Asseco Core Banking provides the efficient and reliable transaction processing with broad range of flexibly defined banking products and services.
The system features a client-oriented architecture and is capable of quick and seamless integration with other IT systems used at the bank through a wide range of business services (SOA), meeting all the requirements of omnichannel architecture. Asseco Core Banking is a fully-fledged solution which can provide support for banks with different business profiles: universal, retail, corporate, mortgage, auto financing and cooperative banking. Asseco Core Banking is an efficient and fully scalable system, working continuously in the 24/7 mode, and capable of supporting even the largest banking organizations. Asseco Core Banking has been designed to be deployed either in-house or in the Software-as-a-Service model.
Banking products
Retail banking
Personal account Savings account Payment card Term cash deposits: standard, rentier, progressive interest Revolving loans: account overdraft limit Non-revolving loans: cash, instalments, mortgage, auto financing, subsidized loan Payments: internal, domestic, international transfers Standing orders Direct debits
Corporate banking
Current account with overnight deposits, consolidation of funds Term cash deposits Business payment cards Revolving loans: operating loan, account overdraft facility Non-revolving loans: investment, discount, syndicated loan Multi-purpose loan facilities Payments: internal, domestic, international, payroll transfers Standing orders Bank guarantees
Key functionalities
Product management and pricing
Hierarchical structure of products with the feature inheritance mechanism . Independent defining of products and their prices.
Four-eyes principle (4EP)
Business data modifications can be controlled by a second operator across all areas of the system.
Expandable definition of customer file
he customer file is a complete set of features describing a client. The scope of collected information can be extended by the bank’s system administrator.
Multi-level control of limits
Monitoring of the client’s loan limits at various levels: loan agreement, multi-purpose loan facility, capital group.
Flexible definition of access rights to the system data and options
Access to customer data is controlled at many levels.
Archiving of business data
After the retention period is over, business data are transferred to an archive database.
Automation of mass processes
Automated processing of large data volumes.
Key functionalities
Improved customer experience
24/7 handling of customer orders, processing of transactions in real time throughout all available channels (even during the end-of-day processing).
Short time-to-market
New products can be defined by the bank’s system administrator Comprehensive offering of banking products.
Straight-through processing of orders
Automation of transaction and payment processing (STP).
Reduced operational risk
Four-eyes principle (4EP) available in all of the system sections.
Monitoring and auditing of user activities.
Advanced methods for managing user permissions with the possibility of restricting access to individual business objects.
Highly stable and efficient performance
Readiness to process customer orders regardless of an increased volume of current transactions.
99.5% availability of the system.
Effortless integration
Wide range of business services (API) allowing for quick integration with the bank’s external systems.
