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Proven Banking Solution
Silverlake has a full complement of banking solutions that has been built, proven and matured over 30 years of experience and R&D. Inherent in the host system is the modular and parameterised design allowing the solution to be configured and deployed rapidly, and powered fully by a java front end, driven by APIs functionality. The end-to-end platform covers all digital banking needs from deposits, lending current accounts at the host with a real-time online mobility interface.
Deposit
Core solution supports all type of deposit including current/saving accounts, recurring deposits and fixed deposit. The engine caters for product customisation needs from interest calculation, fee management and on-line real-time transaction and transfers. Supports mobility includes virtual debit cards, credit cards and eWallets.
Loans
The loans solutions support the range of loans products both secured and unsecured lending. Covers the end-to-end need from loan origination, servicing, alerts and collections. Clients can easily create products for mortgage, hire purchase, personnel lending, business loans and the rest.
Cards
Silverlake’s all-in-one intelligent payment solution enabling financial institutions to offer comprehensive payment related products and services. These include credit, corporate, unsecured, prepaid, proprietary, purchasing, distribution card products. We support both acquiring and issuing management, and interact with the major card network providers such as Visa and Mastercard.
Mobility
Our mobility offering provides an online real-time intuitive customer experience with efficiency from onboarding, to transaction processing and managing accounts. We work with partners to support eKYC and payment processing, and we have also integrated personal finance management and analytics to complete the customer life-style event journey.
Loyalty Management
Silverlake has a highly flexible Reward and or Loyalty module. Speed-to-market configurable loyalty programs to promote, build and instill brand loyalty by awarding points and / or cash base rewards via transactional and / or lifestyle events. Key features include multiple loyalty programs setup, parameter based point earning and point redemption mechanism and item catalogue and inventory controls.
Fraud Management
A rules-based Fraud Detection Module capable of risk detection, escalation and mitigating fraud and or financial losses. The configurable fraud rules can be executed upon current or historical data analysis by the risk practitioners and migrated online real-time.
Contextual Recommender
The Contextual Recommender is a real time model that is deployed in production. With the use of AI it provides more targeted and relevant recommendations using various data inputs adapting them to a specific contextual situation of the consumer. For example modelling customer spending behaviour and pushing promotions targeted to that customer’s interests.
Personal Financial Management
Lifestyle management is a key feature offered through our mobility offering to facilitate customers manage their financial savings, spending and investments. Has an easy-to-read graphical financial position dashboard displaying such as saving goals, budgets and reminder alerts.
Merchant Management
Our merchant management supports end-to-end merchant management process which include merchant on-boarding, terminal set-up, ongoing merchant support, MDR and merchant termination. Function is via web access format with authorisation level by roles as defined by the client, and also supports hierarchical setup to manage different types and sizes of merchants.
Islamic Banking
Apart from conventional banking, Silverlake is recognized by the banking industry here in Malaysia and elsewhere around the globe, and has been awarded Global Islamic Finance Award for sustainable Islamic compliant banking solutions year-on-year. Our dedicated expertise has in-depth experience in sharia-compliant finance is banking or financing activity that complies with sharia and its practical application through the development of Islamic economics.