IBS Digital Banking

Modules

Everything your customers bank with.

Pick the modules you need. Each one works on every channel from day one and works in real time with your core banking system.

Product Listing

Accounts, cards and loans

Accounts, deposits and portfolios with statements over any period
Card details, transactions, new card and block card
Loan overview, repayment plan and simulator
Cheque book and stop-cheque requests
Search, print and export to PDF and Excel

Payments

Everything customers move

Intra- and inter-bank transfers, SEPA and SWIFT
Standing orders and beneficiary management
Pending, processed and rejected payment lists
Real-time status from the core

Corporate

Companies run their own users

Enterprise administrator creates and blocks company users
Product access and payment rights per user
Maker/checker with amount limits per role
Bulk payments uploaded from a file, tracked per line

Documentary Trade

Letters of credit and more

Letters of credit, guarantees, collections
Bill of lading and commodity requests
Supporting documents included

Requests and tracking in IBS; validation and processing stay in your core.

Trade Financing

Funds against receivables

Trade loans: drawdown and bill discounting requests
Factoring: invoice upload and advance requests
Status reflected from the core

Onboarding

Open accounts and request loans

Customer onboarding: guided account opening with document capture
Loan onboarding: digital loan requests, decided in your core

Onboarding journeys are adapted to each bank's KYC process during implementation.

Corporate approvals

Your mandates, enforced on every channel.

Each company decides who prepares and who signs, with one or two signatures depending on the amount. Limits are set by the bank, refined per company and per user, and apply the same way on web and mobile.

Preparedby an inputter, within their limit

First signatureby an authoriser

Second signaturewhen the amount or the rule asks for it

Sent to the bankprocessed by your core

Bank defaultsset once for everyone

Company profileoverrides the defaults

Each usertheir own limits and rights

Back office

The bank in control.

The back-office console is one of the platform's own apps. Your teams change users, limits, content and journeys in real time, without an app-store release.

Users and profiles

Provisioning, profiles, corporate administrators and company setup.

Limits and authorisations

Periodic limits and roles by transaction type, product access lists.

Content and communication

Banners, rates and offers, broadcast notifications, texts and languages.

Secure messaging

Ticket-style exchanges with categories and attachments, handled by your staff.

Reporting and audit

User activity, interface activity and statistics by period; every action traced.

Security settings

Password policies, MFA, lockout thresholds and session timeouts owned by your admins.

Security and integration

Secure on every channel, connected to your core.

Strong authenticationOne-time codes by e-mail or authenticator app, biometrics and device passcodes.
Access you decideEach role sees and does only what you allow, down to a single field; sensitive data is encrypted.
Every action tracedA complete audit trail of customer and staff actions, for investigations and compliance.
Secure developmentPractices inspired by ISO 27001, SOC 2 and OWASP.

IBS Digital
Banking

Temenos Transactnative connector, years of projects
Your core bankingadapted during implementation
Payments and card processorsthrough standard web services
Open bankingPSD2 delivered in production

See IBS in action.

Request a demo: a guided tour with our team, or a personal demo account you explore on your own.

Request a demo