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