Digital Transformation

Enhanced Digital Experience - Customer

1

Video KYC & Digital on boarding

Excellent customer experience on becoming Bank customer
Substantial saving in man hours, reduction in turnaround time, fraud/compliance  risk mitigation.

2

Automated Processes with Streamlined Mid-office

Customer centric 360* View dashboards across all TB
SLA Management and Tracking
Flexible workflow and user assignment
Customer Feebbacks

3

Comprehensive Digital Channel – TB, SCF and Trade

Single Sign-on for all business services
360* Reporting and Dashboards
Cash Flow forecasting – Payables and Receivables integration

4

Customer Service

Report Designer for Bank Users
Easy and Intuitive SLA and Operations Dashboards
Automated Customer Reporting
Customer Training, FAQs, Support

Enhanced Digital Experience - Bank

1

Digitalization with Design Revolution

Redefined User Experience
Omni channel UX design Enforcing uniform user  experience across devices
Intuitive Actions and relatable dashboards for customers

2

Multi Bank / Multi-entity Reporting

Account Aggregation across  the entities
Multi Bank Reporting MT940/942/950
Real time Dynamic Cash position reporting

3

Communication

Corporate Chat
Targeted Campaign (Segment  based product marketing)
Support Desk via Shadow Browsing

4

One Stop for all Business

Account Services – 360* View
Cash Management, SCF and Trade Finance with SSO and unified experience
Customizable business dashboards and reporting

Consultancy for New Product Development and Generation of ROI

TRADE FINANCE

EXPORT CREDIT WITH CREDIT INSURANCE

  1. PRE SHIPMENT
  2. POST SHIPMENT

PROJECT SPECIFIC – SERVICE BILL DISCOUNTING

  1. END TO END MONITORING OF PROJECTS
  2. COLLECTION OF INVOICE AND INTERIM PAYMENT CERTIFICATE.
  3. REDUCTIO OF APG

IMPORT FINANCING

  1. OWN LC BILL DISCOUNTING
  2. LTR-IFBC
  3. LTR – Open account
  4. Avalization

FII Products (Conventional)

  1. EXPORT LC CONFIRMATION
  2. LC BILL DISCOUNTING
  3. AVALIZED BILL DISCOUNTING
  4. Syndication
  5. Bilateral Loan
  6. Forfaiting ( LC bill discounting )
  7. Reimbursement Finance
  8. Usance Paid at Sight (UPAS structure)
  9. Risk Participation (Buy and Sale)

Enhanced ROI: AAOISI Certified Sharia Compliant Products

Trade Finance

  • Istisna pre shipment credit
  • Murabaha Export purchase order finance
  • Bai Munfa for contract financing (service bill discounting)
  • Musawamah Non LC Bill Discounting

Supply Chain Finance

  • Seller centric Musawamah pool-based invoices with credit insurance (With or Without running Musharka)
  • Buyer centric Musawamah vendor finance with credit insurance

FI Products

  • Risk Participation – Funded – Buy
  • Risk Participation – Funded – Sell
  • Risk Participation – Unfunded – Buy
  • Risk Participation – Unfunded – Sell

Digitizing Trade Processes

Process Improvements

1

Compliance

  1. Anti-Money Laundering (AML )
  2. Counter Financing Terrorism ( CFT)
  3. Trade Based Money Laundering
    1. Price Monitoring
    2. Vessel Screening and tracking
    3. Dual Usage of goods

2

Subscription for Screening

Vessel Tracking and Screening
Prevent fraudulent bill of lading / container frauds
APIs for OFAC/EU/UN watchlist screening

3

AML/CFT/TBML -Technology & Policies/Procedures

APIs and Mid-office for AML, fraud and risk
Designating high risk countries and process to handle trade ransactions
Review of compliance policies / process to monitor TBML

4

Operations

Rule Based Workflows
Configurable Business Processes