BRIX365 Banking
A unified platform for digital banking that supports the full lifecycle of corporate and retail client operations — delivering a seamless omnichannel experience with built-in analytics.
Onboarding and KYC
Automated data collection from external sources, comprehensive real-time verification, and digital document signing—reducing customer onboarding time by 2–3x.
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Lending
An end-to-end credit workflow—from application intake across all channels and credit bureau integration to scoring and automated loan agreement generation, with SLA-controlled fund disbursement.
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Debt Collection
Multi-stage automation from pre-collection and speech-analytics to legal proceedings, with a unified debtor profile and full performance monitoring.
Learn more →Digital client onboarding
Manage every stage of the onboarding process
Step 1
Application Initiation & Intake
Collect applications and initial questionnaires within a single digital platform across multiple sources:
- Website
- Online banking
- Branch offices
- Contact center
- Agent network
Step 2
Customer Data Enrichment
Build a comprehensive customer profile using data from multiple sources
- Government registers and official sources
- Internal bank systems
- External commercial databases
Step 3
Risk Assessment & Compliance
Conduct a comprehensive risk assessment before onboarding a customer:
- Obtain insights into the customer's risk exposure to suspicious activities through KYC (Know Your Customer) checks
- Identify the true ownership structure of the customer, including ultimate beneficial owners (UBOs) and key stakeholders
- Perform a comprehensive compliance risk analysis in accordance with regulatory requirements
- Screen customers against watchlists and sanctions lists, including terrorist/extremist registers, court records, and tax liabilities
End-to-End Lending Workflow
Manage the lending process at every stage of the loan lifecycle
Step 1
Application Intake
Collect loan applications from multiple sources:
- Website
- Online banking
- Branch offices
- Calls, messengers, and email
- Agent network
Or integrate additional sources using a ready-to-use API.
Built-in Agent Portal
Scale your solution across an agent network. Flexible access control allows you to manage agent permissions. Agents can create applications, complete tasks, track application progress, and work with available products.
Step 2
Customer consultation
Recommend the most suitable product for your customer and generate repayment schedules using a built-in loan calculator.
Step 3
Customer Analysis
Access enriched customer insights and assess reliability using external services and pre-built integration modules. Query credit bureaus, scoring services, and government databases to perform comprehensive checks.
Build a unified customer profile
Consolidate analysis results and all customer data into a single view — details, verifications, documents, loan agreements, and risk profile. Capture the complete history of customer interactions.
Automate every stage of debt collection process
The solution covers all key stages of working with debt. You get ready-to-use interfaces, processes, and dashboards designed for debt collection processes, with the flexibility to customize them to your specific business needs.
Stage 1
Automated portfolio upload and debt distribution
Easily upload entire debtor portfolios into the system. Automatically segment accounts and distribute them among agents, teams, or external agencies based on balance size, timeline, or custom risk parameters.
Stage 2
Pre collection
Set up campaigns to inform your clients about upcoming payments via SMS, email, and messaging apps. By providing advance notice to your debtors, you can reduce the number of overdue payments and increase the likelihood of timely repayment.
Stage 3
Soft collection
Notify customers about overdue payments through their preferred channels (phone, SMS, messaging apps).
Maintain a complete record of all interactions with debtors and ensure communication complies with legal regulations, helping minimize compliance risks.
Analyze the effectiveness of your operators’ conversations using speech analytics — identify compliance issues, benchmark performance, and improve contact effectiveness.
