Next Generation in Banking
Financial Technology for Rural Banks
On Financial Technology for Rural Banks Geniusto's Omni-Channel Banking Platform is a tool created to support Rural and Thrift Banks. This will help them to evolve, penetrate and expand further via the digital channel, towards financial inclusion and education in the rural communities. The application is tailored with a native look and feel, for ease-of-use for the customers, as well as enabling bank staff to conduct business effectively and efficiently.
Digital Transformation Management
Geniusto is able to achieve quick and secure integration, not just with our tools, but also with our methodology. Utilizing an effective and proven digital transformation process used in several European banks, we are able to help banks scale up their business and introduce new revenue streams. Plug-and-play with other bank requirements such as corebanking, providers, and businesses. Dynamic process automation via conditions to speed up decision making. Digitally engaging marketing via big data. Lastly, security utilizing cloud infrastructure compliant with data regulations and the central bank.
HR and Payroll Platform
Built with Real Timekeeping Solution
Our timekeeping device ensures that your data is centralized nationwide. With offline capabilities, you are able to capture timekeeping data for workers at the office or on the go. Workers are able to clock in and out through through Biometric Fingerprint Reader or NFC Scanner.
Integration with Other Platforms
Our platform provides an end-to-end cloud-based payroll management system that helps you to manage unlimited schedules and accommodate leave requests. As a result, you are able to deliver timely and accurate payroll whilst enjoying a smooth and efficient payroll process.
Nurturing Digital Ecosystems
ePera allows for local communities to thrive thru transactions with banks, financial institutions, businesses, and other communities. Microfinance Institutions, for example, are able to distribute loans to local farmers and are able to track and manage risks on money distributed. Local farmers are able to rent assets to other communities utilizing asset ROI.
Powered by Blockchain Technology
ePera is enabled with blockchain technology ensuring that transactions are not tampered with. Points are also earned with every transaction conducted by the users. These points can be used to purchase products/services within the marketplace managed by business partners. Users are able to access different advisors such as banks and insurance. These as a result, create the Social Selling Ecosystem.
Loans Management Platform
Process Automation in its Purest Form
Our servicing software system includes predictive triggers that alert you about potential bad debt, allowing you to control losses by fine tuning pricing or even closing an account. Plus there’s the added benefit of consolidated data across all your customers’ loan products, which allows you to identify up-sell and cross sell opportunities. And your marketing team can profile your best customers to improve on future marketing efforts. Our advanced profiling combined with consolidated reporting makes it easier to quantify and then optimize customer lifetime value.
Integration with Other Platforms
The Loans Management Platform allows for integration with our Omni-Channel and Social Banking Platforms to fully take advantage of other digital streams. Alternatively, we are able to integrate with your system and applications via APIs. This way your customers are able to request for loans using their preferred mediums. For Micro-finance institutions, rural communities will be able to utilize offline capabilities which will allow for staff to enable loan origination process without prior access to the internet.