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.