Bank Core Solutions
Our core bank solutions
Microfinance
Spire AI Microfinance is the leading solution for microfinance institutions, supporting the operations of the most important institutions in Latin America. This has enabled the incorporation of the best processes and practices in the sector.
What does this solution include?
Microcredits
Using Bantotal's exclusive Scoring system and a Workflow that allows you to define policies.
Flexibility and Agility
Defining new products through a highly configurable solution.
Management
Monitoring delinquency and assessing the client's economic activity.
Our core bank solutions
Foreign Trade
Spire AI Foreign Trade is the solution that enables financial institutions to develop the business of Letters of Credit, Guarantees, Collections, Transfers, and International Checks.
What does this solution include?
Business Visibility
Using the exclusive Spire AI Scoring system and a Workflow that allows policy definition and provides detailed information.
Business Visibility
Meeting international trade standards and regulations such as Swift, UCP 600, URR 725, CCI 522, URDG 758, among others.
Time and Cost Savings
Through a solution that incorporates business knowledge and is based on BPMN 2.0 standards.
Our core bank solutions
Treasury
Spire AI Treasury enables financial institutions to offer their clients a global view of their portfolio through a scalable system in terms of product variety and business volume.
What does this solution include?
Portfolio Management
Classifying by risk category, updating valuation, setting limits, and defining roles, among others.
Business Visibility
Setting up limit-exceeding alerts, identifying the investments made by the client in custodians, and understanding their position.
Business Development
Authorizing exceptions online, generating differential commissions, bonuses, and fee reductions.
Our core bank solutions
Investment Funds
Spire AI Investment Funds is the solution that enables financial institutions to offer their clients access to a diversified portfolio with a reduced amount of money, seeking to provide liquidity, security, and profitability for their savings.
What does this solution include?
Valuations and Calculations
Processing asset valuation and calculating commissions, fees, and profitability, among others.
Accounting
Managing online accounting for the administrator and each fund.
Management
Handling deposits, quota transfers, and all types of investments.
Our core bank solutions
Regulatory Reports
This is the solution that ensures the Financial Institution complies with the regulations of the country in which it operates, as well as the Foreign Account Tax Compliance Act (FATCA) and the International Financial Reporting Standards (IFRS).
What does this solution include?
Lower Time-to-Market
Reducing implementation times through pre-built reports in all required formats.
Security
Featuring a data validation system that provides a high level of security, accuracy, and reliability.
Guaranteed Updates
Ensuring that all regulatory changes arising after implementation will be incorporated into the system.
Our core bank solutions
Cash Management
Spire AI Cash Management enables financial institutions to offer their clients payment services, collections, and transfers, generating time and cost savings.
What does this solution include?
Agreements
Developing business agreements, configuring operational conditions, channels, information exchange mechanisms, pricing, and deadlines.
Management
Managing the entire lifecycle of agreed financial operations, modeling and administering business rules and payment and collection services.
Monetization
Generating business opportunities with affiliated third parties and multiple monetization methods, leveraging extensive connectivity with external channels.
Our core bank solutions
Banking as a Service
Spire AI Banking as a Service (BaaS) is the service that enables banks to offer their infrastructure and services so that Fintechs can provide banking products without needing a banking license.
What does this solution include?
New Business
Opportunity to generate new revenue streams, expanding the customer base through a collaborative approach with Fintechs.
Modularity
Enables the institution to offer the banking product it defines to meet the needs of Fintechs and their clients.
Integrability
An API that allows the integration of banking functionality into the solution offered by the Fintech, providing observability over its usage.
Our core bank solutions
Embedded Finance
Spire AI Embedded Finance is the solution that enables financial institutions to integrate banking products into people's daily lives through collaborative agreements with non-financial organizations.
What does this solution include?
Business Development
Offering the financial solution at the exact moment and place the client needs it, across multiple industries.
Partner Management
Defining partners, products, and API services for each case while maintaining visibility into business development.
Customer Experience
Meeting customers' specific needs simply and quickly, eliminating friction.
Our core bank solutions
SPay
SPay is a payment solution certified in multiple markets, enabling instant interbank transfers through various channels while adhering to current regulations and standards.
What does this solution include?
Business Development
Defining business agreements and processing both international and local payments.
Process Optimization
Managing the entire lifecycle of payment processing.
Multiple Channels
Including mobile banking, online banking, e-wallets, and third-party applications.
Our core bank solutions
SPeople
SPeople is a group of passionate individuals focused on understanding and developing solutions to create memorable experiences for our clients' customers. We are people, working for people.
What does this solution include?
Design Sprint
We minimize decision-making risks and accelerate the implementation process. We validate the idea by visualizing the designed product even before its development.
Agile Methodology
We manage projects swiftly and flexibly through client iterations, allowing us to adjust to their needs with frequent and incremental deliveries, minimizing time-to-market.
Virtual Assistant
We maximize product usability and accessibility through the use of virtual assistants that further reduce the learning curve of our solutions.
Our core bank solutions
SData
It is a specialized area in the development of methods and techniques for data analysis and data science, enabling financial institutions that operate with the Bantotal Banking Platform to make smart decisions that allow them to innovate and optimize their platform's performance.
What does this solution include?
Grow the Business
Provides visibility into customer relationships, enabling the development of proposals that generate higher business volume, profitability, and loyalty.
Run the Business
Provides visibility into the platform, allowing real-time monitoring of operations.
Our core bank solutions
SSaaS
We solve the financial processes required by Financial and Non-Financial Institutions under the Software as a Service (SaaS) model.
What does this solution include?
SSaaS For Financial Institutions
Enables the development of the credit granting and management business throughout the entire conversion funnel.
SSaaS For Fintech
Handles accounting, taxes, and calculations for credit granting.
SSaaS For Retail
Allows non-financial institutions to offer and manage credits.