ABS - Automated Banking Core

Automated Banking Core — The Heart of Smartex Money

The Smartex ABS (Automated Banking Core) is the central engine of the Smartex Money platform. Built on enterprise-grade Java EE technology, it provides a comprehensive suite of core banking modules designed to power modern financial institutions — from digital banks to payment service providers and microfinance organizations.

Core Banking Modules

• Account Management — Multi-currency accounts, commissions, service fees, exchange rates
• Bank Accounts — Bank statement tracking, reconciliation, matching
• Currency Rates — Auto-load official & commercial rates
• Loans Issuing — Full loan lifecycle management
• Loan Groups — Group loan responsibility management
• Guarantee Issuing — Guarantee issuance system
• Invoice Issuing — Automated invoicing

Payment Processing

• Payment Management — Internal, SEPA, SWIFT, incoming external payments
• Batch Payments — High-volume batch processing
• Payment Requests — Counterparty payment requests
• Payment Monitoring — Confirmation/rejection system
• Regular Payments — Recurring payment management
• Multi-level Approval — Configurable approval workflows
• Cash-in / Cash-out — Cash flow management

Security & Compliance

• Access Control — Role-based user & admin access
• Security Manager — Web Application Firewall (WAF)
• Sanction Lists — Automated screening with updates
• AML / TF / PEP — Manual & automatic verification with AI-powered KYC/EDD
• Transaction Limits — Amount & frequency controls
• Traces — Complete audit trails & activity logs
• Data Change Alerts — Notification on data modifications

AI-Powered Features

Smartex Money leverages Artificial Intelligence across multiple critical areas:

• AML/KYC Automation — Dynamic verification flows with AI-driven risk assessment
• OSINT Intelligence — Bank-grade client dossier building
• Anomaly Detection — Real-time transaction monitoring
• Fraud Detection — Behavioral & predictive models
• Risk Scoring — Adaptive AI risk models
• Automated Onboarding — Document & identity validation

Cards & POS

• Card Local — Proprietary card generation for POS
• Card External — EMV card gateway integration
• POS — UnifiedPOS for retail terminals
• POSWeb — Tablet-based payment acceptance
• Web POS — Browser-based point of sale
• WebShop — E-commerce integration

Channels & Access

• Web Interface — Full-featured web banking
• Mobile App — Native Android & iOS apps (customizable per project)
• SMS Banking — SMS-based operations
• USSD Banking — Offline mobile banking
• API Connectivity — SOAP & RESTful APIs

Infrastructure Modules

• Admin Management — Super admin & admin control
• System Settings — Configuration & parameters
• Content Management — Multilingual content
• Export-Import — Data exchange (CSV, XML, XLS, ISO-8583)
• Fast Support — Remote diagnostics
• Operator Management — User assistants & delegates

Smartex ABS is built on Java EE enterprise technology, ensuring reliability, scalability, and security for financial institutions of any size — from startups to established banks.