Full retail/individual banking services

Fintense offers a wide variety of retail and individual banking services, letting customers take their finances and banking with them, wherever they go and no matter where they are. Thanks to a full set of banking services, your customers will enjoy a premium banking experience.

• Accounts and cards overview: balances, details, transaction history, statements, graphs
• Internal transfers between customer's accounts
• Domestic and international transfers
• Saved/predefined payment beneficiaries
• Currency exchange
• Peer-to-peer payments: transfers between individuals
• QR code payments

Online account opening

Customers can sign up online in real-time, without visiting a branch or talking to the call center. Fintense features an optichannel customer enrollment process – start on web, finish on mobile.

• ID scan & face recognition
• Based on End-2-End automation of customer facing processes
• KYC and AML processes included
• Digital signature available
• Document storage
• Simple integration and orchestration of external systems

Opti-channel platform

Single-point administration for all digital channels, including web, mobile, smartwatch, kiosk etc. Infrastructure is shared among all channels, including the integration and data layers.

The back-end infrastructure is shared among all channels, including the integration and data layers. All actions performed on a channel are immediately visible and accessible on all other channels – for example, switching to another channel in the middle of a loan application is completely seamless.

Online loans for clients and non-clients

Online banking solution is built with full customizability in mind. Existing functionalities can be extensively customized, both by the vendor and by the bank, using iBanking SDK.

In contrast to standard native mobile apps which require users to download updates after any modifications, no matter how small, Fintense supports extensive customization and (re)organization without the need for submitting updates to app stores.

The Bank can change both the design and the user experience using visual tools, and such changes can be live and accessible to app users immediately, without waiting for the app update to be accepted and published.

Personal finance management

Built-in personal finance management module automatically categorizes all the customers' incomes and expenses from their accounts or cards, based on the descriptions of the transactions and merchant categories.

The categorization of the transactions is done on multiple levels:

• Automatically, using the default system rules applicable to all customers
• Automatically, using the personal rules of each customer (which override the system rules)
• Manually, by changing the category, if needed

The module also supports budgeting per month per category and automatic tracking of the expenses in those categories, including the overspending alerts.

Cloud deployment

Fintense offers full-service approach, by taking care of infrastructure and maintenance. New features are being continiously added through regular platform upgrades.

Major cloud hosting platforms, like Amazon AWS and Microsoft Azure are supported, as well as deployment in private datacenters.