Products & Solutions

1. Financial Supply Chain Management

FSCM from SGO is to providing total end-to-end financial workflow for business communities, and the benefits are:

  • Integrating document flow and financial flow
  • Community-based business collaboration
  • Unlimited business processes with multiple counterpart approval including bank approval for industries such as Retail, Consumer Goods, Automotive, Airlines, Telecommunications, Construction, Mining & Commodity, etc.
  • Optimizing working capital and liquidity performance through supplier financing & distributor financing
  • Multiple channels based on technology literacy of the communities: web, SMS, mobile and API integration to ERP
  • Risk management & mitigation such as hold balance, freeze accounts, escrow balance, auto grab, etc.
  • Maximizing collectability with precision, trackable & efficient effort
  • Proven connectivity to various core banking, loan system, and loan products
  • Optional: integrated & built-in function for corporate cash management & internet banking system

2. Omni-channel Retail Banking

Omnichannel retail banking in SGO is to develop the response to the popularity of digital banking transactions through mobile, web and other channels.

Digital Banking

Provide solution for Bank to provide digital platform for their customer to enable banking activity as daily activity those secure, easy and convenience. Bank also can optimize cost of opening new branch but at the same time, number of customers increased because digital channel is easy to access, easy to onboard through e-KYC and easy to use. Digital Banking feature such as:

  • Transfers
  • Bill Payments
  • Ecommerce & Payments
  • Investment management
  • Online Account Opening
  • One Touch wealth dashboard
  • Transaction monitoring & notification
  • Multiple Platform such as Android, iOS, and Web based
  • Secured with end-to-end encryption & 2 factors authentication
  • Integration to e-KYC such as Dukcapil, Dow Jones premium watchlist

Cash Management System (Internet Banking for Corporate)

Extending corporate banking services to a web-based electronic channel. Allowing bank to operate cost-effectively, improving corporate customer banking access, monitoring liquidity, managing collection, managing distribution and gaining real-time financial control. Improving corporate fund collection and distribution. Reducing human error by auto-reconciliation and notification.

  • Payroll
  • Financial Dashboard
  • Account Management
  • Online file delivery channel
  • Virtual Account Management
  • Online Payment Instruction
  • Invoice Management and Collectoin
  • Online customer support & ticketing
  • Account statements & debit/credit notification
  • Push Notification & Mobile Approval/Releaser
  • Multiplatform authentication (mobile token, sms & hard token)
  • Fund transfer schedule management for future execution, recurring
  • Ready-to-use bill payment, voucher purchase, tax payment MPN G2.
  • Online account opening for additional savings, deposits, loan drawdown.
  • Investment management such as opening time deposits, mutual funds, etc.
  • Notification in format such as email, SMS, Application Programming Interface (API).
  • Open API & Secure Folder: secure Application Programming Interface for ERP integration.
  • E-commerce & payment gateway services, virtual account, bill presentation, and reconciliation.
  • Banking services, trade, & inquiries such as checkbook, loan, LC/BG opening with balance locking, etc.
  • Corporate credit card management such as managing limit, purchase monitoring, card blocking and release, etc.
  • Bulk & multi transfer for many currencies, or from many sources, account sweeping & remaining balance control.
  • Fund transfers between accounts, domestic banks using EFT/RENTAS/IBG/SKN/RTGS/ATM. Switching, remittance, local remittance, cross currency/forex with counter rate or dealing rate, virtual accounts, loan accounts.

Internet Banking for Retail

Lite version of “Cash Management System” that provides banking access to individual for financial management.

  • Account statement
  • Schedule transfers
  • Automatic digital KYC
  • Digital account opening
  • Transaction notifications
  • Online customer support
  • Open API for account inquiries
  • Pay bills, utilities, vouchers, credit cards
  • Other account reporting such as credit cards.
  • Internet banking access via mobile application (Mobile Banking)
  • Transfer between accounts, domestic & overseas bank with same or cross currency

SMS Banking & SMS Transaction Alert

Start your customer’s e-banking experience with SMS Banking. SMS Banking provides easy-to-use & secure banking access using credentials such as a phone numbers, SMS commands, and Pin challenges.

  • Bill Payment

  • Account statement, balance inquiry

  • Account transfer, interbank transfer

  • Low SMS cost masked to bank identity

  • SMS can be billed to subscriber’s airtime
  • Available in SMS, USSD, and mobile apps SMS Alerts can be implemented without activating SMS Banking. SMS Alerts will proactively send notifications to customers based on amount threshold set by bank, when credit/debit events occur.

Virtual Account & Online Collection System

Improving business & corporate collection process.

  • Corporate white label invoice system.

  • Reversal & error correction management

  • Module can be integrated to cash management system

  • Fee Management for fee-based revenue and fee sharing model

  • Managing Bank Identification Number (BIN) & beneficiary accounts

  • Generating dynamic or static VA for recurring payments or one-time payments

  • Payment process can be integrated to payment gateway for e-commerce payment

  • Application Programming Interface (API) for billing information and real-time payment reports to customer’s ERP.
  • Suitable for several industries: education & services, financial services, airline & travel, e-commerce & retail, memberships, etc.
  • Fund acceptance restriction, for example accepting funds for only certain amounts, less than or greater than specified amount. (Open/close billing).
  • Customer portal for invoice management, upload/download, partial or full payment, account receivables & credit notes, reconciliation, payment reports.
  • Integration to core banking, connecting to “on us” banking channels such as tellers and other e-channels, “off us” banking channels via interbank switching such as ATM Bersama, Prima, Alto, MEPS.

3. Branchless Banking System

Bank touchpoints need to reach rural areas and cash-restricted societies. Branchless Banking System (BBS), also known as “LakuPandai”, extends banking services through agents. Features include:

  • Agent locator
  • Agent onboarding
  • Agent fee management
  • Agent escrow account & risk management
  • Transactions (balance inquiry, statement, account transfer, interbank transfer, Peer 2 Peer cash transfer/remittance, bill payment)

 

4. Anti Money Laundering Solution

Anti-Money Laundering Solution in SGO business is to support government policy on the regulation number (POJK) No. 12/POJK.01/2017. SGO along with CORAL iSEMTM (a state-of-the-art Anti-Money Laundering (AML) and Anti-Terrorism Financing (ATF) Solution) enables financial institutions (FI) to comply with AML/ATF regulatory requirements. COREL iSEMTM is a highly configurable and intelligent AML/ATF solution with in-built detection mechanism to trace and filter out fraudulent transactions with greater efficiency and clinical accuracy. It is a powerful, multifaceted web-based application which provides Financial Institutions with end-to-end functionality for AML/ATF monitoring.

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