Solutions

Solutions for banking operations and digital channels

The C-Technology portfolio covers core banking, digital service channels, customer platforms, remote onboarding, communications, and payment infrastructure

Banking platform

Core Banking System

A unified CBS platform for products, accounts, and accounting logic with real-time operations, configurable processes, and predictable performance of critical services as load grows

350+
Online operation scenarios
Ready-made flows for products and channels
600+
Reporting and service forms
Regulatory and analytical reporting
99,9%
Contour availability
Target level for critical online operations

Architecture

Channels, external contours, the transaction core, and the data layer operate in one logical flow

Functional scope

Core banking processes in a single platform

Operations and accounting in one contour

Multi-currency postings and synchronized balances let clients see an up-to-date account picture immediately after an operation

Business logic configured for the bank

Chart of accounts, analytics, and scenarios are adjusted through parameters without downtime or core changes for each case

Adaptation to regulatory requirements

Parameters reflect supervisory requirements, the product model, and internal standards without a separate development branch

End-to-end transparency of operations

Unified statuses, logs, and change history across operations, accounts, and settings help the bank control processes faster and simplify internal audit

Expansion and operation without putting extra pressure on the team

Multilingual operations

The interface and reports are available in multiple languages for local teams and clients

Controlled access

Roles, permissions, and activity audit support control over critical operations

Data protection

Encryption and isolation of sensitive data at the platform level

Scalability

Oracle infrastructure with scaling, redundancy, and stable performance

Background processes

Background and service processes run without interrupting client operations

DIGITAL CHANNELS

Mobile and internet banking

A unified platform for digital banking across mobile and web channels: daily operations, payments, and self-service in one product environment

KEY CAPABILITIES

Accounts and operations

Balances, statements, and transaction history in a unified client interface

Cards and card services

Management of cards, limits, notifications, and the full lifecycle of card products

Loans and financing

Retail lending scenarios, repayment control, and access to service operations

Payments and transfers

Daily transfers, templates, recurring payments, and operation control

QR payments

QR-based payments and fast service scenarios in digital channels

Customer self-service

Digital applications, profile settings, and service operations without visiting a branch

TECHNOLOGY FOUNDATION

Omnichannel service model

Unified customer scenarios in mobile and web channels
Shared product logic for a consistent digital experience

Integration layer

Managed interaction with the bank's core systems
Connection of card, payment, and external services in one contour

Scalable architecture

Platform approach for growth, resilience, and solution evolution
Stable performance as load and transaction volumes increase

Security and observability

Access control, process transparency, and operational manageability
Built-in monitoring, notifications, and protection mechanisms

Digital banking interfaces for desktop and mobile devices

CUSTOMER SERVICES

Internet portal

A web platform for working with customers, reporting, online services, and integration with key banking systems in a unified digital environment

Key capabilities

CRM and customer data management

Online reporting and government reports

Customer service management

Online applications and service scenarios

Additional customer services

Technology foundation

Oracle & Java platform

Full integration with CBS

Microservice architecture

DevOps and CI/CD

Encryption and protected traffic

Digital onboarding

Remote customer acquisition

The platform enables fully remote customer onboarding from identification and document verification to application submission, compliance checks, and opening banking products without visiting a branch

Document verification

Face matching

Video identification

Remote application

Document verification

OCR, NFC, and automated verification of customer data

Biometric verification

Face recognition and liveness checks to strengthen security

Video identification

Intelligent video capture and recording of the verification process

Remote application submission

Issuance of loans, cards, or accounts fully online

Remote customer onboarding interface on a mobile device

Integration with government services, AML, and anti-fraud

Automation of customer onboarding and remote account opening

BPM and flexibly configurable business processes

Communications

Notification service

A platform for managed SMS, email, and push communications across financial operations, events, and customer journeys

Push notifications

Financial operations

Campaigns

Notification service

Email notifications

News

Client alerts

Communication scope

Push, email, and SMS in a single notification service

Operational, marketing, and service messages in one contour

Flexible configuration of templates and event-based delivery rules

Connection of customer, product, and news scenarios

PAYMENT INFRASTRUCTURE

Payment card tokenization system

A card data tokenization platform that reduces sensitive data storage risks, simplifies digital-channel integration, and strengthens payment infrastructure security

KEY CAPABILITIES

Payment card data tokenization

API for integration with external systems

Notifications and suspicious activity control

Reporting and transaction monitoring

Support for 3D Secure scenarios

TECHNOLOGY FOUNDATION

Microservice architecture

Oracle & Java platform

Scalable infrastructure

DevOps and CI/CD processes

Encryption and protected traffic

Illustration of the payment card tokenization system

Clients and partners

Proven delivery for banking and enterprise clients

C-Technology works with banks, financial institutions, and enterprise customers across core banking, digital channels, card systems, architecture, analytics, and infrastructure solutions

Banking and enterprise projects