Digital Transaction Banking (DTB)

Omnichannel – Interact with and come to love your anytime, any device with a true omnichannel capability

Analytics & persona-based dashboards for instant visibility of your business in real-time.

Onboarding & Deep Grain Entitlements – Real-time customer & supplier onboarding down to a matter of minutes.

Secure Access – Use the latest biometrics, two-factor authentication (2FA), and more, compliant with EBA guidelines and other industry standards.

Balance and Information Reporting – Enhance business decision and increase visibility of funds across multiple accounts.

Account Aggregation – View same day or prior day balances across accounts types, geographies
and currencies.

Multi-Bank Accounts – Consolidate your view and download account statements across bank accounts.

Payment Origination – Initiate payments such as salaries, pensions and standing orders. Receive payments through any channel, from any customer at ‘anytime.

Multiple Types Payment – High value, mass payments, UAEFTS, QATCH, SARIE, SEPA, SWIFT FIN and MX ISO, Fedwire, CHAPS, CHIPS and Target 2.

Managed File Transfer – Bi-directional data transmission (Host-to-Host) with corporate ERP using file translation.

End-to-End Payment Processing – Drive higher STP by setting up workflows adapting to payment processes.

Cross-border Payments – Centralise cross-border end-to-end payment processing.

Physical Sweeps – Algorithmic liquidity at the heart
of corporate cash flow.

Interest Enhancement – Protect revenue and enhance income from fees.

Automated Investment – Optimise liquidity and automate investments.

Inter-company Loans – 3 pillars for corporate treasurers- consolidate, optimise and maximise.

Notional Pooling – Optimise liquidity and reduce interest burden.

Cash and Cheque collections – Paper-based direct debits.

Direct Debit and Mandate Management – Process electronic collections.

Virtual Accounts – Optimise collection process and track receivables.

Save time and money by improving Invoice Management.

From PO creation to collections to invoice reconciliation.

Static and Dynamic Accounts – Customer & add-on virtual accounts. Support for static & dynamic virtual accounts.

Dynamic Virtual Account Validation – Custom & remote validation. Validation via LOV, look-up data, range check, pattern check, and workflows based on validations.

Collections on behalf of group company, hierarchy, division, counter party statement & balance enquiry for virtual accounts linked to hierarchy.

Inter-company cash transfers based on balance availability; real-time sweeps from bottom to top; virtual account interest and funds sharing from top to bottom.

Offer end-to-end processing of all letters of credit to your customer, and boost their international dealings and mitigate risk.

Guarantee – Assurance to counter-parties with a wide range of guarantees and facilitate business continuity to importers in case of delayed documents.

Collection – Offer end-to-end management of documents and payments under collections to your customers.

Secure cross-border trade with effective management of discrepancies and processing of payments under LCs.

Trade Loans – Fund trade transactions with flexible and short-term borrowing facility.

Reimbursements – Effective handling of payment
claims under LC.

Buyer-centric Financing – Improve working capital and provide on-time payments to counterparties by offering credit on buyer’s term.

Supplier-centric Financing – Raise finance on the basis of the supplier-centric receivables relating to one or several buyers, and reduce procurement and receivables management costs.

Invoice Factoring – Boost your cash flow with invoice factoring and support end-to-end collections.

E-invoicing – Fully integrated supplier portal for better process efficiency and reduce operational cost.

Dynamic Discounting – Accelerate payments and provide more flexibility with dynamic discounting to choose how and when to pay suppliers.

Risk Mitigation – Single-stop solution for syndication participation and credit insurance.

SME Collect – Shorten receivables cycle by collection of payments through a range of SME-specific collection solutions.

SME Insta Banking – Enable SMEs with on-the-go mobility, providing quick one-touch payments, instant loans, one-click portfolio view on mobile devices & tablets.

SME Salary & Payroll – Schedule & process salaries globally and seamlessly cater to the needs of  different departments.

SME Portfolio – 360-degree view into real-time
balances of the SME business accounts, deposits, loans, cards and working capital status.

Digital SME Onboarding – Self onboarding tool facilitates onboarding through the bank portal without the need to visit the branch for registration.

Digital SME Lending – Transparent lending for SMEs with quicker verification of loan eligibility, instant processing of loan request (zero collateral process) and loan document central.