Our Rubikon banking solution offers greater operational efficiency, high performance, agility and exceptional customer service across all channels Rubikon’s scalable framework facilitates rapid incremental deployment; as a complete universal banking system or a series of modular applications services to cater to your business’s specific needs Rubikon can be deployed across different regions, supporting multi-currency, multiple languages, and reporting capabilities within the same environment

The modular ability of Rubikon has enabled us to launch Orbit-R, a solution dedicated to the microfinance sector Developed to support larger MFIs, it offers a comprehensive range of microfinance functionality and support Since 2008, Neptune has been awarded the highest available rating – 4 Stars – by CGAP (an organisation housed at the World Bank) This rating is not only based on functional coverage of the applications but also customer feedback in terms of projects being delivered on time and within budget and overall satisfaction *Rubikon is a comprehensive back-to-front office suite with integrated workflow enabling CRM and Business Intelligence integration and running real-time and offering banking services anytime, anywhere. It addresses all the core needs of banks and financial institutions and manages the constant challenges they are facing. Rubikon has a scalable and modular architecture that helps you to respond and .

Solutions Shaped by Technology

Rubikon provides a flexible framework supporting credit applications, retail and corporate lending, including loan origination, loan set-up, repayments scheduling and rescheduling, disbursement, lifecycle and penalty processing, delinquency and past due management, identifying non-performing assets, provisioning, customer and group limits monitoring, group lending, insurance and collateral management and reporting All processing can be enabled and monitored through workflow and the externalized rules engine

Rubikon is a comprehensive back to front office suite with integrated workflow enabling CRM and business intelligence integration to run real-time, offering banking services anytime, anywhere Rubikon has a scalable and modular architecture that helps you to respond quickly and easily to the rapid changes and new demands of regulatory authorities and customers Rubikon’s workflow management is integral to all its modules and provides complete and automated operation control Its externalised rules engine provides banks with controls and the flexibility to change the operating rules without recourse to the software vendor

• Integrated Workflow • Integrated CRM • Business Intelligence • 24×7 Banking • Integrated Delivery Channels • Flexible Product Definition Rubikon’s Digital Banking is a suite of integrated products that enable financial institutions to provide banking services via electronic channels, including ATM/POS, internet, mobile and SMS, and offers customers secure access to banking services anywhere at any time

• On the go banking • Advanced KYC • Branch Virtualisation • Time Optimization Orbit-R microfinance solution offers business functionality, agile technology and low cost of ownership Configured for the specific requirements of MFI’s Orbit-R’s sophisticated products and services offers a wide range of customer categories cost-effectively Microfinance institutions can quickly implement Orbit-R and then enable more modules and capabilities to build out their business over time

• Integrated workflow • Integrated CRM functionality • 24X7 Non-Stop Banking • End of Day Batch Processing Elimination • Integrated Delivery Channels • Regulatory Compliance Feature • Future Proof Feature Rubikon Treasury is a web-based service-oriented treasury, securities & derivatives solution This solution is fully optimised with comprehensive STP front-to-back office capabilities, cross-product processing and a wide range of financial instruments It can process simple and complex derivatives, fixed income, and equity and treasury trades in an integrated system Rubikon Treasury system encompasses all characteristics of a bank’s treasury operations, including FX & MM- from deal capture and confirmation, settlements and accounting

• Mitigate Risk • Reduce Cost • Improved Turnaround Time