That is how you benefit with
BANCOS Core Banking
Fast integration
Adaptable architecture with many off-the-shelf functionalities for loans and deposits
Acceleration of processes
Extensive API platform for connecting individual services and partners in the digital ecosystem
Regulatory safety
Strict compliance with European—especially German—regulatory standards
Single supplier for development and operations
Flexible solutions and service levels with the option of on-premise or cloud operations
Grows with your business
Performant and scalable to support a growth-oriented business development
High digital sovereignty
Software developed entirely in Germany by BANCOS, an independently owned European provider
With BANCOS Core Banking, you get a comprehensive banking solution tailored to your business model and service portfolio.
Fast integration into existing IT systems with high interoperability
One of the particular strengths of our core banking system lies in its high degree of customization with regard to customer-specific processes and requirements in lending and deposit business. Further customization options are enabled by an integrated workflow engine and our solutions for digital application processes.
Openness and exchange with partners and service providers is essential for today’s digital banking ecosystem – whether for opening up new sales channels or for process automation. The API platform of BANCOS Core Banking offers you the best prerequisites for this with numerous established interfaces.
The BANCOS Core Banking system approach with exemplary functionalities
The international financial services provider Hoist Finance was planning to introduce a core banking solution specifically for its German business. A key challenge was the very ambitious timeline for planning, implementation of individual requirements and implementation in the customer’s data center.
High digital sovereignty for European banks
Geopolitical and data strategy factors are key drivers for banks to increasingly prioritize digital sovereignty when selecting technology partners. BANCOS Core Banking already addresses this in a variety of ways:
- Software development conducted exclusively at our Berlin location
- Open API-based architecture and use of open-source components
- BANCOS AG is an independently and wholly European owned company
- Flexible operations with leading cloud providers
Regulatory safety for the German market
- Reporting to central banks and supervisory authorities via the proven “BAIS” solution from msg for banking (separate service)
- Native in-house development for payment transaction statistics
- Integrated data management for tax reporting requirements and accounting
- Data delivery to account record centers (§ 24c KWG) for providers T-Systems, Bank-Verlag, Atruvia
Long-term, reliable operations with comprehensive services
- Close and solution-oriented cooperation with dedicated contacts and responsible staff members
- Fast, customer-specific release cycles
- Continuous software optimization
- Implementation of regulatory requirements
- Optional data-driven real-time monitoring via Kibana dashboards
Use cases for
BANCOS Core Banking
BANCOS Core Banking is used by our customers for the following application scenarios, among others:
- Management of deferred and advance installment loans for end customers in high-volume business, including automatic installment collection, dunning and regular loan revaluation
- Management of checking, call money and fixed-term deposit accounts for end customers in high-volume business, including payment transaction processing, account statement generation, connection to online banking
- Management of overdraft facilities
- Use as backend banking system without own customer frontend for a fintech banking platform, fully connected via banking APIs
Schedule your personal consultation
Discuss your situation with us, as well as the application possibilities, features, and technical details of our software—we would be glad to provide a personalized demo.