INM / Products
PRODUCTS
A simple, complete suite. Products for payments, identity, channels and integrations, adopted one at a time or together. They integrate with your core banking system and, for payments, with the networks in your market.
Payment processing engine
FlowCore handles domestic and international payment orders, with validations and approval flows the bank configures. It integrates with the core banking system and the payment networks.
Card management and issuing
The complete card lifecycle - debit, credit and prepaid - with the domestic card network reached by adapter.
Payment acceptance on mobile devices
Any smartphone becomes a payment terminal - no dedicated hardware.
e-money digital wallet
E-money accounts with their own double-entry ledger: balances, transactions and settlement.
Digital customer onboarding
Remote account opening - document capture, identity verification and liveness detection.
Identity verification - external OIDC authentication
Standalone identity verification API - biometrics and document validation in a single call.
Continuous identity protection
Anti-spoofing biometrics, duplicate-identity detection and perpetual KYC triggers.
Gateway to domestic payment networks
Certified connection to national switches and card networks - EMIS, SIBS/Multibanco and others - with per-market local compliance.
SMS Gateway
High availability for alerts, OTPs and confirmations - the bank's voice.
USSD Gateway
Banking over USSD, available on basic phones.
ARCHITECTURE
Hub, ID, Core and Gateway can be combined to connect customer channels, identity verification and payment processing into journeys that span several products and feel like one to the customer.
Journeys running simultaneously
Illustrative functional representation
Channels, identity, operations and external connectivity working together.
INNOVA - PROPRIETARY DESIGN SYSTEM, DEEP BRAND CUSTOMISATION
Core, ID, Hub and Gateway all run on Innova, our own proprietary multi-brand design system - shaped over 17+ years solving real experience needs for bank employees and customers. Every new product launches consistent with the last; what shows on screen is the bank's brand, not ours.
The same components, patterns and interactions across teller, agent, customer and admin screens - anyone who has used one product feels at home in the next.
Shaped by years of work with bank staff, agents and end customers.
Configuration adapts every interface to the bank's own identity, while components and interaction patterns stay consistent from product to product.
SOLUTIONS BY NEED
Each need spans products from several families - and, where it makes sense, the Finastra core. The bank picks the combination; integration is on us.
Finastra Essence implemented by INM, with FlowCore and TellerHub around it - no big bang.
Talk about this solution →One switch, domestic and international rails, cards and mobile acceptance.
FlowCore · PaymentGateway · CardCore
Talk about this solution →KYC-compliant remote account opening, reusable identity and a protected app.
OnboardID · VerifyID · ProtectID
Talk about this solution →Agents, USSD and e-money to serve customers without a branch or a smartphone.
AgencyHub · USSDGateway · WalletCore
Talk about this solution →Mobile, internet banking and branch on an API layer over the current core.
DigitalHub · TellerHub · SMSGateway
Talk about this solution →In a technical session we walk you through the product and look at how it could integrate with your bank's systems.