Fundamentals

Modern banking has transcended the physical boundaries of branches and the convenience of mobile devices. Today, financial services are embedded directly within business processes, integrating wherever the need arises, and forming part of a collaborative ecosystem in which multiple stakeholders interact.

In this new landscape, a banking platform is required that is:

Modular, based on packaged business capabilities (PBCs), enabling it to evolve and scale in stages.

Intelligent, enhancing productivity and customer engagement through generative AI.

Borderless, boosting sales through business processes that take the institution to where the transaction takes place.

BANTOTAL CORE

Seven elements

There are seven basic elements required to meet the needs of the different business models that exist today.

Building Blocks

A set of banking solutions required by all Financial Institutions.

Heavy Duty

Scalability and availability 24 hours a day, 365 days a year, without interruption.

Security & Stds. Alignment

Confidentiality and compliance with international standards.

Embedded AI

Artificial Intelligence technologies in all its layers and life cycle processes.

Integrable

Integration through APIs and standards. Cloud, server and database agnostic.

Observability

Monitoring and understanding of platform behavior for decision making.

Innovation Community

Integrates solutions within an innovation community that develops around the platform, complementing it and expanding its capabilities.

Explore our solutions

Bantotal Core

Bantotal Core is the centerpiece of our platform and solves all mission critical banking processes for Banks, Finance Companies, Fintech, Digital Banks, e-Commerce, Banking as a Service providers, etc.

Microfinance

Bantotal Microfinance is the benchmark solution for microfinance companies, supporting the operation of the most important institutions in Latin America. This has enabled the incorporation of industry best practices and processes.

Comex

Bantotal Comex is the solution that allows financial institutions to develop the business of Letters of Credit, Guarantees, Collections, Drafts and International Checks.

Treasury

Bantotal Treasury allows the Financial Institution to offer its customers a global vision of its portfolio through a scalable system in terms of product variety and business volume.

Mutual Funds

Bantotal Mutual Funds is a solution that allows the Financial Institution to offer their customers access to a diverse portfolio, starting from a reduced volume of money, seeking to give liquidity, security and rentability to said savings.

Compliance

It is the solution that ensures Financial Institutions are in compliance with the regulations of the country it operates in, as well as the Foreign Account Tax Compliance Act (FATCA) and the International Financial Reporting Standards (IFRS).

Cash Management

Bantotal Cash Management allows financial institutions to offer their customers payment, collection and transfer services, outsourcing their treasury and saving time and money.

Banking as a Service

Bantotal Banking as a Service (BaaS) is the service that allows banks to offer their infrastructure and services so that Fintechs can provide banking products without the need for a banking license.

Embedded Finance

Bantotal Embedded Finance is the solution that allows financial institutions to integrate banking products into people's daily lives through collaborative agreements with non-financial organizations.

BPay

BPay is a payment solution certified in multiple markets, which allows instant interbank transfers through different channels, considering the current norms and standards.

BPeople

BPeople focuses on developing digital banking solutions that have a memorable impact on the customer experiences of financial institutions, offering innovation, market knowledge and implementation methodologies.

BData

BData specializes in the development of data science and analysis methods and techniques, so that financial institutions can have observability, make intelligent decisions and optimize their business performance.

BSaaS

BSaaS develops a set of specialized services to solve the financial processes required by financial and non-financial institutions under the Software as a Service modality.

BStore

BStore provides Financial Institutions with relevant innovation that integrates and complements the platform so they can improve and grow in today's business context.

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