🏦

Product Overview - iBaaS

INY Banking-as-a-Service

For small banks, community banks, rural banks and growth-stage financial institutions

Market problem

Why this product matters to smaller banks

Common operating pain points

  • Legacy cores are costly to modernize.
  • Migration from old systems is risky.
  • Channels and branches often run separately.
  • Onboarding still depends on manual work.
  • Product changes take too long.
  • Fee and policy updates are hard to manage.
  • Controls sit across multiple systems.
  • Operational visibility is often limited.

What iBaaS is built to solve

  • Lower modernization cost with one platform.
  • Support faster deployment across SaaS, cloud or on-prem.
  • Simplify migration from legacy systems.
  • Enable modular rollout by product or function.
  • Launch products and fee changes faster.
  • Unify branch, agent and digital journeys.
  • Strengthen control with RBAC, fraud and audit.
  • Improve reporting and transaction visibility.

Overall platform architecture

INY Banking-as-a-Service

Channel layer
Retail Mobile
Customer app
Internet Banking
Web self-service
Agent Banking
Cash and field access
Merchant Portal
Merchant service tools
Corporate Portal
SME and business banking
↓
Integration and orchestration layer
API Gateway
Secure service exposure
Workflow Engine
Journeys and approvals
Notification Services
SMS, email and push
Identity & Access
Authentication and RBAC
↓
Core banking services layer
CIF
Customer master
CASA & Wallet
Accounts and balances
Deposits
FD and TD products
Loans
Retail and SME lending
Payments
Transfers and bill pay
↓
Operations and control layer
Customer 360
Merchant 360
Branch & Ops
Audit & Reporting
↓
External systems and ecosystem
eKYC / AML
Payment Rails
GL / ERP
Cloud / On-Prem

Platform view

Complete banking stack

Channel layer

  • Retail mobile banking
  • Internet banking
  • Agent banking
  • Merchant banking
  • SME internet banking
  • SME mobile banking
  • Branch-assisted service portals

Core banking engine

  • CIF
  • CASA
  • Wallet
  • Fixed and term deposits
  • Unsecured and secured loans
  • Payments and transfers
  • FX-related flows
  • Interest, fees and product configuration

Operations and control

  • Customer 360
  • Merchant 360
  • Agent 360
  • Admin dashboard
  • Risk and compliance
  • Fraud controls
  • Reporting and audit
  • Configuration APIs

Core banking capabilities

Built around real banking products

Deposits and transaction banking

  • Savings accounts
  • Current accounts
  • Wallet products
  • Fixed deposit products
  • Term deposit products
  • Balance enquiry and account details
  • Statements and transaction history
  • Beneficiary management
  • Charges, fees and tax groups
  • Financial activity mapping and account servicing

Credit and lending

  • Personal loans
  • Motor loans
  • Home loans
  • Cultivation loans
  • Livestock loans
  • Mortgage products
  • EWA and SNPL products
  • Working-capital finance
  • Loan repayment and assisted account opening
  • Delinquency buckets and portfolio visibility
  • Support for secured and unsecured lending

Experience layer

Channels for customers, agents and SMEs

Retail banking

  • Account opening
  • Login with OTP controls
  • Dashboard and account view
  • Transfers and bill payments
  • Top-up services
  • Statements and history
  • Profile management
  • Multilingual self-service

Agent and merchant banking

  • Cash-in services
  • Cash-out services
  • Send-money scenarios
  • Assisted onboarding
  • Merchant servicing
  • SNPL products
  • Working-capital products

SME and corporate-lite

  • Current accounts
  • Working-capital loan servicing
  • Transfers
  • Beneficiary management
  • Transaction history
  • User-level security
  • Business customer support

Operational control

Branch and back-office depth

Servicing and operational views

  • Customer 360
  • Merchant 360
  • Agent 360
  • Unified relationship servicing
  • Assisted customer creation
  • Account opening support
  • Onboarding review
  • Transaction viewing
  • Branch cash-in support
  • Operational follow-up tools

Control framework

  • Role-based access control
  • Admin audit
  • Inbox and workflow support
  • Limits management
  • Custom channel controls
  • Fraud list management
  • Onboarding de-duplication
  • Risk-oriented review support
  • Reporting and audit trails
  • Administrative setup for offices, users and parameters

Retail banking

Retail banking feature architecture

Frontend features

  • Retail mobile banking
  • Internet banking
  • Citizen and foreigner onboarding
  • Login and logout
  • Password reset
  • SMS OTP and email OTP
  • Dashboard and account view
  • Balances, statements and history
  • Inter-bank and intra-bank transfers
  • Remittance, bill payment and top-up

Middle-end features

  • CIF orchestration
  • CASA management
  • Wallet management
  • FD and TD products
  • Loan orchestration
  • Beneficiary management
  • Interest calculation
  • Account servicing logic
  • Notifications and personalisation
  • Multilingual support and product rules
  • Transfer, card and biller processing

Back-office features

  • Customer 360
  • Assisted onboarding
  • Account opening support
  • Cash-in support
  • Account and loan views
  • Transaction review
  • PDF export
  • RBAC and admin audit
  • Fraud lists and limits management
  • Reporting
  • Branch and ops portal
  • Exception handling

Merchant banking

Merchant banking feature architecture

Frontend features

  • Merchant-facing portal
  • Digital onboarding
  • Citizen-owned merchant onboarding
  • Authentication access
  • Password reset
  • Self-service features
  • SNPL journeys
  • EWA journeys
  • Working-capital journeys
  • Motor-loan related flows

Middle-end features

  • Merchant profile orchestration
  • Product eligibility logic
  • Onboarding workflow
  • Linked lending logic
  • Underwriting integration support
  • Payment service integration
  • Channel customisation
  • Notifications
  • Lifecycle servicing logic

Back-office features

  • Merchant 360
  • Create workflows
  • Find, view and edit workflows
  • Merchant onboarding applications
  • CDD manual review
  • KYB manual review
  • Admin tools
  • Fraud tools
  • Reporting tools
  • Assisted-service operations portal

Corporate banking

Corporate and SME banking feature architecture

Frontend features

  • SME internet banking
  • SME mobile banking
  • Company onboarding
  • Company login
  • User-level authentication
  • Current account access
  • Working-capital loan view
  • Transfers and beneficiaries
  • Statements and transaction history

Middle-end features

  • Current-account processing
  • Working-capital servicing
  • Transaction orchestration
  • Cross-border transfers
  • Payment and transfer rules
  • User entitlement logic
  • Account controls
  • API-first banking engine
  • Operational workflow integration

Back-office features

  • Ops and branch onboarding tools
  • Account servicing support
  • Support request handling
  • User administration
  • Reporting and audit visibility
  • Control functions
  • Compliance integration
  • Fraud integration
  • Limits and workflow review

Technology and deployment

Cloud-native architecture with deployment choice

Modern engineering

  • Golang microservices
  • API-first architecture
  • Kubernetes readiness
  • High performance
  • Resilience and modular scale

Deployment flexibility

  • SaaS for faster rollout
  • Dedicated cloud for isolation
  • Dedicated cloud for scale
  • On-premise for data residency
  • On-premise for compliance needs

Regional expansion readiness

  • English support
  • Tagalog support
  • Bahasa Indonesia support
  • Regional growth enablement
  • Rural market readiness
  • Easy to add more languages as required

Target fit and ecosystem

Where the product fits best

Rural and thrift banks
Best fit
Community and regional banks
Best fit
Finance companies
Strong fit
Payment companies
Good fit
Large universal banks
Selective fit

Security

Security controls and assurance

Platform security controls

  • Role-based access control
  • Admin audit
  • User management
  • Transaction-level controls
  • Fraud list management
  • Onboarding de-duplication
  • Profile screening
  • OCR and document verification
  • Password authentication
  • OTP-based access controls

Security assurance

  • VAPT reference
  • PA-DSS assessment reference
  • Advanced mobile app security review
  • Support for due diligence reviews
  • API-first architecture
  • Controlled deployment models
  • Operational resilience support
  • Fraud monitoring
  • Branch and back-office visibility

Compliance and integrations

Compliance readiness and ecosystem connectivity

Compliance-oriented capabilities

  • eKYC integration
  • AML integration
  • PEP and sanctions screening support
  • Customer service reporting references
  • Onboarding controls
  • Audit trails
  • Reporting support
  • Customer due-diligence workflows
  • Merchant due-diligence workflows
  • Assisted-service review points
  • SaaS, dedicated cloud and on-prem deployment options

Integration ecosystem

  • Payment rails integration
  • Bill payment aggregator integration
  • Underwriting engine integration
  • Cross-border payment partners
  • Routing partner integration
  • External core coexistence support
  • Finastra Fusion integration option
  • T24 integration option
  • Phased migration support
  • Channel APIs
  • Product APIs
  • Partner-led service model support

Reports and MIS

Reporting framework across operations and compliance

User and customer reports

  • User master report
  • Customer profile report
  • Merchant profile report
  • Agent profile report
  • Business-user and role report
  • Onboarding status report

Transaction reports

  • Daily transaction report
  • Account statement report
  • Transfer report
  • Bill payment report
  • Cash-in and cash-out report
  • Loan repayment report

Audit and control reports

  • User activity audit report
  • Admin action report
  • Limit change report
  • Exception report
  • Fraud alert report
  • Suspicious activity review report

MIS and Operation Reports

  • General Ledger
  • Assets and Liabilities
  • Loans
  • Overdrafts
  • Current and Savings
  • Term Deposits
  • Transaction Analysis
  • Portfolio Targets

Product roadmap

Roadmap priorities

Phase 1 and Phase 2

  • Phase 1: Core modernization
  • Strengthen deposits, lending and payments
  • Improve branch servicing and onboarding
  • Enhance operational reporting for initial launches
  • Phase 2: Channel expansion
  • Broaden SME, merchant and agent capabilities
  • Improve assisted service flows
  • Deepen multilingual retail experiences

Phase 3 and Phase 4

  • Phase 3: Risk and intelligence
  • Add stronger fraud monitoring
  • Expand onboarding intelligence
  • Add underwriting integrations and workflow automation
  • Enhance control dashboards
  • Phase 4: Ecosystem scale
  • Expand payment rails and partner integrations
  • Add cross-border support and advanced compliance outputs
  • Support broader regional rollout

Implementation message

A practical modernization path for local banks

Phase 1

Launch core deposits, onboarding, assisted service and retail channels for fast customer impact.

Phase 2

Expand lending, agent and merchant capabilities, branch workflows, and reporting maturity.

Phase 3

Add ecosystem integrations, advanced automation, multilingual expansion and broader institutional use cases.

🙏

Thank You

INY Banking-as-a-Service

Contact details

  • Company: INY Digital Pte Ltd
  • Product: iBaaS
  • Email: contact@inypay.com
1 / 18