Integrated Software Services Limited
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Composable Architecture

Build your bank,
block by block.

Select the modules you need to launch fast and scale effortlessly. A cloud-native core built for the unique challenges of African financial markets.

account_balance_walletCore Module

Real-time General Ledger

The immutable heart of your banking operations. Our GL supports multi-currency, multi-entity hierarchies with real-time balancing, ensuring you are audit-ready at any second.

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    Multi-Currency & FX RevaluationHandle 50+ currencies with automated daily revaluation.
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    IFRS CompliantBuilt-in reporting templates for IFRS 9 standards.
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    Hierarchical Chart of AccountsUnlimited depth for branch, region, and product reporting.
Balance Sheet (Live) Balanced
Assets₦450,230,000.00
Liabilities₦380,100,500.00
Equity₦70,129,500.00
Last posted: 0.02s ago
trending_upLoan Performance
Q3 2024
Disbursed
₦2.4B
Repaid
98.2%
AI
Credit Decision Engine
Analysis complete
Risk ScoreLow (12/100)
Recommended Limit₦5,000,000
credit_cardGrowth Module

Intelligent Loan Lifecycle

Automate origination, servicing, and collections. Our engine uses alternative data for credit scoring, enabling you to lend confidently to the informal sector.

psychology

AI Scoring

Risk assessment using telco data & transaction history.

calendar_month

Flexible Terms

Daily, weekly, or market-day repayment schedules.

gavel

GSI Automated

Auto-recovery from other banks via NIBSS GSI.

token

Collateral

Digital registry for non-traditional assets.

paymentsTransaction Module

Universal Payments & Transfers

Connect your customers to the world. Pre-integrated with major African payment switches for instant local and cross-border settlements.

NIBSS
NIP & NIP Bulk
Instant inter-bank transfers in Nigeria.
Live
public
SWIFT & Cross-Border
International remittance and settlement.
Live
smartphone
Mobile Money Interoperability
M-Pesa, MTN MoMo, and Airtel Money.
Live
bolt
Electricity Bill
AEDC Prepaid
- ₦15,000
Success
send
Transfer to GTB
James Okeke
- ₦50,000
Success
qr_code
QR Payment
Shoprite Mall
- ₦12,400
Success
Processing 1,204 TPS
savingsSavings Dashboard
12,450 Accounts
Total Deposits
₦890M
trending_up+12% MoM
Avg. Balance
₦71,486
Per account
Smart Savings Plan
Target: ₦500,000 by Dec 2024
78%
₦390,000 saved₦110,000 to go
savingsDeposit Module

CASA: Savings & Current Accounts

Empower customers with flexible savings and current account solutions. From goal-based savings to automated sweeps, our CASA module drives deposit growth while maintaining regulatory compliance.

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    Automated Interest CalculationDaily accrual with tiered rates and promotional campaigns.
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    Flexi & Fixed DepositsSupport for locked savings, goal-based accounts, and auto-sweep.
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    Regulatory ComplianceDormancy tracking, KYC alerts, and CBN reporting.
devicesAccess Module

Omnichannel Customer Access

Meet your customers wherever they are. Our unified channel framework ensures consistent experiences across mobile, web, USSD, and agent networks with centralized authentication and session management.

phone_iphone

Mobile Banking

Native iOS & Android apps with push notifications.

language

Internet Banking

Responsive web portal with 2FA and session management.

dialpad

USSD Banking

Feature phone access via shortcode (*737# style).

support_agent

Agent Banking

POS terminals and agent networks for cash-in/out.

phone_iphone
Mobile App
iOS & Android
8.2K
Active users
99.8% UptimeBiometric Auth
language
Internet Banking
Web Portal
3.1K
Active sessions
dialpad
USSD Banking
*737# Code
15.7K
Daily sessions
hubOmnichannel Ready

Ready to mix and match?

Contact our solution architects to design the perfect stack for your financial institution.

Get Started