All-inclusive Digital

Core Banking
Solution
Macrobank integrates banking and payment
functionality for Fintechs and Digital banks — all from
one single platform
Why to launch, manage and grow

your Digital bank with Macrobank

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Tailored to your needs Cloud-based solution Right-sized for small and medium
fintechs
Configure front-end applications, make new Benefit from cost-savings on infrastructure,
integrations, build your own business on-demand agility and data resiliency. Сhoose
We take the costs and complexity

processes. SaaS or on-premise software.
of projects.

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Out-of-the-box solution Best-in-class reliability

Complete back-to-front software with Solution built using the latest technologies and
ready-to-use integrations. accepted by the EU regulators

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The most demanded functionalities

for your fintech company

Financial Accounting AML/KYC Customer accounts Card issuing Agent console

Strong Customer Mobile&web banking Payments & Currency Customer onboarding Tariffs and fees engine
Authentication apps Exchange

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1 of 2

Functionality

Customer Onboarding
Payment processing AML/KYC Customer accounts

Processing of customer A powerful payment engine and Customer remote identification Generation of IBANs, opening

applications, creation of profiles, an automated currency (photo and video), verification
 multi-currency current accounts.

access granting, and conversion with inbuilt APIs and of ID documents, transaction

management of document flows. gateways to process different screening & monitoring, customer

There is a 2-step onboarding payment types for your customers risk scoring.

process available when the (SEPA, SWIFT, CHAPS/FPS and

customer sets up an account other local payments).

before the full AML/KYC

verification.

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2 of 2

Functionality

Tariffs and fees engine Financial accounting Payment card issuing Agent Console
Allows you to set up different Financial instruments to manage Issuing of fully branded cards - Allows to create an agent network
tariffs to your customers - operations within your company – physical or virtual and advanced and onboard their customers
standard, customer-group, General Ledger and Chart of online administration in directly in Macrobank’s back
client-specific tariffs and agent Accounts, management of your back-office. office.
bonuses. bank’s nostro and vostro
accounts, reporting.

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Ready-made

and omni-channel

for end-users

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White-label

web banking app

A genuinely customer-centric web banking application
provides all essential banking functionalities – current
accounts, payments, currency exchange, statements,
payment templates and others.

Smooth built-in onboarding Functional design and

procedure to provide immediate user-friendly interface

access to your business/personal

account after registration and 100% manageable, customizable
continue the verification and branded

procedure at the later stage Possibility to integrate with any

Core Banking back-office system

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White-label

mobile banking app

The new version of Macrobank`s Digital Core banking
engine and back-office offers new integrations and
functionalities

User-friendly modern interface Support for biometric

supporting both light/dark themes
 technologies

and different languages

Built-in communication tool with

Account and payment operations: your customers, e.g., chat with the
make payments, view payment operator

history, create payment

templates, display and download Push-notifications

statements, etc.
Dynamic management of the
Payment card management application by the operator with
no need for a new app release

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Mac token app

for signing payments

and authentication Set key for

Login OTP

Seamless two-factor Generation of one-time

authentication to comply with passwords and codes for users

Strong Customer Authentication to log in to Web Banking,

(SCA) under PSD2 directive
to access banking services online
and sign payments.
Operates in an offline mode and
is a hardware-independent
YourBank key for

John Doe

is successfully set

Next

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Technology stack
Our solution is built using the latest Core Banking White-label Mobile app
technologies Database: SQL Server
Swift (iOS), Kotlin (Android)

Integrations: C#, Go

Microservice architecture
White-label Web banking
Azure cloud hosting
app
Angular framework

RestFul API Single Page Application

technology
.NET Сore (using C#)

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Back-office
This application includes all the functionalities
necessary to support your business, e.g., settlements,
clearances, Customer Relationship Management,
regulatory compliance, accounting and other.

Registration and management
 Accounting of financial

of customers and applications, transactions and general ledger,
including the Agent console
a reconciliation tool

Creation of customer groups, Flexible set up to create your own

tariffs and rule settings, workflows, tables and forms and
management of customer access manage processes effectively

rights

Creation of technical, business

Generation of IBANs
and accounting reports and
statements
Control over processes and
payments

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Business process workflow

The business workflow module enables you to manage

and customise business processes according to your

specific needs.

Display your processes and workflow in a Business process workflow

application with visual editor — no code or programmer knowledge

required.

Customise your business processes to meet your needs

Build and configure new Change the sequence of steps


scenarios
in your business process

Develop your own custom flow

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Analytics and reports
Our reporting and analytic tools allow back-office
managers to create different reports and present vital
data in various visual formats. All data can be easily
accessed, reviewed, printed and managed upon
request.

Financial reports, statements for Additional analytics tools

accounts, business reports, etc.
available for implementation

to create specific reports
Separate set of technical reports

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 Onboarding, KYC & AML

Integrations

and gateways
We have established an extensive network of
global partners to connect our clients to an Banks
all-inclusive Core Banking solution.

Our partner portfolio include

Banks
Card issuing

Сurrency exchange
Сard acquiring

Payment, card issuing and banking services

KYC/AML SMS etc.

If you have another payment service provider

or a bank in your mind – we can make
additional integrations along the way.

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Security
Security is the core of our software development. We
use the most advanced security mechanisms for
software development and testing. We have passed
required certifications, and our software complies with
international regulatory and security standards.

Compliance with PSD2 directive Encrypted communication

and a new European regulatory between all solution components

requirement - Strong Customer

Authentication (SCA)
User (Audit) Logs for Security and
Compliance

Ready Open API to offer a secure

and reliable way to access open Our solution has passed external
customer data and interact with security penetration tests
Third-Party Providers (TTP).

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Solution
Black lists SWIFT
ForEx

providers

infrastructure AML/KYC

providers
Rates
Payment gates

&systems

SMS
Banks
Money transfer

providers &PSP system

Card

providers
iOS and Android

Mobile Apps Service API Gates to external systems

CFS API SQL database

Sharp API Core banking

Payment card

AML/KYC Accounting
issuing
WebBank App
Customer
Payment

onboarding processing

Customer
Agent console
accounts

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Advapay

Who we are

Offices
Advapay is a technology company providing the Digital Core Banking
Tallinn, Estonia
platform to empower fintech clients and digital banks to start their
Madrid, Spain businesses and accelerate digital transformation.

Belgrade, Serbia
Besides the technical infrastructure, the company provides business
Warsaw, Poland advisory and fintech licensing services.

Toronto, Canada

Staff
50+

Launched
2015

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Get in touch
7B, Narva maantee, Tallinn, Estonia, 10117

[email protected] +372 635-51-08