Banqio
Blazing Bank in Your Hands!
What is Banqio?
It is a revolutionary next step in internet banking, for it offers users a complete banking experience without limiting services, compromising on security, or suffering performance. Moreover, it supports all the major browsers to encompass Internet Explorer, Edge, Chrome, Firefox, and Safari. Banqio also includes responsive HTML5 user interface, making it accessible from smartphones and tablet browsers as well. Banqio also offers native apps for Android, Wear OS, IOS, and Watch OS.
Who is it for?
- Traditional banks: This includes retail, commercial, investment, private, and central banks.
- Digital Banks: This combines the online and mobile banking services under one application.
- Financial Institutions: This denotes a company that deals with financial and monetary transactions, within the financial services sector; including, deposits, loans, investments, and currency exchange.
Features
Pertains to all services provided by the platform, whether CIB, PIB, E-Wallet, or Workflow.
Night Mode: The platform has the ability to switch between dark mode and light mode.
Full-Screen Mode: The user can choose to open the platform in a full-screen mode, for better visibility.
Alert Notifications: The platform sends push notifications, emails, and SMS. The user has the ability to customize the alerts.
Clean and Responsive User Interface Design: A very clean and smooth user interface. The platform is designed in a manner that is responsive to any device it is used on.
Biometric Login: The application supports biometric and face login.
Blazing Fast: The Platform constitutes a thin layer that interacts through APIs with the backend. This means that no business logic is done on an application level, which enables it to be blazing fast.
Company Administration: The application has the ability to manage companies and organizations.
Cash Management: The platform allows you to have an overview of all the accounts, where you can check the cash flow and collections.
Financial Transactions: The user can perform a single or bulk funds transfer. Using workflow, transfers can follow a certain maker-checker logic.
Report Center: Users can run an already- existing set of reports, or generate their own.
Multi-Company View: The user can have access to two or more different companies, and view them both using 1 login only; which makes it easier to handle everything.
Trade Finance: The User can view all trade finance-related items- LGs, LCs, and so on…
Form Builder: You can build any form you want in the platform, where you specify field types, specify conditions, and specify who should fill this form.
Work-Flow Engine: You have the ability to design any workflow approval matrix to match the customer's needs.
Open API: Any third-party system can integrate easily with the platform since it has all functionalities exposed to open APIs.
Read- Only Mode: The system can provide users with authorization that allows users to only have read access on the platform.
Transaction Disputes: Users can perform a transaction dispute on any created transaction.
Budget Tracker: Users will have a budget tracker module, where he or she can now write the income and expenses to know and track his budget.
Bill Payments: Users can perform bill payments using the platform.
PayPal Accounts: The application has PayPal integration.
Trusted Locations: Users can trust their login location, where if they login form another location, the system will require answers to security questions to verify.
Donations: Users can also donate to specific causes.
Crowd Funding: Users can request crowd funding.
Netvariant has experience in core banking integration
- Temenos (T24)
- IMAL
- SAP
- Contis
An E-Wallet constitutes an application that runs financial transactions on devices. The wallet allows you to pay using your device, as well as store funds, make transactions, track payment histories, and so on. This wallet also uses the Near Field Communication technology that enables two smart devices to connect (4 cm apart) and transfer information.
Money In: You can cash in (branch/ partner), transfer from a fresh money account, transfer from a non- fresh money account, and receive incoming transfers.
Money Out: You can cash out (ATM, Bank Branch, Bank Account- requires bank Onboarding- Partner), transfer money to a fresh money account, and perform outgoing transfers
Banqio is built in a modular structure: you can plug and play with whatever features suit you. The nucleus is the core, and Banqio allows you to add any module on top and use it.
Security Features
- SSL Connectivity
- SHA-256 Hashed Credentials
- PCI Compliance
- Maker-checker Concept
- Token protected Result API
Access Control
- User Group Permissions
- Multiple Failed Login Log
- Access and Action Log
- Record Audit Log