Codebase Technologies – Demystifying Digital Financial Services

www.codebtech.com

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State-of-art Technology Solutions

Integrated Project Management

Our Team

Our Delivery Experience

Extended Flexibility

Financial Commitment

We have over 3 decades of experience in delivering cost effective proprietary state-of-art superior technology solutions to resolve financial industry’s most complex challenges.

With experience in managing large-scale systems deployment projects, combined with expertise in management consulting, gives us the unique ability to engineer world class solutions.

Active support and participation of our key senior leadership in business management supplementing founders in realizing the target goals and objectives.

With extensive core banking deployments and our experience in dealing with legacy banking solutions like ITS, T24 and FlexCube makes us distinct in our approach and success.

We understand the need for the flexibility when it comes to incubating world’s next inspiring idea. We help manage such risks through our lock-in fixed cost contracts and all-inclusive extended support.

We believe in making long term partnerships and we show our commitment by financially participating in the business risks all along.

Our abilities to help resolve the industry’s most complex technology matters is distinct. We believe in eloquently delivering strategic solutions and systematic executions by partnering with potential leaders to develop the competitive advantage required to become No 1.

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Facilitating more than 90 Million transactions per year for a leading agri-cooperative bank

In excess of 60 core banking implementation experience globally

Empowering one of the Asia’s largest financial institution manage Rs 33Billion in Islamic Assets

World’s First Shari’a compliant Core Banking Solution, Blockchain enabled

Delivered over 15 large scale integration projects for leading banks in Pakistan

Designed and executed over 25 process digitization engagements across Islamic Banking and Takaful sector

Successfully executed business process management projects for leading financial institutions in UAE

Award-winning Digital Learning solutions for Islamic Financial industry

Designed and delivered numerous end-to-end product development engagements across Islamic Banking and Takaful sector

Expertise in integrating legacy banking solutions including ITS Ethix, Temenos T24, Finnacle and Oracle FlexCube

Delivering outsourced support services with more than 175 FTEs

90M

60+

25+

175+

RS 33B+

1st

15+

Bahrain’s first Digital only banking service

1st

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Domain Expertise

Delivering technology driven solutions to the financial industry for more than 20 years

Partner of choice for the leading regional institutions

Delivered on highly complex, large, data centric initiatives for our demanding world class customers

Financial technology solution architects and doyens

Product development and customer experience veterans

BI and analytics professionals Industry certified consultants Technology integration and

implementation experts Strategic project management

advisors

Leading technologies compatibility

Multi-platform solutions Versatile application

scalabilities Open source technologies Value generating and cost

effective Rapid deployment with rapid

go-to-market offerings

Subject Matter Specialists

Platform Agility

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The impact and concept of digitization is not new, the digital economy is entering a new age that presents extraordinary tests for all organizations. Digital tools are taking over the business environments and industries, inciting a significant change in the way we work, communicate and sell.

Our solutions give an innovative rise to new opportunities for enterprises looking to disrupt the existing norms and act as a catalyst to deliver practical and successful digital transformation agendas.

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Regulatory Compliance

Innovative Solutions

Best Practices Needs Assessment Custom Solutions Implementations

We understand core objective requirements from the institution’s management

We perform need assessment in key identified areas

Range of custom innovative Regulatory compliant solutions are designed and developed

Upon approval of key stakeholders, the selected custom solution is implemented within the organization

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Banks and progressive financial institutions can no longer depend

on legacy applications. Growth, and possibly even survival, depends

upon an agile, flexible, cost centric and effective core banking

solution that delivers an illustrious service experience worth

remembering.`

Chosen by the most progressive

organizations for over 15 years, this next-

generation cutting edge digital banking

solution is tailored to help your

organization achieve its tactical

enterprise objectives.

Comprehensive, integrated, and modular, Digibanc is a complete and comprehensive digital-only banking technology suite which can be

seamlessly deployed to facilitate all your technology and business objectives. With this solution, you can significantly reduce operating costs,

establish deeper customer engagement, and reduce the time to market for upcoming products. Stay ahead of the competition and efficiently

deliver towards demanding compliance mandates while processing complex and greater transaction volumes to meet the ever increasing

customer expectations.

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Business and Corporate Strategies

Product Innovation, Guidelines, Sops And

Manuals

Talent and Workforce Solutions

Business Intelligence and Analytics

Proprietary Enterprise Technology Solutions

Digital Transformation and Customer

Experience

Sales, Service And Distribution Planning

Takaful Advisory And Solutions

Shari’a Governance And Process

Optimization Services

Our Excellence Delivery Proposition Our Islamic Finance practice delivers strategic solutions to the rapidly growing Islamic Financial Industry across the region. We provide end-to-end solutions to manage critical Islamic Finance projects with tailored delivery approach to drive sustainable business growth. Our team with deep Islamic Finance expertise, vast industry footprint and experience of delivering multi-faceted industry assignments enables us to deliver innovative Shari’a compliant solutions while empowering clients to achieve market leadership.

Strategic Alignment: developing long term strategies, technology solutions and operating plans to align key industry and stakeholder objectives. Product Solutions: structuring and design of innovative Shari’a compliant product concepts while enabling collaborative environment across business teams. Shari’a Governance: empowering Islamic financial institutions achieve operational compliance in line with AAOIFI standards and industry best practices.

We design and deliver using a customized approach, treating all customers’ needs and requirements differently. We ensure the solutions are best of the breed and deliver value to stakeholders without compromising on religious beliefs.

Our Capabilities

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RETAIL BANKING

Proprietary digital and core banking

solutions empowering financial

institutions to deliver a world class

customer experience across the value

chain

ASSET MANAGEMENT AND SERVICING

Empower wealth advisors with apps

that provide powerful and real-time

insight into markets and portfolios

so they can deliver superior

customer service.

COMMERCIAL AND BUSINESS BANKING

Provide commercial bankers with a

complete view of customer

investments and deliver valuable

insights to business banking customers

to gain a competitive advantage.

TREASURY AND CAPITAL MARKETS

Use real-time data and transaction

services to thrive in an information-

driven industry where speed,

transparency, and agility are

essential for success.

INSURANCE AND TAKAFUL

Streamline enterprise workflows to

support business efficiencies across

sales, service and administration for

the both general and life insurance

products.

COMPLIANCE AND AUDITING

Increase effectiveness of compliance and

audit teams by enabling them to easily

identify and understand activities and

trends related to audit, regulatory, and

disclosure issues.

RISK MANAGEMENT

Leverage scalable and sophisticated

analytics to effectively manage the

demanding and evolving

requirements associated with

regulatory reporting and internal risk

mitigation.

CUSTOMER RELATIONSHIP MANAGEMENT

Use powerful solutions to understand

how to better serve and engage with

customers, build loyalty, and drive

revenue growth.

Driven by a progressively linked and globalized digital world, where barriers to market entry are rapidly declining, our enterprise applications enable organizations to challenge and triumph some of the most complex business transformation challenges driven by an increasingly connected marketplace. Benchmarking some of the industry’s best, we work with leading technology partners within the space of enterprise grade technologies in addition to our own proprietary offerings.

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Digibanc empowers Financial institutions to offer a complete digital-

only experience that integrates across all distribution channels to

deliver a world class customer experience.

Digibanc is a multi-channel, white-label and complete digital banking

solution enabling enterprise wide digital transformation across the

Financial services sector.

Digibanc is designed on a highly modular, scalable and robust open

technology architecture which delivers superior performance and

enterprise grade security adhering to the stringent and dynamic

regulatory requirements.

Mobile Banking Web Banking Agent Banking Core Banking Middleware Digital Identity Digital Payments

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Market Research Conduct research crucial to the development of the product for maximum impact

Product Structure & Design Designing and structuring of the product and its functionality, schedules, rates and etc

Product SOPs and PPGs Development of the product guidelines and standard operating procedures documents

Take to Market Plan Devising critical strategies and execution plans for unparalleled product success

Product and Policy Training Training the stakeholders on the product and the policy for maximum operating efficiency

Operational Excellence Development of critical business processes and SLAs to ensure efficiency across delivery channels

Managed Services Empowering financial institutions with skilled talent to ensure optimal business operations

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Organizations globally are at a cross roads in terms of making the right decision for the most appropriate investments and building a future-proof technology landscape with the value to follow. They are doing all of this in an environment where flexibilities and intricacies have become a necessity for reliable and strategic operations. Our managed services allow organizations to not only execute key decisions but give them the peace of mind from a service aspect that their critical needs are covered end-to-end.

Resource Management: Fully managed resource provisioning to deliver quality business results across all functional requirements.

Implementation Management: End-to-end project implementation services across all major enterprise application platforms.

Support Solutions: Post implementation services through dedicated onshore and offshore support centers to maintain enterprise applications.

We provide a holistic approach to enable significant competitive advantages through targeted interventions and proactive process management driven by the support from our specialized service consultants and professionals.

What we offer:

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Product: Digibanc Identity, Mobile and Enterprise Middleware Client: Islamic Bank in Bahrain

A traditional Islamic bank wanted to launch a digital-only retail division in GCC and wanted a cost and time effective solution and take first mover advantage. The bank had multiple legacy systems and processes which had to be taken into consideration while implementing a robust solution. A key requirement for the project was to deliver a unique customer experience and deliver in less than 4 months.

Our solution specialists provided the bank with a robust solution to support their digital-only retail operations. Existing processes were reviewed and revamped while the deployed solution was architected to provide the maximum leverage of existing legacy systems. A fully customized mobile banking solution along with enterprise middleware, Digital KYC solution was implemented seamlessly integrating the user experience from remote account opening to full self-service digital banking.

Digibanc Identity Digibanc Mobile Banking Digibanc Enterprise Middleware

Bahrain’s first digital banking platform

Full remote account opening with digital identity

GCC’s first digital banking service with state of art digital Forensics and eKYC

Fast Implementation (3.5 months) to gain time to market advantage

Seamless integration across existing and future channels promoting interoperability

Summary

What we did

Technologies Used

Business Benefits

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Product: Core Banking Client: Private Sector Islamic Bank in Pakistan

A newly established bank was launching a dedicated Islamic Banking Window to cater to the growing demand of Shari’a compliant solutions in the country and was looking for a robust Shari’a compliant core banking solution to support its traditional and future digital footprint development.

Our solution specialists provided the bank with a long term roadmap with complete strategic advisory on deploying a stable and robust solution to support both traditional banking as well as digital banking eco-system. Core Banking was implemented along with critical enterprise middleware solution to seamlessly integrate various self-service products including web-banking and ATM banking.

Core Banking Digibanc Enterprise Middleware

Automated processes for Islamic financing products

Real time online connectivity for over 200 branches

Fully customized and parameterized solution to provide future flexibility

Fast Implementation cycle to gain time to market advantage

Seamless integration across existing and future channels promoting interoperability

Summary

What we did

Technologies Used

Business Benefits

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Product: Web Banking Client: Agriculture and Cooperative Bank in Pakistan

The client has made leaps and bounds while converting its manual ledger based operations into a fully computerized modern banking system. It has recently integrated all its branch network connectivity and ATM networks to offer convenience, however the bank wanted to offer its customers better service delivery channels to save cost and time by ensuring minimum footfall at branches and more self service banking options.

Our solution architects provided the bank with a long term roadmap with complete strategic advisory on deploying multiple self-service banking solutions across its infrastructure. The solution complied with all of the bank’s requirements, primarily strong functionality and the ability to support service delivery across the entire banking and payment eco-system. Digibanc Web Banking module was implemented as part of Phase 1 roll out to test the market and develop a long term self-banking delivery components.

Digibanc Web Banking Digibanc Enterprise Middleware

Open architecture enabled easy and seamless integration to the existing core banking platform and other 3rd party banking systems

Easy Administration Management for in-house control of the system and services

Comprehensive analysis on all customers provide the criteria necessary to utilise cross sell opportunities and provide customers with segmented product offerings, through user behaviour, trends and channel type

Fast Implementation cycle to gain time to market advantage

Seamless integration across existing and future channels promoting interoperability

Summary

What we did

Technologies Used

Business Benefits

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Product: Mobile Banking Middleware Client: Private Sector Bank in Pakistan

A well established bank was expanding its digital services by introducing a mobile banking platform and required a technology consultant to advise and assist in the implementation of their upcoming mobile banking services.

Our expert techno-functional consultants advised the product innovation and business teams on development of critical assets and APIs to enable the internal IT Dev Ops to be fully agile and save on development time. Digibanc Enterprise Middleware for Mobile banking module was customized and implemented along with development of re-usable messaging assets which can be utilized in other applications without any further development downtime and cost.

Digibanc Enterprise Middleware

Significant development cost savings

Re-usable messaging assets

Fully independent of the Mobile operating system

Fast Implementation cycle to gain time to market advantage

Flexibility and scalability for future service additions

Seamless integration across existing and future channels promoting interoperability

Summary

What we did

Technologies Used

Business Benefits

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Our team has executed numerous Retail banking consulting and technology projects for industry market leaders in the MENA region and have the required expertise to deliver quality solutions in line with international standards.

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“Demystifying Digital Financial Services”