Retail banking is undergoing a renaissance, powered by ubiquitous mobile access, a more empowered clientele and incredibly powerful new technologies. Whether you are an established bank that wants to address new market segments through a separate offering, or an upstart determined to upend the status quo in your region, we have the tools and know-how to assist you in your journey!
Deposits & Loans Origination
Deposits and Loans are the most active segments in financial services. The amount of competition and innovative new products that are been launched by entrenched as well new entrants makes it certain that you cannot afford to stay still. We have both the deep vertical expertise and the right toolset to completely transform your offering. Contact us to find out how you can revitalise your offering in this crucial market segment
Loans Origination + Loan Factory
SAP Transactional Banking offers a powerful, yet easy to administer, and flexible Loans factory with out-of-the-box support for all retail products and services.
Backed by end-to-end workflow processes designed by Noema, this is a true powerhouse for Retail banks who are looking to enhance their Loans product portfolio by increasing the number of products and product variations on offer, expand to new markets through a host of new distribution channels, traditional and digital
Axxiome Deposits
Together with our partners Axxiome, we offer a complete Deposits Management solution that is robust, fully digital, integrated and comes with a wealth of ready-made business workflows that guarantee rapid launch, low implementation risk, and support of a wide range of innovative deposit-centric products.
Based on SAP TRBK, you can be sure that your investment will be backed by unmatched support, integration capabilities, wealth of reporting options and industry leading workflows for product creation, bank officers and clients in in all channels.
Axxiome Digital
Axxiome Digital is a powerful digitization platform for small, mid-sized and big banks.
The platform integrates with existing core systems and serves as a new digital infrastructure, without undergoing a risky and expensive rip-and-replace transformation, you can have a fully responsive digital platform that fuels innovation and growth in the digital age.
With Axxiome Digital, create & launch innovative products quickly across channels, adopt emerging technologies such as AI and machine learning, become compliant to open banking, PSD2 and new regulations, and integrate easily with leading FinTechs to explore new digital business models.
Islamic Finance
With over 15 years of presence in the Gulf region, our team has deep understanding of the particulars of Islamic products and Islamic finance requirements. You can trust our expertise to deliver on a wide range of Sharia-compliant financial products and services. Contact us for more information
Islamic Loans
With 15+ years of presence in the Gulf region, we have developed a deep understanding of Sharia-compliant Loans products and their intricacies. We offer the following range of Products based on SAP Loans Management and we have the expertise to support any other product type or variation.
- Ordinary loans with service fees
- Istisna’a
- Ijarah
- Murabaha and Instalment Sales (Murabaha by instalments)
- Restricted Mudaraba
- Profit Sharing (Musharaka Model)
Islamic Accounting
As part of our Islamic Loans offering, we have developed a comprehensive Accounting support model for Islamic Finance that addresses all of the specialised needs for Sharia compliance. We offer:
- Ready-to-run Accounting scenarios, compliant with the AAOIFI Sharia standards
- Sharia-compliant Cash Flow calculations and Repayment Schedules
- Sharia-compliant Fees configuration
- Hijri – Gregorian Calendars in parallel
- Islamic-specific reports, incorporating Hijri and Gregorian calendars, Over dues, etc.
