Loan Origination, Chatbot for banking (Telegram, Viber, WhatsApp), Unity (middleware), USSD app, Agency Banking
PCES – Loan Origination, a web-based application that manages and automates the entire loan origination process. The application has a modular basis, while highly configurable and scalable to various business requirements. It automates the lending process at all stages; from loan application by the applicant, submission of appropriate documentation, through the lender’s assessment of the application, and finalizing with loan granting. The application facilitates the generation of all supporting documents and contracts regarding the loan origination process.
PCES Chatbot is a self-service model for delivering financial services over social media messaging platforms as well as being used as a communication channel to reach and engage both potential and existing customers with an intuitive user experience. With Chatbots, customers can be reached in a way that is easiest for them, no need to download a mobile banking application of the financial institution or connect to internet banking. Within the same messaging application that they interact with friends and family, they can interact with the bank’s Chatbot.
The PCES UNITY – All-in-one digital suite, provides a modular framework designed to integrate third-party platforms with the core banking system. With a focus on diversity and accessibility, UNITY empowers financial institutions to offer a wide range of services through various channels, ensuring a seamless and comprehensive banking experience for their customers. Middleware serves as the gateway facilitating implementation of UNITY, platform for banks and MFI’s. Building a layer on top of the existing core banking system, the middleware utilizing pre-built connectors easily integrates to the CBS making a bridge between the core banking systems and the (all other modules). Middleware is an extensive collection of modular tools, ranging from communication gateways, to management, security, notification and reporting tools. Following a single integration, all subsequent model rollouts are managed independently on our end, reducing reliance on CBS.
PCES USSD platform offers a revolutionary solution for financial institutions to provide seamless USSD banking services. Clients can check their account balance, view transaction history, transfer funds, pay bills, and top up talk time—all from a simple mobile phone without internet access. USSD (Unstructured Supplementary Service Data) is a technology that telecom providers use to offer interactive, menu-based services like balance inquiries and mobile banking, without needing an internet connection. The PCES USSD platform provides access through various telecom operators without requiring additional app downloads. Users can access services through any mobile network. Our USSD module offers numerous functionalities, including account balance checks, mini statements, fund transfers, bill payments, loan applications, and “bank to wallet” transfers.
PCES USSD uses a unique PIN for security, ensuring safe transactions, data protection, and preventing unauthorized access. The platform is fully integrated with core banking and third-party systems, allowing real-time transaction processing. This means funds are available immediately, making USSD banking an excellent option for managing personal finances.
Agency banking is banking service that allows customers to conduct their banking transactions through third-party agents rather than directly with a bank. Helps to promote financial inclusion. By leveraging the network of agents, banks can reach out to previously underserved segments of the population, such as rural communities and low-income households. This can help to stimulate economic growth and development in these areas. This innovative product has the potential to revolutionize banking, especially in areas where access to traditional banking services is limited.
