Vision
Is to design the perfect experience for each of the users
IC Banking Suite pays as much attention to the retail or corporate client as it does to the bank’s developer or technology team, while boosting the growth of Fintech ecosystems through an open platform, whose only limit is the creativity of its users.
At its outermost layer, our Smart Rings model has a single objective: to establish the appropriate link between the platform and the different actors, and the inner rings provide the different tools, channels and business capabilities necessary to achieve this. All this, supported by our robust technological core that works as the pillar and heart of our suite.
Why are our Rings really Smart?
Because of the balance and flexibility that they allow obtaining hundreds of ready-to-go capabilities, and a great capacity for customization for banks needs. The decision and control still rests with the bank, under a model of “guided creativity”, through our best practices.
IC Banking Suite offers the possibility to innovate and generate unique and differentiated customer experiences, tailored to your business’s size and goals, giving hybrid scenarios with different types of implementations.
Retail Experience
The aim is to offer rich features to the end user, in a modern and intelligent experience, without friction and on any of their devices: PC, cell phone, tablets or wearables. How does this translate into our IC Banking Suite?:
- With a modern web that adapts naturally from a huge 4K monitor to a small mobile, providing the best experience in each case.
- With smart components that create personalized financial views, including recommendations from our predictive engines.
- With informative and transactional chatbots or mobile Apps that adapt to the needs and behavior of users and evolve as they relate to the Bank.
Corporate Experience
For corporate users everything it´s all about efficiency, where pragmatism and ease of use are as relevant as the features themselves. That is why we keep the process of digital sales, approval schemes, payroll or even self-service simple, seeking that each added detail reinforces the idea of practicality.
Developer Experience
The existence of this layer is our way of welcoming developers as core users of our platform. Through it we provide all the necessary tools to create their own experiences. It represents a gateway for innovation, creativity, customization, and everything that each Bank wishes to incorporate.
Fintech Experience
Together we are better. That is why our architecture evolves towards a model of apified openness, which has been built on completely open standards and which, together with our Digital Banking Toolkit, stimulates the emergence of ecosystems and synergies.
Channel Technology
The priority for a bank is to be where the customer is: web, bots, Apps, social networks. This layer is responsible for making that happen, with channel technology ready to implement “out of the box” or providing tools and capabilities to customize and extend them as much as the bank needs – from changing details through configuration to expanding or building their own functionalities.
Digital Bank Engines
All our banking experience is exposed as features of high added value for the business. It is added to Machine Learning models, with solutions for complex banking scenarios in a 4-step process: Learn, Propose, Automate, until it becomes invisible. All of these capabilities are available both from our pipeline technology and via SDKs for easy consumption by developer teams.
Technology Core
Here are the foundations of the platform. Within the technological core, the necessary capabilities are implemented to provide the levels of robustness, scalability, and reliability to the platform: It includes for example adapters to connect with multiple banking cores, caching, auditing or access and security, all capabilities that are independent in modules specific to banking but critical for everything to run smoothly.