Transform your banking services with ARISH - Islamic Core Banking Solution.
Optimize every aspect of your Islamic financial operations, from account handling to seamless transaction execution, ensuring efficient processes and enhanced customer experiences.
20-30%
Reduction In Operational Costs
40-50%
Faster Account Opening
30%
Improvement In Customer Satisfaction
15-20%
Increase In Cross-Selling And Upselling Opportunities
CORE MODULES OF
ISLAMIC CORE BANKING SOLUTION
Customer Information System
- Customer Onboarding
- Customer Profile Management
- Document Management
- KYC (Know Your Customer) and AML (Anti-Money
Laundering) Compliance - Customer Relationship Management (CRM)
Deposits Module
- Current Accounts (Wadiah)
- Savings Accounts (Mudarabah)
- Term Deposits (Mudarabah)
- Profit Calculation and Distribution
Financing Module
- Murabaha Financing (Cost-Plus Sale)
- Ijara Financing (Leasing)
- Istisna Financing (Project Financing)
- Musharaka Financing (Partnership)
Loans Module
- Qard Hasan (Benevolent Loan)
- Personal Financing
- Project Financing
- Goods Financing
Investment Module
- Mudarabah Investments (Profit Sharing)
- Musharaka Investments (Joint Venture)
- Sukuk Investments (Islamic Bonds)
- Portfolio Management
Trade Finance Module
- Letters of Credit (LC) – Murabaha
- Bank Guarantees
- Documentary Collections
- Export and Import Financing
Treasury Module
- Liquidity Management
- Asset and Liability Management
- Foreign Exchange (FX)
- Sukuk Trading
Risk Management Module
- Credit Risk Management
- Market Risk Management
- Operational Risk Management
- Sharia Compliance Risk Management
Compliance and Reporting Module
- Regulatory Reporting
- Sharia Audit and Compliance Reporting
- Financial Reporting
- Transaction Monitoring
Payment and Transaction Processing
- Fund Transfers
- Bill Payments
- Cheque Management
- Electronic Payments
Islamic Profit Calculation
- Profit Calculation for Mudarabah-based Products
- Profit Rate Determination
- Provisioning and Reserves Management
Distribution System
- Profit Distribution to Customers
- Zakat Calculation and Distribution
- Charity Fund Management