Functional Coverage

Please note that we can also build custom packages

Client Management
 
 
 
 
Clear client management interface
F
F
Individual/company profile registration
F
F
Customised information fields for client profile KYC
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
Coming soon!
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
Coming soon!
Delinquency actions tracking
Coming soon!
Automated warning letters
Coming soon!
Savings Management
 
 
 
 
Cash deposits & withdrawals
Coming soon!
Mandatory savings
Coming soon!
Current accounts
Coming soon!
Savings accounts
Coming soon!
Term deposits
Coming soon!
Transfers between accounts
Coming soon!
Teller Management
 
 
 
 
Vault/Teller transfer
Transfers between sellers to and from Head Teller
Management of notes denominations
Accounting
 
 
 
 
Customisable chart of accounts
F
F
Operational accounting
F
Coming soon!
Non operational accounting
Coming soon!
Loan provisioning
F
Coming soon!
Loan write-off
Coming soon!
Fixed Assets registration and amortisation
Coming soon!
Suppliers registration
Coming soon!
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 paswords
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 available for institutions having a portfolio not exceeding 1,000 clients or 100,000 USD (or local currency equivalent). We are not able to provide free hosting for larger institutions.
Please approach us and let us know your requirements. We are always striving to make our system affordable for all.