Empower your digital banking experience with "ASPER" Digital Banking Solution by OPUS.

ASPER revolutionizes digital banking with innovation, intelligence, and security, empowering financial institutions to deliver faster, smarter, and more personalized services. Built for modern banking needs, it enhances efficiency, customer satisfaction, and operational excellence. From digital onboarding to real-time transactions and data-driven insights, ASPER streamlines operations, reduces costs, and ensures secure access across mobile, web, and branch channels. Its strong architecture and compliance-ready framework protect data and support global standards. Flexible and scalable, ASPER fits diverse financial models — from commercial banks to microfinance and fintech institutions. Experience the future of digital banking with ASPER, powered by OPUS Technology Limited.

20%

20%

Reduction In Operational Costs

30%

30%

Increase In Customer Acquisition

40%

40%

Improvement In Customer Satisfaction

15%

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

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

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

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 Management

  • Loan application and origination
  • Loan servicing
  • Loan payments
  • Loan modifications
  • Foreclosure management

Investment Services

Investment Services

  • Account opening and funding
  • Account statements and transactions
  • Stock trading
  • Mutual fund investing
  • Options trading
  • Retirement planning

Customer Support and Services

Customer Support and Services

  • Live chat
  • Email support
  • Phone support
  • FAQs
  • Knowledge base
  • Chatbots
  • Social media support

Personal Financial Management

Personal Financial Management

  • Budgeting and tracking
  • Goal setting
  • Net worth tracking
  • Investment tracking
  • Bill pay
  • Debt management

Fraud Detection and Prevention

Fraud Detection and Prevention

  • Transaction monitoring
  • Risk scoring
  • Fraudulent activity alerts
  • Identity theft protection
  • Account takeover protection

Regulatory Compliance

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

API Banking and Integration

  • Open APIs
  • Third-party integrations
  • Data sharing
  • Payment processing
  • Financial data aggregation

Mobile Banking

Mobile Banking

  • Account balances
  • Transactions
  • Bill pay
  • Mobile wallet payments
  • P2P payments
  • Money transfers
  • Check deposits
  • Branch locator
  • ATM locator

Digital Wallets and Payments

Digital Wallets and Payments

  • Mobile wallets
  • Contactless payments
  • QR code payments
  • In-store payments
  • Online payments
  • Peer-to-peer payments