Powerful features for exceptional digital banking experience


Our feature-rich platform empowers your neobank to give customers a digital banking experience they would come to love.




Designed for your bank


Omnichannel Banking

Create a unified experience with Spotbanc's omnichannel system. Data synchronized across all channels lets your clients enjoy the same banking experience via web or mobile app. Great for boosting customer retention rate. Onboarding is simplified and painless. The onboarding process is segregated between individuals and corporate bodies to ease client profiling.

  • Simplified and easy onboarding.
  • Synchronised access and data channels.
  • Simple dashboard information display.
  • Easily retrieve transactions carried with internal or external bodies.

Multi-Administration

Our system supports multiple administrator accounts, with different functions and authorisation levels. Assign roles and duties to managers and employees with different access levels ensuring maker-checker. Manage assigned roles and access and review managers’ performance.

Customers can be categorised into different profile groups, allowing multiple schedules for different client types.

  • 5 authorisation levels.
  • Maker-checker principle.
  • Review overall performance of administrative staffs

Portfolio Analysis

SpotBanc is enriched with powerful insights and a simple display of meaningful information per client. The platform is an integrated modular solution that helps you manage the complexity of your premium clients’ funds and transactions, both locally and internationally.

Advanced customer profiling feature enables your relationship managers to monitor instantly, document, analyse and eventually report corporate clients information as required.

  • 360 degrees client portfolio view
  • Advanced customer profiling to aid personalized servicing
  • Tool for cash flow forecasting and asset monitoring
  • Technical analysis to aid advisory meetings

Powerful Accounting and Analytics

A complete financial engine for monitoring real-time transactions, instant account settlement and reconciliation, auditing, interest rates, and financial statements. Get valuable analytical insights into business and marketing data such as clients profiles, conversion rate, company’s turnover, and more with our in-built analytics tool.

  • Transaction reports (detailed and summary).
  • Turnover reports.
  • Account reconciliation.
  • Account statements per client.
  • Financial statements for audits and tax authorities.
  • Marketing metrics (detailed and summary).

AML/Compliance

Smart risk-management tool for ensuring your business remains compliant. Monitoring clients' financial operations to prevent fraud, money laundering, illicit trading, tax evasion, terrorism financing and any activity that might damage your business. Easily set up country-specific compliance rules.

  • Set-up Transaction AML rules and auto eKYC checks
  • Set-up Workflow (Both compliance pass/failure)
  • Fraud detection & Analyser (Identity theft, Structuring, Duplication document check)
  • Global and country-specific KYC/AML rules
  • Suspicious Transaction reporting
  • Global sanction screening
  • Watch List Support (Blacklist/Whitelist)
  • View customer KYC and AML reports

Multiple Currencies and Accounts

Spotbanc enables your clients to create as many accounts and sub-accounts on your platform as they need. They work with as many currencies per account as you support and make available.

Clients may transfer value between their own accounts and make payments to others directly, taking advantage of foreign exchange and cross border payments functionality. Auto-sweep account feature allows clients to automate transfers of balances in different accounts into one account at their preferred set time.

  • Supports over 150 currencies.
  • Multiple currencies avail users full FX advantages.
  • Sub-accounts are sorted for convenience.
  • Auto-sweep account feature.

Mult-Tenancy

SpotBanc multi-tenancy enables several clients to operate on the same server. Data management, user interfaces, rights, and functional customizing are client-specific. The system offers configuration and presentation of the financial software that meets the requirements of each client without requiring granting mutual insight into a client's data from other clients.

Clients can be assigned to a central office, which has general access to all clients.

System Security

Prevent unauthorized access to tools and database using top-notch security technologies. On the admin end, you can flexibly distribute access rights to managers and employees to restrict out-of-scope access to information. The system checks logins from unknown IP addresses and monitors server logs data.

  • Secured hosting
  • IP whitelisting
  • Access alert
  • Transaction alerts
  • Fraud detection analyser

Interest Rate Management

The platform enables you to set up earnable interest rates and commissions for clients depending on the amount clients hold in their accounts. Great for encouraging clients to increase deposits or balance holdings with your platform, or for rewarding outstandingly performing clients.

  • Set interest percentages and terms
  • Set duration of rates

Web and Mobile application

Spotbanc ensures your application is accessible through the web via any browser. The system also provides a custom-made mobile app (iOS and Android) for clients to perform all transactional and operational activities. The client enjoys your full services through any channel accessed based on our omnichannel banking system. Easily customize your web or mobile app interfaces to achieve your preferred look and feel.

  • Internet banking capabilities
  • iOS and Android
  • Perform transactions
  • Manage accounts and balances
  • Communicate with clients via inbuilt support system
  • No need to integrate external customer support software

Scheduled and Recurring Payments

Clients can easily schedule payments for executions at a later date and time or automate recurring payments. Our system allows adjustments of scheduled payments before due dates. Clients can arrange staff payroll, incentives, and bonuses, pay suppliers and distribute commissions

  • Schedules payments
  • Automate recurring payments
  • Manage payrolls, entitlements and incentives
  • Manage payments to external persons or organisations

Comprehensive Support System

Enjoy 24/7 customer support from our team of experts spread across different countries. We are always available to attend to your requests at all times of the day, irrespective of your location. Get unrestricted access to explainer videos and blog posts on platform functionalities and industry insights from our content team.

Customer Relationship Management (CRM)

A unique administrative tool to enable you to manage clients better. View top performing clients’ reports, provide support for microloan and set-up fees per client. Inbuilt communication tools allow your support team to communicate with your clients. Notify clients about their accounts and transactions, communicating new updates, products or services. This saves you the cost of integrating additional customer support software.

  • SMS notifications Template
  • Email notifications Template
  • Bulk SMS
  • Top-performing reports
  • Customers Wallet Management
  • View customer transaction history
  • Request information from customers via Email & SMS notification
  • Address Verification Support
  • Add Beneficiary/Sender to a watch list (black/white list/watch list)
  • View customer-uploaded document
  • Electronic and Manual ID verification

Branding

Spotbanc gives you the flexibility to customize your application, applying your preferred brand colour, logo, font type and size and background image. Complete freedom to achieve your branded look in no time. Easily modify or change your product branding at any time.


  • Background image upload
  • Color settings
  • Font Settings
  • Logo Upload
  • Custom Login Page

Concise API

Spotbanc is rich with a complete suite of RESTful APIs to easily connect with your internal business processes or any third-party services, build amazing capabilities and automate processes. Complete flexibility to customize anything on your platform while resting on our APIs.

  • Webhooks are sent to the payment providers or merchants when certain API functions are executed
  • Accounting systems
  • Payment hub
  • Integrate with partner banks

Agility and Scalability

Being the most flexible and agile online banking system, Spotbanc is highly scalable and future-proof. Our robust, open architecture provides for innovation and seamless feature updates. Together we can create whatever functionality your business may need now and in the future.

  • Increase operational capacity anytime
  • Seamless
  • Font Settings
  • Logo Upload
  • Custom Login Page.

Want to learn more?



Schedule a call and let our experts answer your questions regarding SpotBanc capabilities. There’s so much more inside.