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Let's 
Talk Tech

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Tech Talk

Summary of our Core 

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The core system was built using Intersystems Caché. It consists of modules enabling front and back-end users.

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Front-end users are enabled for Issuing, Acquiring and client enquiries

Back-end users are enabled for core business functions - Compliance, Client Care, Financial, Reporting, Processing and Monitoring.

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Switching of ATM, POS and other transactions are handled by the Transaction Switching module.

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Functions available

Core Banking System.png

Core Banking System

Debit Cards.png

Debit Cards

Card Management.png

Card Management

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Prepaid Cards

An Overview of the Core Banking System

MIS
Management Information & Reporting
CBS
Core Banking
System
Switching
Transaction
Switch
ESB
Enterprise Service 
Business
Dialogue
USSD Sms
Acquiring
Payments
Issuing
Account  Management

Components of the Banking System

The system consist of 4 main modules:

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  • Switching

  • CBS (Core Banking System)

  • Issuing

  • Acquiring 

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Other modules include:

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  • Dialogue (USSD and SMS's)

  • ESB Enterprise Service Bus (ESB) / Service Orientated Architecture (SOA)

  • Management Information System (MIS)

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Open API

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  • Most Functions

  • Switching ATM & Debit Card Transactions

  • Switching Payments/Transfer

  • Account opening and FICA Doc Storage Flow Service

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Module Description 

Issuing

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  • DebiCheck Payment Systems 2019 - current

  • Set up product types according to Business rules

    • Functionality, Fees, Limits, Documentation needed according to FICA requirements

  • Creating Card stock according to Product type and Co-brand

  • Allocate Stock to branches

  • Issuing accounts online

    • Cheque and Savings and Wallets

  • Upload documentation according to Business Rules for each products

    • Allow FICA department to approve documentation accor

  • Update Client Information

  • Value Added Products

  • Migration

  • Issue Convenience Card, similar to a gift card

  • Manage Branch information

  • Perform third party functions on behalf of Clients

    • Draw Statements, Balance Enquiries, Abridged Statements

    • Make Cards Hot

    • Load Payment Requests

CBS

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  • Transactional Banking System

    • Processing Credits and Debits

    • Enforcing Account limits

  • Customised import according to Industry Standards and proprietary standards

    • Incoming EFT Credits

    • Incoming EFT Debits

    • Acquiring Credits

    • Disputes

  • Customized exports according to Industry Standards and proprietary standards

  • Outgoing EFT Credits

  • Outgoing EFT Debits

  • Monitoring system to ensure 100% Availability

  • Export of all data to ensure compliance to our banking partner

ACQUIRING

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  • AEDO & NAEDO Payment Systems 2006-Current

  • DebiCheck Payments Systems 2014-Current

  • Register loans

  • Manage installments

  • Send Request for Payment

  • Process Response from Client

  • Send Feedback to Merchants who facilitate loans

  • Manage Merchant information

SWITCHING

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  • Accept switching transactions

    • Different formats : ISO8583, XML, JSON, ISO20022

    • In house format PIN Encryption by HSM

  • Switching ATM Transaction

  • Switching Debit Card Transaction

  • Switching Payments/Transfer

  • Monitor uptime 100%

What we do

DIALOGUE

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  • Communication module to the Client

  • Sending SMS

  • Accommodate Reply to SMS

  • Self registration of new Client on boarding

  • Mobile Banking allowing the client to transact on his mobile phone via USSD2

MIS

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  • Secure VPN Website

  • Pre-defined set of Reports to send management reports to branches and Head Office personnel

    • Accounting information from General Ledger

    • Summary of Fees acquired

    • Information on Accounts issued

    • Information of state of documentation

    • Customised reports as required

ESB

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  • Integrations with Third Parties to facilitate

    • Account Issuing

    • Documentation uploaded

    • Transfer funds (Including Reversals)

    • Registration of loans

    • Collection Requests

    • Collection Response

    • Integration into legacy systems

  • Data-interchange Formats

    • XML

    • JSON

    • ISO20022

    • Delimited (CSV)

  • Inbound OutBound Connection Adapters

    • Email

    • Files

    • FTP/ SFTP

    • HTTP

    • SOAP

    • REST

    • MQSeries

    • TCP

At Amber Fintech we listen to your needs. We make it a priority to assist you with tailor made debit cards that is easy for you to issue and even easier for your client to use.

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