Smartex Money Products
10 integrated modules covering every layer of modern FinTech — from core banking to AI-driven decisioning and encrypted data storage.
A Complete FinTech Stack
Smartex Money is not a single product — it is an integrated ecosystem of 10 core modules and 40+ supporting components. Each module is production-ready on its own, but together they form a unified platform that eliminates the integration burden of assembling best-of-breed point solutions.
Every module shares the same security model (Smartex SSO), data layer (Cryptex DB), workflow engine (Flow Modeler), and reporting infrastructure (Report Server). This means changes propagate consistently, audit trails span the full stack, and your teams work with a single administrative interface.
Platform Modules
ABS Core
The Automated Banking Core is the central ledger and transaction processing engine. Multi-currency accounts, transfers, fees, exchange rates, bank statements, and reconciliation — all in one enterprise-grade Java EE platform.
Learn more →Mobile App
Native Android and iOS applications, fully branded for your business. Transfers, payments, QR codes, biometric login, push notifications, and multi-language support. Published to Google Play and App Store under your developer account.
Learn more →Loan Farm
Complete loan lifecycle management: origination, scoring, disbursement, repayment scheduling, collections, and NPL handling. Configurable scoring models, collateral tracking, and automated dunning workflows.
Learn more →Report Server
Advanced reporting and analytics dashboard with drag-and-drop report builder, scheduled exports, and real-time KPI widgets. Regulatory reporting templates for 30+ jurisdictions out of the box.
Learn more →Flow Modeler
Visual no-code workflow builder for business processes. Design approval chains, KYC flows, payment routing, and notification rules without writing code. Connects to all external systems via REST and SOAP adapters.
Learn more →On-Board CRM
Customer onboarding and KYC management. Document upload, identity verification, PEP screening, sanctions checks, and risk scoring. Reduces onboarding time from days to minutes.
Learn more →Cryptex DB
Encrypted database with virtual HSM. Field-level encryption for sensitive data (card numbers, PII, credentials). Keys never leave the HSM boundary. Compliance with PCI DSS and GDPR data-at-rest requirements.
Learn more →ADS Engine
AI-driven decision automation. Fraud detection, credit scoring, transaction monitoring, and behavioural analytics. Real-time scoring of transactions with sub-100ms latency. Custom model training via ML pipelines.
Learn more →Smartex SSO
Single sign-on and identity federation for all platform modules and third-party systems. SAML 2.0, OAuth 2.0, OpenID Connect, MFA, RBAC, and audit logging built on WSO2 Identity Server.
Learn more →Compliance Guard
Continuous compliance monitoring. AML transaction screening, sanctions list updates, suspicious activity report generation, and regulator-ready audit trails. Covers FATF, EU AMLD, and local AML frameworks.
Learn more →How Modules Work Together
Shared Security Layer
Smartex SSO authenticates staff across all modules. Cryptex DB encrypts sensitive data at rest. Every API call passes through the same authorisation gateway, and every action is logged to a unified audit trail.
Workflow-Driven Integration
Flow Modeler orchestrates processes across modules. A KYC check in On-Board CRM can trigger a credit score in ADS Engine, create a loan in Loan Farm, and send a notification via Mobile App — all without custom code.
Unified Reporting
Report Server pulls data from every module into a single analytics layer. Build dashboards that combine banking KPIs, loan portfolio health, compliance metrics, and customer onboarding funnels.
External Connectivity
Flow Modeler's REST and SOAP adapters connect the entire platform to SWIFT, SEPA, card networks, KYC providers, and government systems. Add a new integration in hours, not weeks.
Explore the Full Platform
Each module page includes technical specifications, API documentation, and deployment guidance. Start with ABS Core for the banking foundation, or explore any module that fits your immediate needs.
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