  • Relationship banking
  • Profitability analysis
  • Anti-money laundering (AML) and sanction screening

Payment
  • Remittances
  • SWIFT
  • RTGS
  • ACH
  • Payment hub
  • Reconciliation and settlement
  • Card management

Accounting
  • General ledger
  • Fixed asset
  • Accounts receivable
  • Accounts payable

Interfaces
  • Host-to-host
  • ISO8583
  • ISO20022
  • 3rd party systems
  • Credit bureaus
  • Rating agencies
  • International & Domestic Payment Card Interchange
  • Social network

eICBA Islamic principles and concepts which give Islamic Banks the flexibility and capability to package and offer a range of Islamic financial instruments, such as:

  • Al’ Wadiah
  • Al’ Mudharabah
  • Al’ Wakalah
  • Qardhul Hassan
  • Commodity Murabahah
  • Bai Al Salam
  • Al’ Istisna
  • Ijarah Thuma Al-Bai’
  • Ijarah
  • Tawarruq
  • Musyarakah Mutanaqisah
  • Musyarakah
  • Kafalah
  • Murabahah
  • Bai Al-Dyan

Your Perfect Partner
in Core Banking

A proven longevity: serving the Banking Industry for over 30 years – go open system platforms.

Product Highlights

  • Flexible product packaging capability
  • Powerful dynamic data modeling architecture
  • Business process management and rules engine
  • Internationalization / localization
  • Compliance to statutory regulations, Basel II/III and IFRS standards
  • Highly scalable with impressive response time
  • Straight-through processing (STP)
  • Latest technologies on open platforms and cloud
  • Service-oriented architecture (SOA) and model driven framework
  • Robust integration for omni-channel digital banking, business analytics and payment solutions through API and microservices

Interested to know more about our products?