Empower your digital banking ecosystem with ASPER – the next-generation Digital Banking Solution from OPUS Technology Limited.
ASPER transforms digital banking through innovation, intelligence, and robust security—enabling financial institutions to deliver faster, smarter, and more personalized services. Designed for modern banking demands, it enhances operational efficiency, elevates customer experience, and ensures seamless service delivery. From digital onboarding and real-time transactions to advanced analytics and automated workflows, ASPER streamlines operations, reduces costs, and ensures secure access across mobile, web, and branch channels. Its strong system architecture and compliance-ready framework safeguard data and support international banking standards.
Flexible and highly scalable, ASPER adapts to diverse financial environments—including commercial banks, microfinance institutions, and fintech ecosystems.
Experience the future of digital banking with ASPER—powered by OPUS Technology Limited.
20%
Reduction In Operational Costs
30%
Increase In Customer Acquisition
40%
Improvement In Customer Satisfaction
15%
Growth In Loan Applications
CORE MODULES OF
ASPER CORE MODULES OF DIGITAL BANKING SOLUTION
ASPER encompasses a robust set of core modules designed to meet the complete spectrum of digital banking needs. It features User Authentication & Security with MFA, biometrics, SSO and fraud prevention; Accounts Management covering account opening, inquiries, statements and international payments; Payments & Transfers supporting P2P, ACH, wire, online and mobile wallets; Loan Management, Investment Services, Customer Support & Services, Personal Financial Management, and a full stack of Fraud Detection & Prevention, Regulatory Compliance, API Banking & Integration, Mobile Banking, and Digital Wallets & Payments modules. Each module works seamlessly to empower financial institutions to operate with agility, efficiency and compliance.
User Authentication and Security
- Multi-factor authentication (MFA)
- Biometric authentication
- Single sign-on (SSO)
- User access control Data encryption
- Fraud detection and prevention
Accounts Management
- Account opening and closing
- Account inquiries and updates
- Transaction history
- Online statements
- Mobile banking enrollment Bill pay
- Bill pay
- Direct deposit
- ACH transfers
- Wire transfers
- International payments
Payments and Transfers
- P2P payments
- Bill pay
- Direct deposit
- ACH transfers
- Wire transfers
- International payments
- Mobile wallet payments
- In-store payments
- Online payments
Loan Management
- Loan application and origination
- Loan servicing
- Loan payments
- Loan modifications
- Foreclosure management
Investment Services
- Account opening and funding
- Account statements and transactions
- Stock trading
- Mutual fund investing
- Options trading
- Retirement planning
Customer Support and Services
- Live chat
- Email support
- Phone support
- FAQs
- Knowledge base
- Chatbots
- Social media support
Personal Financial Management
- Budgeting and tracking
- Goal setting
- Net worth tracking
- Investment tracking
- Bill pay
- Debt management
Fraud Detection and Prevention
- Transaction monitoring
- Risk scoring
- Fraudulent activity alerts
- Identity theft protection
- Account takeover protection
Regulatory Compliance
- Know Your Customer (KYC)
- Anti-Money Laundering (AML)
- Bank Secrecy Act (BSA)
- Gramm-Leach-Bliley Act (GLBA)
- Fair and Accurate Credit
- Transactions Act (FACTA)
API Banking and Integration
- Open APIs
- Third-party integrations
- Data sharing
- Payment processing
- Financial data aggregation
Mobile Banking
- Account balances
- Transactions
- Bill pay
- Mobile wallet payments
- P2P payments
- Money transfers
- Check deposits
- Branch locator
- ATM locator
Digital Wallets and Payments
- Mobile wallets
- Contactless payments
- QR code payments
- In-store payments
- Online payments
- Peer-to-peer payments