Functional Coverage

Please note that we can also build custom packages

Client Management
 
 
 
 
Clear client management interface
F
F
Customised information fields
F
F
Client signature & picture management
F
F
Account opening & closing
F
F
Client signature & picture management
F
F
Client mapping
F
F
Biometric identification
Loan Origination
 
 
 
 
Multi-channel loan application registration
Collateral and guarantor registration
Automated decision engine based on collected data and external data sources
Customized approval workflow via predefined rules
Digitization of Credit Committee
Integrated task management
Loan Management
 
 
 
 
Collateral and guarantor registration and tracking
F
F
Term loan products
F
F
Credit lines
F
Loan schedule generation
F
F
Loan disbursement
F
F
Automatic interest and penalty accrual
F
F
Loan repayment
F
F
Loan rescheduling
F
F
Automated printout of loan agreements
Disbursement & repayment receipts
Batch repayment
Loan monitoring
Coming soon!
Early partial repayments
Early total repayments
Delinquency Management
 
 
 
 
Client flagging
Delinquency actions tracking
Automatic warning letters
Savings Management
 
 
 
 
Cash deposits & withdrawals
F
Mandatory savings
F
Current accounts
F
Savings accounts
F
Term deposits
F
Transfers between accounts
Teller Management
 
 
 
 
Vault/Teller transfer
Transfers between sellers to and from Head Teller
Management of notes denominations
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Customisable chart of accounts
F
F
Operational accounting
F
F
Non operational accounting
F
Loan provisioning
F
F
Loan write-off
F
Fixed Assets registration and amortisation
Suppliers registration
Analytics & Reporting
 
 
 
 
Essential reports
F
F
Bonus & incentive calculation reports
Key Performance Indicators
Export data to Excel and Word
F
F
Business intelligence tools
Security & Backup
 
 
 
 
User roles management
F
F
Encrypted user passwords
F
F
Maker/Checker concept
Audit trail
F
F
Data backup by user
F
Cloud-based back-up system
Secure off-site data replication
Connectivity
 
 
 
 
SMS/Email notifications for employees and clients
POS/ATM Integration
Credit Bureau Synchronisation
Anti-money laundering blacklist checks*
Synchronisation with mobile money platforms*
General Features
 
 
 
 
Multi-branch
F
F
Multi-currency
F
F
End-of-day process
F
Document tracking
 
 
 
 
 
1. For OpenCBS Desktop free features are available without any limitation.
2. For OpenCBS Cloud, free features are available for institutions having a portfolio not exceeding 1,000 clients or 100,000 USD (or local currency equivalent, whatever threshold is lower). We are not able to provide free hosting for larger institutions. Data may be hosted outside the country of operation of the institution. Please check local regulations and contact us in case in-country hosting is required.
Please approach us and let us know your requirements. We are always striving to make our system affordable for all.