PLATFORM ARCHITECTURE
A Modular Platform on Shared Foundations
Adopt individual Bank-I products or connect multiple pillars within a common platform architecture, supported by shared integration, governance and operational foundations.
SERVICES
SYSTEMS
CLEAR PRODUCT RESPONSIBILITIES
Each Pillar Has a ClearResponsibility
The four products address different parts of the credit lifecycle while sharing information when deployed together.
LOS - Loan Origination System
Manages the Lending Journey
Customer and borrower information, applications, assessments, approvals, conditions, documentation, disbursement and post-approval processes.
CDE - Credit Decision Engine
Governs Credit Decisioning
Institution-configured policy rules, criteria, scorecards, decision trees, matrices, strategies and explainable decision outcomes.
BSA - Bank Statement Analyzer
Analyses Observed Cash Behaviour
Bank statements, account activity, cash flow, income consistency, transaction patterns, obligations, counterparties and risk indicators.
FSA - Financial Statement Analyzer
Analyses Reported Financial Performance
Financial statements, multi-period performance, profitability, liquidity, leverage, working capital, coverage and financial trends.
CONNECTED CREDIT LIFECYCLE
One Connected Credit Journey
Connect application intake, financial analysis, credit assessment and decisioning through a coordinated lending journey. BSA and FSA provide financial intelligence, CDE evaluates applicable credit policies, and decision outcomes return to LOS for the next workflow action.
FINANCIAL INTELLIGENCE
Bank Statements and Financial Statements, Read Together.
BSA and FSA each deliver deep analysis independently. Together, they compare reported financial performance with observed banking behaviour to identify inconsistencies and areas requiring deeper credit review.
Observed Financial
Behaviour
Financial Consistency Intelligence
Compare reported financial performance with observed banking behaviour to identify consistencies, discrepancies, unusual patterns and areas requiring further credit review.
Outputs are presented as indicators for review. Credit judgement remains with the institution.
Reported Financial
Performance
DECISION INTELLIGENCE
Governed Decisions From Multiple Signals
Bring application information, financial analysis and external data into a configurable decision framework. Apply institution-defined credit policies, scorecards and decision rules to generate explainable outcomes for review and subsequent processing.
Multiple Intelligence Sources
Institution Decision Framework
Decision Support
INSTITUTION-CONTROLLED
Configured by Your Institution.Governed by Your Policies.
Bank-I is designed to support institution-controlled configuration, governance and traceability across credit operations.
Configuration
Configure relevant workflows, rules, thresholds and analytical frameworks.
Maker-Checker
Support controlled review and approval processes for governed configuration.
Versioning
Maintain governed versions as policies and configurations evolve.
Audit Trail
Maintain traceability across relevant configuration and operational activity.
Role-Based Access
Control access and responsibilities according to institutional roles.
Exception Management
Route exceptions and referrals into controlled review workflows where configured.
Integration Control
Determine how Bank-I exchanges information with existing systems.
Policy Governance
Keep institutional policy ownership and approval authority within the institution.
MODULAR ADOPTION
Value at Every Level of Adoption
Start with the capability your institution needs and connect additional Bank-I products when the business case requires them.
DEPLOYMENT OPTIONS
Deployed Where Your InstitutionNeeds It
Bank-I supports deployment approaches designed around institutional technology, security and operating requirements.
Bank On-Premise
Deploy within the institution's own infrastructure and technology environment.
• Institution-controlled infrastructure
• Internal security controls
• Existing enterprise integrations
Private / Customer-Controlled Environment
Deploy within an approved private or customer-controlled environment.
• Controlled hosting environment
• Institution-defined architecture
• Configurable integration model
Managed Hosting Option
Managed hosting can be provided where appropriate to the institution's requirements.
• Managed infrastructure option
• Agreed operating model
• Subject to project requirements
API & INTEGRATION
Connected Through Secure, Configurable APIs.
Exchange application data, financial insights, decision results and workflow updates between Bank-I products and external banking systems through supported integration interfaces.
Credit Bureau
eKYC
Core Banking
CRM
Document Sources
Webhooks & Events
BANK-I
See the Bank-I Platform in Action.
Explore how Bank-I can support your institution as individual products or as a connected credit technology platform.