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.